Who Has Affordable Auto Insurance for 18 Year Olds in Phoenix?

For teen drivers, one of the more important components that are looked at to determine the annual cost of car insurance is where your residence is. Larger areas tend to pay more, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.

The next table rates the most expensive areas in Arizona for 18 year olds to buy an auto insurance policy in. Phoenix comes in at #1 having an annual price of $1,231 for the average insured, which is around $103 monthly.

How much does car insurance cost in Phoenix, AZ?
Rank City Annual Rate
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,174
4 Scottsdale $1,163
5 San Tan Valley $1,161
6 Tempe $1,152
7 Buckeye $1,144
8 Gilbert $1,142
9 Goodyear $1,131
10 Peoria $1,126
11 Maricopa $1,118
12 Mesa $1,113
13 Chandler $1,093
14 Surprise $1,090
15 Tucson $1,061
16 Oro Valley $1,051
17 Catalina Foothills $1,050
18 Casa Grande $1,047
19 Casas Adobes $1,040
20 Yuma $954
21 Prescott $942
22 Flagstaff $931
23 Sierra Vista $899
24 Bullhead City $878
25 Lake Havasu City $844
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Table data uses approximated as zip code location can change coverage prices noticeably.

The vehicle you are insuring is probably the biggest factor when shopping around for low-priced coverage for 18 year olds. Vehicles with limited speed and performance, an excellent safety record, or low incidents of liability claims will cost quite a bit less to insure than high performance models.

The next list estimates coverage premiums for some of the most economical vehicles to buy insurance for.

Cheapest Vehicles to Insure in Phoenix, AZ
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $5,615
Ford Escape XLT 4WD $5,674
Toyota Prius $6,117
Jeep Wrangler Sahara 4WD 2-Dr $6,284
Dodge Grand Caravan CV $6,294
Toyota RAV4 Limited 2WD $6,665
Volkswagen Jetta LE 4-Dr Sedan $6,674
Ford F-150 Lariat Super Cab 4WD $6,727
Chevrolet Malibu LT $6,735
Toyota Tacoma Double Cab TRD Sport Package 4WD $6,727
Ford Explorer Limited 4WD $6,737
Honda Civic LX 4-Dr Sedan $6,983
Ford Focus SEL 4-Dr Sedan $6,991
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Table data assumes single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Phoenix, AZ location which can increase or decrease insurance rates noticeably.

Based on these rates, you can figure that cars like the Honda CR-V, Ford Escape, and Toyota Prius will definitely be some of the less-costly vehicles to insure for teen drivers. The price of auto insurance will be more expensive because of the fact that there is more inherent risk for 18 year olds, but overall those models will have the lowest insurance prices that you are likely to find.

Figuring out which company offers the best car insurance rates for 18 year olds involves a tad more effort than just getting one or two price quotes. Each auto insurance company uses their own method for setting rates, so let’s take a look at the car insurance companies with the most affordable rates in Phoenix.

It’s important to know that Phoenix car insurance rates are determined by lots of factors which can significantly increase or decrease the cost of having a policy. Simply getting older, increasing deductibles, or having an accident can trigger rate changes resulting in some rates now being more affordable than competitors.

Lowest Insurance Price Quotes for Teens

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Arizona auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $836
2 Safeco $896
3 Auto-Owners $897
4 USAA $1,113
5 Travelers $1,119
6 GEICO $1,142
7 Progressive $1,152
8 CSAA $1,189
9 Ameriprise Group $1,208
10 Allied $1,233
11 Farm Bureau Mutual $1,297
12 Safe Auto $1,297
13 Unitrin $1,317
14 State Farm $1,323
15 Farmers $1,391
16 Titan $1,418
17 Amica $1,429
18 American Family $1,463
19 MetLife $1,551
20 California Casualty $1,552
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The Hartford may offer some of the best car insurance rates in Phoenix at around $836 per year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also are some of the lowest-priced Phoenix, AZ car insurance companies.

In this example, if you are insured with USAA and switched to The Hartford, you could see an annual savings of roughly $277. Arizona drivers with Travelers may save as much as $283 a year, and GEICO policyholders might reduce rates by $306 a year.

If you would like to find cheaper car insurance rates, click here to get a free quote or quote rates from the companies below.

These premium estimates are averaged for all ages of drivers and types of vehicles and are not factoring in an exact zip code location for 18 year olds. So the car insurance company that can offer you the best price may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own specific driver information and vehicle.

Types of discounts on Phoenix insurance

Discounts on car insurance for 18 year oldsInsurance providers that offer cheap quotes for 18 year olds may provide price discounts that could reduce prices by as much as 35% or more if you meet eligibility requirements. Large car insurance companies and some of their more popular discounts include:

The example below shows the comparison of insurance costs with and without some available policy discounts. The rate quotes are based on a female driver, no claims or driving violations, Arizona state minimum liability limits, full coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with passive restraint, continuous coverage, vehicle safety, good student, anti-theft, and paperless filing discounts applied. With discounts applied, theaverage amount saved on car insurance for 18 year olds is 28% or $502.

Selecting the top insurer is hard considering how many different companies there are to choose from in Arizona. The ranking information in the next section may help you pick which auto insurance companies to look at when comparing insurance rates for 18 year olds.

These ratings only include companies that write coverage in many states, so companies that have a smaller presence are not factored into this list. If you would like to check rates from many more Arizona auto insurance companies, click here.

Phoenix, AZ Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
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Data Source: Insure.com Best Car Insurance Companies

The illustration below shows how different deductible levels can raise or lower insurance costs when getting quotes for cheap insurance for 18 year olds. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

The data above shows that a 40-year-old driver could save $284 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $430 by selecting a $1,000 deductible. Young drivers, like the 20-year-old, could drop their prices up to $708 or more just by choosing larger deductibles.

When using a larger deductible, it’s a good idea to have enough spare savings to enable you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Phoenix car insurance rates

Phoenix, AZ car insurance rates are influenced by many factors that will increase or decrease the price you have to pay. Simply having another birthday, filing a claim, or getting into an accident can trigger price changes resulting in some companies being more affordable than others. Not only may your risk profile change, but auto insurance companies amend premium rates as needed as an adjustment for underwriting gains or losses. Heavy losses may result in higher prices, while a better loss history may produce cheaper Phoenix car insurance rates.

For example, the graph below shows rates for the cheapest car insurance in Phoenix, AZ for a 35-year-old male driver with no prior claims, no tickets, and a good credit history. If we estimate rates based on his personal risk profile, The Hartford may have the lowest car insurance rates in Phoenix at $1,207 per year. This is $221 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remainder of the most affordable Phoenix, AZ auto insurance companies.

The next chart shows rates after we give the driver in the first example a chargeable claim, a lower credit score, and a speeding ticket. Because every insurance company uses their own calculation to set policy rates, comparing rates could now result in a slightly different list of the cheapest Phoenix car insurance companies as shown below.

GEICO now has the lowest car insurance rate in Phoenix with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now being in the top five. This example proves why drivers need to shop around with many companies when trying to get the most affordable car insurance quotes for 18 year olds.

Prices can be determined by many factors and can change without notice, so the cheapest option six months ago may now not even be in the top five.

If you aren’t clear which coverage you need and would like to have a consultation when trying to find lower insurance rates for 18 year olds, the insurance agencies listed below can probably help you make a decision which policy is best. To locate a Phoenix insurance agent closest to you, click the link at the bottom.

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