How Much Does Car Insurance Cost for 19 Year Olds in Arizona?

Locating low-priced car insurance is not the easiest thing to do, and deciding which companies have the cheapest car insurance rates for 19 year olds will take a bit more work. Policy prices will most likely be quite a bit pricier than the average rate in Arizona, with the extra cost attributed to the posibility of more claims that comes with selling coverage for teenage drivers, but affordable coverage should be available if you do a thorough comparison. Every insurance provider uses their own calculation for determining prices, so to begin we’ll rank the most affordable car insurance companies in Arizona.

Keep in mind that Arizona car insurance rates are impacted by many things that control the cost of your policy. This price fluctuation is why it is critical to compare rates to get the most affordable auto insurance quotes for 19 year olds. Car insurance prices can be determined by many factors and change dramatically, so the best option two years ago may now be priced much higher than other options.

Best Car Insurance Prices for Teens

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The Hartford has some of the lowest car insurance rates in Arizona at around $836 per year. Safeco, Auto-Owners, USAA, and Travelers also are some of the cheaper Arizona car insurance companies.

In this example, if you are a customer of USAA and switched to Safeco, you might see an annual premium reduction of in the neighborhood of $184. Drivers with Travelers could save as much as $190 a year, and Progressive customers might see rate reductions of $268 a year.

To get a quick, customized rate comparison, click here to start your free quote or visit any of the companies below.

It’s important to note that these prices are averaged for all types of drivers and the different vehicles they drive and and are not calculated with a price increase for 19 year olds. So the insurer that has the lowest price for you may not even be included in the list above. That points out the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

For teenage drivers, one of the largest criteria that help set a rate quote is where you choose to live in Arizona. Larger areas like Phoenix, Avondale, and San Tan Valley tend to have higher auto insurance costs, whereas cities that are not as densely populated have the gratification of cheap auto insurance for 19 year olds in Arizona.

The information below ranks the most costly cities in Arizona for 19 year olds to purchase a policy in.

Table data uses approximated as specific Arizona zip code can increase or decrease rates greatly.

The vehicle needing coverage is a large factor that determines whether or not you can buy cheap auto insurance for 19 year olds in Arizona. Vehicles with high performance, poor passenger safety features, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The next table ranks coverage costs for a selection of the cheapest automobiles to insure.

Data rating is based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific location which can modify coverage prices noticeably.

Based on these rates, we can infer that cars like the Ford Escape, Honda CR-V, Chevrolet Traverse, Hyundai Elantra, and Toyota Prius are most likely to be a few of the less-costly vehicles to insure for teenage drivers. The price of auto insurance will be more costly just because there is more exposure for 19 year olds, but generally speaking those makes and models will probably have the best insurance prices available.

Cautious Arizona drivers save money

The best way to receive cheap auto insurance for 19 year olds in Arizona is to drive cautiously and not have accidents or get tickets. The diagram below highlights how speeding tickets and at-fault collisions impact insurance prices for different age categories. The information is based on a single male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are taken into consideration.

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The data charted above shows the average cost of auto insurance in Arizona per year with no accidents and a clean driving record is $2,305. Get written up for two speeding tickets and the average cost surges to $3,060, an increase of $756 each year. Now add in two accidents along with the two speeding tickets and the annual cost of car insurance for 19 year olds jumps again to an average of $5,767. That’s an increase of $3,462, or $289 per month, just for not maintaining a clean driving record!

Full coverage or liability only

Finding cheap auto insurance for 19 year olds in Arizona is probably important to the majority of drivers, and one of the easiest ways to save on the cost of insurance is to buy liability only. The illustration below compares insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no policy discounts are applied.

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Averaged for all age groups, full coverage costs an extra $1,417 per year over and above liability coverage. That is a big expense that brings up the question if paying for full coverage is worth it. There is no set guideline to delete physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

For example, let’s say your vehicle’s claim settlement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your policy deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some conditions where eliminating full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.

How to find budget-friendly car insurance for 19 year olds

It is possible to find better rates, and here are many penny-pinching solutions that can help drivers locate cheaper coverage.

• Maintain a safe distance and avoid accidents
• Safe vehicles cost less to insure
• Raise your physical damage coverage deductibles
• Improve your credit rating
• Do not get traffic tickets
• On older vehicles, drop full coverage
• Compare rate quotes frequently

The final tip is particularly crucial, as was affirmed in this piece. Auto insurance prices in Arizona can change in a short period of time, so don’t be tentative to change insurance companies if you can save money. Brand loyalty is not necessarily bad, but it’s not a great idea if that devotedness results in you overpaying thousands of dollars over the life of your policy. It takes less than five minutes to compare rates to find cheaper auto insurance for 19 year olds.

Best cheap insurance quotes for teenage drivers

Thanks to technology, drivers have a lot of ways to shop for and buy car insurance in Arizona, but the most prevalent ways are from a captive (or exclusive) agency such as Auto-Owners or State Farm, an independent or non-exclusive agent, or from a direct company like Geico or Progressive.

They all follow the same basic process, but they differ in how they give price quotes.

Independent insurance agencies work for many companies and can get rate quotes from every one. These agents are appointed with more than one company and can provide you with more rate quotes, which can give you more bang for your buck. If the agent locates a cheaper price, the agent simply finds a different carrier which is easy for the insured.

An exclusive agent is only able to give prices for a single company, two examples are a Farmers or Allstate agent. This type of agents cannot provide a range of price quotes, so if finding the cheapest car insurance is your goal, you will want to shop around.

Car insurance from a direct company means you bypass local insurance agents and instead shop direct either online or via phone. Buying car insurance direct can be good for families who do not need high levels of coverage and have some degree of understanding of how car insurance works.

So out of those three methods, which one works best to find cheap auto insurance for 19 year olds in Arizona? It would be premature to say buying from a direct car insurance company results in the cheapest rates because there is no agent involved, but that generally is not the case. It would also be easy to say buying car insurance from an independent agent guarantees the lowest rates since they have more companies to choose from, but that idea is not necessarily true either. In the right set of circumstances, exclusive agencies have really good rates that are well below what direct and independents offer.

Because of the variability of car insurance rates, the only real way to make sure you’re not overpaying for car insurance is to get rate quotes and compare. In a perfect world, youll get price quotes from all three in order to find the best price. To see some of the cheapest online companies available, click here to view.