The words “cheap” and “auto insurance” probably shouldn’t be used in the same sentence, especially when searching for the cheapest car insurance for college students. To help control this cost, let’s teach you a few of the things the can have a considerable influence on insurance rates, and figure out some ideas to reduce the cost of your next policy.
For students in college, one of the largest components that are looked at to determine insurance cost is where you live. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The next table sorts the most expensive places in Arizona for college students in which to purchase auto insurance. Mesa makes the list at #5 with an annual rate of $1,159 for the average insurance policy, which is approximately $97 per month.
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$878|
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Annual rates are estimated as specific Mesa zip code can modify coverage prices noticeably.
Finding out which insurers offer the cheapest insurance rates for college students may require more time in order to find a policy that fits your budget. Each insurer uses a slightly different approach to set their prices, so let’s examine the insurance companies that tend to be cheaper in Mesa.
It’s important that readers know that Mesa insurance rates are calculated based on many things that control the price you have to pay for coverage. Simply having a birthday, filing a claim, or getting into an accident may cause policy rate changes that can now make some companies cheaper than others.
Find the Cheapest Car Insurance for College Students
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford may have some of the best car insurance rates in Mesa at around $836 a year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the best Mesa, AZ insurance companies.
As the rates illustrate above, if you are a policyholder with Auto-Owners and switched to The Hartford, you could see an annual savings of about $79. Customers with Safeco might save as much as $87 a year, and Travelers policyholders might cut rates by $250 a year.
To see if you’re overpaying, click here to start a quote or visit several of the following companies.
Be aware that those policy prices are averaged across all types of drivers and the different vehicles they drive and and are not figured with an exact location for college students. So the car insurance company that can offer you the best price may not even be in the top 28 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own individual information.
The car, truck, or SUV you are seeking coverage for is probably the largest consideration when trying to find economical auto insurance for college students. Vehicles with lots of speed or power, poor safety ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than more economical and safe models. The next list showcases coverage premiums for a handful of the more affordable automobiles to insure in Arizona.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$3,697|
|Jeep Wrangler Sport 4WD 2-Dr||$3,786|
|Ford Escape Limited 4WD||$4,025|
|Toyota Tacoma 4WD||$4,114|
|Chevrolet Impala LS||$4,335|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,356|
|Toyota RAV4 Limited 4WD||$4,389|
|Nissan Altima 2.5 4-Dr Sedan||$4,395|
|Chevrolet Equinox LS 2WD||$4,389|
|Ford Fusion S 4-Dr Sedan||$4,396|
|Ford Explorer Eddie Bauer 4WD||$4,445|
|Ford F-150 FX4 Super Cab 4WD||$4,453|
|Dodge Grand Caravan Crew||$4,445|
|Hyundai Elantra Blue 4-Dr Sedan||$4,610|
|Ford Focus SES 4-Dr Sedan||$4,620|
|Honda Civic LX 4-Dr Sedan||$4,610|
|Honda Odyssey EX-L||$4,663|
|Toyota Corolla LE||$4,669|
|Ford Edge Sport AWD||$4,663|
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Price data assumes single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in zip code location which can increase or decrease premium rates significantly.
Based on these rates, models like the Honda CR-V, Jeep Wrangler, Ford Escape, and Toyota Prius are most likely going to be some of the more affordable vehicles to insure for students in college. The price for car insurance will be more costly just due to the fact that there is more liability risk for college students, but in general those particular models will tend to have the best rates compared to all other vehicles.
Get discount Mesa car insurance
Insurers that offer coverage for college students may provide price discounts that may potentially lower prices by 25% or more if you meet specific criteria. A few of the larger companies and the discounts they provide can be found below.
- Progressive offers discounts for online signing, good student, online quote discount, homeowner, multi-vehicle, multi-policy, and continuous coverage.
- AAA may include discounts for multi-car, multi-policy, good driver, good student, and AAA membership discount.
- Farmers Insurance offers discounts including alternative fuel, homeowner, bundle discounts, early shopping, pay in full, and teen driver.
- GEICO discounts include driver training, multi-vehicle, anti-lock brakes, five-year accident-free, seat belt use, and good student.
- Esurance includes discounts for Pac-12 alumni, emergency road assistance, safety device, homeowner, paid-in-full, renters, and DriveSense.
- SAFECO has discounts for teen safe driver, bundle discounts, accident prevention training, drive less, and multi-car.
- State Farm policyholders can earn discounts including good driver, anti-theft, Drive Safe & Save, good student, and multiple policy.
The information below illustrates the difference between insurance premiums with and without discounts being applied to the rates. The information is based on a male driver, no accidents or driving violations, Arizona state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with vehicle safety, anti-theft, paperless filing, passive restraint, good student, and continuous coverage discounts applied. When discounts are factored in, theaverage amount saved on insurance for college students is 19% or $257.
Arizona insurance company ratings
Finding the right insurer can be difficult considering how many companies sell coverage in Mesa. The company information listed below can help you select which auto insurance companies you want to consider when shopping car insurance rates for college students.
The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies with more of a regional focus are not factored into this list. If you would like to check rates from these and other competitive companies, click here.
Top 10 Major Car Insurance Companies in Mesa Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Major Car Insurance Companies in Mesa Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How accidents and violations affect rates
The easiest way to receive cheap insurance rates in Arizona for students in college is to drive safe and maintain a clean driving record. The example below highlights how traffic violations and at-fault fender-benders can increase insurance prices for each different age group. The costs are based on a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
In the chart above, the average cost of a car insurance policy in Mesa per year with a clean driving record and no accidents is $1,627. Receive one speeding ticket and the average cost swells to $1,846, an increase of $219 each year. Then throw in one accident along with the one speeding ticket and the annual cost of insurance for college students jumps again to an average of $2,455. That’s an increase of $828, or $69 per month, just for a couple of infractions!
Why it’s important to shop around
Mesa insurance rates are calculated based on many things that will increase or decrease the cost of having a policy. Simply having another birthday, buying a home instead of renting, or getting a few speeding tickets may generate price changes resulting in some rates now being affordable when they were higher priced. Not only may things change on your end, but insurance companies modify rates multiple times each year in order to maintain liquidity for claims. A period of higher than normal claims can cause additional price hikes, while less frequent claims may result in cheaper Mesa car insurance rates.
The data below demonstrates which company has the cheapest car insurance in Mesa, AZ for a 30-year-old female driver with a clear driving record, no claims, and a decent credit rating. If we estimate prices based on her personal profile, The Hartford may offer the cheapest car insurance rates in Mesa at $1,092 per year. This is $336 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the top five cheapest Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison some claims, bad credit, and a couple of points charged on her driving record. Due to the fact that every insurance company uses their own formula for determining prices, getting updated rate quotes could result in a different set of companies as shown below.
GEICO now has the lowest car insurance rate in Mesa, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual completing the list. This demonstrates why it is critical to perform a complete rate comparison to get cheap insurance quotes for college students.
Insurance rates are influenced by many factors and change dramatically, so the most economical company the last time you compared rates may now cost much more than other companies.
If you wish to get some professional advice when shopping for cheaper insurance for students in college, the professional agents shown below are a good start to help you determine which insurance coverage will be best for you.
To find an agent close to you, click the button after the list or click here to compare rates now.
Phil Borgia – State Farm Insurance Agent
1635 N Greenfield Rd #1 – Mesa, AZ 85205 – (480) 981-8681
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318
Jeff Klusmann Insurance Agency
1955 N Val Vista Dr – Mesa, AZ 85213 – (480) 830-0080
American Family Insurance – Brian Johnson Agency Inc.
3660 E University Dr Ste 3 – Mesa, AZ 85205 – (480) 634-7039
Allstate Insurance: Brent D. Henningson
5540 E Broadway Rd Ste 6 – Mesa, AZ 85206 – (480) 830-0046