The car, truck, or SUV on the policy is one of the primary factors when consumers are trying to find the best cheap car insurance for 19 year olds. Vehicles with lots of horsepower, a lack of modern safety features, or high incidents of liability claims will cost significantly more to insure than more economical and safe models. The data below features car insurance costs for a number of the most budget-friendly vehicles to insure in Arizona.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$4,133|
|Ford Escape Limited 2WD||$4,182|
|Honda CR-V EX-L 4WD||$4,189|
|Jeep Wrangler Sport 4WD 2-Dr||$4,273|
|Volkswagen Jetta S 2.5 Station Wagon||$4,473|
|Ford Edge SE 2WD||$4,564|
|Dodge Grand Caravan CV||$4,612|
|Ford Focus S 4-Dr Sedan||$4,856|
|Nissan Altima 2.5 4-Dr Sedan||$4,904|
|Jeep Grand Cherokee Laredo 4WD||$4,911|
|Toyota RAV4 4WD||$4,904|
|Toyota Tacoma Double Cab 4WD||$4,914|
|GMC Sierra SLE Crew Cab 2WD||$4,904|
|Chevrolet Malibu LS||$4,913|
|Ford Explorer Limited 2WD||$4,955|
|Hyundai Elantra SE 4-Dr Sedan||$5,193|
|Toyota Camry SE||$5,202|
|Toyota Corolla XLE||$5,193|
|Chevrolet Impala LTZ||$5,203|
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Premium data assumes single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate quotes do not factor in specific location which can modify rates substantially.
Based upon the rates shown, makes and models like the Honda Accord, Ford Escape, Honda CR-V, and Jeep Wrangler are most likely to be some of the most economical vehicles to insure for teenage drivers. The cost of a car insurance policy will be more costly just because there is more inherent risk for 19 year olds, but generally speaking those models will tend to have the cheapest car insurance rates compared to other vehicles.
Trying to buy low-cost insurance is easier said than done, and determining which company offers the most affordable auto insurance rates for 19 year olds calls for more quotes for comparison. Every insurance company uses slightly different criteria for filing rates in each state, so let’s take a look at the auto insurance companies with the overall cheapest rates in Scottsdale, AZ.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford normally has some of the most affordable car insurance rates in Scottsdale at around $811 each year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the lowest-priced Scottsdale, AZ auto insurance companies.
As illustrated above, if you are a customer of Auto-Owners and switched to The Hartford, you might see annual savings of approximately $104. Customers with Travelers might save as much as $264 a year, and USAA customers might lower prices by $302 a year.
These policy rates are averaged for all types of insureds and vehicles and do not take into consideration an exact location for 19 year olds. So the auto insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That underscores the importance of why you need to compare as many prices as possible using your own specific driver and vehicle information.
For teenage drivers, one of the largest criteria that aid in calculating auto insurance rates is where you call home. More densely populated places tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The following table lists the highest-priced places in Arizona for 19 year olds to purchase auto insurance in. Scottsdale is listed at #12 with the yearly price of $1,117 on average, which is about $93 each month.
|6||San Tan Valley||$1,150|
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Price information shown is comparative as the specific zip code location can lower or raise insurance rates noticeably.
Discounts on Scottsdale auto insurance rates
Insurance providers that offer coverage for 19 year olds may also give you policy discounts that could potentially reduce rates by as much as 35% or more if you meet specific eligibility requirements. A few popular companies and a selection of discounts can be found below.
- State Farm may offer discounts for driver’s education, Drive Safe & Save, multiple autos, anti-theft, safe vehicle, and student away at school.
- Progressive offers discounts including homeowner, good student, multi-policy, continuous coverage, multi-vehicle, online quote discount, and online signing.
- Progressive may include discounts for online signing, online quote discount, good student, homeowner, and continuous coverage.
- MetLife may have discounts that include defensive driver, accident-free, good driver, claim-free, good student, multi-policy
- Farm Bureau offers premium reductions for 55 and retired, safe driver, youthful driver, driver training, and multi-vehicle.
- GEICO has discounts for five-year accident-free, emergency military deployment, good student, multi-policy, and multi-vehicle.
- SAFECO discounts include teen safe driver, teen safety rewards, anti-lock brakes, multi-car, and bundle discounts.
The chart below illustrates the difference between annual premium costs with and without discounts applied to the rates. The rates are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with vehicle safety, claim-free, marriage, homeowner, passive restraint, and defensive driving course discounts applied. When drivers take advantage of discounts, the average savings per year on auto insurance for 19 year olds is 28% or $594.
Full coverage versus liability only rates
Lowering the price of auto insurance is probably important to most drivers, and one way to pay lower rates for insurance for 19 year olds is to buy liability only. The diagram below compares auto insurance rates with and without full coverage. The data is based on a clean driving record, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied.
If all age groups are averaged, comprehensive and collision coverage on your policy costs an additional $2,107 per year more than just buying liability insurance. At some point, every insured wonders if buying full coverage is a waste of money. There is no specific rule that is best for determining when to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
Illustration showing the impact of accidents and violations
The recommended way to maintain the cheapest auto insurance prices in Scottsdale for teenage drivers is to drive attentively and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault accidents can affect auto insurance costs for different insured age categories. The rates are based on a single female driver, full coverage, $100 deductibles, and no discounts are factored in.
In the chart above, the average cost of car insurance in Scottsdale per year with no accidents and a clean driving record is $1,633. Get one speeding ticket and the average cost jumps to $1,849, an increase of $216 each year. Next add one accident along with the one speeding ticket and the yearly cost of auto insurance for 19 year olds jumps again to an average of $2,458. That’s an increase of $826, or $69 per month, just for being a less-than-perfect driver!
The agents listed below can help you make a decision which car insurance company is the best fit, as many consumers aren’t sure which coverage to buy and prefer to have a little guidance when trying to find the best insurance rates for teenage drivers. It can be challenging to find the best rates on your own, and agents can provide satisfaction knowing your coverage gives you enough coverage when you need it.
To locate a Scottsdale insurance agent close to where you live, click the button at the bottom or click here to compare price quotes.
13802 N Scottsdale Rd #106 – Scottsdale, AZ 85254 – (480) 607-7537
Pinnacle Ins Agency Inc.
8700 E Vista Bonita Dr – Scottsdale, AZ 85255 – (480) 513-3131
John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100
Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300
How to find low-cost insurance for 19 year olds
The list below summarizes some of the recommended penny-pinching ideas that can help Arizona drivers buy cheap coverage.
- Being accident-free can lower rates significantly
- Insure your home and auto with the same company
- You will pay more if you get tickets or have at-fault accidents
- Having too many claims will increase rates substantially
- Drive safe vehicles
- Compare rates often to find the best deal
That last tip is especially significant, as was pointed out in this piece. Insurance rates in Scottsdale go up and down frequently, so don’t be tentative to switch companies if you find a better deal. Sticking with a specific company is fine, but we do not recommend it if that devotion results in you overpaying several hundred dollars every year. It takes less than five minutes to compare rates and find cheaper insurance for 19 year olds.