Who Has the Cheapest Auto Insurance for a 20 Year Old Male in Arizona?

It’s hard to avoid all the ads from car insurance companies like Liberty Mutual and State Farm promising enormous savings, so you just need to pick the company with the catchiest ad, right?

Unfortunately, it’s just not that easy, as there are a whole bunch of unknown factors like your current insurance company, if you want full coverage included, and if you have a spouse. We are going to cover the best ways to compare rates and will hopefully give you a good start in finding the cheapest insurance.

The type of vehicle you are insuring is probably the largest consideration when shopping for the cheapest car insurance for 20 year old guys in Arizona. Vehicles with lots of speed or power, poor crash test ratings, or high incidents of liability claims will cost much more to insure than more economical and safe models. The next table features coverage premiums for a selection of the most cost-effective vehicles to buy insurance for.

Data rating is based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in your specific Arizona location which can increase or decrease premium rates substantially.

Looking at the numbers, you can infer that vehicles like the Honda CR-V, Chevrolet Traverse, Ford Escape, and Toyota Prius will definitely be the more affordable vehicles to insure for young men. The price for an auto insurance policy will trend higher because of the fact that there is more liability exposure for 20 year old guys, but overall those vehicles will tend to have the best rates that you’ll find.

Finding out which company offers the most affordable auto insurance rates for 20 year old guys may require more time than just getting one or two price quotes. Each company has their own unique process to set their prices, so let’s rank the auto insurance companies with the overall cheapest rates in Arizona.

Best Insurance Companies for Men Age 20

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The Hartford may have some of the cheapest car insurance rates in Arizona at around $836 each year. Safeco, Auto-Owners, USAA, and Travelers also make the cut as some of the most economical Arizona auto insurance companies.

As shown above, if you currently have a policy with USAA and switched to The Hartford, you may realize an annual savings of roughly $277. Customers with Travelers may save as much as $283 a year, and Progressive policyholders might see rate reductions of $294 a year.

Bear in mind that those premiums are averages for all insureds and vehicles and do not take into consideration a rate increase for 20 year old guys. So the car insurance company that has the cheapest price for you may not even be included in the company chart above. That is why you need to get car insurance quotes using your own individual information.

For young men, one of the more important considerations used to determine the policy price is your address in Arizona. More densely populated places like Phoenix, Avondale, and Mesa are more likely to pay higher prices, whereas less populated areas tend to receive cheaper rates.

The information below displays the highest-priced places in Arizona for 20 year old guys to purchase a policy in.

Annual rates are comparative as the specific area where the vehicle is garaged can revise auto insurance rates substantially.

The example below shows how choosing a deductible can change annual premium costs when researching cheap insurance for 20 year old guys. The price estimates are based on a married male driver, comp and collision included, and no discounts are factored in.

In the chart above, a 40-year-old driver could save $282 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $424 by using a $1,000 deductible. Young drivers, like the 20-year-old, could lower their rates up to $950 or more by using higher deductibles when buying full coverage.

When using a larger deductible, it will be necessary to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Geico, Allstate, State Farm, or Progressive: Which is best?

If you are looking for the best car insurance for young men in Arizona, some of the first companies to look at are Geico, Allstate, State Farm, and Progressive. All of them offer physical damage and liability coverage, but each has a distinct set of features and optional coverages that drivers can select from. The data below ranks ratings and policy coverage options offered by each company.