The make and model of vehicle needing coverage is a large factor when shopping for low-priced auto insurance for first-time drivers. Vehicles with lower performance, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next table showcases insurance costs for a handful of the most budget-friendly automobiles to insure in Arizona.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$5,573|
|Honda CR-V EX 4WD||$5,632|
|Hyundai Elantra SE Touring Station Wagon||$5,997|
|Dodge Grand Caravan CV||$6,255|
|Jeep Wrangler Rubicon 4WD 2-Dr||$6,261|
|Ford Explorer Eddie Bauer 2WD||$6,255|
|Ford Focus S 4-Dr Sedan||$6,562|
|GMC Sierra SLE Regular Cab 2WD||$6,620|
|Chevrolet Equinox LS 2WD||$6,626|
|Nissan Altima 2.5 4-Dr Sedan||$6,620|
|Toyota Tacoma Double Cab 4WD||$6,627|
|Chevrolet Malibu Hybrid||$6,620|
|Jeep Grand Cherokee Laredo 4WD||$6,630|
|Toyota RAV4 2WD||$6,620|
|Ford Edge Sport 2WD||$6,983|
|Honda Odyssey EX-L W/Navigation||$6,991|
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Prices based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in vehicle garaging location which can alter auto insurance rates considerably.
Looking at the numbers, vehicles like the Ford Escape, Honda CR-V, Hyundai Elantra, and Toyota Prius are most likely to be the less-costly vehicles to insure for new drivers. The price of auto insurance will be more costly because there is more liability risk for first-time drivers, but generally speaking those models will most likely have the cheapest car insurance rates that you are likely to find.
Buying cost effective car insurance is difficult, and finding out which insurers offer the most affordable auto insurance rates for first-time drivers will involve even more perseverance.
Each company has their own process to set premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Scottsdale. It’s a good idea to know that Scottsdale auto insurance rates are based on many factors which can significantly increase or decrease the policy price. Getting older, marrying your spouse, or having a fender bender may prompt premium changes that may make certain companies more expensive than competitors.
Best Auto Insurance Prices for Inexperienced Drivers
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford generally has some of the most affordable car insurance rates in Scottsdale at around $836 annually. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the most economical Scottsdale, AZ auto insurance companies.
As shown in the table above, if you currently have coverage with Auto-Owners and switched to The Hartford, you could earn savings of in the neighborhood of $52. Policyholders with Safeco may save as much as $60 a year, and Travelers insureds might reduce prices by as much as $272 a year.
Understand that those rates are averaged across all drivers and vehicles in Arizona and are not factoring in a specific vehicle garaging location for first-time drivers. So the insurer that has the lowest price for you may not even be in the top 28 companies in the list above. That point stresses why you need to get quotes using your own specific driver and vehicle information.
Discount Scottsdale car insurance rates
Auto insurance companies that offer quotes for first-time drivers may additionally offer special discounts that could lower prices by as much as 30% if you qualify for them. Companies and some of the premium reductions they offer are included below.
- State Farm may have discounts that include anti-theft, student away at school, Drive Safe & Save, good student, good driver, passive restraint, and driver’s education.
- American Family offers discounts for multi-vehicle, Steer into Savings, good driver, defensive driver, air bags, accident-free, and good student.
- AAA policyholders can earn discounts including multi-car, anti-theft, multi-policy, good driver, and education and occupation.
- GEICO offers discounts including membership and employees, good student, anti-lock brakes, defensive driver, air bags, and federal employee.
- Mercury Insurance may include discounts for annual mileage, good driver, accident-free, type of vehicle, and good student.
- Farmers Insurance has discounts for homeowner, mature driver, electronic funds transfer, youthful driver, bundle discounts, and multi-car.
- Progressive discounts include online quote discount, online signing, continuous coverage, multi-vehicle, and multi-policy.
The information below visualizes the comparison of auto insurance rates with and without discounts applied to the policy premium. The rates are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with continuous coverage, passive restraint, paid-in-full, anti-theft, paperless filing, and vehicle safety discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for first-time drivers is 28% or $564.
The information below shows how choosing a deductible can change yearly insurance costs when quoting cheap insurance for first-time drivers. The premiums assume a married female driver, full physical damage coverage, and no discounts are applied.
As shown above, a 50-year-old driver could reduce rates by $206 a year by increasing from a $100 deductible to a $500 deductible, or save $310 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could potentially save as much as $508 or more by using a higher deductible. When using a larger deductible, it will be required to have plenty of money set aside to be able to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Can you find cheaper Scottsdale car insurance?
Scottsdale, AZ auto insurance rates are impacted by many factors that may substantially change the cost of your policy. Improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign can trigger price changes that can make some companies much cheaper than others.
In addition, auto insurance companies change premium rates every year to adjust for heavy claims or excess profits. Significantly higher losses may result in high rates, while a profitable period can produce cheaper Scottsdale car insurance rates.
The chart below shows the cheapest car insurance in Scottsdale, AZ for a 30-year-old male driver with a good driving record, no prior claims, and great credit. If we estimate prices based on his current situation, The Hartford may offer the cheapest car insurance rates in Scottsdale at $1,108 each year. This is $320 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the most affordable Scottsdale, AZ auto insurance companies.
Now let’s give the driver in the first example an accident claim, a lower credit rating, and a stop sign violation. Since every insurance provider uses a different method to determining premium rates, analyzing rates could now result in a different set of the cheapest car insurance companies in Scottsdale as shown below.
GEICO now has the cheapest car insurance in Scottsdale, AZ with Ameriprise Group, CSAA, Allied, and Safeco also having competitive pricing. This illustrates why it is critical to shop around with many companies to get the best car insurance quotes for first-time drivers.
Prices consist of many risk factors and change dramatically, so the best option the last time you checked may now cost much more than other companies.
How to find the cheapest car insurance for first-time drivers
Lowering your rates is not difficult, and here are some money-saving solutions that can help drivers buy lower-cost car insurance.
- Good credit can help you save money
- Vehicles with safetly features generally cost less to insure
- You will pay more if you get tickets or have at-fault accidents
- Having at-fault accidents will increase rates
- Raise your deductibles
- Full coverage is expensive so only insure older vehicles for liability only
- Compare rate quotes frequently
The last tip in the list is especially important, as was emphasized in this article. Prices adjust frequently, so don’t be afraid to switch carriers if you find a cheaper price. Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that dedication is costing a considerable chunk of change every month. It takes less than five minutes to compare rates to find cheaper car insurance for first-time drivers in Scottsdale.
If you like to get some professional advice when shopping for the best coverage for new drivers, the agents listed below are willing to answer your questions and help you decide which coverage meets your needs best.
To find an auto insurance agency by location nearest to you, click the button following the list or click here to compare price quotes.
- Brad Dunlap – State Farm® Insurance Agent
8436 E Shea Blvd c103 – Scottsdale, AZ 85260 – (480) 661-0801
- Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968
- Joe Dufek – State Farm Insurance Agent
5425 E Bell Rd #108 – Scottsdale, AZ 85254 – (602) 493-5300