The vehicle model you are buying coverage for is a large consideration that determines if you can find economical car insurance for 20 year old guys. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than higher performance models. The data below showcases auto insurance rates for a number of the more affordable vehicles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $4,249 |
| Hyundai Elantra GLS Touring Station Wagon | $4,255 |
| Ford Escape XLT 4WD | $4,312 |
| Toyota Prius | $4,690 |
| Dodge Grand Caravan CV | $4,728 |
| Ford Edge SEL AWD | $4,979 |
| Chevrolet Impala LS | $4,986 |
| Volkswagen Jetta S 4-Dr Sedan | $5,042 |
| GMC Sierra SLE Crew Cab 2WD | $5,051 |
| Chevrolet Equinox LT AWD | $5,042 |
| Toyota RAV4 2WD | $5,047 |
| Toyota Camry LE | $5,042 |
| Ford Explorer Limited AWD | $5,106 |
| Toyota Tacoma Double Cab 4WD | $5,116 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $5,106 |
| Ford Focus SES 4-Dr Sedan | $5,296 |
| Honda Civic LX-S 4-Dr Sedan | $5,302 |
| Toyota Corolla LE | $5,360 |
| Honda Odyssey EX-L W/Navigation | $5,370 |
| Chevrolet Silverado LT Regular Cab | $5,403 |
| Kia Optima LX | $5,409 |
| Jeep Grand Cherokee Limited 4WD | $5,423 |
| Chevrolet Malibu LTZ | $5,431 |
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Table data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in Phoenix, AZ location which can lower or raise auto insurance rates noticeably.
By looking at the data, vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape are going to be a few of the more affordable vehicles to insure for young men. Rates will be more expensive because of the fact that there is more liability risk for 20 year old guys, but overall those particular models will probably have the cheapest car insurance rates compared to other vehicles.
One of the many components that are used to help calculate the amount you pay for auto insurance is where your car is garaged in Phoenix. Areas with more people or more claims are more likely to pay higher prices, whereas more rural areas have the luxury of lower rates.
The next table sorts the most expensive places in Arizona for 20 year old guys to buy car insurance in. Phoenix is listed at #1 with the annual price of $1,255 for the average insurance policy, which is about $105 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Gilbert | $1,142 |
| 6 | Peoria | $1,137 |
| 7 | Mesa | $1,125 |
| 8 | Buckeye | $1,122 |
| 9 | Goodyear | $1,120 |
| 10 | Maricopa | $1,118 |
| 11 | Tempe | $1,118 |
| 12 | Scottsdale | $1,117 |
| 13 | Casas Adobes | $1,082 |
| 14 | Chandler | $1,082 |
| 15 | Casa Grande | $1,079 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Tucson | $1,061 |
| 19 | Surprise | $1,048 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $969 |
| 22 | Prescott | $914 |
| 23 | Sierra Vista | $899 |
| 24 | Lake Havasu City | $870 |
| 25 | Bullhead City | $869 |
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Annual rates are estimated as the specific area where the vehicle is garaged can revise premiums greatly.
Phoenix auto insurance companies
Buying coverage from a highly-rated insurance provider can be challenging considering how many choices you have in Phoenix. The company ratings in the lists below can help you choose which auto insurance companies you want to consider when comparing auto insurance rates for 20 year old guys.
The rankings below only include the largest auto insurers in America, so smaller companies are not taken into consideration for this list. To compare prices from these top-rated insurers and more, follow this link.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Violations and accidents raise rates
One of the best ways to enjoy the most affordable auto insurance rates in Arizona for young men is to be a good driver and not receive tickets or have accidents. The example below demonstrates how traffic citations and at-fault accidents can impact insurance costs for different age groups of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.
In the previous chart, the average cost of car insurance in Phoenix per year with no violations or accidents is $1,209. Get written up for two speeding tickets and the average cost hikes up to $1,661, an increase of $452 each year. Now include one accident along with the two speeding tickets and the yearly cost of auto insurance for 20 year old guys increases to an average of $2,116. That’s an increase of $907, or $76 per month, just for not being attentive to the road!
How to find economical car insurance for 20 year old guys
Lowering your rates is not difficult, and here are some money-saving ideas that can help Phoenix drivers buy low-cost auto insurance.
- Prevent rate increases by staying accident-free
- Increase the comprehensive and collision deductibles on your policy
- Do not pay for comprehensive and collision coverage on older vehicles
- Do not get traffic tickets
- Frequent claims will increase rates
- Compare rates regularly and switch companies to save money
That last piece of advice is incredibly vital, as was stressed in the article above. Insurance prices fluctuate constantly, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available.
Staying with the same company for years is fine, but it’s not a good idea if your bullheadedness ends up costing you a lot of money every month. In just a few minutes you could shop around and find cheaper car insurance for 20 year old guys in Phoenix.