Locating low-cost car insurance is not always easy, and determining which companies offer the cheapest insurance rates for 17 year olds requires even more shopping around. Every insurance company has a unique formula to set their prices, so to begin we’ll rank the insurance companies with the most affordable rates in Scottsdale.
It’s important to understand that Arizona insurance rates are influenced by many factors which can significantly increase or decrease your annual premium. Simply getting older, buying a home instead of renting, or getting a driving violation can trigger changes in premium resulting in some companies being cheaper than before.
Cheapest Insurance Rates for Teens
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford generally has some of the best car insurance rates in Scottsdale at around $811 each year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the most economical Scottsdale, AZ auto insurance companies.
As shown above, if you have coverage with Safeco and switched to The Hartford, you may realize an annual premium reduction of upwards of $94. Drivers with Travelers might save as much as $308 a year, and USAA policyholders might see rate reductions of $313 a year.
These policy prices are averaged for all drivers and vehicles in Arizona and do not take into consideration a specific vehicle garaging location for 17 year olds. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own specific driver information and vehicle.
The car, truck, or SUV you are insuring is one of the largest considerations that determines the availability of the most economical coverage for 17 year olds. Vehicles with lower performance, good safety features, or a positive history of liability claims will cost less to insure than high performance models. The list below outlines auto insurance prices for a selection of the most affordable vehicles to insure in Arizona.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$4,738|
|Hyundai Elantra GLS Touring Station Wagon||$4,746|
|Honda CR-V LX 4WD||$4,738|
|Ford Explorer XLT 2WD||$5,321|
|Dodge Grand Caravan CV||$5,328|
|Chevrolet Impala LS||$5,573|
|Ford Edge SEL 2WD||$5,582|
|Chevrolet Equinox LT AWD||$5,620|
|Chevrolet Malibu Hybrid||$5,625|
|Jeep Grand Cherokee Laredo 4WD||$5,620|
|Toyota RAV4 Limited 2WD||$5,630|
|Ford F-150 SVT Raptor Super Cab 4WD||$5,663|
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Premium data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific garaging location which can change insurance rates noticeably.
Based upon the table data, you can assume that makes and models like the Ford Escape, Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford Explorer will definitely be some of the cheapest vehicles to insure for teen drivers. The price for car insurance will tend to be more expensive because there is more inherent risk for 17 year olds, but in general those makes and models will most likely have the cheapest auto insurance rates compared to all other vehicles.
For teen drivers, one of the more important criteria that are looked at to determine insurance cost is where you normally keep your vehicle. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas less populated areas tend to receive slightly lower rates.
The following table rates the highest-priced places in Arizona for 17 year olds to purchase car insurance in. Scottsdale comes in at #4 costing $1,163 for the average insured, which is approximately $97 monthly.
|5||San Tan Valley||$1,161|
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Premium amounts are approximated as the specific area where the vehicle is garaged can influence insurance rates substantially.
Difference between liability only and full coverage rates
Buying cheaper insurance is probably important to the majority of vehicle owners, and a good way to pay lower rates for insurance for 17 year olds is to buy only liability coverage. The example below illustrates the comparison of car insurance costs with full coverage and liability only. Data assumes no accidents, no driving violations, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
If we average the cost for all age groups, physical damage insurance costs an extra $1,704 per year more than buying just liability insurance. Many drivers may wonder if you should buy full coverage. There is no exact formula of when to phase out comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of coverage is about 10% or more of any settlement you would receive from your insurance company, then you may need to consider dropping full coverage.
Picking the right insurance company can be challenging considering how many different insurance companies sell coverage in Scottsdale. The company ratings shown below could help you decide which car insurance companies to look at when trying find the best insurance for 17 year olds. These rankings are only made up of the largest companies in the United States, so companies that have a smaller presence are not included in the list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
The insurance agencies below can aid you in deciding which coverages are best, since many people would rather have a professional recommendation when shopping for the best coverage for 17 year olds. It’s not always easy to find the best coverage on your own, and getting professional guidance from a licensed agent can bring comfort knowing your coverage gives you adequate protection in the event of a claim. To locate a Scottsdale insurance agent close to where you live, click the button link following the list.
Dan Vukovic – State Farm Insurance Agent
7077 E Bell Rd #207 – Scottsdale, AZ 85254 – (480) 949-5433
Palomino Insurance Agency
8889 E Bell Rd – Scottsdale, AZ 85260 – (480) 483-8000
Vanyo Insurance Group
8040 E Morgan Trail #5A – Scottsdale, AZ 85258 – (480) 998-4014
Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400
Jordan Bowden – State Farm Insurance Agent
10135 E Vía Linda D127 – Scottsdale, AZ 85258 – (480) 634-6315
Tips for finding more affordable auto insurance for 17 year olds
The list below details a few penny-pinching suggestions that can help drivers buy cheaper coverage.
- Vehicles with safetly features generally cost less to insure
- Bundle home and auto and save
- Speeding tickets and other violations increase rates
- Avoid price increases by not filing claims
- Don’t waste money on full coverage for older vehicles
- Avoid preventable accidents
- Compare price quotes at least once a year
The last tip in the list is extraordinarily necessary, as we stressed in this write-up. Insurance prices fluctuate constantly, so don’t be tentative to buy from a new company if a cheaper rate is available.
Loyalty to a specific company is fine, but we do not recommend it if that devotion results in you overpaying hundreds every year. It only take a few minutes to shop around to find cheaper auto insurance for 17 year olds in Scottsdale.