Things would sure be easy if we could just give you the name of the one company that has the cheapest rate quotes in Arizona. Regrettably, it’s not quite that easy, as there are a whole bunch of unknowns like the safety features built into your vehicle, the crime level of your neighborhood, if you are a homeowner or renter, and the annual mileage you drive. If you keep reading, we will teach you about the types of things that cause high car insurance rates and should give you a good start in finding the cheapest car insurance in Arizona.
The car, truck, or SUV that needs insurance is one of the biggest factors when quoting the most affordable insurance for single moms. Vehicles with economical engines, an excellent safety record, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The next table showcases car insurance costs for a handful of the cheaper automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,468 |
| Chevrolet Equinox LS AWD | $1,603 |
| Ford F-150 FX4 Super Cab 4WD | $1,632 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,639 |
| Honda CR-V EX 4WD | $1,701 |
| Ford F-350 Super Cab Harley Edition 2WD | $1,780 |
| Hyundai Sonata SE 4-Dr Sedan | $1,804 |
| Honda Accord LX-S 2-Dr Coupe | $1,813 |
| Kia Optima SX | $1,833 |
| GMC Sierra SLE Crew Cab 2WD | $1,835 |
| Toyota RAV4 Sport 4WD | $1,845 |
| Nissan Altima 2.5 4-Dr Sedan | $1,835 |
| Toyota Prius | $1,843 |
| Ford Explorer XLT AWD | $1,862 |
| Dodge Grand Caravan CV | $1,870 |
| Chevrolet Malibu LT | $1,870 |
| Ford Focus S 4-Dr Sedan | $1,925 |
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Table data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in vehicle garaging location which can revise insurance rates greatly.
By looking at the data, you can see that models like the Ford Escape, Chevrolet Equinox, Ford F-150, and Toyota Tacoma are going to be some of the cheaper vehicles to insure for single parents.
Finding good, cheap car insurance is challenging, and finding out which company quotes the best car insurance rates for single moms involves even more shopping around. Each insurer has a proprietary formula to determine premium rates, so first we will examine the car insurance companies with the overall best prices in Arizona.
We do need to point out that Arizona car insurance rates are based on many factors that control the price you have to pay for coverage. That is why it is critical to shop around when trying to get cheap auto insurance rates for single moms. Insurance rates are impacted by many things and change substantially, so the most economical option the last time you shopped your coverage around may now not even be in the top five.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Safe Auto | $1,323 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,377 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford may offer some of the lowest car insurance rates in Mesa at around $836 annually. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheaper Mesa, AZ car insurance companies.
As shown in the table above, if you currently have coverage with Auto-Owners and switched to The Hartford, you may see yearly savings of approximately $61. Insureds with Safeco might save as much as $87 a year, and Travelers customers might lower prices by up to $239 a year.
To see how much you can save, click here or feel free to get quotes from the companies below.
Be aware that those premiums are averaged across all drivers and vehicles in Arizona and are not factoring in a specific location for single moms. So the company that fits your needs best may not even be in the top 28 companies shown above. That helps illustrate why you need to compare rates from as many companies as possible using your own individual information.
One of the more important things that are used to help calculate the price you pay for insurance is where you normally keep your vehicle in Mesa. Areas with a lot of weather claims or more people likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates profit from lower rates.
The information below rates the most costly cities in Arizona for single moms to purchase a policy in. Mesa is ranked #9 with an annual cost of $1,113 for coverage, which is around $93 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Avondale | $1,222 |
| 2 | Phoenix | $1,218 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,185 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,156 |
| 7 | Goodyear | $1,131 |
| 8 | Chandler | $1,115 |
| 9 | Mesa | $1,113 |
| 10 | Gilbert | $1,108 |
| 11 | Tempe | $1,106 |
| 12 | Peoria | $1,104 |
| 13 | Maricopa | $1,074 |
| 14 | Tucson | $1,061 |
| 15 | Casa Grande | $1,057 |
| 16 | Catalina Foothills | $1,050 |
| 17 | Casas Adobes | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $992 |
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Premium amounts are estimated as specific Mesa zip code can modify prices considerably.
Do you need full coverage?
Reducing premiums for car insurance is probably important to the majority of drivers, and one good way to pay less for insurance for single moms is to not pay for full coverage. The illustration below illustrates the comparison of insurance prices with full physical damage coverage and with liability coverage only. The prices are based on no tickets, no at-fault accidents, $100 deductibles, drivers are single, and no policy discounts are applied.
If the expense is averaged for all age categories, physical damage insurance costs $2,305 per year over and above liability only. That proposes the question if you should buy full coverage at all. There is no set guideline for phasing out full coverage on your policy, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
How accidents and violations affect rates
The obvious way to snag the cheapest car insurance premiums in Mesa for single parents is to be a cautious driver and have a clean driving record. The example below illustrates how traffic citations and accident claims can impact insurance costs for different categories of driver ages. The data assumes a single male driver, full physical damage coverage, $500 deductibles, and no policy discounts are applied.
In the previous example, the average cost of car insurance in Arizona per year with no accidents and a clean driving record is $1,919. Add in two speeding tickets and the average cost swells to $2,535, an increase of $617 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for single moms increases to an average of $4,930. That’s an increase of $3,012, or $251 per month, just for being a less-than-perfect driver!
Picking a highly-rated auto insurance provider is difficult considering how many companies are available to choose from in Arizona. The ranking information shown below can help you choose which coverage providers you want to consider when shopping insurance around for single moms. These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not factored into this list.
Top 10 Major Auto Insurers in Mesa Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Here’s why you should shop around
Mesa, AZ car insurance rates are influenced by many factors that may substantially change the price of coverage. Simply turning a year older, becoming a homeowner, or getting a reckless driving citation may generate price changes that may make certain companies cheaper in comparison to the competition. Additionally, car insurance companies change rates without warning to adjust for unexpected claims or profits. Significantly higher claims may result in a rate increase, while long-term profits may produce lower-priced Mesa car insurance rates.
As an example, the graph below demonstrates which company has the cheapest car insurance in Mesa, AZ for a 30-year-old female driver with no accidents, a clean driving record, and excellent credit. If we compare prices based on her current situation, The Hartford has the most affordable car insurance rates in Mesa at $1,071 a year. This is $357 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the cheapest Mesa, AZ auto insurance companies.
Let’s now give the driver from the first rate comparison a couple of claims, slightly worse credit, and a traffic citation. Due to the fact that each insurance company has a unique formula for filing rates in each state, comparing rates could now result in a completely different list of affordable companies as shown below.
GEICO now has the best auto insurance rate in Mesa, AZ with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual completing the list. This example proves why Mesa drivers need to perform a complete rate comparison to find affordable car insurance rates for single moms. Insurance rates can be determined by many risk factors and can change without notice, so the best price a year ago may now not even be in the top five.