Wouldn’t it be excellent if we could tell you instantly one specific company that has the cheapest rate quotes for teenage males? It’s not that simple, unfortunately, as there are a whole bunch of unknown factors like what level of deductibles you need, the neighborhood you live in, your financial responsibility, and if you own a home. We are going to cover these factors and others that can influence the price of auto insurance and will hopefully give you a good start to your coverage search.
The type of vehicle you are seeking coverage for is one of the largest factors when trying to find the best cheap car insurance for teenage males. Vehicles with high performance engines, a lack of safety features, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models.
The table below features coverage costs for a selection of the most budget-friendly automobiles to insure in Arizona.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$6,620|
|Honda CR-V EX-L 2WD||$6,683|
|Hyundai Elantra SE Touring Station Wagon||$7,088|
|Honda Odyssey LX||$7,386|
|Ford Explorer XLT 2WD||$7,449|
|Volkswagen Jetta 2.0T Station Wagon||$7,557|
|Chevrolet Malibu Hybrid||$7,854|
|GMC Sierra SLE Crew Cab 2WD||$7,864|
|Chevrolet Impala LT||$7,854|
|Toyota Camry LE||$7,861|
|Toyota RAV4 4WD||$7,854|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$7,918|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$7,924|
|Dodge Grand Caravan Crew||$7,918|
|Ford F-150 FX2 2WD||$7,927|
|Toyota Corolla S||$8,260|
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Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in Scottsdale, AZ location which can modify premium rates substantially.
Based upon the table data, cars like the Ford Escape, Honda CR-V, and Hyundai Elantra are some of the most budget-friendly vehicles to insure for teen boys. Prices will trend higher just due to the fact that there is a higher risk for teenage males, but generally speaking those specific models will probably have the best insurance prices possible.
Finding out which insurers offer the best auto insurance rates for teenage males will take a tad more effort than just quoting one company’s rates. Each auto insurer uses a slightly different approach to set premium rates, so let’s take a look at the most budget-friendly auto insurance companies in Scottsdale.
Keep in mind that Scottsdale auto insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, having a teen driver, or getting caught speeding can trigger price changes that can make some companies more affordable than others.
Find the Cheapest Auto Insurance for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,285|
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The Hartford quotes some of the best car insurance rates in Scottsdale at around $811 per year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheaper Scottsdale, AZ insurance companies.
In the above rates, if you currently have coverage with USAA and switched to Safeco, you could see savings of roughly $208. Customers with Progressive may save as much as $213 a year, and GEICO insureds might cut rates by $237 a year.
To find the cheapest rates for your vehicle, click here to get a free quote or feel free to get quotes from the companies below.
Bear in mind that those policy rates are averages for all drivers and vehicles in Arizona and do not take into consideration a vehicle location for teenage males. So the auto insurance company that has the lowest price for you may not even be in the list above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.
One of the more important components that help determine the amount you pay each year for auto insurance is where you live in Scottsdale. More populated areas tend to have higher rates, whereas less populated areas have the luxury of cheap car insurance rates.
The next table shows the priciest cities in Arizona for teenage males to purchase car insurance in. Scottsdale comes in at #11 having an annual price of $1,117 for the average insured, which is about $93 monthly.
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$852|
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Information shown are estimated as the specific Scottsdale residence address can increase or decrease coverage rates noticeably.
Get discount Scottsdale auto insurance
Car insurance companies that provide policies for teenage males may also give you price discounts that can lower rates by as much as 40% or more if you meet certain criteria. A list of companies and a summarized list of policyholder discounts are included below.
- Progressive offers discounts including online quote discount, continuous coverage, online signing, good student, multi-policy, and homeowner.
- GEICO policyholders can earn discounts including emergency military deployment, air bags, anti-theft, defensive driver, and multi-policy.
- State Farm offers premium reductions for accident-free, student away at school, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, and driver’s education.
- Esurance may have discounts that include anti-lock brakes, good driver, online quote, multi-car, multi-policy, and renters.
- The Hartford offers discounts for good student, defensive driver, vehicle fuel type, driver training, anti-theft, bundle, and air bag.
The information below shows the difference between insurance rates with and without discounts. The premiums are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with continuous coverage, vehicle safety, anti-theft, paid-in-full, paperless filing, and good student discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for teenage males is 28% or $574.
The diagram below demonstrates how deductibles can raise or lower insurance prices when trying to find cheap insurance for teenage males. The price estimates are based on a single male driver, full physical damage coverage, and no discounts are factored in.
In the chart above, a 30-year-old driver could pocket $384 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $580 by changing to a $1,000 deductible. Even younger insureds, like the age 20 example, can cut $1,138 or even more just by choosing larger deductibles. If you do make the decision to raise your deductibles, it will be required to have additional funds squirreled away to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Choosing the right insurer can be a challenge considering how many choices you have in Scottsdale. The company ratings below may help you analyze which auto insurance companies to look at comparing rate quotes with. These ratings only include large nationwide companies, so companies with more of a regional focus will not be included in these rankings.
Top 10 Large Auto Insurers 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%
Top 10 Large Auto Insurers in Scottsdale Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm