The cost of auto insurance Phoenix depends on many factors. One of the most important factors is your vehicle's make and model. The higher your vehicle's price, the more you will pay for coverage. You can find the lowest cost car insurance in Phoenix if you shop around.
Drivers 40 years old and over can expect to pay $1,748 per year in Phoenix. This rate is considerably less than the $2,534 they'll pay in other parts of the country. Your premium will also be affected by the make and model of your vehicle as well as your driving record.
Drivers who live in areas that are prone to accidents and claims will be charged more by insurance companies. Drivers with a good driving record and excellent credit score can save up 65 percent. Requesting a customized quote is a great idea.
Besides age and gender, the location of your home and your credit score can have an impact on your rates. If you are a homeowner or a federal employee, you may be eligible for discounts. If you're a military veteran, you can find low rates with USAA. State Farm or another insurance company may be better for younger drivers.
GEICO is a good choice if you're looking for affordable full coverage insurance in Phoenix. They offer the best value in Phoenix with rates that are half the national average. They offer several coverage options, including comprehensive, accident, and other liability insurance.
Look into the way that the insurance companies calculate the premiums when you're looking for auto insurance Phoenix. Each company uses its own formula. Progressive's formulas consider drivers' driving history and age to determine how much they'll be charged for coverage. Progressive insurance can be a great way to save up $1,134 each year.
State Farm is the next-cheapest option. You'll pay an average of $1,338 for your car insurance in Phoenix. Unlike most other car insurance companies, State Farm only provides insurance for civilian families.
Your rate could rise significantly if reckless driving or at-fault driving is a pattern. If you are convicted in a DUI case or other driving crime, your premium will go up to $934 annually. Alternatively, you can avoid any charges at all by avoiding speeding or other dangerous behaviors.
On the other hand, if you have a clean driving record, your monthly premium should be lower than other Phoenix drivers. While there are many factors that can influence your premium, safe driving will usually qualify you for a discount. The insurer may offer discounts if you have a clean driving record and/or a full coverage policy.
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. It is possible that your premium will exceed the actual value of your car so make sure you are getting the right amount.