Cheapest Teen Driver Auto Insurance in Arizona (10 Most Affordable Companies in 2024)

USAA, Geico, and Liberty Mutual have the cheapest teen driver auto insurance in Arizona, with rates starting as low as $73 per month for minimum coverage.

With the myriad of options available, including State Farm for student driver discounts and Nationwide for accident forgiveness, finding full auto insurance coverage tailored to young drivers’ needs is feasible.

Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Arizona

Explore your Arizona auto insurance options for teens below. Then, enter your ZIP code into our free comparison tool to see how much you might pay today.

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#1 – USAA: Top Pick Overall

Pros

• Low Rates: USAA is almost always the cheapest Arizona car insurance company, no matter what type of driver you are. See how USAA can keep its rates so low in our USAA auto insurance review.
• Excellent Customer Service: Understanding Arizona auto insurance laws and picking the right coverage can be confusing, especially for new drivers. However, USAA’s professional customer service representatives are ready to help.
• Good Student Savings: USAA offers 14 ways to save, including special savings for students who maintain a 3.0 GPA or better.

Cons

• Membership Requirements: You have to be a USAA member to buy car insurance from USAA. Only active or retired military members and their direct families are eligible for membership.
• Limited Local Offices: USAA maintains fewer brick-and-mortar stores to help keep rates low. Drivers who want ease of access to an office might be more comfortable elsewhere.

#2 – Geico: Best for Affordable Rates

Pros

• Affordability: Geico offers low Arizona auto insurance rates for teens. See how much you might pay in our Geico auto insurance review.
• DriveEasy: Young drivers can earn a discount of up to 25% by enrolling in Geico’s UBI program DriveEasy and consistently driving safely.
• Teen Driver Discounts: Geico offers 16 discounts to help teens save, including savings for maintaining good grades.

Cons

• Mixed Customer Service Reviews: Geico is an affordable option for car insurance, but not everyone is impressed with their service. One of the most common complaints against Geico involves the claims process.
• Limited Agents: Understanding car insurance can be difficult, especially for teens. Unfortunately, Geico does not have the most agents available to help.

#3 – Liberty Mutual: Best for Unique Coverage Options

Pros

• RightTrack: Liberty Mutual is one of many Arizona auto insurance companies that offers UBI savings. Teens can enroll and lower their rates by 30% by practicing safe driving habits.
• Unique Coverage: Get teen driver insurance quotes with extra coverage by adding Liberty Mutual add-ons. Popular options include original parts replacement insurance and accident forgiveness.
• 24/7 Support: Teens can get support whenever they need it, no matter what time, by calling Liberty Mutual’s 24/7 hotline.

Cons

• Claims Issues: Many Liberty Mutual customers complain that the claims process can be slow. See what else customers have to say in our Liberty Mutual auto insurance review.
• Higher Than Average Rates: When you need to get auto insurance for a teenager, you should carefully compare Liberty Mutual rates with other providers. Liberty Mutual’s rates tend to be higher than the national average.

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#4 – State Farm: Best for Student Driver Discounts

Pros

• Teen Safe Driver Program: Teens can find cheap insurance for new drivers under 21 by completing the Teen Safe Driver program with State Farm.
• Student Discounts: State Farm offers a variety of discounts to help you find cheap Arizona car insurance costs. Young drivers can take advantage of State Farm’s student away at school, good student, and driver education discounts.
• Drive Save & Save: Young drivers can save up to 30% on their insurance by enrolling in Drive Safe & Save, State Farm’s UBI program. See if Drive Safe & Save is right for you in our State Farm auto insurance review.

Cons

• Limited Digital Tools: Teens looking to manage their insurance policies online won’t find the best digital tools with State Farm.
• Fewer Coverage Options: If you’re looking for an Arizona auto insurance company with tons of add-on options, State Farm isn’t the best choice.

#5 – Nationwide: Best for Accident Forgiveness

Pros

• Coverage Options: Nationwide offers a variety of add-ons that increase the value of car insurance for teens. One of the best is accident forgiveness, which would prevent Arizona auto insurance quotes for teens from rising after an accident.
• SmartRide: SmartRide is Nationwide’s UBI program that gives the chance to lower teen driver insurance rates by 40%. Check our Nationwide auto insurance review to see if SmartRide would help you save.
• Discount Opportunities: Get the lowest Arizona car insurance rates by taking advantage of Nationwide’s 11 discounts. Teens can save with Nationwide’s good student discount.

Cons

• Fewer Digital Tools: Nationwide is one of several Arizona auto insurance providers that focuses on human interaction to sell insurance rather than digital tools. As such, Nationwide’s online options don’t stack up to some of its competitors.
• Average Rates: Nationwide might offer low teen driver insurance costs, but it’s often a more expensive option for other drivers. It might not be the best option for families.

#6 – American Family: Best for Young Volunteers

Pros

• KnowYourDrive: Most Arizona car insurance providers offer a UBI program to help safe drivers save, and American Family is no different. Teens can save 30% by consistently practicing safe habits.
• Teen Driver Discounts: American Family offers plenty of discounts for teens to take advantage of, including savings for young volunteers. See how you can save in our American Family auto insurance review.
• Teen Safe Driver Program: American Family is one of a few Arizona car insurance companies that offer a discount for teens who complete this safe driving course.

Cons

• Slow Claims: It might be one of the cheapest places for insurance for a 16-year-old in Arizona, but many customers report being unsatisfied with the claims process.
• Limited Availability: American Family sees insurance in just 19 states. You might need a new insurance policy if you move to an uncovered state for college.

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#7 – Allstate: Best for Full Coverage Policies

Pros

• Tons of Coverage Options: Allstate offers a variety of coverage options so you can find the best auto insurance for teens. Popular options include roadside assistance and accident forgiveness.
• UBI Savings: Allstate offers Milewise and Drivewise to help safe drivers save. Pick the best plan for you in our Allstate auto insurance review.
• TeenSMART: TeenSMART is a driving program that provides interactive driving tips after monitoring a teen driver. Completing the teenSMART program can lower your Arizona auto insurance costs.

Cons

• Low Claims Satisfaction: Phoenix drivers often give Allstate less than satisfactory ratings on its claims handling process.
• Higher Premiums: Allstate is often one of the most expensive options for car insurance, which can make it more difficult to add a teen to a family policy.

#8 – Farmers: Best Discount Selection for Teens

Pros

• Ample Discounts: Farmers offers 23 discounts to help drivers save, including several designed just for teens. Learn more in our Farmers auto insurance review.
• Solid Add-On Selection: You can get more coverage than the bare minimum to meet Arizona car insurance laws. Popular choices for teens include glass and windshield insurance and customized equipment coverage.
• Helpful Representatives: Farmers representatives are known for their knowledge of insurance and are especially ready to help young drivers.

Cons

• Slow Roadside Assistance: Roadside assistance is an excellent add-on for teens, but many Phoenix drivers report excessive wait times with Farmers’ emergency help.
• Limited Digital Options: Farmers focuses more on agent-customer interaction, so it doesn’t have all the digital tools that many other companies do.

#9 – Progressive: Best for Phoenix Teens on a Budget

Pros

• Teen Discounts: Progressive has 13 discounts to help young drivers find low Arizona car insurance quotes, including a few just for teens.
• Name Your Price Tool: Enter your monthly budget into the Name Your Price tool to see coverage options that fit. Explore all of Progressive’s innovative online tools in our Progressive auto insurance review.
• Snapshot: Enroll in Snapshot to save up to 30% on your insurance. However, you should be aware that your rates can increase with Snapshot if you don’t drive safely enough.

Cons

• Low Customer Loyalty: Progressive may have some of the best auto insurance in Arizona for young drivers, but it struggles to retain customers.
• Unexpected Price Hikes: Phoenix drivers report that Progressive has unexpectedly raised their rates without an obvious cause.

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#10 – Travelers: Best for Teen Driving Support

Pros

• Supportive Representatives: Travelers representatives have the knowledge and experience young drivers need to get the most out of their coverage.
• IntelliDrive: Save up to 30% with IntelliDrive, Travelers’ UBI program. See if IntelliDrive would suit your driving habits in our Travelers auto insurance review.
• Ways to Save: With 17 available discounts, meeting Arizona car insurance requirements at an affordable price is easy with Travelers.

Cons

• Service Reviews Vary: Some Phoenix drivers say they are completely happy with their Travelers policy, while others are less satisfied. Complaints mainly focus on the claims process.
• Fewer Digital Options: Travelers is one of many insurance companies that seem to lag in digital innovation. If online policy management is important to you, you might want to try a different company.

Arizona Auto Insurance Laws and Requirements

While it doesn’t offer the best protection, many teen drivers choose to purchase the bare Arizona minimum auto insurance requirements. Purchasing a policy that only meets Arizona auto insurance requirements is a great way to find low-cost coverage.

However, minimum insurance leaves your car unprotected. You should compare the benefits of more coverage with the savings of a minimum insurance policy – check below to see average rates for each.

Arizona Auto Insurance Monthly Rates by Age, Gender, & Coverage Level

As you can see, finding affordable auto insurance for drivers under 25 is more difficult than it is for older adults. Purchasing the minimum amount of coverage you need can help you get affordable insurance for a 16-year-old in Arizona.

Arizona Teen Driver Auto Insurance Monthly Rates by Coverage Level & Provider

When it comes to finding affordable auto insurance for teenage drivers in Arizona, several options stand out for their budget-friendly rates. USAA leads the pack with the lowest premiums, starting at just $73 for minimum coverage and $187 for full coverage.

Geico follows closely behind, offering rates starting at $111 for minimum coverage and $285 for full coverage. State Farm also presents a competitive choice, with minimum coverage starting at $102 and full coverage at $263. These insurers understand the financial challenges young drivers face and provide tailored coverage options to ensure both safety and affordability on the road.

Cheap Teen Driver Auto Insurance Rates in Arizona

While there are several factors that affect auto insurance rates, teen drivers always pay more for coverage than older, more experienced drivers. However, some teen drivers pay more than others. For example, it’s a lot easier to find cheap auto insurance for a 16-year-old when they have a clean record.

Arizona Auto Insurance Monthly Rates by Age, Gender, & Driving Record

These price differences highlight why it’s so important to compare auto insurance rates with multiple companies. Some companies offer better prices than others to drivers with traffic infractions – you’ll likely overpay for your insurance if you don’t compare quotes. See how much the average driver pays in your city below.

Arizona Auto Insurance Monthly Rates by Age, Gender, & City

Phoenix teens typically have the highest insurance rates in Arizona. There are numerous reasons auto insurance costs more for young drivers in Phoenix, but the primary causes are more traffic, car thefts, and accidents.

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Adding a Teen to a Parent’s Policy in Arizona

Finding cheap auto insurance for 17-year-olds and other teens can be challenging, but there’s a simple way to help: add them to an existing policy.

Most insurance companies make adding a new driver to a parent or guardian’s policy easy, and it can save teenagers up to 50% of what they’d normally pay. Check the rates below to see the price differences between adding a teen to your policy vs. getting them their own plan.

Arizona Auto Insurance Monthly Rates by Age, Gender, & Policy Type

Adding a driver to auto insurance is a great idea if you have a young driver in your house. However, you should be aware that their driving habits will impact your rates. If a teen on your policy gets into an accident or gets a speeding ticket, your rates will increase.

Arizona Auto Insurance Savings Strategies for Young Drivers

Teen rates are high, but there are plenty of ways to save. For starters, teens should seek out auto insurance discounts that are friendly toward young drivers. Popular options include savings for maintaining good grades and taking driver education courses.

However, discount availability varies by company. Check below to see what’s available from the top 10 auto insurance companies in Arizona for teen drivers.

Be aware that most teen discounts require proof. For example, many teens ask if auto insurance companies check grades before giving a good student discount.

Your insurance company won’t check your grades itself, but it will likely require that you submit proof. You’ll have to submit proof after you sign up for a policy, as there’s generally no option to state your grades when requesting a quote, as seen below. You can also try the following tips to keep your rates low:

• Raise your deductible. Your deductible is the portion you pay before your insurance kicks in. A higher deductible leads to lower monthly costs.
• Lower your coverage. If getting the cheapest possible insurance is your goal, choosing Arizona minimum insurance is your least expensive option.
• Add your teen to your policy. As you saw above, adding a teen can cut insurance rates in half.
• Find discounts. Aside from teen discounts, insurance companies offer savings for things like being a safe driver or having safety features in your car.

Of course, the most essential step to finding cheap coverage is to compare rates. It’s almost impossible to find the companies with the cheapest teen auto insurance without comparing rates.

Case Studies: Navigating Teen Auto Insurance in Arizona

As teenagers embark on the exciting journey of obtaining their driver’s licenses, families are often faced with the challenge of securing affordable and comprehensive auto insurance. In Arizona, where teen driver insurance rates can be particularly high, finding the right coverage is essential.

• Case Study #1 – Navigating Teen Insurance: The Johnsons found peace of mind for their teenage son, Mark, with USAA’s affordable rates and tailored coverage options, starting at just $73 per month for minimum coverage, navigating the complexities of insuring a teen driver with confidence.
• Case Study #2 – Empowering Teens to Drive Safely:  The Andersons chose Geico for Sarah’s 16th birthday, finding its affordable rates, starting at $111 per month for minimum coverage and $285 for full coverage, ideal, and Sarah benefited from Geico’s DriveEasy app, learning safe driving habits and earning discounts, becoming a responsible driver.
• Case Study #3 – Protecting Teen Drivers in Style: The Martinez family found peace of mind for their teenage daughter, Emily, with Liberty Mutual’s auto insurance, offering tailored coverage options, Accident Forgiveness, and rates starting at $73 per month.

From finding affordable rates to prioritizing safe driving habits, these case studies highlight the importance of proactive insurance choices for teen drivers in Arizona.

Whether it’s through renowned providers like USAA, innovative solutions from Geico, or personalized options from Liberty Mutual, families can navigate the road ahead with confidence, ensuring their teen drivers are protected on their journey into the future.

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Summary: The Cheapest Teen Driver Auto Insurance Companies in Arizona

No matter which types of auto insurance you purchase, finding affordable rates for Arizona teens isn’t an impossible challenge. Whether you need insurance for a 17-year-old in Arizona or coverage for a senior citizen, comparing quotes is the most important step you can take.

You have an idea of which companies have the lowest rates for teens in Arizona, but they may not be the cheapest for you. Enter your ZIP code into our free comparison tool to see which companies offer the lowest rates for you.

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