What Insurance is Cheapest for Inexperienced Drivers in Phoenix?

The words “low-priced” and “insurance” really should not be used together, specifically when trying to find the best car insurance rates for inexperienced drivers. In an attempt to save some money, let’s teach you some of the factors that have an effect on insurance rates, and find a way to lower the price of your next policy.

For new drivers, one of the big components that aid in calculating the amount you pay each year for auto insurance is where you live. Cities with larger populations or higher claim trends are more likely to pay higher prices, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The illustration below shows the most expensive places in Arizona for inexperienced drivers to buy an auto insurance policy in. Phoenix is ranked at #1 with an annual rate of $1,231 on average, which is approximately $103 each month.

How much is car insurance in Phoenix?
Rank City Annual Rate
1 Phoenix $1,231
2 Glendale $1,214
3 Avondale $1,210
4 Mesa $1,159
5 Tempe $1,152
6 San Tan Valley $1,150
7 Gilbert $1,142
8 Peoria $1,126
9 Buckeye $1,122
10 Goodyear $1,120
11 Scottsdale $1,117
12 Chandler $1,115
13 Surprise $1,080
14 Casa Grande $1,079
15 Maricopa $1,074
16 Catalina Foothills $1,072
17 Tucson $1,061
18 Casas Adobes $1,050
19 Oro Valley $1,020
20 Yuma $992
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Premium amounts are approximated as the specific zip code location can lower or raise insurance rates noticeably.

Trying to find low-priced auto insurance is not easy, and deciding which companies offer the lowest-priced insurance rates for inexperienced drivers involves even more diligence.

Each insurer has a unique approach to determine premium rates, so we need to take a look at the insurance companies with the overall cheapest rates in Phoenix.

Find Cheaper Car Insurance for Newbies

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Cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $845
2 Safeco $923
3 Auto-Owners $924
4 Travelers $1,108
5 USAA $1,113
6 GEICO $1,142
7 Progressive $1,152
8 Ameriprise Group $1,184
9 CSAA $1,225
10 Allied $1,233
11 Farm Bureau Mutual $1,285
12 Safe Auto $1,297
13 Unitrin $1,343
14 Farmers $1,350
15 State Farm $1,364
16 Titan $1,418
17 American Family $1,435
18 Amica $1,473
19 MetLife $1,521
20 California Casualty $1,568
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The Hartford may have some of the cheapest car insurance rates in Phoenix at around $845 a year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the more affordable Phoenix, AZ insurance companies.

In the rate table above, if you are a customer of Travelers and switched to Safeco, you could see an annual savings of about $185. Insureds with USAA might save as much as $190 a year, and GEICO customers might reduce rates by $219 a year.

Be aware that those policy rates are averages for all drivers and vehicles and do not take into consideration a specific zip code for inexperienced drivers. So the company that fits your situation best may not even be in the list above. That is why you need to get quotes using your own specific driver and vehicle information.

The type of vehicle on the policy is a large consideration that determines the availability of the most affordable car insurance for inexperienced drivers. Vehicles with high performance, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer, lower-performance models. The information below outlines car insurance premiums for a selection of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Phoenix, AZ
Vehicle Insured Estimated Cost for Full Coverage
Toyota Prius $1,794
Ford Escape XLT 2WD $1,858
Ford Focus S 4-Dr Sedan $1,881
Dodge Grand Caravan Hero $1,919
Chevrolet Malibu LS $1,927
Toyota RAV4 Limited 4WD $1,919
Toyota Camry LE $1,927
Ford Fusion S 4-Dr Sedan $1,919
Ford Explorer Eddie Bauer AWD $1,956
Honda CR-V EX 2WD $1,985
Honda Accord LX-P 4-Dr Sedan $1,992
Hyundai Elantra GLS 4-Dr Sedan $2,017
Honda Odyssey EX-L $2,023
Chevrolet Impala LTZ $2,017
Jeep Wrangler Sport 4WD 2-Dr $2,055
Chevrolet Equinox LTZ AWD $2,063
GMC Sierra 2500HD SLE Extended Cab 4WD $2,055
Hyundai Sonata Limited 4-Dr Sedan $2,190
Dodge Ram 3500 Crew Cab SLT 2WD $2,228
Toyota Tacoma 2WD $2,303
Chevrolet Silverado LT Extended Cab 4WD $2,352
Ford F-150 Lariat Crew Cab Platinum 2WD $2,355
GMC Sierra SLT Extended Cab 2WD $2,364
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, homeowner, and safe-driver. Information does not factor in specific Phoenix, AZ garaging location which can alter prices substantially.

By looking at the data, you can expect models like the Toyota Prius, Ford Escape, Ford Focus, Dodge Grand Caravan, and Chevrolet Malibu will be a few of the more affordable vehicles to insure for new drivers.

Insurance companies ranked

Picking the right auto insurance company can be rather challenging considering how many companies are available to choose from in Phoenix. The ranking data shown below can help you pick which companies you want to consider purchasing a policy from.

The rankings below are for major nationwide insurance companies, so companies that focus mainly on Arizona business are not factored into the list. To compare prices from these companies and more, simply click here.

Top 10 Major Auto Insurers in Phoenix Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Top 10 Major Auto Insurers in Phoenix Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

The example below shows how different deductible levels can influence yearly insurance costs when quoting cheap insurance for inexperienced drivers. The rates are based on a married female driver, comprehensive and collision coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could save $322 a year by switching from a $100 deductible up to a $500 deductible, or save $484 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, could possibly save $684 every year by choosing a higher deductible.

When increasing deductibles, it will be important to have enough in a savings account to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

How to get discounts on Phoenix auto insurance

Cheaper Phoenix, AZ insurance for new driversInsurance providers that provide coverage for inexperienced drivers may also give you discounts that can reduce rates by as much as 25% or more if you can meet the requirements. A few popular companies and some of the premium reductions they offer can be read below.

The illustration below visualizes the comparison of insurance prices with and without discounts applied to the policy premium. 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 the average annual price with no discounts. The second bar shows the rates with homeowner, multiple policy, accident-free, anti-theft, claim-free, and multiple vehicle discounts applied. When these discounts are applied, the average amount saved each year on insurance for inexperienced drivers is 28% or $564.