Best Cheap Car Insurance for Inexperienced Drivers in Arizona

Comparing quotes for budget auto insurance is not the easiest thing to do, and deciding which company quotes the best car insurance rates for inexperienced drivers may require even more work.

Each auto insurance company has a unique approach for determining prices, so let’s begin by taking a look at the most competitive car insurance companies in Arizona. It’s important that readers know that Arizona car insurance rates are based on many factors that may substantially change the price you have to pay for coverage. This is why Arizona drivers need to perform a complete rate comparison when trying to get cheap auto insurance quotes for inexperienced drivers. Insurance prices consist of many factors and can change without notice, so the lowest-price company when you bought your policy may now be one of the higher cost companies.

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google.charts.setOnLoadCallback(drawAZT5qcibChart);function drawAZT5qcibChart() {var data = google.visualization.arrayToDataTable([[‘Company’, ‘Rate’, { role: ‘style’ }], [‘The Hartford’, 820, ‘#F08550’], [‘Auto-Owners’, 888, ‘#C86E42’], [‘Safeco’, 905, ‘#A65B37’], [‘Travelers’, 1086, ‘#8A4B2D’], [‘USAA’, 1113, ‘#733E25’]]);var options = {title: ‘Low-Priced Car Insurance Companies in Arizona’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 300,’chartArea’: {left:0,top:50,’width’: ‘100%’, ‘height’: ‘70%’},bar: {groupWidth: “90%”},legend: {position: ‘none’},vAxis: {viewWindowMode:’explicit’,viewWindow:{max:1213,min:0}}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});var view = new google.visualization.DataView(data);view.setColumns([0, 1,{ calc: “stringify”,sourceColumn: 1,type: “string”,role: “annotation” },2]);formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.ColumnChart(document.getElementById(‘qcibt5cic’));chart.draw(view, options);}

The Hartford may have some of the lowest car insurance rates in Arizona at around $820 per year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the more affordable Arizona car insurance companies.

As shown in the rates above, if you buy coverage from Auto-Owners and switched to The Hartford, you might achieve annual savings of about $68. Drivers with Safeco may save as much as $85 a year, and Travelers policyholders might reduce prices by as much as $266 a year.

Remember that these rates are averages across all ages of drivers and types of vehicles and do not factor in a rate decrease for inexperienced drivers. So the car insurance company that fits your age and vehicle best may not even be shown in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV requiring insurance is one of the largest factors when shopping around for the best cheap car insurance for inexperienced drivers in Arizona. Vehicles with more horsepower, poor safety ratings, or a track record of large liability claims will cost more to insure than safer models. The table below showcases insurance rates for the most budget-friendly automobiles to buy insurance for.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price information does not factor in zip code location which can affect rates considerably.

By looking at the data, we can assume that makes and models like the Honda CR-V, Ford Escape, and Honda Accord are most likely to be the most affordable vehicles to insure for new drivers.

For new drivers, one of the big considerations that is looked at to determine rate quotes is the neighborhood you call home in Arizona. Regions with larger populations or more claims like Phoenix, Glendale, and Buckeye tend to have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper auto insurance prices.

The information below ranks the higher priced cities in Arizona for inexperienced drivers to purchase a policy in.

Premium costs are approximated as the garaging address in Arizona can decrease or increase coverage prices noticeably.

Insurance rate increases from tickets or accidents

The easiest way to get low car insurance rates in Arizona for new drivers is to be a safe driver and not get tickets or have accidents. The chart below shows how speeding tickets and accident claims raise insurance premiums for each age group. The rate quotes are based on a married male driver, full coverage, $250 deductibles, and no policy discounts are applied.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 3119,3805,4505],[‘Age 30’, 1619,2303,3005],[‘Age 40’, 1561,2247,2945],[‘Age 50’, 1431,2115,2815],[‘Age 60’, 1405,2091,2793],[‘Age 70’, 1629,2315,3013]]);var options = {title: ‘Impact of Violations and Accidents on Arizona Insurance Premiums’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Arizona’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the prior example, the average cost of auto insurance in Arizona per year with a clean driving record and no accidents is $1,794. Receive two speeding tickets and the average cost surges to $2,479, an increase of $685 each year. Now include one accident along with the two speeding tickets and the yearly cost of car insurance for inexperienced drivers jumps again to an average of $3,179. That’s an increase of $1,385, or $115 per month, just for being a little careless behind the wheel!