The car, truck, or SUV requiring insurance is probably the largest consideration that determines the availability of the most economical coverage for teenage females. Vehicles with lots of horsepower, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer models.
The next list illustrates auto insurance premiums for the most affordable automobiles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $5,243 |
| Honda CR-V EX-L 2WD | $5,290 |
| Ford Escape XLT 4WD | $5,300 |
| Toyota Prius | $5,660 |
| Dodge Grand Caravan CV | $5,900 |
| Ford F-150 XL Crew Cab 2WD | $5,910 |
| Honda Odyssey EX | $6,174 |
| Ford Edge SE AWD | $6,184 |
| Ford Focus SE 4-Dr Sedan | $6,174 |
| Chevrolet Impala LT | $6,221 |
| Chevrolet Equinox LS AWD | $6,226 |
| GMC Sierra SLE Regular Cab 2WD | $6,221 |
| Toyota RAV4 Limited 2WD | $6,231 |
| Jeep Grand Cherokee Laredo 2WD | $6,221 |
| Nissan Altima 2.5 4-Dr Sedan | $6,228 |
| Chevrolet Malibu LS | $6,221 |
| Volkswagen Jetta S 4-Dr Sedan | $6,227 |
| Compare Rates Now Go | |
Prices above based on single female driver age 16, 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 zip code location which can alter price quotes significantly.
Looking at the rates, you can presume that cars like the Hyundai Elantra, Honda CR-V, Ford Escape, and Toyota Prius will definitely be some of the cheaper vehicles to insure for teen girls. The cost of a car insurance policy will tend to be more expensive because there is a higher risk for teenage females, but in general those particular vehicles will tend to have the best insurance prices that you are likely to find.
Finding out which company offers the best insurance rates for teenage females will involve more work than just quoting one company’s rates.
Each auto insurance company has their own formula for determining rates in each state, so we’ll go over the insurance companies with the overall best prices in Mesa. We do need to point out that Mesa, AZ insurance rates are calculated based on many things that control the cost of having a policy. Improving your credit score, buying higher coverage limits, or getting a speeding ticket can produce rate changes that may make certain companies more affordable than others.
Cheapest Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,220 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,463 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
| Quote Your Rates Go | ||
The Hartford normally has some of the best car insurance rates in Mesa at around $836 per year. This is $592 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the cheaper Mesa, AZ insurance companies.
As shown in the table above, if you currently have coverage with Safeco and switched to The Hartford, you may realize a yearly price reduction of upwards of $69. Insureds with Travelers may save as much as $239 a year, and USAA policyholders might realize rate reductions of up to $255 a year.
These premiums are averages for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for teenage females. So the insurer that is most affordable for your situation may not even be in the top 28 companies shown above. That’s why you need to get rate quotes from many companies using your own driver information and specific vehicle type.
One of the many components that determine the price you pay for insurance is where you choose to live in Mesa. Cities with larger populations tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The table below shows the most expensive places in Arizona for teenage females to buy auto insurance in. Mesa comes in at #10 having an annual price of $1,113 for the average policy, which is around $93 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,190 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Buckeye | $1,156 |
| 6 | Tempe | $1,152 |
| 7 | Gilbert | $1,142 |
| 8 | Maricopa | $1,118 |
| 9 | Scottsdale | $1,117 |
| 10 | Mesa | $1,113 |
| 11 | Tucson | $1,105 |
| 12 | Peoria | $1,104 |
| 13 | Goodyear | $1,098 |
| 14 | Chandler | $1,093 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Oro Valley | $1,062 |
| 17 | Casa Grande | $1,057 |
| 18 | Casas Adobes | $1,050 |
| 19 | Surprise | $1,048 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $914 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $869 |
| 25 | Lake Havasu City | $844 |
| Get a Custom Quote Go | ||
Prices are approximated as the garaging address in Mesa can revise auto insurance rates substantially.
Best insurance in Arizona
Picking the top auto insurance company can be rather challenging considering how many different insurance companies sell coverage in Mesa. The company information displayed below can help you choose which insurers you want to consider putting your business with.
These ratings are only comprised of the largest auto insurers in America, so companies without a large exposure will not be included in this list. If you wish to compare prices from these companies and more, simply click here.
| 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
Types of discounts on Mesa auto insurance
Insurance providers that offer cheap quotes for teenage females could also offer policy discounts that could lower prices by as much as 40% or more if you meet eligibility requirements. A few popular companies and a summarized list of policyholder discounts can be read below.
- State Farm may have discounts that include student away at school, good student, driver’s education, good driver, Drive Safe & Save, and Steer Clear safe driver discount.
- American Family has discounts for good driver, mySafetyValet, Steer into Savings, good student, and air bags.
- GEICO includes discounts for seat belt use, membership and employees, anti-theft, anti-lock brakes, and good student.
- 21st Century offers discounts including anti-lock brakes, driver training, air bags, theft prevention, 55 and older, and defensive driver.
- Progressive offers discounts for good student, online signing, online quote discount, continuous coverage, homeowner, multi-vehicle, and multi-policy.
The information below shows the difference between auto insurance costs with and without discounts applied. The premium estimates are based on a male driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, vehicle safety, paperless filing, continuous coverage, anti-theft, and good student discounts applied. When discounts are applied, the average savings per year on insurance for teenage females is 28% or $519.
You may be paying too much for car insurance
Mesa, AZ insurance rates are calculated based on many things which can substantially decrease or increase the price you pay. Getting older, becoming a homeowner, or getting a reckless driving citation may cause policy rate changes resulting in some rates now being cheaper than competitors.
Not only may your situation change, but insurance companies change premium rates as often as every three months in order to remain profitable. Higher than normal claims may cause price increases, while profitable underwriting may cause cheaper Mesa car insurance rates.
The graph below analyzes the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with a clear driving record, no claims, and great credit. Based on his personal risk profile, The Hartford may offer the most affordable car insurance rates in Mesa at $1,058 per year. This is $370 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA round out the rest of the cheapest Mesa, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example a claim, a little lower credit rating, and a blemish on his driving record. Since each company has a unique approach for determining rates, analyzing rates will most likely result in a slightly different list of affordable companies as shown below.
GEICO now has the cheapest price in Mesa with Ameriprise Group, Safeco, CSAA, and Allied now being in the top five. This example proves why consumers need to shop around with many companies when trying to get the most budget-friendly car insurance rates for teenage females.
Prices can be determined by many things and can change substantially, so the cheapest company the last time you shopped around may now not even be in the top five.