How Much Does Auto Insurance Cost for a 20 Year Old Female in Arizona?

The words “low-priced” and “insurance” really shouldn’t be used together, especially when you are looking for the best car insurance for 20 year old women. In an attempt to save some money, let’s take a look at a few of the factors that have an impact on car insurance rates, and find a way to lower the price of the next policy you buy.

One of the more important components that insurance companies take into consideration when calculating the policy price is where you keep your car. More densely populated places like Phoenix, Glendale, and Scottsdale tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims generally benefit from lower insurance rates.

The following table sorts the most expensive places in Arizona for 20 year old women to buy auto insurance in.

Annual rates are approximated as the vehicle garaging location can lower or raise insurance rates substantially.

Deciphering which company has the best insurance rates for 20 year old women takes a little more sweat in order to find the most economical policy. Each insurance company uses their own formula to set their prices, so we need to take a look at the lowest cost insurance companies in Arizona.

It’s important that readers know that Arizona insurance rates are based on many factors that can increase the cost of your policy. Simply improving your credit, getting divorced, or getting into an accident may generate price changes that can make some companies more affordable than competitors.

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The Hartford quotes some of the best car insurance rates in Arizona at around $820 a year. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the cheapest Arizona car insurance companies.

In the above rates, if you are a policyholder with USAA and switched to Auto-Owners, you could earn an annual premium reduction of upwards of $198. Drivers with Travelers could save as much as $204 a year, and Progressive customers might see rate reductions of $237 a year.

To discover how much you can save, click here to begin a quote or quote prices from the following companies.

Understand that those estimates are averaged across all insureds and vehicles and and are not calculated with a rate increase for 20 year old women. So the company that fits your needs best may not even be in the rate chart shown above. That helps illustrate why you need to compare prices as often as possible using your own driver data and vehicle information.

Careless driving habits raise insurance rates

The ideal way to earn low insurance prices in Arizona for young women is to be a careful driver and avoid tickets and accidents. The illustration below highlights how traffic violations and at-fault fender-benders can affect car insurance rates for each different age group. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

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The data above shows the average cost of car insurance in Arizona per year with no accidents or violations is $1,481. Receive one speeding ticket and the average cost hikes up to $1,719, an increase of $237 each year. Now add in one accident along with the one speeding ticket and the yearly cost of insurance for 20 year old women goes up to an average of $2,402. That’s an increase of $921, or $77 per month, just for being a little careless behind the wheel!

Which car insurance company is best?

If you are shopping around for car insurance for young women in Arizona, four good companies to start with are Geico, Allstate, Progressive, and State Farm. If you add them together, they insure almost half of all auto insurance policies in force. The table below illustrates pricing and service ratings, as well as optional policy coverages .