The vehicle model that is being insured is one of the main factors when shopping for economical coverage for drivers requiring a SR22. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of having liability claims will cost less to insure than fast, unsafe models. The data below estimates auto insurance rates for some of the most budget-friendly vehicles to insure.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 4WD||$4,954|
|Ford Escape XLT 4WD||$4,959|
|Ford F-150 XL Regular Cab 4WD||$5,537|
|Ford Explorer XLT AWD||$5,547|
|Nissan Altima 2.5 4-Dr Sedan||$5,560|
|Toyota Camry LE||$5,566|
|Dodge Grand Caravan Hero||$5,736|
|Chevrolet Malibu Hybrid||$5,744|
|Hyundai Elantra Blue 4-Dr Sedan||$5,765|
|Chevrolet Equinox LT 2WD||$5,788|
|Toyota RAV4 Sport 2WD||$5,793|
|GMC Sierra SLE Crew Cab 2WD||$5,788|
|Toyota Tacoma Double Cab 4WD||$5,793|
|Chevrolet Impala LTZ||$5,816|
|Jeep Grand Cherokee Limited 2WD||$5,871|
|Volkswagen Jetta SEL 4-Dr Sedan||$5,876|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$5,871|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$5,877|
|Honda Civic VP 4-Dr Sedan||$5,974|
|Honda Odyssey EX-L W/Navigation||$6,000|
|Ford Edge Sport 2WD||$6,039|
|Toyota Corolla LE||$6,045|
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Price data assumes single male driver age 40, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Table data does not factor in your specific Chandler, AZ location which can modify insurance rates greatly.
Based on these rates, we can expect vehicles like the Honda CR-V, Ford Escape, Toyota Prius, Ford F-150, and Ford Explorer will definitely be the most affordable vehicles to insure for high risk drivers. The price for car insurance will tend to be higher just due to the fact that there is a higher risk for drivers requiring a SR22, but generally speaking those makes and models will most likely have the cheapest car insurance rates that you’ll find.
For high risk drivers, one of the big considerations that are looked at to determine the amount you pay each year for auto insurance is where you keep your vehicle in Chandler. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the luxury of lower rates.
The next table lists the highest-priced places in Arizona for drivers requiring a SR22 in which to purchase auto insurance. Chandler shows up at #8 with the yearly price of $1,126 for car insurance, which is about $94 each month.
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$844|
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Annual rates are approximated as the specific area where the vehicle is garaged can impact coverage prices greatly.
Establishing which company has the most affordable insurance rates for drivers requiring a SR22 will require a bit more work than just picking a company at random. Every auto insurer has a unique formula to set policy rates, so we will examine the insurance companies with the overall best prices in Chandler, AZ.
We do need to point out that Chandler, AZ insurance rates are impacted by many things that will increase or decrease the price of coverage. Simply having another birthday, buying higher coverage limits, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be cheaper than before.
Best Car Insurance Prices for SR22 Drivers
The Hartford generally has some of the best car insurance rates in Chandler at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the more affordable Chandler, AZ insurance companies.
As the example above demonstrates, if you are currently insured with Travelers and switched to Auto-Owners, you could see a yearly savings of about $187. Insureds with USAA could save as much as $236 a year, and GEICO customers might realize rate reductions of up to $243 a year.
To discover how much you can save, click here to start your custom quote or quote prices from the following companies.
Be aware that those policy prices are averages across all ages of drivers and types of vehicles and and are not figured with an exact zip code location for drivers requiring a SR22. So the auto insurance company that fits you best may not even be in the top 28 companies shown above. That is why you need to get car insurance quotes using your own driver and vehicle profiles.
Drive safe and save
One of the best ways to earn the cheapest insurance prices in Arizona for high risk drivers is to drive carefully and not get tickets or have accidents. The information below demonstrates how citations and at-fault collisions can affect insurance costs for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,207. Get one speeding ticket and the average cost rises to $1,369, an increase of $162 each year. Next add two accidents along with the one speeding ticket and the annual cost of insurance for drivers requiring a SR22 jumps again to an average of $2,889. That’s an increase of $1,682, or $140 per month, just for not driving attentively!
Ending up with a high-quality insurance company can be a challenge considering how many companies sell coverage in Arizona. The company ratings listed below could help you select which coverage providers to look at buying from.
These ratings only include the companies with a significant amount of written premium nationwide, so companies that may only write in Arizona are not included in this list. To view rates from these and other competitive companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can affect insurance premiums when getting quotes for cheap insurance for drivers requiring a SR22. The premium estimates are based on a married male driver, comp and collision included, and no discounts are applied to the premium.
A 30-year-old driver could lower their car insurance rates by $232 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $352 by using a $1,000 deductible. Youthful drivers, like the Age 20 category, could lower their rates as much as $694 or even more by choosing larger deductibles on their policy.
If you do make the decision to raise your deductibles, it is essential to have emergency funds available to satisfy the extra out-of-pocket expense, which deters some people from using high deductibles.
The insurance agencies below can most likely provide answers to your questions and help you determine which coverage fits your budget, as lots of drivers aren’t clear which coverage they need and would like to have a consultation when shopping for the best coverage for high risk drivers. It can be difficult to find the cheapest rates, and insurance agents can add peace of mind knowing your coverage gives you adequate coverage if you have an accident or claim. To find an agent by location nearest to you, click the button at the bottom.
4221 E Chandler Blvd # 119 – Phoenix, AZ 85048 – (480) 759-1970
Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632
Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655