The cost of auto insurance Phoenix depends on many factors. One of the most important factors is your vehicle's make and model. You will have to pay more for coverage if your vehicle is more expensive. It's possible to get the best car insurance in Phoenix by looking around.
Phoenix drivers over 40 can expect an average annual cost of $1748. This rate is substantially lower than the $2.534 they will pay in other parts. Your premium will also be affected by the make and model of your vehicle as well as your driving record.
High-risk drivers will typically be quoted higher rates by insurers if they live in an area with high numbers of claims or accidents. Drivers with good driving records and good credit scores can save up to 65 percent. Requesting a customized quotation is a smart move.
Rates will also be affected if you are older or more mature than you are. You may qualify for discounts if you're a homeowner or federal employee. USAA offers low rates for military veterans. State Farm or another insurance company may be better for younger drivers.
GEICO may be the best option for you if you are looking to get full coverage insurance at a low price in Phoenix. Their rates are approximately half of the national average making them the most affordable option in the city. They also offer a variety of coverage options, including comprehensive, collision, and other liability policies.
You should investigate how insurance companies calculate premiums when searching for auto insurance in Phoenix. Each company uses a different formula. For example, Progressive's formulas use a driver's age and driving history to determine how much they'll pay for coverage. That means that you can save up to $1,134 a year by choosing Progressive.
State Farm is the next best option. You'll pay an average of $1,338 for your car insurance in Phoenix. State Farm provides insurance only for civilian families and is not like other car insurance providers.
You can expect your rates to rise significantly if you are convicted of reckless or at-fault driver. If you are convicted of DUI or another driving offense, your premium could rise to $934 per year. Avoid speeding or engaging in other dangerous behavior to avoid any criminal charges.
However, if you are a safe driver, your monthly premium should be lower. Although there are many factors that influence your premium, you can usually get a discount for safe driving. You may be eligible for discounts depending on which insurer you choose.
Full coverage insurance in Phoenix will protect you from property damage and non-collision damages, but it will cost more than the minimum coverage policy. You might also pay more for your vehicle than you think, so be sure to get the right amount of coverage.