Cheap Car Insurance for Drivers Under 25 in Arizona

It’s hard to avoid all the catchy advertisements from insurers like Allstate and Farmers that promise dirt cheap rates, so drivers should just choose one randomly, right?

That is not the case, however, as there are a whole bunch of unknowns such as if you rent or own your home, if you have maintained coverage continuously, whether you just want liability only, and if you have a spouse, that help determine the price you have to pay. The content below covers these things and will hopefully give you a jump start in finding the best auto insurance in Arizona.

The vehicle you are trying to insure is one of the main factors when looking for cheap car insurance for drivers under 25. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost much less to insure than high performance models.

The list below illustrates auto insurance rates for a number of the most economical vehicles to insure in Arizona.

Table data represents single male driver age 20, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in specific zip code location which can revise rates greatly.

Looking at the data, we can assume that vehicles like the Honda CR-V, Honda Accord, Ford Escape, Chevrolet Traverse, and Hyundai Tucson should be a few of the cheaper vehicles to insure for drivers age 25 and younger. The price for an auto insurance policy will be more costly just due to the fact that there is more inherent risk for drivers under 25, but generally speaking those specific models will tend to have the lowest prices possible.

Finding decent, cheap auto insurance is not the easiest thing to accomplish, and figuring out which insurers offer the most affordable auto insurance rates for drivers under 25 involves additional perseverance. Policy rates will probably be slightly greater than the average price in Arizona because of the extra risk that comes with offering coverage for drivers age 25 and younger, but reasonable coverage should be achievable with some perseverence. Every auto insurer has their own formula to determine premium rates, so we need to take a look at the overall cheapest auto insurance companies in Arizona.

It’s important that readers know that Arizona auto insurance rates are based on many factors which can substantially change your annual premium. Simply improving your credit score, buying a home instead of renting, or getting a reckless driving citation may prompt premium changes that can make some companies more expensive than competitors.

Best Cheap Insurance Rates for Young Drivers

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The Hartford generally has some of the best car insurance rates in Arizona at around $820 each year. Safeco, Auto-Owners, Travelers, and USAA also are some of the more affordable Arizona auto insurance companies.

As depicted above, if you are currently insured with Safeco and switched to The Hartford, you could realize an annual premium reduction of in the vicinity of $76. Drivers with Auto-Owners may save as much as $104 a year, and Travelers customers might lower prices by up to $288 a year.

To find out how much you can save, click here to start your custom quote or quote rates from the companies below.

Remember that these estimates are averaged for all ages of drivers and types of vehicles and do not take into consideration a rate surcharge for drivers under 25. So the auto insurance company that can offer the best rates for your situation may not even be included in the list of companies shown earlier. That is why you need to quote rates from many companies using your own specific driver and vehicle information.

For drivers age 25 and younger, one of the big things that is used by car insurance companies to calculate the cost of insurance is your address in Arizona. Cities with larger populations or higher claim trends like Phoenix, Glendale, and Peoria tend to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.

The illustration below illustrates the more expensive cities in Arizona for drivers under 25 in which to purchase auto insurance.

Prices are approximated as the specific Arizona residence address can decrease or increase price quotes substantially.

The chart below highlights how deductible selection can change insurance rates when researching cheap insurance for drivers under 25. The data is based on a married female driver, comp and collision included, and no discounts are applied.

In the chart above, a 30-year-old driver could pocket $322 a year by changing from a $100 deductible to a $500 deductible, or save $484 by changing to a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could reduce their rates $684 each year by using a higher deductible. If you do make the decision to raise your deductibles, it’s a good idea to have plenty of money set aside to be able to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Best rates: State Farm, Allstate, Geico, or Progressive

If you’re looking for the cheapest car insurance for drivers age 25 and younger, the top insurers to get price quotes from are State Farm, Allstate, Geico, and Progressive. Between them, they make up over 48% of all policies written in the United States. The next table ranks ratings for price, service, and claims, in additional to some of the optional coverages shoppers can expect to find with each one.