One of the many components that help determine the amount you pay for auto insurance is where you choose to live in Phoenix. Cities with larger populations or higher claim trends tend to pay slightly more, whereas areas with less people or fewer weather incidents profit from lower rates.
The following table rates the highest-priced places in Arizona for 19 year olds to buy auto insurance in. Phoenix is ranked at #1 with a yearly cost of $1,231 for the average policy, which is about $103 monthly.
|Rank||City||Average Per Year|
|2||San Tan Valley||$1,196|
|25||Lake Havasu City||$852|
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Premium amounts are approximated as the garaging address in Phoenix can alter rates considerably.
Determining which companies quote the best car insurance rates for 19 year olds will take more work than just getting one or two price quotes. Every auto insurer has their own guidelines for filing rates in each state, so let’s take a look at the most competitive car insurance companies in Arizona.
It’s important that you understand Phoenix, AZ car insurance rates are based on many factors which can substantially decrease or increase the price you have to pay for coverage. Improving your credit score, moving to a different location, or having an accident may cause policy rate changes that may make certain companies cheaper in comparison to the competition.
Best Auto Insurance Prices for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford has some of the lowest car insurance rates in Phoenix at around $811 per year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the best Phoenix, AZ car insurance companies.
As shown in the rates above, if you have coverage with USAA and switched to Auto-Owners, you might achieve a yearly price reduction of roughly $189. Insureds with GEICO may save as much as $218 a year, and Progressive policyholders might lower prices by up to $240 a year.
To compare your rates to other Arizona insurance companies, click here or visit several of the following companies.
Be aware that those policy prices are averaged across all insureds and vehicles and and are not calculated with a specific zip code for 19 year olds. So the insurer that can offer you the best price may not even be in the top 28 companies in the list above. That’s why you need to get car insurance quotes using your own driver information and specific vehicle type.
Get discounts on Phoenix car insurance
Insurance companies that provide coverage for 19 year olds could also offer rate discounts that can reduce rates by 25% or more if you meet eligibility requirements. Larger car insurance companies and a partial list of their discounts include:
- State Farm offers discounts for multiple autos, accident-free, anti-theft, defensive driving training, passive restraint, multiple policy, and good driver.
- GEICO has discounts for driver training, multi-policy, anti-theft, federal employee, and defensive driver.
- Allstate may include discounts for utility vehicle, farm vehicle, eSmart discount, early signing, and safe driver.
- SAFECO policyholders can earn discounts including bundle discounts, accident prevention training, teen safety rewards, anti-lock brakes, and multi-car.
- Farm Bureau has savings for multi-policy, driver training, safe driver, youthful driver, and good student.
- Progressive offers discounts including online signing, online quote discount, multi-vehicle, continuous coverage, homeowner, good student, and multi-policy.
- AAA discounts include multi-policy, pay-in-full, good driver, good student, education and occupation, and multi-car.
The diagram below illustrates the comparison of car insurance rates with and without discounts applied to the policy premium. The prices are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with accident-free, anti-theft, marriage, homeowner, multiple policy, and passive restraint discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for 19 year olds is 28% or $719.
Irresponsible driving raises your rates
The easiest method to get affordable car insurance prices in Arizona for teenage drivers is to drive carefully and avoid accidents and keep your driving record clean. The example below illustrates how speeding tickets and at-fault claims can impact insurance premiums for different age groups. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance per year with a clean driving record and no accidents is $1,633. Add in two speeding tickets and the average cost swells to $2,194, an increase of $562 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for 19 year olds jumps again to an average of $2,758. That’s an increase of $1,125, or $94 per month, just for being a less-than-perfect driver!
The illustration below demonstrates how deductible levels can raise or lower insurance costs when searching for cheap insurance for 19 year olds. The prices are based on a married female driver, comp and collision included, and no discounts are factored in.
The data above shows that a 40-year-old driver could cut expenses by $206 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $310 by using a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, can cut $508 or more just by choosing higher deductibles when buying full coverage. If you make the decision to raise deductibles, it is a good idea to have additional savings on hand to enable you to cover the extra out-of-pocket expense that is associated with using high deductibles.
How to find the cheapest insurance for 19 year olds
Below you’ll find many money-saving suggestions that can help Phoenix drivers get low-cost auto insurance.
- Higher credit ratings may save you money
- Be a safe driver
- Increase your deductibles
- Safe vehicles generally have lower rates
- Accident-free drivers may qualify for discounts
- Comparison shop frequently
The final tip is notably critical, as was stressed in this piece. Rates go up and down frequently, so drivers shouldn’t hesitate to buy from a new company if a cheaper rate is available.
Many consumers stick with the same company and that’s fine, but we do not recommend it if it’s costing you a small fortune. Take a few minutes and shop around to find cheaper auto insurance for 19 year olds in Phoenix.
If you aren’t sure which coverage you need and prefer to get help from a professional when comparing insurance rates for teenage drivers, the insurance agencies listed below can help you make a decision which car insurance policy is best. To find an auto insurance agency closest to you, click the button at the bottom of the list or click here to get price quotes now.
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400
State Farm: Mat Herseth
751 E Union Hills Dr #A9, Phoenix 85024 – 751 E Union Hills Dr #A9, AZ 85024 – (602) 788-6700
Chris Bolton – State Farm Insurance Agent
1630 N 7th St – Phoenix, AZ 85006 – (602) 252-1330