Finding good, low-priced insurance is not the easiest thing to accomplish, and deciding which company offers the cheapest car insurance rates for high school students involves even more rate comparisons. Each company uses different criteria for determining rates, so to begin we’ll rank the car insurance companies with the overall cheapest rates in Arizona.
We do need to point out that Phoenix, AZ car insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Simply improving your credit, buying a safer car, or having a fender bender can produce rate changes that can now make some companies more expensive than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $905 |
| 4 | USAA | $1,080 |
| 5 | Progressive | $1,118 |
| 6 | Travelers | $1,119 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,336 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,506 |
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The Hartford may offer some of the cheapest car insurance rates in Phoenix at around $811 each year. Auto-Owners, Safeco, USAA, and Progressive also rank well as some of the best Phoenix, AZ car insurance companies.
As shown in the table above, if you currently have a policy with USAA and switched to Auto-Owners, you might achieve an annual savings of in the neighborhood of $183. Insureds with Progressive might save as much as $221 a year, and Travelers customers might see rate reductions of $222 a year.
To discover how much you can save, click here to start your custom quote or click through to the companies below.
Be aware that those prices are averaged for all types of insureds and vehicles and and are not calculated with an exact location for high school students. So the insurer that fits you best may not even be in the list above. That illustrates why you need to get car insurance quotes using your own specific driver and vehicle information.
For teenagers, one of the big considerations that aid in calculating the price you pay for insurance is where your residence is. Larger areas tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The information below sorts the most expensive areas in Arizona for high school students to purchase a policy in. Phoenix is ranked #1 with the yearly price of $1,255 for car insurance, which is around $105 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,196 |
| 5 | Buckeye | $1,156 |
| 6 | Gilbert | $1,142 |
| 7 | Mesa | $1,125 |
| 8 | Goodyear | $1,120 |
| 9 | Scottsdale | $1,117 |
| 10 | Tempe | $1,106 |
| 11 | Peoria | $1,093 |
| 12 | Surprise | $1,090 |
| 13 | Casas Adobes | $1,082 |
| 14 | Chandler | $1,082 |
| 15 | Maricopa | $1,074 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Tucson | $1,072 |
| 18 | Oro Valley | $1,062 |
| 19 | Casa Grande | $1,057 |
| 20 | Yuma | $992 |
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Premium amounts are comparative as the specific Phoenix residence address can lower or raise prices noticeably.
The car, truck, or SUV to be insured is one of the main factors when looking for affordable car insurance for high school students. Vehicles with average performance, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than high performance models.
The information below outlines coverage rates for a selection of the more affordable vehicles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 2WD | $6,068 |
| Honda Accord LX 4-Dr Sedan | $6,078 |
| Honda CR-V EX 4WD | $6,121 |
| Hyundai Elantra SE Touring Station Wagon | $6,491 |
| Toyota Prius | $6,548 |
| Ford Explorer XLT AWD | $6,828 |
| Ford F-150 FX2 Super Cab 2WD | $6,833 |
| Volkswagen Jetta SE 2.5 Station Wagon | $6,915 |
| Toyota Tacoma 2WD | $7,145 |
| Ford Edge SEL 2WD | $7,152 |
| Honda Civic DX 4-Dr Sedan | $7,145 |
| Toyota RAV4 Limited 4WD | $7,198 |
| Jeep Grand Cherokee Laredo 2WD | $7,206 |
| Chevrolet Malibu LS | $7,198 |
| GMC Sierra SLE Crew Cab 2WD | $7,204 |
| Dodge Grand Caravan Crew | $7,254 |
| Chevrolet Impala LTZ | $7,565 |
| Honda Odyssey EX-L | $7,570 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $7,622 |
| Chevrolet Equinox LTZ 2WD | $7,629 |
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Table data represents single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Information does not factor in zip code location which can affect insurance rates greatly.
Looking at the rates, you can conclude that cars like the Ford Escape, Honda Accord, Honda CR-V, and Hyundai Elantra will be the less-costly vehicles to insure for teenagers. The cost of auto insurance will tend to be more expensive anyway because there is more risk for high school students, but in general those models will have the best rates compared to other vehicles.
Cost of full coverage in Phoenix
Finding the cheapest car insurance should be important to most drivers, and one common way to save on the cost of insurance for high school students is to not insure for full coverage. The information below shows the comparison of car insurance costs when comparing full coverage to liability only. The prices are based on no claims or driving violations, $250 deductibles, single status, and no discounts are applied to the premium.
If averaged for all ages, physical damage coverage on your policy costs $2,107 per year more than insuring for liability only. Many of you may wonder when is the right time to remove full coverage. There is no definitive guideline to drop full coverage on your policy, but there is a guideline you can use. If the yearly cost for physical damage coverage is 10% or more of the vehicle’s replacement cost less your deductible, then it may be the right time to buy liability only.
There are some cases where removing full coverage is not advised. If you still have a lienholder on your title, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not consider dropping full coverage.
The diagram below illustrates how choosing a deductible can change yearly insurance costs when getting quotes for cheap insurance for high school students. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could pocket $236 a year by switching from a $100 deductible to a $500 deductible, or save $358 by selecting a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could roll back prices $602 every year by choosing a higher deductible.
When choosing a higher deductible, it will now be necessary to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Discount Phoenix car insurance rates
Car insurance companies that provide coverage for high school students may also give you premium discounts that can reduce rates by 30% or more if you qualify for them. A few popular companies and a partial list of their discounts can be read below.
- State Farm offers premium reductions for safe vehicle, passive restraint, multiple policy, Steer Clear safe driver discount, good driver, and defensive driving training.
- American Family policyholders can earn discounts including air bags, accident-free, good student, mySafetyValet, good driver, defensive driver, and early bird.
- AAA offers discounts including good student, pay-in-full, multi-car, education and occupation, AAA membership discount, and anti-theft.
- GEICO may have discounts that include driver training, multi-policy, membership and employees, military active duty, anti-theft, air bags, and emergency military deployment.
- Mercury Insurance has discounts for good student, multi-policy, accident-free, annual mileage, professional/association, and age of vehicle.
- Farmers Insurance discounts include alternative fuel, business and professional, electronic funds transfer, multi-car, and youthful driver.
- Progressive has savings for homeowner, continuous coverage, multi-vehicle, multi-policy, and online quote discount.
The illustration below shows the comparison of car insurance costs with and without discounts. The data is based on a female driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with continuous coverage, good student, vehicle safety, passive restraint, anti-theft, and paid-in-full discounts applied. When taking advantage of discounts, theamount saved on car insurance for high school students is 28% or $576.
The agencies below can probably provide answers to your questions and help you determine which car insurance company is the best fit, as lots of drivers aren’t clear which coverage they need and would like to get help from a professional when comparing insurance rates for teenagers. It can be hard to find the best coverage on your own, and a licensed agent can give satisfaction knowing your policy gives you suitable coverage if you have an accident.
To find a Phoenix insurance agency by location nearest to you, click the link at the bottom.
Daniels Nicolson Insurance Agency, Inc
4411 N 19th Ave – Phoenix, AZ 85015 – (800) 972-1893
Jim Nork – State Farm Insurance Agent
1600 W Camelback Rd #1a – Phoenix, AZ 85015 – (602) 222-9400
American Family Insurance – Luke Shafer
1717 E Bell Rd #7 – Phoenix, AZ 85022 – (602) 788-5359
American Family Insurance – Jennifer Swenson
4731 N Central Ave – Phoenix, AZ 85012 – (602) 995-9334
Llyrena Sherwood – State Farm Insurance Agent
3415 W Glendale Ave #7 – Phoenix, AZ 85051 – (602) 368-9102
More insurance agents in Phoenix, AZ
How to find the cheapest car insurance for high school students
The list below shows some thrifty solutions that can help you get more affordable car insurance.
- Save money by obeying traffic laws and keeping a clean driving record
- Good credit can help you save money
- Buy vehicles with five-star safety ratings
- Raise deductibles
- Remain accident-free and save
- Compare rates and switch if you can find a better deal
The last idea is especially important, as we emphasized in this write-up. Auto insurance rates fluctuate constantly, so don’t be tentative to switch companies if a cheaper price is available. Having a favorite company is great, but it’s not recommended if that loyalty results in overpaying lots of money. Take a couple minutes and compare rates to find cheaper car insurance for high school students in Phoenix.