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.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,161|
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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.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$3,612|
|Honda CR-V EX-L 2WD||$3,667|
|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
Insurance 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:
- American Family offers discounts for good student, air bags, TimeAway discount, multi-vehicle, bundled insurance, and accident-free.
- Farm Bureau may include discounts for driver training, safe driver, 55 and retired, good student, multi-policy, youthful driver, and renewal discount.
- State Farm offers discounts including safe vehicle, driver’s education, good driver, student away at school, multiple policy, and accident-free.
- Travelers has savings for home ownership, new car, good student, early quote, multi-policy, payment discounts, and hybrid/electric vehicle.
- The Hartford may have discounts that include anti-theft, good student, driver training, bundle, vehicle fuel type, and air bag.
- GEICO includes discounts for air bags, anti-lock brakes, federal employee, multi-policy, driver training, and seat belt use.
- Progressive may offer discounts for multi-vehicle, good student, online signing, homeowner, online quote discount, continuous coverage, and multi-policy.
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.
- Brian Stevens – State Farm Insurance Agent
21043 N Cave Creek Rd A12 – Phoenix, AZ 85024 – (602) 569-6600
- Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893
- Farmer-Leavitt Insurance Agency
919 N 1st St – Phoenix, AZ 85004 – (602) 264-0566
- MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056
- Lula Smith – State Farm Insurance Agent
7217 S Central Ave – Phoenix, AZ 85042 – (602) 232-0793
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.
- Raise deductibles to save money
- Save money by insuring older vehicles for liability only
- Speeding tickets and other violations increase rates
- Drive attentively and avoid accidents
- Clean up your credit rating
- Safer vehicles cost less to insure
- Check for cheaper rates once a year
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.