The words “low-cost” and “insurance” probably shouldn’t be used together, specifically when comparison shopping for the cheapest car insurance for uninsured drivers. To save some money, let’s familiarize you with some of the factors that have an effect on insurance premiums, and come up with some ways to slash the price of the next policy you buy.
One of the many components that determine car insurance rates is where you keep your car. More densely populated places tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.
The illustration below shows the most expensive areas in Arizona for uninsured drivers to buy an auto insurance policy in. Mesa is ranked at #11 with a yearly premium of $1,113 for the average policyholder, which is approximately $93 each month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,150|
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Annual rates are approximated as the specific area where the vehicle is garaged can alter prices considerably.
The make and model of vehicle you are buying coverage for is one of the main factors when consumers are trying to find the best cheap coverage for uninsured drivers. Vehicles with lots of horsepower, a lack of modern safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models. The table below illustrates auto insurance prices for the most budget-friendly automobiles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,371|
|Ford Escape XLT 2WD||$1,501|
|Ford Edge SE 2WD||$1,506|
|Honda CR-V EX-L 2WD||$1,535|
|Chevrolet Equinox LT AWD||$1,622|
|Chevrolet Impala LT||$1,631|
|Volkswagen Jetta LE 4-Dr Sedan||$1,622|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,638|
|Dodge Grand Caravan SXT||$1,654|
|Ford F-150 Lariat Crew Cab 4WD||$1,664|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,654|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,661|
|Ford Explorer XLT AWD||$1,680|
|GMC Sierra SLT Crew Cab 2WD||$1,741|
|Dodge Ram Crew Cab SLT 2WD||$1,767|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,772|
|Chevrolet Malibu Hybrid||$1,778|
|Toyota RAV4 4WD||$1,786|
|Honda Odyssey EX W/Rear Entertainment||$1,786|
|Ford Fusion S 4-Dr Sedan||$1,828|
|Jeep Grand Cherokee Laredo 4WD||$1,833|
|Ford Focus SEL 4-Dr Sedan||$1,841|
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Estimates do not factor in specific location which can impact rates considerably.
Based on these rates, you can assume that makes and models like the Honda Accord, Ford Escape, Ford Edge, Honda CR-V, and Chevrolet Equinox are going to be the most budget-friendly vehicles to insure for drivers with no prior coverage.
Finding out which companies offer the lowest-priced car insurance rates for uninsured drivers involves more time in order to find a policy that fits your budget.
Each auto insurance company uses a different method to determine premium rates, so to begin we’ll rank the car insurance companies that tend to have lower prices in Arizona.
Best Insurance Companies in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
|Compare Rates Now Go|
The Hartford generally has some of the best car insurance rates in Mesa at around $820 per year. Safeco, Auto-Owners, Travelers, and USAA also are some of the best Mesa, AZ insurance companies.
As shown above, if you are a customer of Auto-Owners and switched to The Hartford, you could realize annual savings of in the neighborhood of $95. Insureds with Travelers may save as much as $288 a year, and USAA policyholders might realize rate reductions of up to $293 a year.
To compare your rates to other Arizona insurance companies, click here to start your free quote or visit several of the following companies.
These rates are averages across all drivers and vehicles in Arizona and are not factoring in a specific vehicle garaging location for uninsured drivers. So the auto insurance company that is best suited for you may not even be in the list above. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.
Does full coverage make sense?
Reducing premiums for car insurance is the goal of the majority of vehicle owners, and one of the easiest ways to save on the cost of insurance for uninsured drivers is to not buy full coverage. The illustration below illustrates the comparison of insurance premiums with full coverage and liability only. The premium estimates are based on a clean driving record, no claims, $250 deductibles, marital status is single, and no additional discounts are factored in.
Averaged for all age groups, physical damage insurance costs $1,579 per year more than carrying just liability coverage. That brings up the question when is it safe to stop buying full coverage. There is no exact rule of when to phase out physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you might want to think about dropping full coverage.
There are some cases where removing full coverage is not in your best interest. If you still owe a portion of the original loan, you have to maintain full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
The chart below illustrates how your deductible choice can raise or lower annual premium costs when quoting cheap insurance for uninsured drivers. The information is based on a married male driver, full coverage, and no other discounts are factored in.
As shown above, a 50-year-old driver could pocket $250 a year by changing from a $100 deductible up to a $500 deductible, or save $378 by changing to a $1,000 deductible. Young drivers, such as the Age 20 example, could reduce their rates $834 or more just by using higher deductibles.
If you do raise deductibles, it is a good idea to have enough in a savings account to offset the extra out-of-pocket expense, which deters some people from using high deductibles.
How to get discounts on Mesa car insurance rates
Insurance companies that offer cheap quotes for uninsured drivers may also give you rate discounts that could potentially reduce rates by as much as 25% or more if you meet certain criteria. The best car insurance companies and a selection of discounts are shown below.
- State Farm has savings for safe vehicle, good driver, passive restraint, student away at school, accident-free, and anti-theft.
- GEICO discounts include seat belt use, defensive driver, membership and employees, military active duty, and daytime running lights.
- SAFECO has discounts for accident prevention training, multi-car, homeowner, anti-lock brakes, teen safe driver, and bundle discounts.
- Farmers Insurance offers premium reductions for good student, switch companies, early shopping, business and professional, and distant student.
- AAA policyholders can earn discounts including anti-theft, good driver, multi-car, good student, multi-policy, education and occupation, and AAA membership discount.
- USAA may have discounts that include multi-vehicle, new vehicle, defensive driver, vehicle storage, good student, family discount, and safe driver.
The chart below shows the difference between auto insurance rates with and without discounts being applied to the rates. Data assumes a male driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, anti-theft, multiple vehicle, passive restraint, accident-free, and homeowner discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on car insurance for uninsured drivers is 28% or $392.