The words “cheap” and “auto insurance” really shouldn’t be used in the same sentence, specifically when trying to find the lowest insurance prices for a school permit. In an attempt to save some money, let’s go over a few of the things that determine insurance premiums, and find some ways to take the sting out of your next policy.
For a learners permit, one of the big things that determine car insurance rates is where you normally keep your vehicle in Phoenix. Areas with increased crime or more people tend to pay more, whereas less populated areas tend to receive slightly lower rates.
The next table rates the most costly cities in Arizona for a school permit to purchase car insurance in. Phoenix shows up at #1 with an annual premium of $1,268 for coverage, which is about $106 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Avondale | $1,222 |
| 3 | San Tan Valley | $1,196 |
| 4 | Glendale | $1,190 |
| 5 | Gilbert | $1,154 |
| 6 | Mesa | $1,147 |
| 7 | Buckeye | $1,144 |
| 8 | Peoria | $1,137 |
| 9 | Scottsdale | $1,129 |
| 10 | Tempe | $1,106 |
| 11 | Tucson | $1,105 |
| 12 | Chandler | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Maricopa | $1,085 |
| 15 | Oro Valley | $1,062 |
| 16 | Casas Adobes | $1,050 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $869 |
| 25 | Lake Havasu City | $852 |
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Price information shown is estimated as zip code location can impact insurance rates significantly.
Determining which companies quote the cheapest auto insurance rates for a school permit involves more time than just getting one or two price quotes.
Every insurance provider has their own guidelines to set policy rates, so to begin we’ll rank the auto insurance companies with the most affordable rates in Phoenix.
Best Car Insurance Prices for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,208 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,443 |
| 18 | Titan | $1,461 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,521 |
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The Hartford offers some of the most affordable car insurance rates in Phoenix at around $811 per year. This is $617 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the cheapest Phoenix, AZ car insurance companies.
In this example, if you currently have coverage with Safeco and switched to The Hartford, you might achieve yearly savings of upwards of $94. Arizona drivers with Auto-Owners may save as much as $113 a year, and USAA policyholders might see rate reductions of $269 a year.
Remember that these policy prices are averages for all drivers and vehicles and do not take into consideration an exact zip code location for a school permit. So the car insurance company that fits your age and vehicle best may not even be in the top 28 companies shown above. That’s why you need to compare rates from multiple companies using your own driver data and vehicle information.
The illustration below illustrates how choosing a deductible can increase or decrease insurance rates when getting quotes for cheap insurance for a school permit. The premiums assume a single male driver, full physical damage coverage, and no discounts are factored in.
A 40-year-old driver could pocket $296 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $446 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old, could possibly save as much as $972 every year by selecting a higher deductible.
If you do make the decision to raise your deductibles, it is necessary to have spare funds to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Selecting the top insurance provider can be difficult considering how many companies sell coverage in Phoenix. The ranking data below can help you decide which auto insurers you want to consider when trying to find the cheapest insurance for a school permit.
These ratings are for the largest auto insurers in America, so companies that focus mainly on Arizona business are not taken into consideration for these rankings. If you wish to compare rates and find cheaper insurance for a school permit, simply click here.
Top 10 Large Auto Insurers Overall in Phoenix
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Large Auto Insurers in Phoenix Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Reckless driving habits raise auto insurance rates
One of the best ways to obtain good auto insurance premiums in Phoenix for a learners permit is to be a careful driver and not get tickets or have accidents. The information below demonstrates how speeding tickets and at-fault accidents can increase auto insurance rates for each different age category. The costs are based on a married female driver, full coverage, $100 deductibles, and no discounts are applied.
The data above shows the average cost of auto insurance in Arizona per year with no violations or accidents is $1,330. Receive one speeding ticket and the average cost increases to $1,544, an increase of $215 each year. Then include one accident along with the one speeding ticket and the yearly cost of auto insurance for a school permit goes up to an average of $2,155. That’s an increase of $825, or $69 per month, just for being a little careless behind the wheel!
How to find cheaper car insurance for a school permit
The list below shows some of the better thrifty solutions that can help Phoenix drivers find lower-cost coverage.
- Vehicles with good safety ratings are usually cheaper to insure
- Pay less by remaining claim-free
- Prevent price hikes by avoiding at-fault accidents
- Tickets and violations raise rates
- Clean up your credit
- Shop around and save
The last suggestion is extraordinarily valuable, as was discussed in this write-up. Prices fluctuate constantly, so you should be ready to switch carriers if a lower price can be found. Sticking with a specific company is fine, but is isn’t recommended if that stubbornness costs you money that could be going to better use. It only takes a couple minutes to compare rates to find cheaper car insurance for a school permit in Phoenix.
If you would rather get some professional input when comparing insurance rates for a learners permit, the professional agents shown below can answer your questions and help you decide which coverage fits your budget.
To find a Phoenix insurance agency close to you, click the button after the list or click here to get price quotes now.
- Andra Jeffress – State Farm Insurance Agent
1704 W Bethany Home Rd – Phoenix, AZ 85015 – (602) 249-1037 - MiniCo Insurance Agency, LLC
10851 N Black Canyon Hwy #200 – Phoenix, AZ 85029 – (800) 528-1056 - Fasula Kaplan Insurance Agency
11022 N 28th Dr Suite 125 – Phoenix, AZ 85029 – (602) 564-0880