Best Cheap Auto Insurance Quotes for Young Drivers in Arizona

Shopping around for affordable auto insurance is not the easiest thing to accomplish, and determining which companies have the lowest-priced insurance rates for young drivers will take additional perseverance. Policy prices will most likely be much pricier than the average price in Arizona attributed to the potential for more claims related to offering coverage for youthful drivers, but competitive coverage should be attainable if you compare enough rates. Every car insurance company has their own process to set their prices, so we’ll take a look at the most competitive insurance companies in Arizona.

It’s important to understand that Arizona insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. Taking a driver safety course, buying a different home, or getting a few speeding tickets can trigger changes in premium resulting in some companies being more expensive than competitors.

Best Cheap Insurance Rates for Teens

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The Hartford quotes some of the lowest car insurance rates in Arizona at around $836 annually. Safeco, Auto-Owners, Travelers, and USAA are also some of the best Arizona car insurance companies.

As the example above demonstrates, if you currently have coverage with USAA and switched to Safeco, you might realize savings of in the vicinity of $157. Drivers with GEICO may save as much as $208 a year, and Progressive customers might lower prices by $229 a year.

To see if your current coverage is too expensive, click here or feel free to get quotes from the companies below.

Be aware that those rates are averages for all drivers and vehicles in Arizona and and are not calculated with a price surcharge for young drivers. So the auto insurance company that has the lowest price for you may not even be in the company chart above. That point stresses why you need to get rate quotes from many companies using your own individual information.

The vehicle model on the policy is probably the biggest factor when consumers are trying to find economical insurance for young drivers. Vehicles with reasonable performance levels, an excellent safety record, or low incidents of liability claims will cost much less to insure than adrenaline junky models.

The next lists estimates coverage costs for a number of the cheaper vehicles to insure.

Data rating is based on single male 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 estimates do not factor in specific zip code location which can revise rates substantially.

Premium 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. Rates do not factor in Arizona location which can affect rates noticeably.

Prices based on 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. Price estimates do not factor in your specific Arizona location which can increase or decrease coverage rates significantly.

Cautious Arizona drivers save money

The easiest way to enjoy the cheapest insurance prices in Arizona for youthful drivers is to be a cautious driver and avoid accidents and traffic citations. The diagram below highlights how speeding tickets and at-fault claims increase yearly insurance costs for different insured age categories. The prices are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are applied to the premium.

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The data charted above shows the average cost of car insurance in Arizona per year with no accidents and a clean driving record is $1,207. Add in two speeding tickets and the average cost surges to $1,604, an increase of $397 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for young drivers increases to an average of $3,266. That’s an increase of $2,059, or $172 per month, just for not driving carefully!

Which car insurance company is best?

When shopping around for car insurance for youthful drivers, four of the larger companies to compare rates for are Progressive, Geico, Allstate, and State Farm. When combined, they have about half of the car insurance market in the United States. They all have your normal coverages like liability, comprehensive, and collision, but each one offers unique coverages that may influence your buying decision. The following table shows pricing and service ratings, as well as optional policy coverages that may be available in Arizona.