Cheap Auto Insurance Quotes for a Learners Permit in Arizona

Wouldn’t it be so easy if we could look into our crystal ball and tell you the one perfect auto insurance company that has the cheapest rate quotes for a learners permit? It’s not quite that easy, unfortunately, as there are a whole slew of unknown aspects such as if you are wanting full coverage, if you have a clean driving record, and how many years you have been driving. We will attempt to cover these things and will hopefully give you a good start in finding the cheapest car insurance in Arizona.

One of the key factors that control car insurance rates is your zip code in Arizona. More populated areas like Phoenix, Avondale, and Tempe are more likely to pay higher prices, whereas more rural areas have the gratification of cheap auto insurance for a learners permit in Arizona.

The table below lists the most expensive places in Arizona for a learners permit in which to purchase auto insurance.

Rate quotes are approximated as the vehicle garaging location can modify insurance rates considerably.

The type of vehicle that needs insurance is probably the biggest factor that determines whether or not you find cheap auto insurance for a learners permit in Arizona. Vehicles with high performance engines, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models.

The information below ranks car insurance premiums for the more afforable vehicles to buy coverage for.

Data based on single female 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. Rates do not factor in specific Arizona garaging location which can revise insurance rates greatly.

By looking at the data, we can presume that makes and models like the Honda Accord, Honda CR-V, and Chevrolet Traverse will definitely be the cheaper vehicles to insure for new drivers. Car insurance rates will trend higher because there is more risk for a learners permit, but in general those makes and models will have the cheapest rates that you’ll find.

Shopping around for affordable car insurance is confusing at best, and finding out which insurers offer the most affordable auto insurance rates for a learners permit will involve a little more work. Prices may be significantly greater than the average rate in Arizona attributed to the posibility of more claims that comes with selling coverage for new drivers, but affordable insurance should be possible with some perseverence. Every auto insurer has a proprietary formula to determine premium rates, so first we will examine the auto insurance companies that tend to be cheaper in Arizona.

It’s important that you understand Arizona auto insurance rates are based on many factors which can significantly increase or decrease the price of coverage. This is why drivers need to perform a complete rate comparison when trying to get the most affordable auto insurance quotes for a learners permit. Car insurance prices can be determined by many factors and can decrease or increase without notice, so the most affordable company six months ago may now be an over-priced policy.

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The Hartford generally has some of the most affordable car insurance rates in Arizona at around $845 each year. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the more affordable Arizona auto insurance companies.

As the rates illustrate above, if you are currently insured with Safeco and switched to The Hartford, you might realize annual savings of upwards of $87. Arizona drivers with Travelers could save as much as $230 a year, and USAA policyholders might see rate reductions of $268 a year.

To get a fast rate comparison, click here to get a free quote or click several companies below for low rates.

Understand that those premiums are averaged across all ages of drivers and types of vehicles and are not factoring in a rate increase for a learners permit. So the auto insurance company that can offer you the best rate may not even be featured in the chart above. That helps illustrate why you need to get rate quotes using your own specific driver information and vehicle.

Discounts on cheap auto insurance for a learners permit in Arizona

Insurers that sell policies for a learners permit may additionally offer policy discounts that could potentially reduce rates by as much as 35% if you meet specific criteria. A few of the larger companies and their offered discounts can be found below.

• Progressive discounts include multi-vehicle, continuous coverage, good student, homeowner, and multi-policy.
• MetLife includes discounts for good student, defensive driver, claim-free, multi-policy, and accident-free.
• Mercury Insurance policyholders can earn discounts including professional/association, age of vehicle, anti-theft, low natural disaster claims, multi-car, and multi-policy.
• Nationwide offers discounts for defensive driving, multi-policy, easy pay, business or organization, and anti-theft.
• GEICO has savings for multi-policy, driver training, anti-theft, air bags, anti-lock brakes, military active duty, and seat belt use.
• AAA has discounts for AAA membership discount, pay-in-full, good driver, education and occupation, anti-theft, and multi-policy.

The diagram below visualizes the comparison of auto insurance rates with and without policy discounts. The data is based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with anti-theft, passive restraint, vehicle safety, continuous coverage, paid-in-full, and good student discounts applied. With discounts applied, the the average yearly reduction on auto insurance for a learners permit is 28% or $519.

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Selecting a good quality insurance company can be difficult considering how many choices there are in Arizona. The company rank data displayed below could help you decide which car insurance companies you want to consider comparing prices from. These ratings are only made up of companies that insure vehicles across America, so smaller companies that only insure vehicles in Arizona will not be included in these rankings.

Cheapest car insurance: Progressive, State Farm, Allstate, or Geico

If you want the best auto insurance, some of the largest companies to start with are Progressive, State Farm, Allstate, and Geico. Each one has a distinct set of features and optional coverages that shoppers can select from. The following table illustrates some of the different options and features you can buy with each company.