One of the more important criteria that are looked at to help calculate the amount you pay each year for auto insurance is your zip code. More densely populated places likely pay more, whereas areas with less crime or weather claims receive better rates.
The next table rates the most expensive places in Arizona for 17 year olds to purchase a policy in. Phoenix ranks #1 with an annual premium of $1,268 for coverage, which is around $106 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,210 |
| 4 | Scottsdale | $1,163 |
| 5 | Tempe | $1,152 |
| 6 | San Tan Valley | $1,150 |
| 7 | Mesa | $1,147 |
| 8 | Gilbert | $1,120 |
| 9 | Maricopa | $1,118 |
| 10 | Buckeye | $1,110 |
| 11 | Tucson | $1,105 |
| 12 | Peoria | $1,104 |
| 13 | Goodyear | $1,098 |
| 14 | Chandler | $1,093 |
| 15 | Surprise | $1,090 |
| 16 | Catalina Foothills | $1,082 |
| 17 | Casas Adobes | $1,072 |
| 18 | Casa Grande | $1,057 |
| 19 | Oro Valley | $1,051 |
| 20 | Yuma | $963 |
| 21 | Prescott | $952 |
| 22 | Flagstaff | $931 |
| 23 | Lake Havasu City | $878 |
| 24 | Bullhead City | $869 |
| 25 | Sierra Vista | $863 |
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Price information shown is approximated as the specific Phoenix residence address can revise insurance rates substantially.
Establishing which company offers the best auto insurance rates for 17 year olds will take a little more work in order to find the best policy. Every car insurance company has a proprietary method for determining rates in each state, so let’s look at the rankings for the auto insurance companies that tend to be cheaper in Arizona.
It’s important that you understand Arizona auto insurance rates are calculated based on many things that can increase the policy price. Simply getting older, having a claim, or getting a driving violation may prompt premium changes that can cause some rates to be more affordable than competitors.
Find the Cheapest Auto Insurance for Teens
The Hartford normally has some of the most affordable car insurance rates in Phoenix at around $845 per year. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheaper Phoenix, AZ car insurance companies.
As depicted above, if you currently have a policy with USAA and switched to The Hartford, you could earn an annual savings of about $235. Drivers with Travelers may save as much as $241 a year, and Progressive insureds might reduce prices by as much as $285 a year.
To see how much you can save, click here to begin a quote or click through to the companies below.
Be aware that those premiums are averages across all drivers and vehicles in Arizona and and are not figured with an exact zip code location for 17 year olds. So the company that has the cheapest price for you may not even be in the top 28 companies shown above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.
Types of discounts on Phoenix car insurance rates
Insurance companies that offer coverage for 17 year olds may also provide price discounts that could reduce prices by 35% or more if you qualify for them. A few of the larger companies and some of the premium reductions they offer are:
- GEICO has discounts for seat belt use, emergency military deployment, multi-policy, membership and employees, and driver training.
- Auto-Owners Insurance discounts include multi-policy, multiple vehicles, mature driver, paid in full, good student, and anti-theft.
- American Family offers discounts for accident-free, bundled insurance, TimeAway discount, mySafetyValet, Steer into Savings, and defensive driver.
- Esurance may offer discounts for Switch & Save, good student, defensive driver, anti-theft, multi-car, online quote, and DriveSense.
- Progressive includes discounts for online quote discount, continuous coverage, homeowner, good student, online signing, and multi-policy.
- State Farm has savings for accident-free, anti-theft, safe vehicle, passive restraint, defensive driving training, student away at school, and driver’s education.
- AAA may include discounts for multi-car, education and occupation, multi-policy, anti-theft, good driver, and good student.
The illustration below visualizes the comparison of car insurance rates with and without discounts applied to the rates. The rate quotes are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, accident-free, vehicle safety, safe-driver, claim-free, and multiple vehicle discounts applied. When discounts are applied, theaverage amount saved on auto insurance for 17 year olds is 28% or $429.
Phoenix auto insurance companies ranked
Selecting a high-quality car insurance provider can be difficult considering how many companies sell coverage in Phoenix. The company information in the next section can help you analyze which car insurance providers to look at when shopping your coverage around. These ratings only include companies with a national presence, so companies without a large exposure are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
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Data Source: Insure.com Best Car Insurance Companies
Impact of careless driving on auto insurance rates
The easiest way to earn low auto insurance premiums for teen drivers is to be an attentive driver and not get tickets or have accidents. The information below demonstrates how traffic citations and at-fault claims can increase yearly insurance costs for different age groups. The costs are based on a married male driver, full coverage, $100 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of auto insurance per year with no accidents and a clean driving record is $1,963. Get two speeding tickets and the average cost jumps to $2,719, an increase of $756 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for 17 year olds jumps again to an average of $5,425. That’s an increase of $3,462, or $289 per month, just for not being a responsible driver!