Who Has the Cheapest Car Insurance for Teenagers in Arizona?

For teen drivers, one of the largest criteria that establish the price you pay for insurance is where your home is located in Arizona. Areas with high crime rates or more dense population like Phoenix, Glendale, and Mesa tend to pay more, whereas areas that tend to be more rural receive better rates.

The following table ranks the higher priced cities in Arizona for teenagers in which to purchase auto insurance.

Prices are estimated as specific location information can change coverage prices significantly.

The vehicle model on the policy is a large consideration when looking for the best cheap insurance for teenagers. Vehicles with limited top-end speed, excellent safety ratings, or a track record of few liability claims will cost less to insure than fast, unsafe models. The next tables shows auto insurance prices for a selection of the most affordable vehicles to buy coverage for.

Above prices assume single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific zip code location which can impact auto insurance rates significantly.

Prices based on single female driver age 17, 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 Arizona location which can influence coverage rates noticeably.

Above prices assume single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in zip code location which can modify coverage rates noticeably.

Deciphering which company has the cheapest insurance rates for teenagers requires a little more work in order to find the lowest price quote.

Every insurance company has a different process to establish rates, so let’s take a look at the most competitive insurance companies in Arizona.

Best Auto Insurance Prices for Teens

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The Hartford generally has some of the best car insurance rates in Arizona at around $845 a year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheaper Arizona car insurance companies.

In the above rates, if you currently buy coverage from Travelers and switched to The Hartford, you might see yearly savings of about $263. Policyholders with USAA could save as much as $268 a year, and Progressive insureds might reduce rates by $307 a year.

Remember that these policy rates are averaged for all types of drivers and the different vehicles they drive and are not factoring in a rate surcharge for teenagers. So the insurer that can offer you the lowest price may not even be featured in the list above. That emphasizes why you need to quote rates from many companies using your own personal information and vehicle type.

Discounts on the cheapest auto insurance for teenagers in Arizona

Auto insurance companies that offer quotes for teenagers could also offer rate discounts that could reduce prices by as much as 25% or more if you qualify. A list of insurance companies and some of the premium reductions they offer are detailed below.

The example below visualizes the comparison of insurance costs with and without discounts applied to the policy rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with passive restraint, continuous coverage, anti-theft, paid-in-full, paperless filing, and vehicle safety discounts applied. When these discounts are applied, the the amount saved on insurance for teenagers is % or $.

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Insurance companies ranked

Insuring your vehicle with a highly-rated insurer can be challenging considering how many choices you have in Arizona. The ranking information displayed below may help you select which car insurance companies you want to consider when buying insurance for teenagers. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Arizona business are not factored into the list.

Top 10 Large Auto Insurers in Arizona Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Top 10 Large 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+

Who is cheaper: Progressive, Geico, State Farm, or Allstate?

If you’re looking for the best auto insurance for teen drivers in Arizona, some of the largest companies to start with are Progressive, Geico, State Farm, and Allstate. They all offer a little bit different set of discounts and options that may influence your buying decision. The data below illustrates price and claims rank as well as some different options that are available for customers.