The words “bargain” and “insurance” really don’t belong together, especially when comparison shopping for the lowest insurance rates for high school students. Because it’s so expensive, let’s open your eyes to some of the factors that have an effect on insurance prices, and find a few ways to slash the price of your next policy.
Comparing quotes for reasonably-priced auto insurance is not the easiest thing to do, and figuring out which company quotes the most affordable auto insurance rates for high school students will involve a bit more work. Each insurer uses a slightly different approach to set premium rates, so let’s take a look at the auto insurance companies that tend to have lower prices in Arizona.
It’s important to understand that Arizona auto insurance rates are determined by lots of factors that will increase or decrease the policy premium. This is why consumers need to compare many different companies to get cheap car insurance rates for high school students. Rates are influenced by many risk factors and can change without notice, so the lowest-price company the last time you shopped around may now be priced much higher than other options.
Find Cheaper Car Insurance for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
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The Hartford offers some of the cheapest car insurance rates in Mesa at around $845 a year. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Mesa, AZ insurance companies.
As the rates illustrate above, if you have coverage with USAA and switched to Auto-Owners, you could earn a yearly savings of about $192. Policyholders with Travelers might save as much as $220 a year, and GEICO insureds might lower prices by up to $243 a year.
To find cheaper insurance rates for your vehicle, click here or click several companies below for low rates.
These policy rates are averages across all insureds and vehicles and and are not calculated with a specific vehicle garaging location for high school students. So the auto insurance company that fits your needs best may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own driver and vehicle profiles.
For teenagers, one of the big things that are used to help calculate the annual cost of car insurance is the neighborhood you call home. More populated areas tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates have the gratification of cheaper auto insurance rates.
The information below ranks the most expensive cities in Arizona for high school students in which to buy car insurance. Mesa is ranked #6 with an annual cost of $1,125 for the average policy, which is approximately $94 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Avondale | $1,222 |
| 2 | Phoenix | $1,218 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,185 |
| 5 | Buckeye | $1,156 |
| 6 | Mesa | $1,125 |
| 7 | Gilbert | $1,120 |
| 8 | Scottsdale | $1,117 |
| 9 | Chandler | $1,115 |
| 10 | Tempe | $1,106 |
| 11 | Tucson | $1,094 |
| 12 | Peoria | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Maricopa | $1,085 |
| 15 | Casas Adobes | $1,082 |
| 16 | Casa Grande | $1,079 |
| 17 | Surprise | $1,058 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Prescott | $952 |
| 22 | Flagstaff | $941 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $872 |
| 25 | Lake Havasu City | $852 |
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Table data uses approximated as specific Mesa garaging address can decrease or increase coverage rates significantly.
Discount Mesa car insurance rates
Insurers that provide coverage for high school students may also give you special discounts that may potentially lower prices by as much as 35% if you can meet the requirements. A list of auto insurance companies and a selection of discounts are:
- GEICO may include discounts for multi-vehicle, membership and employees, anti-lock brakes, daytime running lights, and good student.
- Travelers has savings for payment discounts, driver training, student away at school, multi-policy, and save driver.
- Farm Bureau offers discounts including renewal discount, safe driver, multi-policy, 55 and retired, good student, and youthful driver.
- Liberty Mutual offers discounts for new move discount, newly married, newly retired, preferred payment discount, hybrid vehicle, teen driver discount, and multi-policy.
- American Family may offer discounts for multi-vehicle, Steer into Savings, bundled insurance, early bird, and air bags.
- Progressive has discounts for homeowner, continuous coverage, good student, multi-policy, and multi-vehicle.
The information below illustrates the difference between insurance rates with and without discounts applied to the policy rates. The rate quotes are based on a male driver, no claims or driving citations, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows premium with no discounts. The second bar shows the rates with passive restraint, continuous coverage, vehicle safety, good student, paid-in-full, and paperless filing discounts applied. When discounts are factored in, the average savings per year on auto insurance for high school students is 28% or $661.
Picking a good quality auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The company information listed below could help you choose which car insurance companies you want to consider shopping your coverage with. These ratings are for the largest auto insurers in America, so smaller companies that only insure vehicles in Arizona will not be included in this list.
| 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 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Who has the cheapest Mesa car insurance?
Mesa auto insurance rates are based on many factors that can increase your annual premium. Getting older, moving to a new city, or getting a few speeding tickets can trigger price changes that may make certain companies cheaper than others.
In addition, insurers amend premium rates at least once a year in order to remain profitable. Significantly higher losses may cause more expensive prices, while a lower level of claims may result in lower-cost Mesa car insurance rates.
As an example, the chart below shows rates for the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no accidents or violations, and great credit. If we estimate prices based on his current risk factors, The Hartford may have the best car insurance rates in Mesa at $1,060 each year. This is $368 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Progressive, and Travelers also make the list of the best Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison some claims, a lower credit score, and a few blemishes on his driving record. Due to the fact that every auto insurer uses a different method to establish rates, analyzing rates may now result in a completely different list of affordable Mesa car insurance companies as shown below.
GEICO now has the cheapest auto insurance in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also having competitive pricing. This example illustrates why it is critical to compare rates to find affordable auto insurance quotes for high school students. Car insurance prices are made up of many different factors and can change substantially, so the most economical option the last time you shopped around may now be an over-priced policy.
How to find low-cost insurance for high school students
Lowering your rates is not difficult, and here are some penny-pinching ideas that can help Arizona drivers locate cheap coverage.
- Save money by obeying traffic laws and keeping a clean driving record
- Higher deductibles save money
- Insure your home and auto with the same company
- Try to remain claim-free
- Do not get into accidents that are your fault
- Pay lower rates with good credit
- Compare rates once a year for cheaper prices
That final tip is particularly vital, as was emphasized in the prior article. Car insurance prices fluctuate considerably, so don’t be tentative to buy a different policy if you find a better deal.
Many drivers prefer to stick with one company, but it’s not a great idea if that faithfulness ends up costing you hundreds of dollars a year. In just a couple of minutes you could compare rates to find cheaper auto insurance for high school students in Mesa.
If you aren’t sure which coverage you need and prefer to have a little guidance when shopping around for cheaper insurance for high school students, the professional agents shown below are a good start to aid you in deciding which auto insurance coverages would be the best in your situation. To locate a Mesa auto insurance agent nearest to you, click the button below the list or click here to get price quotes now.
Kimball Porter – State Farm Insurance Agent
1847 S Greenfield Rd Ste 107 – Mesa, AZ 85206 – (480) 892-1779
Aaron McDermid – State Farm Insurance Agent
10720 E Southern Ave #105 – Mesa, AZ 85209 – (480) 984-3311
Max Insurance Agency Mesa | Life Insurance | Motorcycle Insurance
1130 W University Dr #117 – Meza, AZ 85201 – (480) 247-7418
American Family Insurance – Mike Stapley
4850 E Baseline Rd Ste 101 – Mesa, AZ 85206 – (480) 503-4400
INW Insurance Group
4545 E Southern Ave #106 – Mesa, AZ 85206 – (480) 626-0797