Which Company Has the Lowest Cost of Car Insurance in Buckeye?

Buckeye, Arizona is a suburb in Phoenix’ West Valley with a population of 79,600+. According to Neighborhood Scout, the median household income in Buckeye is $65,932, while the vehicle theft rate is 229 per 100,000 vehicles. The average commuting time for anyone driving a car is 32.3 minutes, which is seven minutes higher than the national average. Interstate 10, which is often choked with vehicles, runs through the town.

All of these factors can affect insurance premiums. If vehicle theft rates are particularly high in an area, that increases the risk for insurers. When commuters have long drives to reach their destinations, that means more time on the road and a higher chance of accidents plus wear and tear on their vehicles.

Luckily, auto insurance policy premiums in Buckeye are some of the cheapest in the area at $1,070. That figure is much less expensive than the average $1,852 annual rate in Phoenix and less than the $1,670 rate for Arizona. Buckeye benefits from lower rates because of its position in the West Valley, which is on the edge of open spaces.

What are the Insurance Requirements in Buckeye?

Arizona requires drivers to have the following insurance minimums: $25,000 bodily injury liability for one person and $50,000 for two or more persons injured in an accident, along with $15,000 property damage liability. The Arizona Department of Transportation (ADOT) monitors all vehicle insurance information and sends drivers notices if their insurance company drops their coverage.

However, as with most other states, carrying the minimum coverage for vehicle insurance in Arizona is not recommended because of the adverse effects that could ensue if you are at fault in a serious crash. Insurance protects your personal assets because you can be sued by other drivers involved to pay for their medical costs or their vehicle damages once your liability limits have been exhausted. If you carry only the minimum, those liability limits could be exhausted very quickly after a serious crash. It’s also a good idea to carry personal injury protection (PIP) or medpay coverage to pay your expenses if you’re involved in a car accident and the other driver doesn’t have insurance to cover your losses.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Buckeye by Insurer

Drivers can find cheap auto insurance in Arizona from several companies including GEICO, Progressive, NICO PPNM, Farmers Insurance Co. of Arizona, and more. However, as a vehicle owner, you may not want to automatically take the insurance with the cheapest rate. Instead, compare policies to see what kind of coverage you get and review the company’s customer service ratings to see how promptly they settle claims and how easy they are to work with.

Are you looking for a cheap car insurance quotes? Compare rates for all companies here.

Low Cost Auto Insurance for Bad Credit in Buckeye

If you have bad credit in Arizona, you may find virtually no low rates to insure your vehicle. Arizona is notorious for penalizing drivers with bad credit. According to AZ Central, the state is ranked 11th in the United States for placing high premiums on drivers with bad credit. In some instances, you may have to pay twice as much for your premium as someone who has exceptional credit, leading to up to an extra $1,500 per year.

Want to know how your credit score affects your insurance rates, click here to learn more.

Differences Between the Two Main Coverages

What is Liability-Only?

Liability-only policies cover any damage you do as a driver, or which results from your automobile. These policies meet the minimum requirement for drivers in Fresno, California and are generally the cheapest. That is because the policy does not cover your car. Thus, if an uninsured driver hits your car, and is at fault, any damage you incur must be repaired at your expense. You will also be unable to make a claim if your car is damaged due to weather or as a result of some other non-driving incident.

What Full Coverage Covers

Full coverage is not a category used by insurance companies. Rather, it is a colloquial term used to describe policies that cover both you and other drivers. Thus, if you are in a collision with an uninsured motorist, you can make a claim to repair damage to your car. If your car is injured by some other sort of accident or even vandalism, you can claim those repairs, too.

When you purchase a car on a financing plan, your lender will probably insist that you cover the car with a comprehensive policy that will cover any damage. Even if you purchase a car outright you might want to purchase a comprehensive policy so that your beautiful car remains pristine for as long as possible.

Key Differences Between Full Coverage and Liability Only

So, liability-only insurance coverage will pay for what you did to the neighbor’s bumper when you backed into it while rushing to work. It will pay for the hospital visit by a bicyclist you hit who has a broken leg. Liability-only only insurance will pay for the utility panel you hit at the RV resort when you had trouble backing in.

Collision will pay for any damage you did to your own vehicle when you backed into that utility panel at the RV resort. Comprehensive will pay for the damage your vehicle suffered when a tree fell on it in intense rains that weakened the soil.

The difference between liability and full coverage insurance policies is that liability only covers other people and their vehicle if an accident should occur where you are at fault, but, with a full coverage insurance plan, you and your vehicle would also be covered along with other’s and their vehicle as well.

Another difference between the two is that a deductible is associated with full-coverage insurance, but not with liability. There is also a difference in price, where full coverage will cost more than liability insurance.

Average Annual Car Insurance Rates in Arizona by City

Additional cities in Arizona you can check out.


Sun City

Ways to Lower Your Insurance Premiums

Save on Your Insurance Policy Rates With These Discounts in Buckeye:

  • Shop around:

    It could not be clearer. The smallest difference in our driver demographics between the most expensive and the bargain insurance rate was over $1,100 yearly. It is a good idea to shop around yearly, especially if your policy rate goes up, since insurance carriers can change their rates whenever they feel it’s necessary.

  • Avoid accidents and moving violations:

    These will increase your rate, sometimes substantially.

  • If you have an accident or moving violation:

    It is often a good idea to spend a little bit of money now and attend traffic school, rather than have these violations stay on your driving record for years.

  • Insure your home and car with the same company:

    If you can insure your home or apartment and your vehicles with the same insurance carrier, you can also save money, as there is often a discount for bundling multiple services.

  • Look for discounts :

    Often, there are good driver rates for those with no moving violations or student driver rates. Sometimes, your insurance agent will not tell you about these discounts, but you can find them online.

  • Rates are influenced by the type of vehicle :

    Insurance rates are much higher if you carry full liability and have a vehicle you are paying off. Sometimes it is best to buy a new car and just maintain it thoroughly. Eventually, you will have no car payment, and you can eventually drop the collision insurance. When cars get to a certain age, you will not receive enough back from the insurance company if your car is totaled in an accident to justify buying the collision insurance each year.

Use this guide to find discounts here.

What are the Factors that Affect Your Buckeye Car Insurance Premiums

There are many factors that affect your insurance rates, number one being your driving record and whether or not you have had previous accidents where you were at fault. Other things that can affect the amount you will have to pay for auto insurance are:

  • The company that ensures you
  • Not only the city and state you live in but the area (zip code) you reside in as well
  • Your age
  • Whether you are male or female
  • Your earnings
  • Marital status
  • Your credit score
  • Speeding tickets or other tickets you have incurred
  • How many years of driving experience you have
  • How many miles you drive regularly, including your commute to work
  • The year, make, and model of your vehicle
  • Where you park your car when not in use

Find the best insurance rates with tickets and accidents using this guide.

Helpful Buckeye, Arizona Vehicle Resources:

Live Traffic and Accidents

DMV (Find Locations, Vehicle Registration, Titles and Insurance Info)


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