Shopping around for cost effective insurance is challenging, and determining which insurers offer the cheapest insurance rates for drivers under 21 calls for even more shopping around. Each insurer has a different formula for determining rates in each state, so to begin we’ll rank the most budget-friendly insurance companies in Arizona.
Find Cheaper Car Insurance for Minors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,091 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,184 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,323 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford has some of the most affordable car insurance rates in Mesa at around $811 a year. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the more affordable Mesa, AZ insurance companies.
In this example, if you currently have coverage with Safeco and switched to The Hartford, you might realize an annual premium reduction of around $121. Policyholders with Travelers might save as much as $264 a year, and USAA policyholders might reduce prices by as much as $280 a year.
To get a fast rate comparison, click here to start a quote or feel free to get quotes from the companies below.
Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and and are not figured with an exact vehicle garaging location for drivers under 21. So the car insurance company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
For minors, one of the big things that determine the amount you pay for auto insurance is where you keep your car. Areas with more people or more claims will most likely pay more, whereas areas that tend to be more rural have the enjoyment of a little cheaper coverage.
The information below sorts the priciest cities in Arizona for drivers under 21 to purchase a policy in. Mesa comes in at #7 with the annual price of $1,147 for the average insurance policy, which is around $96 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,210 |
| 3 | San Tan Valley | $1,185 |
| 4 | Glendale | $1,178 |
| 5 | Scottsdale | $1,163 |
| 6 | Tempe | $1,152 |
| 7 | Mesa | $1,147 |
| 8 | Peoria | $1,137 |
| 9 | Goodyear | $1,131 |
| 10 | Chandler | $1,126 |
| 11 | Gilbert | $1,120 |
| 12 | Buckeye | $1,110 |
| 13 | Tucson | $1,094 |
| 14 | Maricopa | $1,085 |
| 15 | Oro Valley | $1,062 |
| 16 | Surprise | $1,058 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Casas Adobes | $1,040 |
| 20 | Flagstaff | $960 |
| 21 | Yuma | $954 |
| 22 | Prescott | $952 |
| 23 | Bullhead City | $896 |
| 24 | Lake Havasu City | $870 |
| 25 | Sierra Vista | $863 |
| Compare Rates Now Go | ||
Premium amounts are estimated as specific Mesa garaging address can increase or decrease prices substantially.
Full coverage versus liability-only in Mesa
Finding the cheapest insurance is probably important to the majority of vehicle owners, and a great way to reduce the cost of insurance for drivers under 21 is to buy only liability coverage. The information below illustrates the comparison of yearly insurance costs with full coverage compared to only the Arizona minimum liability coverage. The data assumes no accidents or driving violations, $250 deductibles, marital status is single, and no other discounts are factored in.
If averaged out across all ages, full coverage on your policy costs $1,579 per year more than just buying liability insurance. At some point, about every driver wonders if paying for full coverage is worth it. There is no set rule to stop paying for physical damage coverage on your policy, but there is a general guideline. If the yearly cost of full coverage is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.
Violations and accidents raise rates
The common sense way to enjoy cheap insurance premiums in Mesa for minors is to be a cautious driver and avoid traffic citations and accidents. The diagram below illustrates how violations and accidents raise insurance premiums for different categories of driver ages. The data assumes a single male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance in Arizona per year with no accidents or violations is $1,579. Get written up for one speeding ticket and the average cost increases to $1,778, an increase of $199 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for drivers under 21 increases to an average of $3,497. That’s an increase of $1,918, or $160 per month, just for not driving safely!
Discounts on Mesa insurance
Car insurance companies that offer coverage for drivers under 21 may also provide price discounts that could potentially reduce rates by 40% or more if you meet certain criteria. A few of the larger companies and a summarized list of policyholder discounts are detailed below.
- Progressive offers premium reductions for online quote discount, good student, continuous coverage, multi-policy, and homeowner.
- MetLife discounts include accident-free, good student, multi-policy, claim-free, defensive driver, and good driver.
- Mercury Insurance may offer discounts for multi-car, ease of repair, type of vehicle, good driver, multi-policy, and location of vehicle.
- Nationwide has savings for good student, accident-free, family plan, Farm Bureau membership, anti-theft, defensive driving, and easy pay.
- GEICO has discounts for defensive driver, five-year accident-free, seat belt use, anti-theft, driver training, multi-vehicle, and daytime running lights.
- AAA may include discounts for good driver, anti-theft, education and occupation, AAA membership discount, pay-in-full, and multi-policy.
The chart below shows the difference between car insurance costs with and without discounts applied to the rates. Data assumes a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with vehicle safety, continuous coverage, anti-theft, paid-in-full, good student, and passive restraint discounts applied. When drivers qualify for the discounts, theaverage yearly reduction on insurance for drivers under 21 is 28% or $591.
The agents listed below can aid you in deciding which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when buying car insurance for minors. It’s not always easy to find the cheapest rate yourself, so professional agents can give you peace of mind knowing your policy gives you suitable coverage if you ever need to use it. To find a Mesa insurance agency close to where you live, click the button at the bottom of the list.
Manuel Ramirez – State Farm Insurance Agent
911 N Country Club Dr – Mesa, AZ 85201 – (480) 964-7777
Pete Evans – State Farm Insurance Agent
5616 E McKellips Rd #105 – Mesa, AZ 85215 – (480) 985-1952
Scott Urry – State Farm Insurance Agent
5524 E Baseline Rd – Mesa, AZ 85206 – (480) 969-9155
Wong Insurance Agency LLC dba GlobalGreen Insurance Agency of Mesa
66 S Dobson Rd # 131 – Mesa, AZ 85202 – (602) 758-1672
View map of Mesa, AZ insurance agents
How to find economical auto insurance for drivers under 21
Lowering your rates is not difficult, and here are some of the recommended thrifty ideas that can help you quote cheap coverage.
- Improve your credit score
- Do not insure for full coverage
- Earn discounts for being claim-free
- Higher physical damage deductibles lower rates
- Vehicles with good safety ratings have lower liability rates
- Bundle home or renters insurance to earn a discount on car insurance
- Keep rates low by comparing prices once a year
That last tip is especially critical, as was noted in the prior information. Prices in Mesa change a lot, so drivers shouldn’t be reluctant to buy a different policy if a better rate can be found.
Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that dedication is costing a small fortune. It only take a few minutes to compare rates to find cheaper auto insurance for drivers under 21.