The words “economical” and “insurance” probably shouldn’t be used together, in particular when shopping around for the cheapest car insurance for teenage females. Let’s take a look at some things that impact car insurance rates, and see how we can help you shave a little off your next policy.
One of the more important criteria that aid in calculating the price you pay for insurance is the neighborhood you call home in Tucson. Areas with a lot of weather claims or more people tend to have more expensive car insurance rates, whereas less populated areas tend to receive slightly lower rates.
The information below sorts the most expensive cities in Arizona for teenage females in which to purchase auto insurance. Tucson ranks #18 costing $1,061 for the average policyholder, which is approximately $88 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | San Tan Valley | $1,185 |
| 4 | Glendale | $1,178 |
| 5 | Tempe | $1,152 |
| 6 | Goodyear | $1,131 |
| 7 | Chandler | $1,126 |
| 8 | Mesa | $1,125 |
| 9 | Scottsdale | $1,117 |
| 10 | Buckeye | $1,110 |
| 11 | Gilbert | $1,108 |
| 12 | Maricopa | $1,107 |
| 13 | Peoria | $1,104 |
| 14 | Surprise | $1,080 |
| 15 | Casa Grande | $1,079 |
| 16 | Casas Adobes | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Tucson | $1,061 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $941 |
| 22 | Prescott | $924 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $852 |
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Rates are approximated as the specific zip code location can lower or raise insurance rates considerably.
The make and model of vehicle requiring coverage is probably the biggest factor when shopping for low-priced auto insurance for teenage females. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than more economical and safe models. The list below showcases coverage prices for a number of the more affordable automobiles to insure.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX 4-Dr Sedan | $4,446 |
| Honda CR-V LX 4WD | $4,456 |
| Ford Escape Limited 4WD | $4,770 |
| Toyota Prius | $4,814 |
| Ford F-150 XL Regular Cab 4WD | $4,994 |
| Ford Explorer XLT 2WD | $5,004 |
| Toyota RAV4 2WD | $5,275 |
| Chevrolet Impala LT | $5,282 |
| Dodge Grand Caravan Hero | $5,275 |
| Chevrolet Malibu Hybrid | $5,281 |
| Chevrolet Equinox LT AWD | $5,275 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,320 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $5,509 |
| Hyundai Elantra Blue 4-Dr Sedan | $5,514 |
| Ford Focus SES 4-Dr Sedan | $5,519 |
| Honda Odyssey EX-L W/Rear Entertainment | $5,557 |
| Ford Edge Sport AWD | $5,564 |
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Table data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium amounts do not factor in your specific Tucson, AZ location which can alter prices substantially.
Looking at the data, you can figure that vehicles like the Honda Accord, Honda CR-V, and Ford Escape are going to be some of the more affordable vehicles to insure for teen girls. The cost of auto insurance will be more costly just because there is more liability risk for teenage females, but generally speaking those makes and models will probably have the best insurance prices possible.
Get discounts on Tucson auto insurance
Insurers that sell policies for teenage females may also provide special discounts that may potentially lower prices by as much as 35% if you are eligible. Companies and a selection of discounts can be found below.
- State Farm discounts include multiple policy, anti-theft, good driver, safe vehicle, driver’s education, Drive Safe & Save, and good student.
- GEICO includes discounts for military active duty, driver training, multi-vehicle, defensive driver, anti-lock brakes, and emergency military deployment.
- Allstate has discounts for new car, anti-theft, eSmart discount, safe driver, and early signing.
- SAFECO policyholders can earn discounts including safe driver, teen safety rewards, anti-theft, homeowner, accident prevention training, multi-car, and bundle discounts.
- Farm Bureau may offer discounts for youthful driver, good student, multi-vehicle, driver training, safe driver, renewal discount, and multi-policy.
- Progressive offers discounts for continuous coverage, multi-vehicle, online signing, good student, online quote discount, and multi-policy.
- AAA offers premium reductions for good student, education and occupation, multi-policy, pay-in-full, AAA membership discount, and good driver.
The diagram below compares insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no accidents or driving violations, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with good student, anti-theft, vehicle safety, passive restraint, paid-in-full, and paperless filing discounts applied. When discounts are applied, the average amount saved each year on car insurance for teenage females is 28% or $753.
Which car insurance company is best in Arizona?
Choosing the top car insurance company can be a challenge considering how many companies are available to choose from in Arizona. The company rank data in the next section can help you select which car insurance providers you want to consider when comparing rates. These rankings are only made up of companies that write coverage in many states, so companies that have a smaller presence will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
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Data Source: Insure.com Best Car Insurance Companies
Why you should compare rates
Tucson, AZ car insurance rates are impacted by many things that can increase the policy price. Improving your credit rating, increasing deductibles, or getting a ticket for careless driving can trigger changes in premium that can now make some companies more affordable than before. In addition, companies modify pricing as needed to adjust for gains or losses. Higher than normal claim frequency or severity can result in higher rates, while profitable underwriting can produce lower-priced Tucson car insurance rates.
For example, the bar chart below shows the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with no prior claims, no tickets, and good financial standing. If we look at prices based on her current rating profile, The Hartford may have the most affordable car insurance rates in Tucson at $1,010 annually. This is $418 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the top five cheapest Tucson, AZ auto insurance companies.
Now let’s give the driver from the first rate comparison a chargeable claim, bad credit, and a few traffic violations. Since each insurance company uses their own formula to establish rates, getting updated rate quotes may result in a different set of companies as shown below.
GEICO now has the cheapest rate in Tucson with CSAA, Allied, Ameriprise Group, and Auto-Owners now rounding out the top five. This example illustrates why it is so important to do a thorough rate comparison when trying to get the lowest auto insurance rates for teenage females. Insurance prices are calculated by many different factors and can change without notice, so the most economical option when you last compared rates may now not even be in the top five.