Comparing rates for cheap car insurance is not most people’s favorite thing to do, and figuring out which companies quote the most affordable insurance rates for 20 year old guys involves even more shopping around. Each auto insurance company has a different process to establish rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Arizona.
We do need to point out that Arizona insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Improving your credit score, marrying your spouse, or having an at-fault accident may prompt premium changes resulting in some rates now being affordable when they were higher priced.
Find Cheaper Auto Insurance for Men Age 20
The Hartford quotes some of the best car insurance rates in Scottsdale at around $845 per year. Safeco, Auto-Owners, Travelers, and USAA are also some of the cheapest Scottsdale, AZ auto insurance companies.
In the above example, if you have coverage with Travelers and switched to Safeco, you could realize a yearly savings of upwards of $190. Insureds with USAA could save as much as $217 a year, and Progressive policyholders might lower prices by up to $234 a year.
If you want to see how much you could save, click here to get a free quote or click several companies below for low rates.
Remember that these policy prices are averages across all drivers and vehicles and and are not figured with a specific zip code for 20 year old guys. So the insurer that fits your situation best may not even be in the top 28 companies shown above. That points out the importance of why you need to get quotes using your own specific driver information and vehicle.
The vehicle to be insured is one of the main factors that determines the availability of the most economical car insurance for 20 year old guys. Vehicles with lots of horsepower, poor safety ratings, or a high likelihood of having liability claims will cost much more to insure than safer, lower-performance models. The next list outlines auto insurance rates for a number of the more affordable automobiles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$3,703|
|Honda CR-V LX 2WD||$3,709|
|Honda Accord LX-P 4-Dr Sedan||$3,703|
|Hyundai Elantra GLS Touring Station Wagon||$3,713|
|Ford Edge SE 2WD||$4,067|
|Chevrolet Impala LS||$4,345|
|Toyota Tacoma 2WD||$4,353|
|Dodge Grand Caravan Hero||$4,401|
|Jeep Grand Cherokee Laredo 2WD||$4,407|
|Chevrolet Equinox LS AWD||$4,401|
|Toyota RAV4 Limited 2WD||$4,408|
|Chevrolet Malibu LT||$4,455|
|Ford Explorer Limited AWD||$4,461|
|Nissan Altima 2.5 S 4-Dr Sedan||$4,676|
|Nissan Rogue S AWD||$4,714|
|Chevrolet Silverado LT Extended Cab 2WD||$4,723|
|Kia Optima LX||$4,714|
|Jeep Wrangler Unlimited Sahara 4WD 4-Dr||$4,727|
|Volkswagen Jetta SE 4-Dr Sedan||$4,730|
|Ford Fusion Sport 4-Dr Sedan||$4,738|
|Honda Odyssey Touring||$4,730|
|Toyota Corolla XRS||$4,738|
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Prices based on single male driver age 20, 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 vehicle garaging location which can modify premium rates considerably.
Looking at the data, we can tell that cars like the Ford Escape, Honda CR-V, Honda Accord, Hyundai Elantra, and Ford Edge should be some of the cheaper vehicles to insure for young men. Prices will be more costly because there is more claim exposure for 20 year old guys, but in general those vehicles will most likely have the cheapest rates that you are likely to find.
For young men, one of the largest things that determine car insurance rates is where you call home in Scottsdale. Regions with more people or even just more weather-related claims likely pay more, whereas less populated areas tend to receive slightly lower rates.
The following table shows the most expensive cities in Arizona for 20 year old guys to purchase car insurance in. Scottsdale is ranked #9 with the annual price of $1,117 for the average policyholder, which is approximately $93 per month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$870|
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Table data uses estimated as specific location information can affect premiums substantially.
How careless driving impacts Scottsdale insurance rates
One of the best ways to score cheap insurance premiums in Arizona for young men is to drive safe and have a clean driving record. The example below shows how traffic citations and accident claims influence car insurance costs for different age categories. The information is based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,447. Add in two speeding tickets and the average cost swells to $2,054, an increase of $606 each year. Then add in two accidents along with the two speeding tickets and the annual cost of insurance for 20 year old guys jumps again to an average of $4,442. That’s an increase of $2,995, or $250 per month, just for not driving safely!
Get discounts on Scottsdale insurance
Car insurance companies that offer coverage for 20 year old guys may also give you discounts that could lower prices by 30% or more if you meet the requirements. Larger insurance companies and some of the discounts are detailed below.
- Mercury Insurance includes discounts for multi-car, annual mileage, accident-free, low natural disaster claims, professional/association, type of vehicle, and multi-policy.
- Farmers Insurance offers discounts for good student, distant student, business and professional, switch companies, youthful driver, and bundle discounts.
- Farm Bureau has savings for safe driver, good student, youthful driver, driver training, 55 and retired, and multi-vehicle.
- State Farm offers premium reductions for multiple policy, good driver, Steer Clear safe driver discount, safe vehicle, anti-theft, accident-free, and multiple autos.
- Allstate discounts include good student, utility vehicle, premier plus, 55 and retired, eSmart discount, and good payer.
- GEICO may include discounts for membership and employees, five-year accident-free, military active duty, defensive driver, and good student.
The example below shows the comparison of insurance prices with and without policy discounts. The price estimates are based on a female driver, no claims, a clean driving record, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with continuous coverage, paperless filing, passive restraint, good student, anti-theft, and vehicle safety discounts applied. When taking advantage of discounts, theaverage yearly reduction on insurance for 20 year old guys is 21% or $382.
Compare rates to save
Scottsdale insurance rates are influenced by many factors that will increase or decrease the price you pay for coverage. Simply turning a year older, filing a claim, or having an accident can trigger rate changes resulting in some companies being much cheaper than others.
In addition, car insurance companies amend premium rates without warning in order to maintain liquidity for claims. Heavier than normal losses can cause rate hikes, while profitable underwriting may result in more affordable Scottsdale car insurance rates.
For instance, the data below shows rates for the cheapest car insurance in Scottsdale, AZ for a 45-year-old male driver with a clear driving record, no claims, and good financial standing. Based on his current risk factors, The Hartford has the best car insurance rates in Scottsdale at $1,138 annually. This is $290 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the most affordable Scottsdale, AZ auto insurance companies.
Now we will give the driver in the first example a chargeable claim, a lower credit rating, and a couple of points charged on his driving record. Because every insurance company has a unique formula for filing rates in each state, comparing quotes could now result in a new list of the cheapest car insurance companies in Scottsdale as shown below.
GEICO now has the best price in Scottsdale, AZ with Allied, Ameriprise Group, CSAA, and Farm Bureau Mutual now rounding out the top five. This example illustrates why drivers need to shop around to find the most economical car insurance rates for 20 year old guys. Rates consist of many different factors and change dramatically, so the best company six months ago may now be priced much higher than other options.