Cheap Auto Insurance for Drivers Under 21 in Arizona
Enter your Arizona zip code below to view companies that have cheap auto insurance rates.
UPDATED: Nov 8, 2019
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Establishing which company has the cheapest auto insurance rates for drivers under 21 will involve a little more work in order to find the best policy. Every insurance company has a different process to establish rates, so we will examine the auto insurance companies that tend to be cheaper in Arizona.
It’s a good idea to be aware that Arizona auto insurance rates are based on many factors which can significantly increase or decrease the cost of coverage. Improving your credit score, getting divorced, or getting a couple of tickets may prompt premium changes that may make certain companies cheaper than competitors.
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford normally has some of the lowest car insurance rates in Arizona at around $845 each year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the cheaper Arizona car insurance companies.
As the example above demonstrates, if you currently have a policy with Auto-Owners and switched to The Hartford, you could earn a yearly price reduction of upwards of $43. Insureds with Safeco could save as much as $87 a year, and Travelers insureds might lower prices by up to $230 a year.
To get a quick, customized rate comparison, click here to get a free quote or feel free to get quotes from the companies below.
Enter your zip code below to view companies that have cheap auto insurance rates.
Remember that these policy rates are averages across all drivers and vehicles in Arizona and and are not calculated with a price surcharge for drivers under 21. So the auto insurance company that can offer you the best rate may not even be shown in the list above. That point stresses why you need to compare as many prices as possible using your own personal information and vehicle type.
The vehicle that is being insured is one of the largest factors that determines whether or not you find low-cost insurance for drivers under 21. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost more to insure than more modest models.
The data below estimates insurance rates for a number of the most cost-effective automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$2,334|
|Honda CR-V EX-L 4WD||$2,370|
|Chevrolet Traverse LS AWD||$2,404|
|Hyundai Elantra SE Touring Station Wagon||$2,555|
|Toyota Tacoma 4WD||$2,589|
|Ford F-150 XLT Super Cab 2WD||$2,597|
|Jeep Wrangler Sahara 4WD 2-Dr||$2,595|
|Subaru Outback 2.5I||$2,623|
|Ford Edge SEL 2WD||$2,738|
|GMC Sierra SLE Crew Cab 2WD||$2,774|
|Toyota RAV4 Sport 2WD||$2,781|
|Chevrolet Malibu Hybrid||$2,774|
|Dodge Grand Caravan Hero||$2,783|
|Toyota Sienna LE||$2,774|
|Ford Fusion S 4-Dr Sedan||$2,780|
|Hyundai Tucson Limited 2WD||$2,774|
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Data based on single male driver age 19, 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 vehicle garaging location which can affect coverage prices considerably.
Looking at the numbers, models like the Ford Escape, Honda CR-V, Chevrolet Traverse, and Hyundai Elantra will definitely be some of the most affordable vehicles to insure for minors. Prices will tend to be more expensive because of the fact that there is more inherent risk for drivers under 21, but in general those vehicles will probably have the cheapest car insurance rates that you’ll find.
One of the key things that control car insurance rates is where your home is located in Arizona. Cities with larger populations or higher claim trends like Phoenix, San Tan Valley, and Tempe will most likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper auto insurance prices.
The information below illustrates the highest-priced places in Arizona for drivers under 21 to purchase auto insurance in.
|3||San Tan Valley||$1,196|
|25||Lake Havasu City||$844|
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Table data uses comparative as specific location information can affect premium rates greatly.
Should you buy full coverage?
Finding cheap car insurance for drivers under 21 in Arizona is the goal of most drivers, and a great way to lower the cost of insurance is to not pay for full coverage. The chart below shows the comparison of auto insurance rates with and without physical damage coverage. The price estimates are based on no claims or violations, $250 deductibles, single status, and no additional discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs $1,579 per year over having just liability coverage. That touches on the question if it’s a good idea to buy full coverage. There is no definitive guideline to eliminate physical damage coverage, but there is a general guideline. If the annual cost of having full coverage is about 10% or more of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s say your vehicle’s replacement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, you would only receive $3,000 after the deductible is paid. If it’s costing you more than $300 a year to have full coverage, then it may be the right time to buy liability only.
There are some cases where eliminating full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
The chart below shows how choosing a deductible can affect yearly insurance costs when searching for cheap insurance for drivers under 21. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $368 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $554 by using a $1,000 deductible. Young drivers, such as the Age 20 example, can save as much as $824 each year by choosing a higher deductible.
When using a larger deductible, it is a good idea to have enough funds in savings to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Arizona auto insurance companies ranked
Selecting a good quality insurance company can be a challenge considering how many companies provide coverage in Arizona. The rank data in the next section may help you analyze which car insurance companies to look at buying from. The ratings below are only made up of companies with a national presence, so companies that focus mainly on Arizona business are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Find cheap car insurance for drivers under 21 in Arizona
It’s not impossible to find cheaper rates, and here are some of the recommended penny-pinching suggestions that can help drivers buy low-cost coverage.
- Drive safe vehicles
- Save money by only buying liability coverage for older vehicles
- Do not get into accidents
- Good credit can save money
- Avoid speeding and other traffic citations and pay less
- Higher deductibles save money
- Comparison shop at least every other year
The last suggestion is very critical, as we emphasized in the article above. Prices charged by car insurance companies in Arizona can change significantly in a year, so don’t hesitate to buy a different policy if a cheaper price is available.
Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that devotion results in you overpaying lots of hard earned cash every month. Take a few minutes and compare rates to find cheaper insurance for drivers under 21.
Who has the cheapest insurance quotes for minors?
Consumers have many ways to get affordable auto insurance quotes in Arizona, but the most frequently used are through an exlusive agent like Liberty Mutual or Allstate, an independent insurance agent, or from a direct company like Progressive. You can use whichever you prefer, but shoppers should understand the differences in how they give price quotes.
Independent agents work with multiple companies and can provide price quotes from all of them. They have the freedom to get prices from more than one company, which can give you a better comparison. If premiums increase, they can switch companies in-house and you don’t have to do anything.
Exclusive agents are only able to give rates for one company, two popular examples being Farmers Insurance or State Farm agents. Exclusive agents are unable to shop your coverage around, so you need to shop around if the rates are high.
The final way is buying direct, which means you forego an agent and buy direct online or over the phone from a company like Progressive or Esurance. Shopping for auto insurance direct may be a decent choice drivers who do not need high levels of coverage and have some degree of understanding of how auto insurance works and possible exclusions.
So which of the methods works best for finding cheap car insurance for drivers under 21 in Arizona? The quick answer would be buying from a direct car insurance company saves money since it doesn’t require paying agent commissions, but unfortunately, it’s not that cut and dried. A valid argument could also be made that using an independent agent can save the most money since there are more companies to choose from, but that assumption is also not necessarily accurate. And often times, the exclusive agents have price quotes that independents and direct companies can’t touch.
Due to that fact that auto insurance uses so many rating variables, the only true way to buy the cheapest policy is to get quotes and compare. Smart shoppers will get rate quotes from all three to have a good selection of rates to choose from. A great place to start is our list of online companies offering discounts: click here to view.
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