The words “cheap” and “auto insurance” really should not be used together, in particular when looking for the cheapest auto insurance for teenage females. Because it’s not cheap, let’s teach you a few of the factors that significantly impact insurance premiums, and find out if we can help you shave a little off the next policy you buy.
One of the many things that are looked at to determine insurance cost is your zip code in Phoenix. Regions with larger populations or more claims likely pay more, whereas areas that tend to be more rural have the luxury of lower rates.
The information below rates the most expensive areas in Arizona for teenage females to purchase a policy in. Phoenix makes the list at #1 with an annual cost of $1,231 for coverage, which is approximately $103 monthly.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$852|
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Price information shown is estimated as zip code location can change rates considerably.
The vehicle model that needs insurance is one of the largest factors when consumers are trying to find the most affordable auto insurance for teenage females. Vehicles with more horsepower, poor crash test ratings, or high incidents of liability claims will cost much more to insure than more economical and safe models. The information below showcases insurance costs for a selection of the most affordable vehicles to insure in Arizona.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$6,662|
|Ford Escape XLT 4WD||$6,721|
|Honda Accord EX-L 4-Dr Sedan||$7,126|
|Hyundai Elantra SE Touring Station Wagon||$7,132|
|Jeep Wrangler Rubicon 4WD 2-Dr||$7,496|
|Ford Explorer XLT AWD||$7,506|
|Dodge Grand Caravan CV||$7,496|
|Ford Edge Limited 2WD||$7,843|
|Honda Odyssey EX W/Rear Entertainment||$7,852|
|Toyota Tacoma 2WD||$7,843|
|Toyota RAV4 2WD||$7,902|
|Volkswagen Jetta LE 4-Dr Sedan||$7,912|
|Chevrolet Impala LT||$7,902|
|GMC Sierra SL Extended Cab 2WD||$7,909|
|Chevrolet Equinox LT 2WD||$7,902|
|Toyota Camry LE||$7,907|
|Chevrolet Malibu LT||$7,964|
|Ford F-150 Lariat Crew Cab 4WD||$7,974|
|Ford Focus SES 4-Dr Sedan||$8,249|
|Toyota Corolla LE||$8,307|
|Nissan Altima 2.5 S 4-Dr Sedan||$8,315|
|Chevrolet Silverado LS Crew Cab 4WD||$8,369|
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Data based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific garaging location which can lower or raise premiums significantly.
Based upon the rates shown, you can assume that cars like the Honda CR-V, Ford Escape, Honda Accord, and Hyundai Elantra should be a few of the cheapest vehicles to insure for teen girls. The price for car insurance will tend to be more expensive just because there is more claim risk for teenage females, but in general those makes and models will have the cheapest rates that you’ll find.
Reckless driving habits raise auto insurance rates
One of the best ways to find cheap auto insurance premiums in Phoenix for teen girls is to be a careful driver and avoid accidents and traffic citations. The example below demonstrates how citations and fender-benders raise insurance premiums for each age group. The data assumes a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of a car insurance policy in Arizona per year with no accidents or violations is $1,640. Factor in two speeding tickets and the average cost rises to $2,272, an increase of $631 each year. Now add two accidents along with the two speeding tickets and the annual cost of auto insurance for teenage females jumps again to an average of $4,413. That’s an increase of $2,773, or $231 per month, just for not driving safely!
Get discounts on Phoenix auto insurance
Car insurance companies that offer cheap quotes for teenage females may also give you discounts that may potentially lower prices by as much as 35% or more if you qualify. Popular auto insurance companies and a summarized list of policyholder discounts include:
- State Farm has discounts for multiple autos, driver’s education, student away at school, Steer Clear safe driver discount, defensive driving training, and passive restraint.
- American Family may offer discounts for bundled insurance, air bags, accident-free, TimeAway discount, good student, Steer into Savings, and defensive driver.
- GEICO discounts include driver training, defensive driver, multi-policy, five-year accident-free, and military active duty.
- 21st Century offers discounts including defensive driver, anti-lock brakes, homeowners, theft prevention, automatic seat belts, and driver training.
- Progressive offers premium reductions for online signing, online quote discount, homeowner, multi-vehicle, multi-policy, good student, and continuous coverage.
The chart below shows the difference between yearly insurance costs with and without discounts applied to the rates. The data is based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with paid-in-full, paperless filing, vehicle safety, passive restraint, good student, and anti-theft discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for teenage females is 28% or $532.
How to find low-cost insurance for teenage females
It is possible to find better rates, and here are a few thrifty ideas that can help drivers find more affordable coverage.
- Raise deductibles
- Maintain a safe distance and avoid accidents
- Better credit rating means better rates
- Save money by only buying liability coverage for older vehicles
- Buy safe vehicles
- Maintain a clean driving record
- Compare price quotes at least once a year
That last tip is very crucial, as we hit on in this article. Prices fluctuate constantly, so drivers shouldn’t be reluctant to buy a policy from a new company if you can save money.
Staying with the same car insurance company is fine, but it’s not recommended if that inflexibility results in costing you a lot of money every month. Take a few minutes and compare rates to find cheaper insurance for teenage females in Phoenix.