It’s hard to avoid all the captivating commercials from companies like The General and Nationwide promising huge savings, so you just need to pick one at random, right?
That is not the case, however, as there are a whole slew of unknown aspects like your driving record, whether you are single or married, if you want full coverage included, and if you are a man or woman, that all have an effect on the price. This article delves into some of these factors and will hopefully give you a solid foundation to find cheaper car insurance.
Figuring out which insurers offer the cheapest car insurance rates for infrequent drivers takes a tad more effort in order to find the most economical policy. Each auto insurer has their own process for determining prices, so we’ll go over the most affordable car insurance companies in Mesa.
Find Cheaper Auto Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,323 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,506 |
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The Hartford has some of the best car insurance rates in Mesa at around $811 a year. This is $617 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the more affordable Mesa, AZ insurance companies.
In the above example, if you have coverage with USAA and switched to Auto-Owners, you could earn a yearly price reduction of roughly $194. Insureds with Travelers might save as much as $222 a year, and Progressive insureds might realize rate reductions of up to $233 a year.
To find the cheapest rates for your vehicle, click here to start a quote or click several companies below for low rates.
Be aware that those premiums are averages across all types of insureds and vehicles and and are not figured with a vehicle location for infrequent drivers. So the insurer that is most affordable for your situation may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get quotes using your own driver information and specific vehicle type.
The vehicle model you are trying to insure is one of the biggest factors when comparing low-priced coverage for infrequent drivers. Vehicles with lower performance, good crash test ratings, or a positive history of liability claims will cost significantly less to insure than high performance models.
The next list estimates coverage rates for a selection of the cheapest automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,488 |
| Hyundai Elantra SE Touring Station Wagon | $1,581 |
| Ford Escape XLT 4WD | $1,690 |
| Ford Focus SE 4-Dr Sedan | $1,692 |
| Chevrolet Impala LT | $1,725 |
| GMC Sierra SLE Crew Cab 2WD | $1,731 |
| Chevrolet Equinox LT AWD | $1,725 |
| Toyota Camry LE | $1,731 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,774 |
| Toyota Prius | $1,783 |
| Honda Civic LX-S 4-Dr Sedan | $1,785 |
| Ford Edge SE 2WD | $1,812 |
| Honda Odyssey LX | $1,819 |
| Dodge Ram Crew Cab TRX 2WD | $1,880 |
| Ford F-350 Super Cab Cabela Package 2WD | $1,883 |
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Prices do not factor in vehicle location which can change coverage rates substantially.
By looking at the data, makes and models like the Honda CR-V, Hyundai Elantra, Ford Escape, Ford Focus, and Chevrolet Impala are the most economical vehicles to insure for low mileage drivers.
For low mileage drivers, one of the big things that are used to help calculate the price you pay for insurance is where you keep your vehicle. Regions with larger populations or more claims will most likely pay more, whereas areas with less congestion can boast about having cheaper rates.
The information below shows the most expensive areas in Arizona for infrequent drivers in which to purchase auto insurance. Mesa ranks #4 with the yearly price of $1,159 for coverage, which is approximately $97 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,178 |
| 4 | Mesa | $1,159 |
| 5 | Buckeye | $1,156 |
| 6 | Gilbert | $1,154 |
| 7 | Scottsdale | $1,151 |
| 8 | San Tan Valley | $1,150 |
| 9 | Tempe | $1,140 |
| 10 | Maricopa | $1,118 |
| 11 | Chandler | $1,115 |
| 12 | Peoria | $1,104 |
| 13 | Surprise | $1,090 |
| 14 | Goodyear | $1,087 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Tucson | $1,072 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $931 |
| 23 | Bullhead City | $878 |
| 24 | Lake Havasu City | $878 |
| 25 | Sierra Vista | $863 |
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Premium amounts are approximated as the specific garaging location can increase or decrease price quotes noticeably.
Illustration showing the impact of accidents and violations
The ideal way to maintain low car insurance prices in Arizona for low mileage drivers is to be an attentive driver and avoid traffic citations and accidents. The example below shows how speeding tickets and at-fault accidents can influence car insurance rates for different age groups of insureds. The rate quotes are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
The data in the chart shows the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,209. Get written up for one speeding ticket and the average cost hikes up to $1,388, an increase of $179 each year. Now include two accidents along with the one speeding ticket and the 12-month cost of car insurance for infrequent drivers increases to an average of $3,005. That’s an increase of $1,796, or $150 per month, just for not being a responsible driver!
The diagram below highlights how deductible selection can increase or decrease insurance costs when researching cheap insurance for infrequent drivers. The premium estimates are based on a single female driver, comp and collision included, and no discounts are applied.
In the chart above, a 40-year-old driver could lower their car insurance rates by $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could potentially save as much as $602 or even more by choosing a higher deductible. When increasing deductibles, it will now be necessary to have additional savings on hand to allow you to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to find economical auto insurance for infrequent drivers
The list below shows some of the recommended penny-pinching ideas that can help you buy cheaper coverage.
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Buy vehicles with good safety ratings
- Frequent claims will increase rates
- Home or renters coverage can save on auto insurance
- Maintain a safe distance and avoid accidents
- Comparison shop at least every other year
The last suggestion is incredibly necessary, as we hit on in this article. Rates change constantly, so don’t hesitate to buy from a different company if a better deal can be had.
Many consumers stick with the same company and that’s fine, but it’s not recommended if that loyalty results in overpaying a wad of cash every year. If you have a few minutes, compare prices to find cheaper auto insurance for infrequent drivers in Mesa.