One of the more important factors that determine the amount you pay for auto insurance is where you live. More populated areas tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from lower rates.
The table below lists the priciest cities in Arizona for inexperienced drivers to purchase a policy in. Scottsdale makes the list at #4 costing $1,163 for the average policy, which is around $97 monthly.
|5||San Tan Valley||$1,150|
|24||Lake Havasu City||$870|
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Information shown are approximated as the specific Scottsdale residence address can lower or raise premium rates noticeably.
The make and model of vehicle you are insuring is one of the biggest factors when trying to find the best cheap insurance for inexperienced drivers. Vehicles with average performance, excellent safety ratings, or a low likelihood of liability claims will cost much less to insure than higher performance models. The list below showcases car insurance costs for a number of the most budget-friendly vehicles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,301|
|Honda CR-V EX-L 2WD||$1,330|
|Toyota RAV4 2WD||$1,540|
|Dodge Grand Caravan CV||$1,594|
|Ford F-150 FX2 Super Cab 2WD||$1,603|
|Ford Edge Sport 2WD||$1,625|
|Chevrolet Silverado LT Extended Cab 2WD||$1,648|
|Kia Optima LX||$1,657|
|Nissan Rogue S AWD||$1,648|
|Nissan Altima 3.5 SR 4-Dr Sedan||$1,656|
|Jeep Grand Cherokee SRT-8 4WD||$1,662|
|Chevrolet Malibu LTZ||$1,656|
|GMC Sierra SLE Crew Cab 2WD||$1,663|
|Volkswagen Jetta SE 2.5 Station Wagon||$1,674|
|Dodge Ram Quad Cab ST 4WD||$1,679|
|Chevrolet Equinox LT AWD||$1,687|
|Toyota Camry LE||$1,697|
|Honda Odyssey EX W/Rear Entertainment||$1,700|
|Jeep Wrangler Unlimited Sahara 2WD 4-Dr||$1,728|
|Toyota Tacoma Double Cab 4WD||$1,739|
|Hyundai Elantra Blue 4-Dr Sedan||$1,746|
|Ford Focus SES 4-Dr Sedan||$1,753|
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Data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rate information does not factor in specific location information which can revise auto insurance rates substantially.
Looking at the rates, you can figure that models like the Ford Escape, Honda CR-V, Toyota RAV4, and Dodge Grand Caravan are likely to be the more affordable vehicles to insure for new drivers.
Finding reliable, budget car insurance is not the easiest thing to do, and deciding which company offers the cheapest auto insurance rates for inexperienced drivers may require even more perseverance.
Each insurance company has their own formula to establish rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Scottsdale, AZ. We do need to point out that Scottsdale, AZ auto insurance rates are determined by lots of factors that can increase the price you have to pay. Improving your financial situation, moving across town, or getting a ticket for careless driving may prompt premium changes that can make some companies more affordable than before.
Find Cheaper Auto Insurance for Newbies
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the most affordable car insurance rates in Scottsdale at around $836 annually. Safeco, Auto-Owners, USAA, and Travelers would also be considered some of the cheaper Scottsdale, AZ insurance companies.
In the above example, if you have coverage with Safeco and switched to The Hartford, you could realize a yearly price reduction of roughly $60. Policyholders with Auto-Owners might save as much as $79 a year, and USAA policyholders might see rate reductions of $244 a year.
If you want to see how much you could save, click here to start your free quote or quote rates from the companies below.
Remember that these premiums are averaged for all types of insureds and vehicles and do not factor in an exact location for inexperienced drivers. So the company that is best for you may not even be in the top 28 companies in the list above. That helps illustrate why you need to compare prices as often as possible using your own driver information and specific vehicle type.
The chart below shows how different deductible levels can raise or lower insurance prices when researching cheap insurance for inexperienced drivers. The rate quotes are based on a married male driver, full coverage, and no policy discounts are applied.
The data above shows that a 30-year-old driver could lower their car insurance rates by $312 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $468 by changing to a $1,000 deductible. Youthful drivers, such as the 20-year-old example, can save $950 each year just by choosing higher deductibles when buying full coverage.
When raising deductibles, it will now be necessary to have enough spare savings to satisfy the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Get discount Scottsdale car insurance
Insurers that provide coverage for inexperienced drivers may have discounts that can lower rates by as much as 30% if you qualify for them. A list of auto insurance companies and some of their more popular discounts can be read below.
- The Hartford policyholders can earn discounts including bundle, anti-theft, vehicle fuel type, defensive driver, air bag, and good student.
- American Family offers discounts including TimeAway discount, defensive driver, Steer into Savings, good driver, mySafetyValet, air bags, and good student.
- Progressive discounts include multi-policy, online signing, online quote discount, homeowner, multi-vehicle, and good student.
- Travelers offers discounts for continuous insurance, driver training, student away at school, home ownership, payment discounts, and new car.
- Farmers Insurance may have discounts that include bundle discounts, distant student, multi-car, electronic funds transfer, mature driver, and early shopping.
- USAA may include discounts for annual mileage, vehicle storage, family discount, multi-vehicle, driver training, and new vehicle.
- Liberty Mutual has discounts for exclusive group savings, multi-car, newly retired, safety features, and good student.
The chart below illustrates the comparison of insurance costs with and without some available policy discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with accident-free, safe-driver, multiple policy, anti-theft, vehicle safety, and homeowner discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for inexperienced drivers is 28% or $475.
Full coverage or liability only
Finding cheaper auto insurance is important to most people, and one great way to find cheaper insurance for inexperienced drivers is to only pay for liability coverage. The example below compares premium costs with full coverage and liability only. The data assumes no driving violations, no at-fault accidents, $250 deductibles, drivers are single, and no discounts are applied to the premium.
If averaged for all ages, physical damage coverage on your policy costs $1,579 per year over and above liability coverage. That touches on the question if full coverage is worth the money. There is no written rule to delete comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
For example, let’s say your vehicle’s replacement cost is $9,000 and you have $1,000 deductibles. If your vehicle is totaled, the most you would get paid by your company is $8,000 after you pay the deductible. If it’s costing you more than $800 annually for full coverage, then it might be time to buy liability only.