One of the more important factors that are used to help calculate the cost of insurance is the neighborhood you call home in Scottsdale. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with less crime or weather claims tend to receive cheaper rates.
The following table lists the most expensive cities in Arizona for 18 year olds to purchase car insurance in. Scottsdale is ranked at #5 costing $1,163 for the average policy, which is around $97 per month.
|3||San Tan Valley||$1,185|
|25||Lake Havasu City||$844|
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Rate information is estimated as specific location information can lower or raise prices considerably.
Finding low-cost insurance is tough enough, and deciding which companies offer the most affordable auto insurance rates for 18 year olds requires even more diligence. Every auto insurer uses different criteria to set premium rates, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Arizona.
It’s important that you understand Arizona auto insurance rates are impacted by many factors which can substantially change your annual premium. Improving your credit score, buying a home, or getting a speeding ticket can cause premium changes that can cause some rates to be cheaper than competitors.
Find the Cheapest Car Insurance for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford quotes some of the best car insurance rates in Scottsdale at around $836 annually. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also be considered some of the best Scottsdale, AZ insurance companies.
In the above example, if you are a policyholder with Travelers and switched to Auto-Owners, you could earn a yearly price reduction of roughly $222. Policyholders with Progressive could save as much as $233 a year, and GEICO customers might cut rates by $234 a year.
Remember that these premium estimates are averages across all drivers and vehicles in Arizona and and are not figured with a specific location for 18 year olds. So the auto insurance company that has the cheapest rates for you may not even be in the top 28 companies shown above. That point stresses why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV you are trying to insure is probably the most important factor that determines the availability of cheaper coverage for 18 year olds. Vehicles with high performance, a lack of advanced safety features, or high incidents of liability claims will cost substantially more to insure than more modest models.
The information below illustrates auto insurance premiums for the most economical automobiles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$4,285|
|Honda CR-V EX-L 4WD||$4,332|
|Ford Explorer XLT 4WD||$4,797|
|Dodge Grand Caravan CV||$4,807|
|Honda Odyssey EX W/Rear Entertainment||$5,038|
|Chevrolet Impala LT||$5,085|
|Jeep Grand Cherokee Laredo 2WD||$5,095|
|Toyota RAV4 Sport 2WD||$5,085|
|Volkswagen Jetta LE 4-Dr Sedan||$5,095|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$5,132|
|Ford F-150 Lariat Crew Cab 4WD||$5,139|
|Chevrolet Malibu LT||$5,132|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$5,280|
|Hyundai Elantra GLS 4-Dr Sedan||$5,376|
|Ford Edge Limited AWD||$5,382|
|Nissan Altima 2.5 S 4-Dr Sedan||$5,376|
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Data rating is based on single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific zip code location which can impact premiums substantially.
Looking at the data, you can see that cars like the Ford Escape, Honda CR-V, Toyota Prius, and Ford Explorer should be the most affordable vehicles to insure for teen drivers. Prices will tend to be higher just because there is more claim risk for 18 year olds, but generally speaking those particular models will most likely have the lowest insurance rates that you’ll find.
Should you buy full coverage?
Lowering the price of auto insurance should be important to the majority of vehicle owners, and one of the best ways to find cheaper insurance for 18 year olds is to only buy liability insurance. The illustration below shows the difference between auto insurance rates with and without physical damage coverage. The data is based on no claims or driving violations, $500 deductibles, single marital status, and no discounts are applied.
If all age groups are averaged, physical damage coverage costs $1,889 per year over and above liability coverage. Many drivers may wonder when is the right time to remove full coverage. There is no set guideline to exclude physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
Selecting the best auto insurance company is hard considering how many companies sell insurance in Scottsdale. The ranking data in the lists below can help you decide which companies to look at when shopping your coverage around.
The ratings below are only comprised of major nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not taken into consideration for the list. To view rates and find cheaper insurance for 18 year olds, click this link.
Top 10 Major Car Insurance Companies in Scottsdale Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Major Car Insurance Companies in Scottsdale Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
How to find budget-friendly insurance for 18 year olds
Here are many money-saving solutions that can help you find cheaper coverage.
- Do not get into accidents
- Improve your credit score
- Do not pay for full coverage if not needed
- Vehicles with safetly features generally cost less to insure
- Buy your homeowners policy from the same company as your auto insurance
- Comparison shop frequently
The last tip in the list is highly critical, as we pointed out in the prior article. Car insurance rates adjust often, so you should be ready to switch carriers if a cheaper price is available.
Many drivers prefer to stick with one company, but it’s not recommended if that loyalty ends up costing hundreds every year. It only take a few minutes to compare prices to find cheaper insurance for 18 year olds in Scottsdale.
The agencies below can help you determine which coverages are best, since some people prefer to get some help when comparing insurance rates for 18 year olds. It’s not always simple to do it yourself, and agents can provide you comfort knowing your coverage gives you sufficient coverage at claim time.
To locate a Scottsdale auto insurance agent close to where you live, click the button link following the list.
- Desert Mountain Insurance Services – Medical Malpractice
2918 N 67th Pl – Scottsdale, AZ 85251 – (480) 348-2200
- Colonial General Insurance Co
8475 E Hartford Dr – Scottsdale, AZ 85255 – (480) 991-7889
- Shar Roos – State Farm Insurance Agent
9393 N 90th St Ste 108C – Scottsdale, AZ 85258 – (480) 478-6968