The words “bargain” and “auto insurance” really should not be used together, especially when you are shopping around for the best car insurance rates for teenage females. Because it’s not cheap, let’s teach you some of the things that have an effect on insurance prices, and come up with some ideas to slash the price of the next policy you buy.
For teen girls, one of the big criteria that help determine the price you pay for insurance is where you call home. Cities with larger populations are more likely to pay higher prices, whereas less populated areas benefit from lower prices.
The information below rates the priciest cities in Arizona for teenage females to buy an auto insurance policy in. Scottsdale makes the list at #8 costing $1,129 for the average insurance policy, which is around $94 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,196 |
| 5 | Gilbert | $1,154 |
| 6 | Mesa | $1,147 |
| 7 | Tempe | $1,140 |
| 8 | Scottsdale | $1,129 |
| 9 | Peoria | $1,126 |
| 10 | Chandler | $1,126 |
| 11 | Maricopa | $1,118 |
| 12 | Buckeye | $1,110 |
| 13 | Goodyear | $1,098 |
| 14 | Tucson | $1,094 |
| 15 | Surprise | $1,080 |
| 16 | Catalina Foothills | $1,050 |
| 17 | Casa Grande | $1,047 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $992 |
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Price information shown is approximated as the specific area where the vehicle is garaged can modify premium rates noticeably.
The make and model of vehicle requiring coverage is one of the largest factors that determines whether or not you can buy the lowest-priced insurance for teenage females. Vehicles with limited speed and performance, advanced safety features, or a low likelihood of having liability claims will cost much less to insure than higher performance models.
The next list presents coverage premiums for a selection of the most affordable vehicles to insure in Arizona.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $5,087 |
| Hyundai Elantra GLS Touring Station Wagon | $5,094 |
| Ford Escape Limited 2WD | $5,133 |
| Toyota Prius | $5,487 |
| Honda Odyssey LX | $5,677 |
| Chevrolet Impala LS | $5,986 |
| Ford Edge SEL 2WD | $5,993 |
| Volkswagen Jetta LE 4-Dr Sedan | $6,032 |
| Toyota RAV4 Limited 2WD | $6,040 |
| Toyota Camry LE | $6,032 |
| Jeep Grand Cherokee Laredo 4WD | $6,040 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $6,078 |
| Ford Explorer Limited 2WD | $6,088 |
| Dodge Grand Caravan Crew | $6,078 |
| Chevrolet Malibu LT | $6,086 |
| Ford F-150 XLT Crew Cab 4WD | $6,078 |
| Toyota Corolla S | $6,343 |
| GMC Sierra 2500HD SLE Extended Cab 4WD | $6,389 |
| GMC Sierra SLE Crew Cab 2WD | $6,396 |
| Chevrolet Equinox LTZ 2WD | $6,389 |
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Prices based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in specific garaging location which can affect coverage prices noticeably.
Based upon the table data, you can assume that vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape are likely to be the most economical vehicles to insure for teen girls. The price for an auto insurance policy will trend higher because there is more claim risk for teenage females, but overall those vehicles will most likely have the lowest insurance rates possible.
Finding out which company offers the cheapest car insurance rates for teenage females requires a bit more effort than just quoting one company’s rates. Every auto insurer has their own process for setting prices, so let’s take a look at the car insurance companies with the most affordable rates in Arizona.
It’s a good idea to know that Scottsdale car insurance rates are calculated based on many things that will increase or decrease the price of your policy. Improving your credit score, increasing deductibles, or having an accident can produce rate changes that can make some companies more affordable than the competition.
Cheapest Insurance Rates for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
| Get a Custom Quote Go | ||
The Hartford has some of the best car insurance rates in Scottsdale at around $820 annually. This is $608 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the cheaper Scottsdale, AZ insurance companies.
As depicted above, if you currently have coverage with Travelers and switched to Auto-Owners, you could see a yearly savings of about $220. Arizona drivers with USAA might save as much as $225 a year, and Progressive customers might cut rates by $264 a year.
To see if your current coverage is too expensive, click here or quote prices from the following companies.
It’s important to note that these estimates are averages across all types of drivers and the different vehicles they drive and and are not calculated with a specific zip code for teenage females. So the auto insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That underscores the importance of why you need to get quotes using your own personal information and vehicle type.
The diagram below demonstrates how choosing different deductibles can impact insurance costs when researching cheap insurance for teenage females. The prices are based on a single male driver, full coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could reduce rates by $334 a year by increasing from a $100 deductible to a $500 deductible, or save $502 by using a $1,000 deductible. Even younger insureds, like the age 20 example, could lower their rates up to $1,114 every year just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be important to have emergency funds available to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Comparison of full coverage and liability-only policies
Finding the cheapest car insurance is probably important to the majority of drivers, and an effective way to pay less for insurance for teenage females is to not buy comprehensive and collision coverage. The chart below compares auto insurance rates with and without physical damage coverage. Data assumes no claims or driving citations, $250 deductibles, single status, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, full coverage on your policy costs $1,579 per year more than buying just liability insurance. At some point, about every driver wonders if it’s worth it to buy full coverage. There isn’t a written rule of when to exclude full coverage on your policy, but there is a general convention. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then you may need to consider dropping full coverage.
There are some situations where dropping physical damage coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage to satisfy the loan requirements. Also, if your savings is not enough to buy a different vehicle if your current one is damaged, you should maintain full coverage.
Why you should be shopping around
Arizona car insurance rates are based on many factors that will increase or decrease the cost of coverage. Simply having another birthday, buying a different home, or getting a speeding ticket can trigger price changes that can now make some companies more affordable than competitors.
In addition, companies amend pricing as needed to adjust for heavy claims or excess profits. Higher than usual claims may cause more expensive prices, while better underwriting can result in more affordable Scottsdale car insurance rates.
To help illustrate this point, the bar chart below shows the cheapest car insurance in Scottsdale, AZ for a 30-year-old female driver with no violations or accidents, and a decent credit rating. When quoting prices based on her current rating profile, The Hartford might quote the cheapest car insurance rates in Scottsdale at $1,084 a year. This is $344 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the best Scottsdale, AZ auto insurance companies.
Now we will give the driver from the first example a chargeable accident, a lower credit score, and a blemish on her driving record. Since every car insurance company has their own formula to set premium rates, comparing insurance quotes may now result in a substantially altered list of companies as shown below.
Progressive now has the best price on car insurance in Scottsdale with Allied, Auto-Owners, Ameriprise Group, and CSAA now being in the top five. This example demonstrates why drivers need to compare rates to get cheap car insurance quotes for teenage females.
Car insurance prices can be determined by many factors and change frequently, so the cheapest company three years ago may now be one of the more expensive options.
The Scottsdale, AZ, insurance agents below can most likely aid you in deciding which coverages you need, as many people would rather have some professional guidance when comparing insurance rates for teenage females. It can be hard to find the best rates on your own, so insurance agents licensed in the state of Arizona can give peace of mind knowing your coverage gives you adequate protection in case of an accident or claim. To locate a Scottsdale auto insurance agent using an interactive map, click the button at the bottom of the list.
- Farmers Insurance: David Kulwin Agency
8238 E Thomas Rd – Scottsdale, AZ 85251 – (480) 505-1220 - Greene Insurance Group
17470 N Pacesetter Way – Scottsdale, AZ 85255 – (480) 657-2800 - Bennett and Porter Insurance | Wealth Management
3200 N Hayden Rd #310 – Scottsdale, AZ 85251 – (480) 212-1150 - American Family Insurance – Winston Vineyard Agency LLC
9280 E Raintree Dr Ste 103 – Scottsdale, AZ 85260 – (480) 951-8890