Who Has the Cheapest Mesa Auto Insurance Quotes for High School Students?

The words “bargain” and “insurance” really don’t belong together, especially when comparison shopping for the lowest insurance rates for high school students. Because it’s so expensive, let’s open your eyes to some of the factors that have an effect on insurance prices, and find a few ways to slash the price of your next policy.

Comparing quotes for reasonably-priced auto insurance is not the easiest thing to do, and figuring out which company quotes the most affordable auto insurance rates for high school students will involve a bit more work. Each insurer uses a slightly different approach to set premium rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Arizona.

It’s important to understand that Arizona auto insurance rates are determined by lots of factors that will increase or decrease the policy premium. This is why consumers need to compare many different companies to get cheap car insurance rates for high school students. Rates are influenced by many risk factors and can change without notice, so the lowest-price company the last time you shopped around may now be priced much higher than other options.

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Who has the cheapest car insurance in Arizona?
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $888
3 Safeco $923
4 USAA $1,080
5 Travelers $1,108
6 GEICO $1,131
7 Progressive $1,152
8 CSAA $1,177
9 Ameriprise Group $1,208
10 Allied $1,245
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,284
13 Unitrin $1,303
14 State Farm $1,377
15 Farmers $1,378
16 Amica $1,429
17 American Family $1,435
18 Titan $1,461
19 MetLife $1,551
20 California Casualty $1,568
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $845 a year. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Mesa, AZ insurance companies.

As the rates illustrate above, if you have coverage with USAA and switched to Auto-Owners, you could earn a yearly savings of about $192. Policyholders with Travelers might save as much as $220 a year, and GEICO insureds might lower prices by up to $243 a year.

To find cheaper insurance rates for your vehicle, click here or click several companies below for low rates.

These policy rates are averages across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for high school students. So the auto insurance company that fits your needs best may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.

For teenagers, one of the big things that are used to help calculate the annual cost of car insurance is the neighborhood you call home. More populated areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.

The information below ranks the most expensive cities in Arizona for high school students in which to buy car insurance. Mesa is ranked #6 with an annual cost of $1,125 for the average policy, which is approximately $94 monthly.

How much does car insurance cost in Mesa, AZ?
Rank City Annual Premium
1 Avondale $1,222
2 Phoenix $1,218
3 Glendale $1,190
4 San Tan Valley $1,185
5 Buckeye $1,156
6 Mesa $1,125
7 Gilbert $1,120
8 Scottsdale $1,117
9 Chandler $1,115
10 Tempe $1,106
11 Tucson $1,094
12 Peoria $1,093
13 Goodyear $1,087
14 Maricopa $1,085
15 Casas Adobes $1,082
16 Casa Grande $1,079
17 Surprise $1,058
18 Catalina Foothills $1,040
19 Oro Valley $1,020
20 Yuma $963
21 Prescott $952
22 Flagstaff $941
23 Bullhead City $878
24 Sierra Vista $872
25 Lake Havasu City $852
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Table data uses approximated as specific Mesa garaging address can decrease or increase coverage rates significantly.

Discount Mesa car insurance rates

Discounts on auto insurance for high school studentsInsurers that provide coverage for high school students may also give you special discounts that may potentially lower prices by as much as 35% if you can meet the requirements. A list of auto insurance companies and a selection of discounts are:

The information below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, continuous coverage, vehicle safety, good student, paid-in-full, and paperless filing discounts applied. When discounts are factored in, the average savings per year on auto insurance for high school students is 28% or $661.

Picking a good quality auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The company information listed below could help you choose which car insurance companies you want to consider shopping your coverage with. These ratings are for the largest auto insurers in America, so smaller companies that only insure vehicles in Arizona will not be included in this list.

Top Auto Insurance Companies for High School Students in Arizona
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
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Who has the cheapest Mesa car insurance?

Mesa auto insurance rates are based on many factors that can increase your annual premium. Getting older, moving to a new city, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than others.

In addition, insurers amend premium rates at least once a year in order to remain profitable. Significantly higher losses may cause more expensive prices, while a lower level of claims may result in lower-cost Mesa car insurance rates.

As an example, the chart below shows rates for the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents or violations, and great credit. If we estimate prices based on his current risk factors, The Hartford may have the best car insurance rates in Mesa at $1,060 each year. This is $368 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Progressive, and Travelers also make the list of the best Mesa, AZ auto insurance companies.

In this next rate comparison, we will give the driver from the first rate comparison some claims, a lower credit score, and a few blemishes on his driving record. Due to the fact that every auto insurer uses a different method to establish rates, analyzing rates may now result in a completely different list of affordable Mesa car insurance companies as shown below.

GEICO now has the cheapest auto insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This example illustrates why it is critical to compare rates to find affordable auto insurance quotes for high school students. Car insurance prices are made up of many different factors and can change substantially, so the most economical option the last time you shopped around may now be an over-priced policy.

How to find low-cost insurance for high school students

Lowering your rates is not difficult, and here are some penny-pinching ideas that can help Arizona drivers locate cheap coverage.

That final tip is particularly vital, as was emphasized in the prior article. Car insurance prices fluctuate considerably, so don’t be tentative to buy a different policy if you find a better deal.

Many drivers prefer to stick with one company, but it’s not a great idea if that faithfulness ends up costing you hundreds of dollars a year. In just a couple of minutes you could compare rates to find cheaper auto insurance for high school students in Mesa.

If you aren’t sure which coverage you need and prefer to have a little guidance when shopping around for cheaper insurance for high school students, the professional agents shown below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation. To locate a Mesa auto insurance agent nearest to you, click the button below the list or click here to get price quotes now.

Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107Mesa, AZ 85206(480) 892-1779

Aaron McDermid – State Farm Insurance Agent
10720 E Southern Ave #105Mesa, AZ 85209(480) 984-3311

Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117Meza, AZ 85201(480) 247-7418

American Family Insurance – Mike Stapley
4850 E Baseline Rd Ste 101Mesa, AZ 85206(480) 503-4400

INW Insurance Group
4545 E Southern Ave #106Mesa, AZ 85206(480) 626-0797

View more Mesa, AZ insurance agencies