Car Insurance for Good Drivers in Arizona

The Zebra
July 15, 2019

Car insurance for good drivers in Arizona

Many of the factors contributing to car insurance rates are out of your control: your age, the city or state in which you reside, and your gender are common rating factors over which you don’t have much of a say. But there are a few factors you can control if you're looking for lower rates.

If you're looking for affordable car insurance, consider keeping your driving record squeaky clean, your credit score high, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who pose the least risk, so low-risk driving behaviors can lead to a price cut.

See below a breakdown of the best companies with which to start your car insurance search if you’re a low-risk customer in Arizona.

Car insurance for citation-free drivers in Arizona

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Car insurance companies view safe drivers as less risky customers, in turn charging them lower premiums. If you remain on the right side of the law, you could enjoy lower car insurance rates.

If you’ve steered clear of violations in recent years, start your insurance search with Ameriprise Group, with an average annual rate of $919. That comes out to $376less than the average car insurance rate for citation-free drivers in Arizona.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN ARIZONA
Insurance CompanyAvg. Annual Auto Insurance Rate
Ameriprise Group$919
Farm Bureau Mutual (IA Group)$1,221
USAA$1,253
Encompass$1,396
State Farm$1,468
Progressive$1,474
GEICO$1,510
Nationwide$1,543

Car insurance rates for drivers with above-average credit in Arizona

Auto insurance companies reward clients who maintain a solid credit profile. If you have a credit score in the good, very good, or excellent tiers, you could receive a price cut on your auto insurance premium.

If your credit score is “good,” your best auto insurance option in Arizona could be Ameriprise Group, offering average rates of $919. If your credit score is even better (in the "excellent" range), Ameriprise Group might be a smart place to start your search. Ameriprise Group's prices for clients who have credit scores of 800 or better are $302 per year less than the typical car insurance premium for drivers with excellent credit in Arizona.

Find below a breakdown of auto insurance rates in Arizona for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN ARIZONA
Insurance CompanyAvg. Annual Auto Insurance Rate
Ameriprise Group$919
Farm Bureau Mutual (IA Group)$1,221
USAA$1,253
Encompass$1,396
State Farm$1,468
Progressive$1,474
GEICO$1,510
Nationwide$1,543

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN ARIZONA
Insurance CompanyAvg. Annual Auto Insurance Rate
Ameriprise Group$852
USAA$1,170
Farm Bureau Mutual (IA Group)$1,176
State Farm$1,177
Progressive$1,299
Encompass$1,319
GEICO$1,407
Nationwide$1,461

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN ARIZONA
Insurance CompanyAvg. Annual Auto Insurance Rate
Ameriprise Group$775
State Farm$948
Farm Bureau Mutual (IA Group)$1,089
USAA$1,091
Progressive$1,114
Encompass$1,306
GEICO$1,311
Allied$1,357

Compare rates from top companies!

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Auto insurance for low-mileage drivers in Arizona

If you drive infrequently, you're less likely to get into a collision. At least that’s the logic car insurance companies use when rewarding drivers who use their cars only infrequently. If you don't exceed the threshold of 7,500 miles per year, you could save some money on car insurance. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a resident of Arizona who drives only infrequently, consider Ameriprise Group, which offers average per-year savings of $477 for low-mileage drivers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN ARIZONA
Insurance CompanyAvg. Annual Auto Insurance Rate
Ameriprise Group$818
USAA$1,079
Farm Bureau Mutual (IA Group)$1,163
State Farm$1,325
Encompass$1,396
GEICO$1,473

Start your search today — compare rates now!

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Car insurance rates for good drivers in Arizona — by city

In addition to varying by state and by insurance company, car insurance rates differ depending on the exact address at which the vehicle is listed. Car insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk levels associated with various regions.

Find below a breakdown of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Chandler$1,717$1,717$1,573$1,439$1,519
Tucson$1,720$1,720$1,575$1,439$1,509
Mesa$1,765$1,765$1,619$1,481$1,556
Glendale$1,922$1,922$1,761$1,609$1,634
Phoenix$1,980$1,980$1,813$1,656$1,718

Find an affordable policy today!

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