Cheap Car Insurance for 16 Year Olds in Arizona

Everyone has different tastes in autos, and the style of vehicle needing coverage is probably the largest consideration that determines whether or not you can buy the best cheap car insurance for 16 year olds. Vehicles with higher performance, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models.

The data below outlines car insurance rates for a number of the most budget-friendly vehicles to insure.

Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can decrease or increase premiums substantially.

Prices above based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence insurance rates noticeably.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location which can lower or raise rates noticeably.

Establishing which company has the lowest-priced auto insurance rates for 16 year olds may require a bit more effort in order to find the lowest price quote. Every car insurance company uses their own formula to determine premium rates, so we will examine the overall cheapest auto insurance companies in Arizona.

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The Hartford may have some of the cheapest car insurance rates in Arizona at around $811 each year. Auto-Owners, Safeco, USAA, and Travelers also are some of the cheaper Arizona auto insurance companies.

As shown above, if you currently have a policy with USAA and switched to Auto-Owners, you could see annual savings of around $192. Policyholders with Travelers may save as much as $220 a year, and Progressive insureds might lower prices by $242 a year.

To compare your rates to other Arizona insurance companies, click here to start a quote or visit several of the following companies.

These estimates are averaged across all types of insureds and vehicles and and are not calculated with a rate increase for 16 year olds. So the company that can offer you the best price may not even be included in the list of companies above. That illustrates why you need to compare as many prices as possible using your own specific driver and vehicle information.

For Arizona drivers, one of the components that affect auto insurance rates is where you keep your vehicle in Arizona. Areas with a lot of weather claims or more people like Glendale, Phoenix, and Buckeye tend to have more expensive car insurance rates, whereas cities that are not as densely populated generally pay lower auto insurance rates.

The next table illustrates the most expensive areas in Arizona for 16 year olds to buy an auto insurance policy in.

Rates are approximated as the garaging address in Arizona can increase or decrease auto insurance rates considerably.

Selecting a good quality company can be difficult considering how many companies sell coverage in Arizona. The company information listed below may help you choose which auto insurers you want to consider when insurance shopping for 16 year olds.

The rankings below include companies that write coverage in many states, so companies that focus mainly on Arizona business are not taken into consideration for these rankings. If you wish to compare rates from these companies and more, just click here.

Top 10 Major Auto Insurers in Arizona Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Major Auto Insurers in Arizona Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

How to find the cheapest car insurance for 16 year olds

Below you’ll find many penny-pinching solutions that can help you buy low-cost auto insurance.

• Raise your physical damage coverage deductibles
• Higher credit ratings may save you money
• Bundle home or renters insurance to earn a discount on car insurance
• Save money by staying claim-free
• Serious violations like DUI or reckless driving can increase rates dramatically
• Avoid having at-fault accidents
• Compare rates once a year for cheaper prices

The last item on the list is particularly important, as we pointed out in this article. Car insurance prices adjust frequently, so don’t hesitate to buy a different policy if a better rate can be found.

Many drivers have brand loyalty and that’s fine, but it’s not a good idea if your bullheadedness ends up costing you a fortune every year. If you have a few minutes, now is a great time to compare rates and find cheaper insurance for 16 year olds.

Who has the cheapest insurance quotes for new drivers?

There are a variety of different ways to get affordable auto insurance quotes in Arizona, but the most preferred are through an independent insurance agent, an exclusive insurance agency like State Farm or Auto-Owners, or buying direct from a company like Progressive or Geico. Each way has the same basic process, but buyers need to know the differences in how they work.

Independent insurance agencies are appointed by several companies and can get rate quotes from all of them. Agents of this type do not work for one specific company and can quote rates with many companies, which may provide you with a better chance of saving money. If they find a cheaper price, your agent can just switch to a different company and you can keep the same agent.

Exclusive agents are limited to just one company, a couple examples are Allstate or State Farm agents. Exclusive agencies are unable to provide a range of price quotes, so they have no alternatives for high prices.

Consumers who buy auto insurance direct do not use a local agent and instead shop from a direct company like Progressive. Shopping direct is a good choice for drivers who have fewer assets and know more than average about how auto insurance works.

So which of the methods works best for finding cheap car insurance for 16 year olds in Arizona? Our initial answer would be shopping direct saves money because there isn’t an agent involved, but that is generally not the case. We could also assume that going through an independent agent is the best way since they have access to many companies, but again, it’s not necessarily true. For the right applicant, the exclusive agents have extremely competitive rates that are the lowest in Arizona.

Since auto insurance rates vary so much, the only true way to get the lowest rate is to compare rate quotes from as many companies as possible. If you have the time, get prices from all three types in order to find the best price. A great place to start is our list of online companies offering discounts: click here to view.