The make and model of vehicle on the policy is a large factor that determines if you can find affordable coverage for 16 year olds. Vehicles with average performance, good crash test ratings, or a low likelihood of having liability claims will cost substantially less to insure than higher performance models. The list below presents auto insurance costs for the cheaper vehicles to buy insurance for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 2WD | $5,983 |
| Honda CR-V EX-L 4WD | $5,990 |
| Toyota Prius | $6,401 |
| Ford F-150 STX Super Cab 2WD | $6,612 |
| Ford Explorer Eddie Bauer 2WD | $6,669 |
| Volkswagen Jetta SE 2.5 Station Wagon | $6,766 |
| Ford Edge SE AWD | $6,974 |
| GMC Sierra SLE Crew Cab 2WD | $7,032 |
| Ford Fusion S 4-Dr Sedan | $7,040 |
| Toyota RAV4 Limited 4WD | $7,032 |
| Chevrolet Malibu Hybrid | $7,037 |
| Jeep Grand Cherokee Laredo 4WD | $7,032 |
| Dodge Grand Caravan Crew | $7,086 |
| Toyota Tacoma Double Cab 4WD | $7,095 |
| Chevrolet Silverado LS Regular Cab 2WD | $7,201 |
| Ford Focus SES 4-Dr Sedan | $7,339 |
| Honda Civic LX-S 4-Dr Sedan | $7,346 |
| Toyota Corolla S | $7,397 |
| Honda Odyssey EX-L W/Rear Entertainment | $7,405 |
| Toyota Camry SE | $7,397 |
| Hyundai Elantra SE 4-Dr Sedan | $7,404 |
| Chevrolet Impala LTZ | $7,397 |
| Chevrolet Equinox LTZ AWD | $7,451 |
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Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific location which can impact auto insurance rates substantially.
Based upon the table data, you can infer that vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Ford F-150 are some of the cheapest vehicles to insure for new drivers. The price for an auto insurance policy will tend to be higher because there is more claim risk for 16 year olds, but overall those particular vehicles will have the cheapest car insurance rates available.
Finding out which companies offer the most affordable auto insurance rates for 16 year olds requires a tad more effort in order to find the best policy.
Each auto insurer has a proprietary method for filing rates in each state, so to begin we’ll rank the auto insurance companies with the most affordable rates in Arizona. It’s important to know that Mesa auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply getting older, marrying your spouse, or getting a ticket for running a stop sign can trigger changes in premium resulting in some rates now being more affordable than before.
Find the Cheapest Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
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The Hartford generally has some of the best car insurance rates in Mesa at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the lowest-priced Mesa, AZ car insurance companies.
As shown above, if you currently have a policy with Travelers and switched to The Hartford, you might see savings of approximately $230. Insureds with USAA may save as much as $268 a year, and Progressive customers might see rate reductions of $307 a year.
To find the cheapest rates for your vehicle, click here to get quotes or quote prices from the following companies.
These policy rates are averages for all insureds and vehicles and and are not calculated with a specific zip code for 16 year olds. So the company that can offer the best rates for your situation may not even be in the list above. That is why you need to compare as many prices as possible using your own driver and vehicle profiles.
The illustration below illustrates how your deductible choice can impact insurance prices when quoting cheap insurance for 16 year olds. The premium estimates are based on a single male driver, full coverage, and no other discounts are factored in.
A 30-year-old driver could pocket $278 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $418 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could reduce their rates as much as $808 annually by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Auto insurance company ratings
Choosing the best car insurance company is hard considering how many companies sell insurance in Mesa. The company rank data shown below can help you analyze which providers to look at when trying to find the cheapest insurance for 16 year olds. The ratings below are for companies that insure vehicles across America, so companies that focus mainly on Arizona business are not included in these rankings.
| 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
You are probably paying too much for car insurance
Mesa auto insurance rates are based on many factors that will increase or decrease the policy price. Improving your credit rating, having a teen driver, or getting a speeding ticket can trigger price changes that may make certain companies more affordable than the competition.
Also, insurance companies file new Arizona auto insurance rates without warning to reflect underwriting profits or losses. Significantly higher losses can result in increased rates, while lower claim expenses can cause more affordable Mesa car insurance rates.
To illustrate this example, the data below shows a variety of companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with no prior accidents, a clean driving record, and a good credit rating. When comparing rates based on his current risk profile, The Hartford has the lowest car insurance rates in Mesa at $1,090 each year. This is $338 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are the remainder of the best Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from above a claim or two, slightly worse credit, and a speeding ticket. Since each auto insurer has a unique formula to set premium rates, comparing rates will most likely result in a completely different list of companies as shown below.
GEICO now has the lowest price in Mesa with Ameriprise Group, Auto-Owners, CSAA, and Allied now being in the top five. This example shows why it is so important to compare lots of rates to find the most affordable car insurance quotes for 16 year olds.
Car insurance prices are made up of many risk factors and can decrease or increase without notice, so the most economical company when you last compared rates may now be costing you a lot of money.