Deciding which insurers offer the best car insurance rates for a learners permit may require a tad more effort than just picking a company at random. Each insurance company has a proprietary formula to set policy rates, so we will examine the lowest cost car insurance companies in Phoenix.
Best Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,113 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Safe Auto | $1,336 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,377 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
| Find Your Rate Go | ||
The Hartford normally has some of the lowest car insurance rates in Phoenix at around $845 each year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also make the cut as some of the cheapest Phoenix, AZ car insurance companies.
In the above rates, if you have coverage with Safeco and switched to The Hartford, you may see a yearly price reduction of roughly $51. Insureds with Auto-Owners might save as much as $79 a year, and USAA insureds might reduce prices by as much as $268 a year.
Be aware that those estimates are averages for all types of drivers and the different vehicles they drive and are not factoring in an exact location for a learners permit. So the auto insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That points out the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
For new drivers, one of the more important considerations that help determine insurance cost is where you choose to live. More populated areas tend to pay slightly more, whereas less populated areas get the luxury of paying less.
The illustration below ranks the most expensive places in Arizona for a learners permit to buy auto insurance in. Phoenix ranks #1 having an annual price of $1,231 on average, which is around $103 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | San Tan Valley | $1,161 |
| 5 | Buckeye | $1,156 |
| 6 | Scottsdale | $1,151 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Chandler | $1,126 |
| 10 | Mesa | $1,125 |
| 11 | Peoria | $1,104 |
| 12 | Goodyear | $1,098 |
| 13 | Tucson | $1,094 |
| 14 | Surprise | $1,080 |
| 15 | Maricopa | $1,074 |
| 16 | Casas Adobes | $1,072 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $960 |
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Information shown are estimated as specific Phoenix garaging address can affect auto insurance rates significantly.
The type of vehicle on the policy is one of the biggest factors that determines the availability of the lowest-priced auto insurance for a learners permit. Vehicles with high performance, poor passenger safety features, or a history of substantial liability claims will cost substantially more to insure than safer, lower-performance models.
The table below estimates auto insurance prices for the most budget-friendly automobiles to buy coverage for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $6,100 |
| Honda CR-V EX 2WD | $6,105 |
| Ford Escape XLS 4WD | $6,100 |
| Jeep Wrangler Sport 4WD 2-Dr | $6,406 |
| Toyota Prius | $6,604 |
| Ford F-150 XL Super Cab 2WD | $6,791 |
| Dodge Grand Caravan CV | $6,849 |
| Ford Focus S 4-Dr Sedan | $7,176 |
| Chevrolet Impala LS | $7,186 |
| Ford Edge Limited 2WD | $7,176 |
| Chevrolet Equinox LT AWD | $7,234 |
| Toyota RAV4 Limited 4WD | $7,242 |
| Volkswagen Jetta LE 4-Dr Sedan | $7,234 |
| GMC Sierra SLE Crew Cab 2WD | $7,244 |
| Jeep Grand Cherokee Laredo 4WD | $7,234 |
| Ford Explorer Eddie Bauer AWD | $7,296 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $7,304 |
| Compare Cheap Rates Go | |
Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific location which can influence rates noticeably.
Looking at the numbers, cars like the Honda Accord, Honda CR-V, Ford Escape, Jeep Wrangler, and Toyota Prius are most likely going to be a few of the most budget-friendly vehicles to insure for new drivers. Car insurance rates will tend to be more expensive just because there is more liability exposure for a learners permit, but in general those models will tend to have the cheapest car insurance rates compared to other types of vehicles.
Ratings for Arizona car insurance companies
Finding the best auto insurance company can be rather challenging considering how many different companies there are to choose from in Phoenix. The company ratings displayed below could help you decide which auto insurance companies you want to consider shopping prices with.
The rankings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list. If you’d like to compare prices from these companies and more, click here.
Top 10 Large Auto Insurance Providers in Phoenix Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Large Auto Insurance Providers Overall in Phoenix
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Get discounts on Phoenix auto insurance
Auto insurance companies that provide policies for a learners permit may have premium discounts that can lower rates by as much as 30% if you are eligible. A few of the larger companies and a partial list of their discounts are detailed below.
- GEICO may offer discounts for federal employee, air bags, multi-policy, military active duty, and driver training.
- Travelers policyholders can earn discounts including driver training, new car, IntelliDrive, student away at school, and early quote.
- Nationwide offers discounts including Farm Bureau membership, business or organization, defensive driving, multi-policy, and easy pay.
- Farmers Insurance has savings for electronic funds transfer, youthful driver, good student, mature driver, and teen driver.
- Esurance offers discounts for multi-policy, anti-theft, good student, DriveSense, renters, and safety device.
- State Farm may have discounts that include multiple policy, good student, driver’s education, safe vehicle, good driver, passive restraint, and Drive Safe & Save.
- Progressive includes discounts for homeowner, multi-vehicle, multi-policy, online signing, and good student.
- Mercury Insurance has discounts for good driver, annual mileage, multi-policy, accident-free, low natural disaster claims, professional/association, and age of vehicle.
The chart below illustrates the comparison of insurance costs with and without some available policy discounts. The costs are based on a female driver, no violations or claims, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, continuous coverage, paperless filing, good student, and paid-in-full discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a learners permit is 28% or $425.
The diagram below highlights how deductible selection can influence yearly insurance costs when researching cheap insurance for a learners permit. The prices are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.
The chart above illustrates that a 40-year-old driver could save $276 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $416 by choosing a $1,000 deductible. Even younger drivers, like the Age 20 chart data, could potentially save $684 every year by choosing a higher deductible. If you do raise deductibles, it’s a good idea to have additional funds in a savings account to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.