Finding dependable, reasonably-priced car insurance is challenging, and finding out which company offers the best auto insurance rates for 19 year olds will involve even more work. Each company has a different formula for determining rates, so first let’s look at the rankings for the most budget-friendly auto insurance companies in Arizona.
It’s important that you understand Arizona auto insurance rates are impacted by many factors which can substantially decrease or increase the cost of a policy. This price fluctuation is why it is so important to perform an extensive rate comparison when trying to find the cheapest auto insurance quotes for 19 year olds. Car insurance prices consist of many different factors and change dramatically, so the best price a year ago may now be costing you a lot of money.
Best Auto Insurance Prices for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,213 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,478 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
| Quote Your Rates Go | ||
The Hartford may offer some of the best car insurance rates in Tucson at around $836 each year. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the cheaper Tucson, AZ auto insurance companies.
In the above rates, if you are currently insured with Travelers and switched to Safeco, you may see an annual premium reduction of in the neighborhood of $190. Drivers with USAA could save as much as $217 a year, and Progressive insureds might reduce rates by $222 a year.
If you want to see how much you could save, click here to start your custom quote or quote prices from the following companies.
Be aware that those premium estimates are averaged for all drivers and vehicles and are not factoring in an exact location for 19 year olds. So the insurer that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That’s why you need to quote rates from as many companies as possible using your own specific driver and vehicle information.
The vehicle that needs insurance is a large factor that determines whether or not you find cheap auto insurance for 19 year olds. Vehicles with high performance, poor safety ratings, or a track record of large liability claims will cost much more to insure than more economical and safe models.
The list below estimates insurance prices for a handful of the most economical vehicles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,246 |
| Ford Escape XLS 4WD | $1,366 |
| Toyota Tacoma 4WD | $1,397 |
| Honda Civic DX 4-Dr Sedan | $1,447 |
| Toyota RAV4 Limited 4WD | $1,475 |
| Chevrolet Malibu LS | $1,482 |
| Hyundai Elantra SE Touring Station Wagon | $1,485 |
| Ford F-150 Lariat Super Cab 2WD | $1,502 |
| Toyota Prius | $1,517 |
| Toyota Camry SE | $1,555 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,564 |
| Chevrolet Equinox LTZ AWD | $1,583 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,600 |
| Start Your Quote Go | |
Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in specific Tucson, AZ garaging location which can alter premium rates noticeably.
Looking at the numbers, cars like the Honda CR-V, Ford Escape, Toyota Tacoma, and Honda Civic are most likely going to be some of the most budget-friendly vehicles to insure for teenage drivers.
One of the more important factors that are looked at to determine car insurance rates is where you live in Tucson. Areas with a lot of weather claims or more people tend to have higher rates, whereas areas with less crime or weather claims have the luxury of lower rates.
The next table lists the most expensive cities in Arizona for 19 year olds to purchase a policy in. Tucson ranks #15 with a yearly cost of $1,061 for the average insurance policy, which is approximately $88 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Avondale | $1,222 |
| 3 | Phoenix | $1,218 |
| 4 | San Tan Valley | $1,185 |
| 5 | Buckeye | $1,156 |
| 6 | Scottsdale | $1,151 |
| 7 | Mesa | $1,147 |
| 8 | Tempe | $1,140 |
| 9 | Peoria | $1,126 |
| 10 | Gilbert | $1,120 |
| 11 | Chandler | $1,115 |
| 12 | Goodyear | $1,087 |
| 13 | Maricopa | $1,074 |
| 14 | Casas Adobes | $1,072 |
| 15 | Tucson | $1,061 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $931 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $844 |
| Start a Quote Go | ||
Premium amounts are comparative as the specific zip code location can increase or decrease prices considerably.
The example below illustrates how your deductible choice can raise or lower insurance premiums when searching for cheap insurance for 19 year olds. The costs are based on a married male driver, full coverage, and no policy discounts are applied.
A 30-year-old driver could save $312 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $468 by switching to a $1,000 deductible. Younger drivers, like the Age 20 category, could save up to $950 or more just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is important to have additional funds in a savings account to allow you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Best auto insurance company in Arizona
Choosing a high-quality company is hard considering how many companies sell coverage in Arizona. The ranking data in the next section could help you decide which auto insurers to look at when looking for cheaper rates. These rankings are for major nationwide insurance companies, so smaller companies are not included in the list.
Top 10 Large Auto Insurance Providers in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
How to find economical car insurance for 19 year olds
Here are many money-saving solutions that can help Arizona drivers quote low-cost coverage.
- Buy a car with high safety ratings
- Pay cheaper rates with good credit scores
- Try to not file small claims
- Bundle home and auto and earn a discount
- Increase deductibles to save money
- Assess whether full coverage is needed
- Compare rates regularly to ensure the best deal
The last idea is certainly vital, as was affirmed in this article. Rates in Tucson change constantly, so you should be ready to switch companies if a lower-cost policy is available.
Having a favorite company is fine, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, shop around to find cheaper car insurance for 19 year olds.
The auto insurance agents in Tucson shown below can aid you in deciding which car insurance company is the best fit, since lots of drivers aren’t clear which coverage they need and would like to get some guidance when shopping for cheaper insurance for teenage drivers. It’s not always easy to find the best policy yourself, and insurance agents can add comfort knowing your policy gives you decent coverage if you have a claim.
To locate an agency using an interactive map, click the link at the bottom.
John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737
Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016
American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734