Who Has Cheap Auto Insurance for 17 Year Olds in Arizona?

The vehicle you are buying coverage for is probably the most important factor when consumers are trying to find affordable insurance for 17 year olds. Vehicles with reasonable performance levels, excellent safety ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models.

The information below outlines car insurance premiums for a selection of the most cost-effective vehicles to buy insurance for.

Data rating is 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 specific location information which can lower or raise coverage rates substantially.

Looking at the rates, you can see that cars like the Ford Escape, Honda CR-V, Subaru Forester, and Chevrolet Traverse will be some of the cheaper vehicles to insure for teen drivers. Rates will trend higher because there is a higher risk for 17 year olds, but generally speaking those particular vehicles will probably have the cheapest auto insurance rates that you’ll find.

For teen drivers, one of the big considerations that auto insurance companies use to calculate auto insurance rates is your address in Arizona. Areas with more people or higher crime rates like Phoenix, Avondale, and Scottsdale tend to have higher auto insurance costs, whereas more rural areas tend to receive slightly lower rates.

The next table displays the most expensive cities in Arizona for 17 year olds to buy car insurance in.

Rate information is approximated as the vehicle garaging location can raise or lower premium rates significantly.

Finding reliable, cost effective car insurance is easier said than done, and determining which company has the cheapest insurance rates for 17 year olds will require even more diligence. Insurance premiums will most likely be much more expensive than the average price in Arizona, with the increase attributed to the added risk that comes with offering coverage for teen drivers, but economical insurance may be achievable if you compare enough rates.

Every insurance provider has their own guidelines for setting prices, so first we will examine the most competitive insurance companies in Arizona. It’s a good idea to know that Arizona insurance rates are impacted by many things which can substantially decrease or increase the price of coverage. This price variability is why consumers need to compare lots of rates when trying to get the most affordable insurance quotes for 17 year olds. Insurance prices can be altered by many things and can increase or decrease at any time, so the cheapest rate the last time you shopped your coverage around may now cost much more than other companies.

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The Hartford generally has some of the cheapest car insurance rates in Arizona at around $820 each year. Safeco, Auto-Owners, Travelers, and Progressive also are some of the more affordable Arizona insurance companies.

As the example above demonstrates, if you are a policyholder with Travelers and switched to Safeco, you could realize an annual premium reduction of in the neighborhood of $179. Drivers with Progressive might save as much as $222 a year, and USAA policyholders might lower prices by $228 a year.

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

Bear in mind that those prices are averages across all drivers and vehicles in Arizona and are not factoring in a price surcharge for 17 year olds. So the company that is most affordable for your situation may not even be in the company chart above. That illustrates why you need to get quotes using your own specific driver and vehicle information.

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

When it comes to car insurance, some of the first companies to look at are Progressive, Allstate, State Farm, and Geico. All four offer physical damage and liability coverage, but each has different features and discounts that can influence your buying decision. The next table compares price, claims, and customer service ratings, as well as some optional coverages offered by each company.