This would be a much shorter article if we could tell you the one auto insurance company that has the cheapest rates in Arizona. It’s not that simple, unfortunately, as there are a whole slew of unknowns like whether you are female or male, if you have ever let your policy lapse, and what physical damage coverage deductibles you want, that all have an effect on the price. This article will discuss the different scenarios that increase car insurance cost and also should give you some help in finding cheaper rates.
The make and model of vehicle driven is a large consideration that determines whether or not you can buy the best car insurance for 19 year olds. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than fast, unsafe models. The list below presents insurance rates for the most budget-friendly vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$4,701|
|Ford Escape XLT 4WD||$4,760|
|Jeep Wrangler Sport 4WD 2-Dr||$4,865|
|Honda Odyssey LX||$5,191|
|Ford Edge SE 2WD||$5,197|
|Ford F-150 STX Super Cab 2WD||$5,191|
|Ford Explorer XLT 4WD||$5,250|
|Volkswagen Jetta 2.0T Station Wagon||$5,474|
|Chevrolet Impala LS||$5,520|
|Honda Civic DX 4-Dr Sedan||$5,527|
|Jeep Grand Cherokee Laredo 2WD||$5,579|
|Chevrolet Equinox LT AWD||$5,585|
|Chevrolet Malibu Hybrid||$5,579|
|Toyota RAV4 Limited 4WD||$5,587|
|Dodge Grand Caravan Crew||$5,638|
|Ford Focus SEL 4-Dr Sedan||$5,845|
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Data based on single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in the specific area where the vehicle is garaged which can increase or decrease insurance rates noticeably.
Based on these rates, makes and models like the Honda CR-V, Ford Escape, Jeep Wrangler, and Toyota Prius are likely to be the most affordable vehicles to insure for teenage drivers. Car insurance rates will tend to be more expensive because of the fact that there is a higher risk for 19 year olds, but generally speaking those particular vehicles will most likely have the best insurance prices available.
Finding budget auto insurance is hard enough, and finding out which companies have the cheapest auto insurance rates for 19 year olds will require a bit more work.
Each insurer has their own process to set policy rates, so first let’s look at the rankings for the overall cheapest auto insurance companies in Arizona. It’s important that you understand Mesa, AZ auto insurance rates are determined by lots of factors that may substantially change the cost of having a policy. Price variation is why it is critical to compare as many rates as possible to find the cheapest car insurance quotes for 19 year olds. Car insurance prices are made up of many factors and change substantially, so the lowest-price company two years ago may now be an over-priced policy.
Best Insurance Companies for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford normally has some of the most affordable car insurance rates in Mesa at around $836 annually. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the best Mesa, AZ car insurance companies.
As the rates illustrate above, if you currently have a policy with USAA and switched to Auto-Owners, you could see an annual savings of roughly $216. Drivers with Progressive may save as much as $221 a year, and GEICO customers might reduce rates by $280 a year.
To find out how your current rates compare, click here or quote prices from the following companies.
Understand that those policy rates are averaged across all types of drivers and the different vehicles they drive and and are not calculated with a specific vehicle garaging location for 19 year olds. So the company that can offer you the best rate may not even be in the top 28 companies shown above. That point stresses why you need to get quotes using your own individual information.
One of the more important components that are looked at to determine car insurance rates is where your residence is. More populated areas likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates get the luxury of paying less.
The illustration below shows the most costly cities in Arizona for 19 year olds to purchase car insurance in. Mesa shows up at #10 with an annual cost of $1,113 for the average policy, which is around $93 monthly.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,185|
|25||Lake Havasu City||$844|
|Find Cheaper Rates Go|
Price information shown is comparative as zip code location can lower or raise rates considerably.
How careless driving impacts Mesa auto insurance rates
The best way to earn good auto insurance prices for teenage drivers is to drive carefully and not get tickets or have accidents. The chart below highlights how traffic violations and accidents increase premium costs for different age groups. The price estimates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of an auto insurance policy in Arizona per year with no accidents and a clean driving record is $1,704. Factor in one speeding ticket and the average cost swells to $1,924, an increase of $220 each year. Then include one accident along with the one speeding ticket and the 12-month cost of auto insurance for 19 year olds jumps again to an average of $2,532. That’s an increase of $828, or $69 per month, just for not paying attention while driving!
The diagram below shows how choosing a deductible can raise or lower insurance prices when getting quotes for cheap insurance for 19 year olds. The data is based on a married male driver, comprehensive and collision coverage, and no discounts are applied.
The chart above illustrates that a 30-year-old driver could cut expenses by $312 a year by changing from a $100 deductible to a $500 deductible, or save $468 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old example, could drop their prices up to $950 every year just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have emergency funds available to enable you to cover the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.
The professional agents shown below can probably help you make a decision which coverages and limits you need, since lots of drivers aren’t clear which coverage they need and would like to get some professional input when trying to find lower insurance rates for teenage drivers. It’s not always simple to find the cheapest rates, so getting advice from a licensed agent can add peace of mind knowing your coverage gives you enough coverage if you have a claim. To locate a Mesa car insurance agency closest to you, click the button below the list or click here to compare prices now.
Donna Kohlhase – State Farm Insurance Agent
6836 E Brown Rd #101 – Mesa, AZ 85207 – (480) 396-2140
Ayala Insurance Service, LLC
830 W Southern Ave #10 – Mesa, AZ 85210 – (480) 844-1555
Jenn Attar – State Farm Insurance Agent
1660 S Alma School Rd #218 – Mesa, AZ 85210 – (480) 345-4206
Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681
Imes Insurance Associates
2045 S Vineyard #152 – Mesa, AZ 85210 – (480) 820-2020
How to find low-cost insurance for 19 year olds
The list below shows many penny-pinching ideas that can help you locate low-cost auto insurance.
- Do not pay for full coverage if not needed
- Increase your credit score
- Save money by insuring your home and auto with the same company
- Vehicles with safetly features generally cost less to insure
- Staying accident-free helps keep rates low
- Compare quotes from other companies often
The last suggestion is extremely necessary, as we pointed out in this write-up. Insurance prices in Mesa go up and down frequently, so don’t be unwilling to switch companies if a better rate can be found.
Loyalty to a specific company is fine, but it’s not a great idea if it’s costing you thousands of dollars over several years. In just a couple of minutes you could compare rates to find cheaper insurance for 19 year olds.