Cheap Car Insurance for High School Students in Arizona

One of the many components that help set the price you pay for insurance is your address in Arizona. Cities with larger populations like Phoenix, San Tan Valley, and Mesa tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents have the benefit of cheap car insurance for high school students in Arizona.

The information below illustrates the more expensive cities in Arizona for high school students to purchase a policy in.

Premium amounts are approximated as vehicle location can revise premiums noticeably.

The type of vehicle needing coverage is a large factor that determines the availablility of the most economical auto insurance for high school students. Vehicles with high performance engines, a lack of advanced safety features, or an increased likelihood of liability claims will cost substantially more to insure than more economical and safe models.

The next list estimates coverage rates for a selection of the most economical automobiles to insure in Arizona.

Price data assumes single male 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. Information does not factor in specific location information which can raise or lower price quotes considerably.

Looking at the data, models like the Honda CR-V, Ford Escape, and Hyundai Elantra should be the most budget-friendly vehicles to insure for teenagers. Rates will be more costly just due to the fact that there is a higher risk for high school students, but in general those makes and models will have the best insurance prices compared to other vehicles.

Finding out which companies quote the most affordable auto insurance rates for high school students takes more time than just quoting one company’s rates. Each company has a different process for establishing rates, so let’s take a look at the most budget-friendly auto insurance companies in Arizona.

It’s important to understand that Arizona auto insurance rates are based on many factors that will increase or decrease your annual premium. Improving your credit rating, moving to a new city, or getting a ticket for running a stop sign can trigger rate changes resulting in some rates now being much cheaper than others.

Cheap Insurance Rates for Students

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The Hartford generally has some of the most affordable car insurance rates in Arizona at around $811 annually. Auto-Owners, Safeco, USAA, and Progressive also are some of the lowest-priced Arizona car insurance companies.

In this example, if you buy coverage from Auto-Owners and switched to The Hartford, you may see an annual premium reduction of in the vicinity of $86. Drivers with Safeco may save as much as $121 a year, and USAA insureds might see rate reductions of $269 a year.

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

Remember that these estimates are averaged for all types of insureds and vehicles and and are not calculated with a price surcharge for high school students. So the insurer that fits your needs best may not even be shown in the chart above. That affirms the importance of why you need to quote rates from many companies using your own individual information.

Arizona auto insurance company ratings

Choosing a high-quality car insurance company is hard considering how many choices there are in Arizona. The rank data below may help you decide which insurers to look at when buying insurance for high school students. The ratings below are for large, nationwide insurance companies, so smaller companies that only insure vehicles in Arizona will not be included in these rankings.

Company comparison: Allstate vs Geico vs State Farm vs Progressive

When comparing auto insurance for teenagers, the most popular companies are Allstate, Geico, State Farm, and Progressive. They all have your normal coverages like liability, comprehensive, and collision, but each one offers a slightly different set of options and discounts that you can choose from. The table below illustrates some of the different features that policyholders can buy.

Best cheap insurance quotes for teenagers

There are many ways to find cheap auto insurance in Arizona, but the most prevalent methods are using an independent or non-exclusive agent, an exclusive insurance agent such as Auto-Owners or State Farm, or direct online or over the phone from a company like Progressive or Geico. All three ways can provide auto insurance quotes, but shoppers should understand the differences in how they provide price quotes.

Independent insurance agents can place your business with multiple companies and can provide price quotes from each one. They can provide you with more rates, which may provide you with the best shot at cutting your rates. If they quote lower rates, your policy can be easily switched to a new company and the insured can keep the same agent.

Exclusive agencies are ‘exlusive’ to a single insurance company, two examples are an Allstate or Liberty Mutual agent. These agents normally cannot provide prices from multiple companies, so they really need to provide good service.

Opting to purchase auto insurance direct means you forego an exlusive or independent agent and instead buy direct from companies such as Geico or Progressive. This option can be good for drivers who have lower risk management needs and have a good understanding of what coverages they need.

Which method is best to buy cheap car insurance for high school students in Arizona? We would first guess that buying direct yields the cheapest rates because you bypass the agent, but in reality, that is not true. It would also be easy to say buying auto insurance from an independent agent can save the most money because they can shop around, but again, that’s not a true statement. For the right applicant, the exclusive agents have extremely competitive rates that are the lowest in Arizona.

Due to the large number of rating factors, the only true way to make sure you’re not overpaying for auto insurance is to compare lots of quotes. It’s a good idea to get price quotes from all three in order to have enough rates to compare. For a list of auto insurance companies with low rates, click here to view.