Finding good, low-cost auto insurance is not easy, and determining which company quotes the lowest-priced auto insurance rates for 18 year olds may require a little more work. Every auto insurer uses different criteria for determining rates in each state, so first let’s look at the rankings for the most affordable auto insurance companies in Mesa.
Keep in mind that Mesa, AZ auto insurance rates are impacted by many factors that can increase the price you have to pay. This price fluctuation is why it is important to shop around when trying to get the lowest auto insurance quotes for 18 year olds. Rates are determined by many factors and change frequently, so the cheapest rate six months ago may now be costing you a lot of money.
Cheapest Insurance Rates for Teens
The Hartford normally has some of the most affordable car insurance rates in Mesa at around $836 each year. Safeco, Auto-Owners, USAA, and Travelers would also make the list of some of the more affordable Mesa, AZ car insurance companies.
In the rate table above, if you have coverage with USAA and switched to Safeco, you could earn a yearly savings of about $208. Policyholders with Travelers might save as much as $214 a year, and Progressive insureds might lower prices by $259 a year.
To see if your current coverage is too expensive, click here to get quotes or quote prices from the following companies.
It’s important to note that these estimates are averages for all drivers and vehicles in Arizona and and are not figured with a specific zip code for 18 year olds. So the car insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
For teen drivers, one of the largest considerations that are looked at to determine the annual cost of car insurance is where you keep your vehicle in Mesa. Areas with more people or more claims will most likely pay more, whereas areas with less congestion have the benefit of cheaper car insurance.
The following table sorts the highest-priced places in Arizona for 18 year olds to purchase car insurance in. Mesa ranks #8 with the yearly price of $1,113 for the average policyholder, which is around $93 monthly.
|3||San Tan Valley||$1,196|
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Information shown are comparative as the specific geographic location can affect insurance rates significantly.
The vehicle on the policy is one of the primary factors when trying to find the most economical insurance for 18 year olds. Vehicles with lots of horsepower, poor crash test ratings, or high incidents of liability claims will cost much more to insure than safer models.
The information below shows coverage premiums for a number of the most affordable vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$5,209|
|Honda CR-V EX 2WD||$5,216|
|Volkswagen Jetta S 2.5 Station Wagon||$5,614|
|Honda Accord EX-L 4-Dr Sedan||$5,623|
|Jeep Wrangler Rubicon 4WD 2-Dr||$5,836|
|Honda Civic DX 4-Dr Sedan||$6,124|
|Chevrolet Impala LS||$6,131|
|Chevrolet Silverado LS Extended Cab 4WD||$6,182|
|Toyota RAV4 Limited 4WD||$6,187|
|Ford Explorer Limited 4WD||$6,243|
|Dodge Grand Caravan SXT||$6,251|
|Hyundai Elantra Blue 4-Dr Sedan||$6,473|
|Ford Edge Sport 2WD||$6,531|
|Toyota Tacoma X-Runner 2WD||$6,537|
|Toyota Corolla XLE||$6,531|
|Nissan Altima Hybrid 4-Dr Sedan||$6,593|
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Cost estimates assume single male driver age 18, 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 vehicle garaging location which can increase or decrease premium rates greatly.
Looking at the data, we can infer that makes and models like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Honda Accord are a few of the cheapest vehicles to insure for teen drivers. The cost of a car insurance policy will tend to be more expensive because there is more exposure for 18 year olds, but in general those particular models will most likely have the best insurance prices compared to all other vehicles.
Mesa auto insurance company ratings
Ending up with a high-quality auto insurance company can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking data displayed below could help you pick which providers you want to consider when comparing insurance rates for 18 year olds. The ratings below only include the largest companies in America, so companies that only write business in Arizona or surrounding areas are not factored into these rankings.
Top 10 Large Auto Insurance Providers in Mesa Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Auto Insurance Providers in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Irresponsible driving raises your rates
The recommended way to maintain good auto insurance rates for teen drivers is to drive cautiously and not get tickets or have accidents. The information below illustrates how traffic citations and fender-benders can influence insurance costs for each age group. The data is based on a single female driver, comprehensive and collision coverage, $500 deductibles, and no other discounts are factored in.
In the previous chart, the average cost of auto insurance in Mesa per year with no accidents and a clean driving record is $1,350. Receive two speeding tickets and the average cost rises to $1,803, an increase of $453 each year. Then add two accidents along with the two speeding tickets and the annual cost of auto insurance for 18 year olds jumps again to an average of $3,570. That’s an increase of $2,220, or $185 per month, just for not being more responsible behind the wheel!
How to get discounts on Mesa auto insurance rates
Insurers that offer cheap quotes for 18 year olds may provide policy discounts that could lower prices by 40% or more if you meet eligibility requirements. A few popular companies and a partial list of their discounts can be read below.
- Farmers Insurance discounts include good student, switch companies, early shopping, electronic funds transfer, multi-car, business and professional, and bundle discounts.
- Esurance offers discounts for Switch & Save, safety device, homeowner, emergency road assistance, online quote, defensive driver, and anti-theft.
- State Farm has savings for Steer Clear safe driver discount, multiple policy, multiple autos, safe vehicle, good driver, and defensive driving training.
- GEICO has discounts for federal employee, daytime running lights, membership and employees, five-year accident-free, anti-lock brakes, anti-theft, and air bags.
- Allstate may have discounts that include senior citizen, EZ pay plan discount, utility vehicle, auto/life discount, and anti-lock brakes.
The chart below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The information is based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with good student, anti-theft, vehicle safety, paid-in-full, continuous coverage, and paperless filing discounts applied. When taking advantage of discounts, the average savings per year on auto insurance for 18 year olds is 28% or $544.