What Auto Insurance is Cheapest for Teenage Females in Phoenix?

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.

How much does car insurance cost in Phoenix, AZ?
Rank City Premium Per Year
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,210
4 San Tan Valley $1,150
5 Scottsdale $1,129
6 Chandler $1,126
7 Mesa $1,125
8 Buckeye $1,122
9 Goodyear $1,120
10 Maricopa $1,118
11 Gilbert $1,108
12 Tempe $1,106
13 Peoria $1,104
14 Casa Grande $1,089
15 Casas Adobes $1,082
16 Tucson $1,061
17 Surprise $1,058
18 Catalina Foothills $1,050
19 Oro Valley $1,031
20 Yuma $954
21 Flagstaff $931
22 Prescott $914
23 Sierra Vista $890
24 Bullhead City $878
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.

Cheapest Vehicles to Insure in Phoenix, AZ
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
Toyota Prius $7,188
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

Auto insurance for teen girls in Phoenix, AZCar 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:

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.

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.