Who Has the Cheapest Auto Insurance for Drivers Under 25 in Phoenix?

One of the many criteria that are used to help calculate the amount you pay each year for auto insurance is where you keep your vehicle in Phoenix. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas areas with less congestion have the gratification of cheaper auto insurance rates.

The illustration below rates the most expensive cities in Arizona for drivers under 25 to buy auto insurance in. Phoenix is ranked at #1 with a yearly premium of $1,255 for coverage, which is approximately $105 monthly.

How much is car insurance in Phoenix?
Rank City Premium Per Year
1 Phoenix $1,255
2 Glendale $1,226
3 Avondale $1,186
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Gilbert $1,154
7 Tempe $1,152
8 Scottsdale $1,151
9 Mesa $1,147
10 Peoria $1,137
11 Chandler $1,126
12 Maricopa $1,107
13 Tucson $1,094
14 Goodyear $1,087
15 Surprise $1,080
16 Casa Grande $1,079
17 Casas Adobes $1,072
18 Catalina Foothills $1,072
19 Oro Valley $1,031
20 Flagstaff $969
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Premium amounts are comparative as zip code location can raise or lower insurance rates greatly.

The type of vehicle needing coverage is probably the largest consideration when shopping around for the lowest-priced car insurance for drivers under 25. Vehicles with high performance features, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models. The next table shows auto insurance prices for a selection of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Phoenix, AZ
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $3,612
Honda CR-V EX-L 2WD $3,667
Toyota Prius $3,952
Jeep Wrangler Sport Islander Package 4WD 2-Dr $3,999
Toyota Tacoma 4WD $4,054
Chevrolet Impala LS $4,232
Chevrolet Malibu LS $4,287
Toyota RAV4 Limited 2WD $4,294
GMC Sierra SLE Regular Cab 2WD $4,287
Chevrolet Equinox LS 2WD $4,297
Volkswagen Jetta LE 4-Dr Sedan $4,287
Chevrolet Silverado LS Extended Cab 4WD $4,292
Ford Explorer Eddie Bauer AWD $4,339
Dodge Grand Caravan Crew $4,347
Hyundai Elantra Blue 4-Dr Sedan $4,461
Honda Odyssey EX-L W/Rear Entertainment $4,517
Toyota Corolla XLE $4,522
Ford Edge Sport AWD $4,517
Toyota Camry SE $4,522
GMC Sierra 2500HD SLE Regular Cab 4WD $4,569
Jeep Grand Cherokee Limited 2WD $4,574
Nissan Rogue SL 2WD $4,621
Ford F-150 Lariat Crew Cab Harley 4WD $4,624
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Above prices assume single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in Phoenix, AZ location which can revise price quotes substantially.

Looking at the numbers, makes and models like the Ford Escape, Honda CR-V, Toyota Prius, Jeep Wrangler, and Toyota Tacoma are going to be some of the most economical vehicles to insure for drivers age 25 and younger. Prices will tend to be more expensive anyway because of the fact that there is more exposure for drivers under 25, but in general those particular vehicles will tend to have the least expensive rates possible.

Get discounts on Phoenix auto insurance rates

Discounts on auto insurance for drivers under 25Insurance providers that sell policies for drivers under 25 may additionally offer premium discounts that can reduce rates by as much as 35% if you meet specific criteria. Larger auto insurance companies and the discounts they provide are:

The information below illustrates the difference between yearly insurance costs with and without discounts. The rates are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, passive restraint, paperless filing, continuous coverage, vehicle safety, and good student discounts applied. When discounts are factored in, theaverage amount saved on auto insurance for drivers under 25 is 18% or $425.

Drive responsibly or pay higher rates

In a perfect world, the best way to receive the most affordable auto insurance prices in Arizona for drivers age 25 and younger is to drive attentively and maintain a clean driving record. The chart below demonstrates how citations and accidents impact auto insurance costs for different age groups. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.

The chart shows that the average cost of a car insurance policy in Arizona per year with a clean driving record and no accidents is $1,209. Receive one speeding ticket and the average cost surges to $1,388, an increase of $179 each year. Next add two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers under 25 increases to an average of $3,005. That’s an increase of $1,796, or $150 per month, just for not being a responsible driver!

The illustration below shows how different deductible levels can increase or decrease insurance costs when searching for cheap insurance for drivers under 25. Data assumes a single male driver, comprehensive and collision coverage, and no discounts are applied.

As shown above, a 50-year-old driver could lower rates by $244 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old example, could lower their rates $808 or more just by using higher deductibles. If you do decide to increase your deductibles, it is important to have enough funds in savings to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

The agencies below are a good start to help you determine which policy is best, as some people prefer to get help from a professional when trying to find the best insurance rates for drivers age 25 and younger. It can be complicated to find the best rates on your own, and getting advice from a licensed agent can bring comfort knowing your policy gives you enough coverage when you need it. To locate a Phoenix auto insurance agent nearest to you, click the link at the bottom or click here to compare prices now.

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How to find budget-friendly insurance for drivers under 25

The list below summarizes some of the recommended thrifty suggestions that can help Phoenix drivers find cheaper auto insurance.

The last tip in the list is notably important, as was pointed out in this write-up. Coverage rates fluctuate constantly, so don’t be hesitant to buy from a new company if a lower-cost policy is available.

Having brand loyalty is commendable, but it’s not a great idea if that devotion results in you overpaying hundreds of dollars year after year. If you have a few minutes, compare rates and find cheaper car insurance for drivers under 25 in Phoenix.