The car, truck, or SUV you are seeking coverage for is a large consideration when comparing economical coverage for low income drivers. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The data below illustrates car insurance premiums for a handful of the cheapest automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $1,225 |
| Hyundai Elantra SE Touring Station Wagon | $1,301 |
| Honda CR-V LX 2WD | $1,309 |
| Toyota Prius | $1,326 |
| Chevrolet Impala LS | $1,393 |
| Toyota RAV4 Limited 4WD | $1,420 |
| Chevrolet Equinox LS AWD | $1,428 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,425 |
| Toyota Tacoma 4WD | $1,464 |
| Ford Explorer XLT 4WD | $1,470 |
| Nissan Rogue SL 2WD | $1,521 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,527 |
| Ford Edge SEL AWD | $1,521 |
| GMC Sierra SLT Extended Cab 4WD | $1,528 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,523 |
| Dodge Grand Caravan SE | $1,533 |
| Dodge Ram Crew Cab ST 4WD | $1,545 |
| Ford Focus SEL 4-Dr Sedan | $1,607 |
| Toyota Camry Hybrid | $1,622 |
| Honda Accord EX-L 2-Dr Coupe | $1,629 |
| Ford F-150 FX4 4WD | $1,634 |
| Toyota Corolla LE | $1,637 |
| GMC Sierra 3500HD SLT Crew Cab 2WD | $1,651 |
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Table data assumes single male driver age 30, 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. Premium costs do not factor in zip code location which can affect coverage prices significantly.
Based upon the table data, makes and models like the Ford Escape, Hyundai Elantra, and Honda CR-V will definitely be the most affordable vehicles to insure for poor drivers.
For poor drivers, one of the big factors that help determine the price you pay for insurance is where you call home in Chandler. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas more rural areas benefit from lower prices.
The information below shows the most expensive cities in Arizona for low income drivers to purchase car insurance in. Chandler ranks #9 with an annual cost of $1,126 for the average insurance policy, which is around $94 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,186 |
| 5 | Scottsdale | $1,151 |
| 6 | Buckeye | $1,144 |
| 7 | Tempe | $1,140 |
| 8 | Peoria | $1,137 |
| 9 | Chandler | $1,126 |
| 10 | Goodyear | $1,120 |
| 11 | Gilbert | $1,120 |
| 12 | Maricopa | $1,118 |
| 13 | Mesa | $1,113 |
| 14 | Tucson | $1,105 |
| 15 | Casa Grande | $1,089 |
| 16 | Surprise | $1,058 |
| 17 | Oro Valley | $1,051 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casas Adobes | $1,040 |
| 20 | Flagstaff | $969 |
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Premium costs are comparative as the vehicle garaging location can decrease or increase coverage rates considerably.
The information below illustrates how your choice of deductibles can influence yearly insurance costs when researching cheap insurance for low income drivers. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.
As shown above, a 50-year-old driver could lower their policy premium by $330 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $500 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, have the ability to save as much as $844 every year just by choosing higher deductibles.
When raising deductibles, it will be necessary to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to get discounts on Chandler car insurance
Insurance companies that provide coverage for low income drivers may also give you policy discounts that can lower rates by as much as 30% if you meet eligibility requirements. Popular insurance companies and the discounts they provide can be found below.
- State Farm discounts include Drive Safe & Save, driver’s education, good driver, safe vehicle, and anti-theft.
- Farmers Insurance may include discounts for pay in full, business and professional, mature driver, switch companies, youthful driver, and good student.
- GEICO may have discounts that include good student, emergency military deployment, federal employee, membership and employees, multi-policy, and five-year accident-free.
- American Family includes discounts for bundled insurance, good driver, multi-vehicle, defensive driver, and mySafetyValet.
- Nationwide has discounts for good student, accident-free, multi-policy, defensive driving, easy pay, and business or organization.
- Progressive offers discounts for good student, multi-vehicle, homeowner, multi-policy, continuous coverage, online quote discount, and online signing.
The information below shows the difference between insurance prices with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, multiple vehicle, passive restraint, defensive driving course, safe-driver, and vehicle safety discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for low income drivers is 28% or $605.
Safe drivers pay less for insurance
The ideal way to obtain cheap insurance prices for poor drivers is to drive cautiously and have a clean driving record. The information below illustrates how violations and at-fault accidents can drive up annual premium costs for different age categories. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,285. Factor in one speeding ticket and the average cost jumps to $1,502, an increase of $217 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for low income drivers increases to an average of $3,547. That’s an increase of $2,262, or $189 per month, just for not driving safely!
How to find cheaper insurance for low income drivers
It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Chandler drivers find cheap coverage.
- Frequent claims will increase rates
- Higher deductibles save money
- Just one traffic violation will increase your rates
- Bundle home and auto and earn a discount
- Increase your credit score
- Avoid accidents
- Shop around once a year for cheaper rates
The last tip in the list is certainly crucial, as we discussed in this piece. Coverage rates in Chandler can change considerably in a year, so don’t be afraid to buy a policy from a new company if you find a cheaper price.
Many drivers prefer to stick with one company, but we do not recommend it if your bullheadedness ends up costing you hundreds every year. Now is a great time to shop around to find cheaper car insurance for low income drivers.