Who Has Affordable Phoenix Car Insurance Quotes for a 20 Year Old Male?

The vehicle model you are buying coverage for is a large consideration that determines if you can find economical car insurance for 20 year old guys. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The data below showcases auto insurance rates for a number of the more affordable vehicles to insure in Arizona.

Cheapest Vehicles to Insure in Phoenix, AZ
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 2WD $4,249
Hyundai Elantra GLS Touring Station Wagon $4,255
Ford Escape XLT 4WD $4,312
Toyota Prius $4,690
Dodge Grand Caravan CV $4,728
Ford Edge SEL AWD $4,979
Chevrolet Impala LS $4,986
Volkswagen Jetta S 4-Dr Sedan $5,042
GMC Sierra SLE Crew Cab 2WD $5,051
Chevrolet Equinox LT AWD $5,042
Toyota RAV4 2WD $5,047
Toyota Camry LE $5,042
Ford Explorer Limited AWD $5,106
Toyota Tacoma Double Cab 4WD $5,116
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $5,106
Ford Focus SES 4-Dr Sedan $5,296
Honda Civic LX-S 4-Dr Sedan $5,302
Toyota Corolla LE $5,360
Honda Odyssey EX-L W/Navigation $5,370
Chevrolet Silverado LT Regular Cab $5,403
Kia Optima LX $5,409
Jeep Grand Cherokee Limited 4WD $5,423
Chevrolet Malibu LTZ $5,431
Get a Custom Quote Go

Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in Phoenix, AZ location which can lower or raise auto insurance rates noticeably.

By looking at the data, vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape are going to be a few of the more affordable vehicles to insure for young men. Rates will be more expensive because of the fact that there is more liability risk for 20 year old guys, but overall those particular models will probably have the cheapest car insurance rates compared to other vehicles.

One of the many components that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Phoenix. Areas with more people or more claims are more likely to pay higher prices, whereas more rural areas have the luxury of lower rates.

The next table sorts the most expensive places in Arizona for 20 year old guys to buy car insurance in. Phoenix is listed at #1 with the annual price of $1,255 for the average insurance policy, which is about $105 each month.

How much does auto insurance cost in Phoenix?
Rank City Annual Rate
1 Phoenix $1,255
2 Glendale $1,226
3 Avondale $1,186
4 San Tan Valley $1,185
5 Gilbert $1,142
6 Peoria $1,137
7 Mesa $1,125
8 Buckeye $1,122
9 Goodyear $1,120
10 Maricopa $1,118
11 Tempe $1,118
12 Scottsdale $1,117
13 Casas Adobes $1,082
14 Chandler $1,082
15 Casa Grande $1,079
16 Catalina Foothills $1,072
17 Oro Valley $1,062
18 Tucson $1,061
19 Surprise $1,048
20 Yuma $992
21 Flagstaff $969
22 Prescott $914
23 Sierra Vista $899
24 Lake Havasu City $870
25 Bullhead City $869
Start a Quote Go

Annual rates are estimated as the specific area where the vehicle is garaged can revise premiums greatly.

Phoenix auto insurance companies

Buying coverage from a highly-rated insurance provider can be challenging considering how many choices you have in Phoenix. The company ratings in the lists below can help you choose which auto insurance companies you want to consider when comparing auto insurance rates for 20 year old guys.

The rankings below only include the largest auto insurers in America, so smaller companies are not taken into consideration for this list. To compare prices from these top-rated insurers and more, follow this link.

Best Ten Auto Insurance Companies for a 20 Year Old Male in Phoenix
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
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Violations and accidents raise rates

One of the best ways to enjoy the most affordable auto insurance rates in Arizona for young men is to be a good driver and not receive tickets or have accidents. The example below demonstrates how traffic citations and at-fault accidents can impact insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of car insurance in Phoenix per year with no violations or accidents is $1,209. Get written up for two speeding tickets and the average cost hikes up to $1,661, an increase of $452 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for 20 year old guys increases to an average of $2,116. That’s an increase of $907, or $76 per month, just for not being attentive to the road!

How to find economical car insurance for 20 year old guys

Lowering your rates is not difficult, and here are some money-saving ideas that can help Phoenix drivers buy low-cost auto insurance.

That last piece of advice is incredibly vital, as was stressed in the article above. Insurance prices fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available.

Staying with the same company for years is fine, but it’s not a good idea if your bullheadedness ends up costing you a lot of money every month. In just a few minutes you could shop around and find cheaper car insurance for 20 year old guys in Phoenix.