The words “cheap” and “auto insurance” really should not be used together, especially when searching for the lowest insurance prices for high mileage drivers. To help control this cost, let’s start the ball rolling by going over some of the things that can significantly affect auto insurance rates, and see how we can help you take the sting out of the next policy you buy.
Establishing which company has the lowest-priced insurance rates for high mileage drivers may require a little more sweat in order to find the lowest price quote. Each insurance company used slightly different criteria to establish rates, so to begin we’ll rank the insurance companies with the overall cheapest rates in Arizona.
Keep in mind that Arizona insurance rates are impacted by many factors that control the policy premium. Getting older, moving to a new city, or getting a couple of tickets can trigger changes in premium resulting in some companies being more affordable than others.
Find the Best Cheap Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,391 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
| Quote Your Rates Go | ||
The Hartford quotes some of the most affordable car insurance rates in Chandler at around $811 per year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheapest Chandler, AZ car insurance companies.
In the above example, if you currently buy coverage from USAA and switched to Auto-Owners, you could earn a yearly price reduction of around $225. Drivers with Travelers might save as much as $231 a year, and Progressive insureds might lower prices by up to $242 a year.
To compare your rates to other Arizona insurance companies, click here to get quotes or quote rates from the companies below.
Remember that these rates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific vehicle garaging location for high mileage drivers. So the insurer that fits you best may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver and vehicle profiles.
For high mileage drivers, one of the big components that are looked at to help calculate car insurance rates is your address in Chandler. Larger areas tend to pay more, whereas areas with lower crime rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The next table sorts the highest-priced places in Arizona for high mileage drivers to purchase a policy in. Chandler shows up at #11 with the annual price of $1,115 on average, which is around $93 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,190 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Tempe | $1,152 |
| 7 | Gilbert | $1,142 |
| 8 | Peoria | $1,137 |
| 9 | Goodyear | $1,131 |
| 10 | Buckeye | $1,122 |
| 11 | Chandler | $1,115 |
| 12 | Mesa | $1,113 |
| 13 | Tucson | $1,094 |
| 14 | Casas Adobes | $1,082 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,080 |
| 17 | Casa Grande | $1,079 |
| 18 | Maricopa | $1,074 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
| Quote Best Rates Go | ||
Rate quotes are approximated as specific location information can decrease or increase insurance rates noticeably.
The vehicle you are insuring is one of the main factors when quoting cheap coverage for high mileage drivers. Vehicles with lower performance, an excellent safety record, or a positive history of liability claims will cost substantially less to insure than higher performance models. The table below shows insurance premiums for a selection of the most affordable vehicles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,244 |
| Ford Escape XLS 4WD | $1,364 |
| Dodge Grand Caravan CV | $1,392 |
| Ford Fusion S 4-Dr Sedan | $1,470 |
| Chevrolet Equinox LT 2WD | $1,478 |
| Nissan Altima 2.5 4-Dr Sedan | $1,470 |
| GMC Sierra SL Extended Cab 2WD | $1,477 |
| Ford F-150 STX Regular Cab 2WD | $1,493 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,498 |
| Honda Civic LX-S 4-Dr Sedan | $1,523 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,530 |
| Ford Edge Sport AWD | $1,550 |
| Hyundai Elantra SE 4-Dr Sedan | $1,558 |
| Toyota Prius | $1,555 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,575 |
| Find Cheaper Rates Go | |
Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Estimates do not factor in specific zip code location which can increase or decrease premium rates significantly.
Looking at the numbers, you can see that vehicles like the Honda CR-V, Ford Escape, and Dodge Grand Caravan are most likely going to be a few of the most economical vehicles to insure for high mileage drivers.
Discount Chandler car insurance
Insurance companies that offer coverage for high mileage drivers could also offer discounts that can reduce rates by as much as 35% or more if you meet certain criteria. Companies and their possible discounts are included below.
- American Family has savings for air bags, early bird, bundled insurance, mySafetyValet, TimeAway discount, and multi-vehicle.
- Nationwide offers discounts for multi-policy, accident-free, Farm Bureau membership, anti-theft, business or organization, defensive driving, and family plan.
- MetLife offers premium reductions for claim-free, accident-free, multi-policy, good student, defensive driver, and good driver.
- 21st Century may have discounts that include teen driver, 55 and older, theft prevention, student driver, automatic seat belts, driver training, and defensive driver.
- Farmers Insurance may include discounts for teen driver, youthful driver, distant student, multi-car, electronic funds transfer, and alternative fuel.
- Allstate has discounts for auto/life discount, good payer, EZ pay plan discount, premier plus, anti-theft, early signing, and defensive driver.
The diagram below shows the difference between auto insurance costs with and without discounts applied to the rates. The prices are based on a male driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with marriage, anti-theft, passive restraint, multiple vehicle, multiple policy, and homeowner discounts applied. When drivers take advantage of discounts, theamount saved on insurance for high mileage drivers is 28% or $642.
Full coverage rates vs. liability-only
Saving money when shopping for insurance is probably important to the majority of vehicle owners, and one of the best ways to pay less for insurance for high mileage drivers is to only buy liability coverage. The diagram below illustrates the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The data assumes a clean driving record, no at-fault accidents, $250 deductibles, drivers are not married, and no policy discounts are applied.
On average, comprehensive and collision coverage on your policy costs $2,107 per year more than insuring for liability only. At some point, almost every driver questions when is it a good idea to stop buying full coverage. There is no definitive guideline for phasing out full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
There are some conditions where buying only liability insurance is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is totaled, you should keep full coverage in place.
Chandler insurance companies ranked
Insuring your vehicle with a good quality company can be challenging considering how many companies are available to choose from in Chandler. The ranking data listed below can help you pick which auto insurers you want to consider when comparing auto insurance rates for high mileage drivers.
The ratings below are only comprised of the largest auto insurers in America, so companies without a large exposure are not taken into consideration for this list. To compare prices from these and other competitive companies, click this link.
Top 10 Major Auto Insurance Providers Overall in Chandler
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Major Auto Insurance Providers in Chandler Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%