The words “bargain” and “insurance” really should not be used together, in particular when searching for the lowest insurance rates for teenagers. To help control this cost, let’s learn about a few of the things that help determine insurance premiums, and see if we can help you take a little off the next policy you buy.
The make and model of vehicle you are seeking coverage for is a large consideration when comparing low-cost car insurance for teenagers. Vehicles with high performance features, poor passenger safety features, or an increased likelihood of liability claims will cost more to insure than more modest models. The data below presents auto insurance prices for the most economical automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$6,575|
|Ford Escape XLS 4WD||$6,582|
|Honda CR-V EX 2WD||$6,575|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$7,336|
|Dodge Grand Caravan CV||$7,399|
|Ford Explorer Eddie Bauer 2WD||$7,409|
|Jeep Grand Cherokee Laredo 4WD||$7,803|
|Chevrolet Malibu Hybrid||$7,811|
|Chevrolet Equinox LS 2WD||$7,803|
|Toyota RAV4 4WD||$7,808|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$7,863|
|Ford F-150 FX4 Super Cab 4WD||$7,869|
|Dodge Ram Quad Cab ST 2WD||$8,053|
|Honda Civic EX 4-Dr Sedan||$8,143|
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Cost estimates assume single male 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. Premium amounts do not factor in your specific Mesa, AZ location which can decrease or increase premiums substantially.
Based upon the rates shown, we can presume that vehicles like the Honda Accord, Ford Escape, Honda CR-V, Toyota Prius, and Jeep Wrangler should be some of the cheaper vehicles to insure for teen drivers. Rates will tend to be more expensive just because there is more liability risk for teenagers, but overall those specific models will have the cheapest car insurance rates compared to other types of vehicles.
Figuring out which insurers offer the most affordable car insurance rates for teenagers takes more work in order to find the best price.
Each insurer uses a different method for determining rates in each state, so we need to take a look at the most affordable car insurance companies in Arizona.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford quotes some of the most affordable car insurance rates in Mesa at around $820 annually. This is $608 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the best Mesa, AZ auto insurance companies.
As shown in the rates above, if you have coverage with Travelers and switched to The Hartford, you might achieve a yearly price reduction of around $255. Insureds with USAA may save as much as $304 a year, and GEICO customers might lower prices by $311 a year.
Be aware that those policy rates are averages across all drivers and vehicles and do not factor in a vehicle location for teenagers. So the company that is most affordable for your situation may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.
One of the many things that are looked at to help calculate the amount you pay each year for auto insurance is where you call home. More densely populated places tend to pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The next table shows the most expensive cities in Arizona for teenagers to purchase a policy in. Mesa is ranked at #8 having an annual price of $1,113 for coverage, which is approximately $93 per month.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,196|
|24||Lake Havasu City||$878|
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Rates are comparative as the specific garaging location can alter insurance rates noticeably.
Discount Mesa insurance
Insurers that offer cheap quotes for teenagers may provide special discounts that can reduce rates by as much as 40% or more if you are eligible to receive them. A few of the larger companies and some of the premium reductions they offer are included below.
- Farm Bureau policyholders can earn discounts including 55 and retired, renewal discount, youthful driver, safe driver, driver training, and multi-policy.
- Liberty Mutual may have discounts that include preferred payment discount, multi-car, new vehicle discount, new move discount, hybrid vehicle, and newly retired.
- State Farm offers discounts including defensive driving training, driver’s education, student away at school, passive restraint, anti-theft, multiple autos, and Drive Safe & Save.
- Auto-Owners Insurance has discounts for group or association, mature driver, air bags, safe vehicle, teen driver, and paid in full.
- GEICO may offer discounts for daytime running lights, anti-lock brakes, multi-vehicle, seat belt use, emergency military deployment, and good student.
- SAFECO includes discounts for safe driver, anti-theft, anti-lock brakes, accident prevention training, and teen safe driver.
The illustration below shows the comparison of car insurance rates with and without discounts being applied to the rates. The rates are based on a male driver, no violations or claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with paperless filing, passive restraint, continuous coverage, paid-in-full, anti-theft, and good student discounts applied. When drivers qualify for the discounts, the average amount saved each year on car insurance for teenagers is 28% or $701.
Mesa car insurance companies
Picking the highest-rated auto insurance company can be rather challenging considering how many companies there are to choose from in Arizona. The information below can help you decide which providers you want to consider when comparing rate quotes.
These ratings are only comprised of companies with a national presence, so smaller companies that only insure vehicles in Arizona will not be included in these rankings. To check rates from these companies and more, click here.
Top 10 Major Auto Insurance Companies in Mesa Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Why you should compare rates
Mesa, AZ car insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. Simply improving your credit, having a claim, or getting a reckless driving citation can cause premium changes resulting in some rates now being more affordable than others. In addition, insurance companies change rates multiple times each year in order to maintain liquidity for claims. A period of increased losses may result in price increases, while profitable underwriting may result in cheaper Mesa car insurance rates.
The chart below shows a variety of companies that have the cheapest car insurance in Mesa, AZ for a 45-year-old male driver with a clean driving record, no accidents, and good credit. If we estimate prices based on his personal risk profile, The Hartford offers the cheapest car insurance rates in Mesa at $1,126 per year. This is $302 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remaining top five cheapest Mesa, AZ auto insurance companies.
Now we will pretend the driver from the first set of rates a claim or two, poor credit, and an imperfect driving record. Due to the fact that every insurance company has a unique approach for setting prices, comparing rates will most likely result in a completely different list of affordable Mesa car insurance companies as shown below.
Progressive now has the best price on car insurance in Mesa, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual now rounding out the top five. This example shows why consumers need to compare lots of rates when trying to get the most budget-friendly auto insurance rates for teenagers.
Car insurance prices are made up of many different factors and change frequently, so the best company when you bought your policy may now be an over-priced policy.
The insurance agents in Mesa listed below are a good start to help you make a decision which car insurance policy is best, since many people would rather get some professional input when comparing insurance rates for teenagers. It can be time-consuming to do it yourself, and agents can give you satisfaction knowing you have decent coverage if you have a claim.
To find a Mesa insurance agent close to where you live, click the button after the list.
354 N Country Club Dr – Mesa, AZ 85201 – (602) 233-3333
ABI Insurance LLC
7165 E University Dr #170 – Mesa, AZ 85207 – (480) 921-3400
Nationwide Insurance: Isakson Ins Agency Inc
1819 E Southern Ave, Ste E20 – Mesa, AZ 85204 – (480) 888-0318