For teen drivers, one of the more important components that determine the annual cost of car insurance is where you keep your car. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas more rural areas have the luxury of lower rates.
The following table sorts the most expensive places in Arizona for 17 year olds to purchase auto insurance in. Mesa ranks #6 with an annual cost of $1,159 for the average policy, which is approximately $97 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Avondale | $1,222 |
| 3 | Phoenix | $1,218 |
| 4 | San Tan Valley | $1,185 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,159 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Buckeye | $1,110 |
| 10 | Peoria | $1,104 |
| 11 | Chandler | $1,093 |
| 12 | Surprise | $1,090 |
| 13 | Casa Grande | $1,089 |
| 14 | Goodyear | $1,087 |
| 15 | Maricopa | $1,085 |
| 16 | Casas Adobes | $1,082 |
| 17 | Tucson | $1,061 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
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Table data uses estimated as the vehicle garaging location can decrease or increase price quotes significantly.
The car, truck, or SUV driven is one of the primary factors when looking for affordable coverage for 17 year olds. Vehicles with lower acceleration and performance, excellent safety ratings, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models.
The next table outlines coverage premiums for a selection of the most cost-effective vehicles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $5,641 |
| Honda CR-V EX-L 4WD | $5,700 |
| Ford Escape Limited 4WD | $6,068 |
| Toyota Prius | $6,129 |
| Dodge Grand Caravan SE | $6,326 |
| Chevrolet Impala LS | $6,635 |
| Ford Edge SE AWD | $6,641 |
| Chevrolet Equinox LT AWD | $6,694 |
| Volkswagen Jetta S 4-Dr Sedan | $6,703 |
| GMC Sierra SLE Crew Cab 2WD | $6,694 |
| Toyota RAV4 Limited 4WD | $6,702 |
| Chevrolet Malibu LS | $6,694 |
| Ford F-150 FX2 2WD | $6,755 |
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Above prices assume single male driver age 17, 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 vehicle garaging location which can affect price quotes noticeably.
By looking at the data, we can conclude that cars like the Honda Accord, Honda CR-V, and Ford Escape will definitely be a few of the cheaper vehicles to insure for teen drivers. Rates will tend to be higher just due to the fact that there is more claim exposure for 17 year olds, but generally speaking those particular vehicles will probably have the cheapest auto insurance rates compared to other vehicles.
Discounts on Mesa car insurance
Insurance providers that offer quotes for 17 year olds may provide policy discounts that could lower prices by 35% or more if you meet specific criteria. A list of auto insurance companies and some of their more popular discounts include:
- State Farm may offer discounts for defensive driving training, multiple policy, good driver, safe vehicle, and Steer Clear safe driver discount.
- GEICO discounts include defensive driver, air bags, five-year accident-free, driver training, and emergency military deployment.
- Progressive may include discounts for multi-policy, multi-vehicle, homeowner, continuous coverage, online signing, and online quote discount.
- 21st Century has discounts for teen driver, air bags, defensive driver, good student, 55 and older, anti-lock brakes, and student driver.
- American Family offers premium reductions for bundled insurance, early bird, air bags, TimeAway discount, and accident-free.
- The Hartford has savings for anti-theft, good student, bundle, driver training, air bag, defensive driver, and vehicle fuel type.
- AAA policyholders can earn discounts including anti-theft, good student, multi-policy, pay-in-full, multi-car, and education and occupation.
The illustration below illustrates the difference between yearly insurance costs with and without discounts applied to the premium. The premiums are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $500 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, paid-in-full, continuous coverage, passive restraint, paperless filing, and vehicle safety discounts applied. In this example, theaverage yearly reduction on auto insurance for 17 year olds is 28% or $471.
Insuring your vehicle with the highest-rated auto insurance provider can be difficult considering how many companies are available to choose from in Mesa. The information displayed below could help you analyze which providers to look at purchasing coverage from. The ratings below only include large, nationwide insurance companies, so companies that focus mainly on Arizona business will not be included in these rankings.
Top 10 Major Car Insurance Companies in Mesa Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Major Car Insurance Companies in Mesa Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
How to find budget-friendly auto insurance for 17 year olds
The list below shows a few thrifty ideas that can help Arizona drivers locate more affordable coverage.
- Do not get traffic citations
- Claim-free drivers earn discounts
- Remain accident-free and save
- Remove physical damage coverage on older vehicles
- Increase your policy deductibles
- Shop around for lower rates once a year
The last tip is remarkably critical, as was discussed in this article. Insurance rates can be changed at any time, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but we do not recommend it if your bullheadedness ends up costing you a fortune every year. Now is a great time to compare prices to find cheaper car insurance for 17 year olds in Mesa.