Establishing which companies offer the cheapest auto insurance rates for nurses calls for a little more work in order to find coverage that fits your budget.
Every auto insurer has their own guidelines for determining rates, so let’s take a look at the auto insurance companies with the most affordable rates in Mesa, AZ. It’s important to understand that Arizona auto insurance rates are determined by lots of factors which can substantially change the cost of a policy. Getting older, moving to a different location, or getting caught speeding may generate price changes that may make certain companies more affordable than competitors.
Best Car Insurance Prices for Health Occupations
The Hartford quotes some of the most affordable car insurance rates in Mesa at around $836 annually. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the lowest-priced Mesa, AZ car insurance companies.
In the rate table above, if you are currently insured with Auto-Owners and switched to The Hartford, you could realize an annual premium reduction of about $61. Insureds with Safeco could save as much as $69 a year, and USAA policyholders might cut rates by $244 a year.
To discover how much you can save, click here to begin a quote or feel free to get quotes from the companies below.
These policy rates are averaged for all types of insureds and vehicles and do not factor in an exact zip code location for nurses. So the company that has the lowest price for you may not even be in the top 28 companies shown above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The make and model of vehicle requiring coverage is probably the most important factor that determines if you can find the best cheap coverage for nurses. Vehicles with lots of speed or power, a lack of safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The list below estimates auto insurance premiums for some of the most cost-effective vehicles to buy insurance for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$1,451|
|Ford Escape XLS 4WD||$1,458|
|Honda CR-V EX 4WD||$1,484|
|Volkswagen Jetta S 4-Dr Sedan||$1,723|
|Toyota RAV4 4WD||$1,731|
|Dodge Grand Caravan Crew||$1,756|
|Jeep Wrangler Rubicon 4WD 2-Dr||$1,780|
|Chevrolet Impala LTZ||$1,816|
|Toyota Camry XLE||$1,824|
|Nissan Rogue S AWD||$1,846|
|Honda Odyssey Touring||$1,848|
|Ford Edge SE AWD||$1,855|
|GMC Sierra 2500HD SLE Extended Cab 4WD||$1,848|
|Ford F-150 XLT Super Cab 4WD||$1,897|
|Chevrolet Malibu LS||$1,943|
|GMC Sierra SLE Regular Cab 2WD||$1,951|
|Honda Civic LX-S 4-Dr Sedan||$1,952|
|Kia Optima SX||$1,971|
|Toyota Camry Hybrid||$1,979|
|Ford Explorer Limited 4WD||$1,987|
|Toyota Tacoma Double Cab 4WD||$1,996|
|Dodge Ram Quad Cab Sport 4WD||$2,003|
|Compare Rates Now Go|
Prices above based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can alter coverage rates significantly.
Based on these rates, vehicles like the Honda Accord, Ford Escape, and Honda CR-V are going to be a few of the most budget-friendly vehicles to insure for health professionals.
Full coverage versus liability only rates
Finding the cheapest auto insurance is the goal of most people, and a good way to find cheap insurance for nurses is to buy only liability coverage. The diagram below compares insurance premiums with and without full coverage. The costs are based on no accidents or driving violations, $500 deductibles, drivers are not married, and no policy discounts are applied.
If we average the cost for ages 20 through 70, physical damage insurance costs an additional $1,417 per year over having just liability coverage. Many of you may wonder if physical damage coverage is worth the money. There isn’t a written rule for excluding physical damage coverage on your policy, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, then you might consider buying liability only.
For example, let’s pretend your vehicle’s settlement value is $7,500 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would receive is $6,500 after paying your deductible. If you are paying in excess of $650 a year for physical damage coverage, then it might be time to buy liability only.
How accidents and violations affect rates
In a perfect world, the ideal way to receive the best auto insurance rates in Mesa for health professionals is to drive carefully and avoid getting tickets or having accidents. The diagram below highlights how speeding tickets and at-fault collisions drive up insurance rates for different age categories. The rates are based on a married female driver, full physical damage coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,770. Get written up for two speeding tickets and the average cost increases to $2,526, an increase of $756 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for nurses jumps again to an average of $3,300. That’s an increase of $1,530, or $128 per month, just for not being a responsible driver!
How to get discounts on Mesa auto insurance
Insurance companies that offer cheap quotes for nurses may also give you special discounts that could reduce prices by as much as 40% or more if you are eligible to receive them. A list of auto insurance companies and a selection of discounts can be read below.
- American Family policyholders can earn discounts including early bird, Steer into Savings, good student, accident-free, and good driver.
- Farm Bureau may offer discounts for youthful driver, renewal discount, driver training, multi-vehicle, and safe driver.
- State Farm has savings for good student, anti-theft, multiple policy, defensive driving training, and accident-free.
- Travelers includes discounts for good student, new car, continuous insurance, IntelliDrive, and driver training.
- The Hartford may include discounts for vehicle fuel type, driver training, air bag, good student, bundle, and defensive driver.
- GEICO offers discounts for emergency military deployment, anti-theft, anti-lock brakes, good student, multi-vehicle, and five-year accident-free.
- Progressive has discounts for continuous coverage, multi-policy, online signing, multi-vehicle, homeowner, and good student.
The diagram below shows the comparison of annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, no claims or violations, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with anti-theft, multiple policy, claim-free, multiple vehicle, safe-driver, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for nurses is 28% or $372.