Cheapest Auto Insurance for Good Students in Arizona

One of the key considerations that is looked at to determine the price of your policy is your zip code in Arizona. Larger areas like Phoenix, Glendale, and Gilbert tend to have higher rates, whereas cities that are not as densely populated have the benefit of cheaper auto insurance prices.

The following table shows the most expensive cities in Arizona for good students to buy an auto insurance policy in.

Premium amounts are approximated as the specific area where the vehicle is garaged can influence prices significantly.

The car, truck, or SUV driven is probably the largest consideration when shopping around for the cheapest auto insurance for good students in Arizona. Vehicles with lower performance, good crash test ratings, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models.

The list below illustrates car insurance prices for a handful of the cheapest vehicles to buy coverage for.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in your specific Arizona location which can alter auto insurance rates significantly.

Looking at the rates, we can presume that models like the Ford Escape, Honda Accord, Honda CR-V, and Chevrolet Traverse are the cheaper vehicles to insure for student drivers.

Trying to buy cost effective insurance is tough enough, and figuring out which insurers offer the most affordable insurance rates for good students will take even more rate comparisons. Each insurer has a different process for setting rates, so let’s take a look at the insurance companies with the overall best prices in Arizona.

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The Hartford generally has some of the most affordable car insurance rates in Arizona at around $811 a year. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the cheaper Arizona car insurance companies.

As shown in the rates above, if you currently have coverage with USAA and switched to Auto-Owners, you might achieve an annual savings of roughly $176. Drivers with Travelers might save as much as $204 a year, and Progressive customers might realize rate reductions of up to $237 a year.

To discover how much you can save, click here to start your free quote or feel free to get quotes from the companies below.

Be aware that those premiums are averaged for all drivers and vehicles and do not take into consideration a price discount for good students. So the insurer that fits your needs best may not even be included in the above list. That point stresses why you need to get auto insurance quotes using your own driver information and specific vehicle type.

The chart below illustrates how your choice of deductibles can influence insurance costs when quoting cheap insurance for good students. The prices are based on a single male driver, full coverage, and no discounts are applied.

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In the chart above, a 30-year-old driver could save $374 a year by increasing from a $100 deductible up to a $500 deductible, or save $564 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old example, can cut $1,114 every year by choosing a larger deductible amount.

When raising deductibles, it will be important to have additional funds in a savings account to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.