I’m sure you’ve seen the catchy advertisements from auto insurance companies like State Farm and The General that say if you switch you’ll get enormous savings, so you just need to choose one randomly, right?
That is not the case, however, as there are a whole slew of unknown aspects like when you were born, your annual mileage driven, and where you live in Mesa. This article covers the best ways to save money and also should give you a solid foundation to find cheaper car insurance.
Deciphering which company has the best insurance rates for hybrid vehicles takes a bit more effort than just quoting one company’s rates. Every auto insurer has their own guidelines to set premium rates, so let’s rank the insurance companies with the overall cheapest rates in Arizona.
Best Auto Insurance Prices for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,166 |
| 8 | Allied | $1,209 |
| 9 | CSAA | $1,213 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
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The Hartford generally has some of the lowest car insurance rates in Mesa at around $845 each year. Safeco, Auto-Owners, USAA, and Travelers are also some of the lowest-priced Mesa, AZ auto insurance companies.
In the rate table above, if you have coverage with Safeco and switched to The Hartford, you could earn annual savings of approximately $60. Drivers with Auto-Owners may save as much as $79 a year, and USAA policyholders might reduce rates by $235 a year.
Understand that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in a specific location for hybrid vehicles. So the auto insurance company that fits your situation best may not even be in the top 28 companies in the list above. That emphasizes why you need to get car insurance quotes using your own individual information.
The vehicle model you are seeking coverage for is probably the most important factor that determines whether or not you can buy the cheapest auto insurance for hybrid vehicles. Vehicles with lower performance, a great safety record, or low incidents of liability claims will cost less to insure than adrenaline junky models.
The table below ranks auto insurance premiums for some of the most cost-effective vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,371 |
| Ford Escape XLS 4WD | $1,543 |
| Honda Accord EX 4-Dr Sedan | $1,550 |
| Toyota RAV4 Sport 2WD | $1,622 |
| Ford Explorer Limited 2WD | $1,654 |
| Ford F-150 Lariat Crew Cab 2WD | $1,663 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,672 |
| Ford Focus SEL 4-Dr Sedan | $1,680 |
| Toyota Prius | $1,712 |
| Nissan Rogue S 2WD | $1,735 |
| Chevrolet Silverado 2500HD LT Crew Cab 4WD | $1,741 |
| Ford Edge SEL AWD | $1,743 |
| Dodge Ram Quad Cab TRX4 Off Road 2WD | $1,767 |
| Get a Custom Quote Go | |
Prices above 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, safe-driver, homeowner, and multi-vehicle. Estimates do not factor in Mesa, AZ location which can modify price quotes noticeably.
Based upon these rates, models like the Honda CR-V, Ford Escape, Honda Accord, Toyota RAV4, and Ford Explorer are a few of the more affordable vehicles to insure for hybrids.
Difference between liability only and full coverage rates
Paying a lower price for insurance is the goal of the majority of people, and one common way to lower the cost of insurance for hybrid vehicles is to not buy comprehensive and collision coverage. The information below illustrates the difference between car insurance costs with and without full coverage. The premiums assume a clean driving record, no claims, $500 deductibles, marital status is single, and no additional discounts are factored in.
As an average, physical damage insurance costs $1,551 per year over and above liability only. At some point, almost every driver questions if buying full coverage is worth the expense. There is no exact rule of when to eliminate physical damage coverage on your policy, but there is a general convention. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
There are some cases where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you have to keep full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.
Finding a high-quality auto insurance company can be rather challenging considering how many choices you have in Mesa. The company ratings shown next may help you decide which car insurance providers to look at when shopping around.
The ratings below are for major nationwide insurance companies, so companies that have a smaller presence are not included in this list. To get price quotes from these top-rated insurers and more, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find more affordable car insurance for hybrid vehicles
It’s not impossible to find cheaper rates, and here are a few thrifty ideas that can help drivers quote cheaper coverage.
- Being accident-free can lower rates significantly
- Avoid filing excessive claims
- Buy vehicles with five-star safety ratings
- Do not get traffic tickets
- Clean up your credit rating
- Shop around once a year for cheaper rates
That final tip is incredibly crucial, as was discussed in this piece. Prices charged by companies can be changed at any time, so don’t hesitate to buy a different policy if a more affordable rate is found.
Staying with the same company for years is fine, but it’s not recommended if that stubbornness costs you a small fortune. Take a few minutes and compare rates and find cheaper auto insurance for hybrid vehicles in Mesa.
If you would rather have some professional guidance when buying car insurance for hybrids, the insurance agencies listed below are willing to help you decide which auto insurance policy would work best for you. To locate a Mesa insurance agent nearest to you, click the button following the list or click here to get price quotes now.
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020
Oasis Insurance
30 N Gilbert Rd – Mesa, AZ 85203 – (480) 649-8001
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318
American Family Insurance – Mike Stapley
4850 E Baseline Rd Ste 101 – Mesa, AZ 85206 – (480) 503-4400