What Insurance is Cheapest for 19 Year Olds in Chandler?

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The vehicle model requiring coverage is one of the largest considerations when comparing economical coverage for 19 year olds. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost more to insure than safer models. The list below shows car insurance prices for a handful of the most cost-effective automobiles to insure in Arizona.

Cheapest Vehicles to Insure in Chandler, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,186
Ford Escape XLS 4WD $4,191
Hyundai Elantra GLS Touring Station Wagon $4,186
Honda CR-V EX-L 2WD $4,239
Toyota Prius $4,582
Chevrolet Silverado LS Regular Cab 4WD $4,620
Ford F-150 STX Regular Cab 2WD $4,627
Volkswagen Jetta SE 2.5 Station Wagon $4,874
Honda Civic DX 4-Dr Sedan $4,910
Ford Focus S 4-Dr Sedan $4,918
Ford Edge SEL 2WD $4,910
Chevrolet Malibu Hybrid $4,963
Jeep Grand Cherokee Laredo 2WD $4,970
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Data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in the specific area where the vehicle is garaged which can affect premium rates significantly.

Based upon the table data, you can presume that cars like the Honda Accord, Ford Escape, and Hyundai Elantra are the most budget-friendly vehicles to insure for teenage drivers. The cost of auto insurance will tend to be more expensive just due to the fact that there is more liability risk for 19 year olds, but in general those particular vehicles will most likely have the lowest insurance prices compared to other vehicles.

Locating affordable car insurance is not most people's favorite thing to do, and determining which companies quote the cheapest insurance rates for 19 year olds may require even more work. Every car insurance company has their own process for setting prices, so first let's look at the rankings for the insurance companies with the most affordable rates in Chandler.

We do need to point out that Chandler, AZ insurance rates are calculated based on many things that can increase the price of your policy. This price variability is why it is crucial to shop around with many companies when trying to find the cheapest car insurance quotes for 19 year olds. Car insurance prices are calculated by many things and change dramatically, so the best company six months ago may now be an over-priced policy.

Lowest Insurance Price Quotes for Teens

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Cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $811
2 Safeco $896
3 Auto-Owners $915
4 Travelers $1,075
5 Progressive $1,118
6 USAA $1,124
7 GEICO $1,166
8 Ameriprise Group $1,184
9 Allied $1,209
10 CSAA $1,213
11 Farm Bureau Mutual $1,285
12 Safe Auto $1,297
13 Unitrin $1,343
14 State Farm $1,377
15 Farmers $1,391
16 Titan $1,433
17 Amica $1,443
18 American Family $1,463
19 MetLife $1,521
20 California Casualty $1,568
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The Hartford offers some of the best car insurance rates in Chandler at around $811 each year. Safeco, Auto-Owners, Travelers, and Progressive also make the cut as some of the cheaper Chandler, AZ car insurance companies.

As the rates illustrate above, if you buy coverage from Progressive and switched to Safeco, you might achieve an annual savings of in the neighborhood of $222. Customers with USAA may save as much as $228 a year, and GEICO customers might reduce rates by $270 a year.

To get a fast rate comparison, click here to get quotes or visit any of the low-priced companies below.

Be aware that those premium estimates are averages across all insureds and vehicles and are not factoring in an exact vehicle garaging location for 19 year olds. So the car insurance company that fits you best may not even be in the top 28 companies shown above. That helps illustrate why you need to get quotes using your own driver data and vehicle information.

The illustration below illustrates how choosing a deductible can influence insurance rates when getting quotes for cheap insurance for 19 year olds. The data assumes a married male driver, full physical damage coverage, and no policy discounts are applied.

A 40-year-old driver could pocket $210 a year by increasing from a $100 deductible up to a $500 deductible, or save $316 by using a $1,000 deductible. Younger drivers, like the Age 20 chart data, could possibly save $694 or even more just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be required to have enough savings to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Safe drivers Chandler pay cheaper rates

A great way to obtain affordable insurance premiums in Chandler for teenage drivers is to be a good driver and not have accidents or get tickets. The chart below illustrates how speeding tickets and accident claims influence car insurance rates for different categories of driver ages. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.

In the example above, the average cost of car insurance per year with no accidents or violations is $1,633. Add in one speeding ticket and the average cost rises to $1,849, an increase of $216 each year. Then include one accident along with the one speeding ticket and the 12-month cost of insurance for 19 year olds jumps again to an average of $2,458. That's an increase of $826, or $69 per month, just for not being a responsible driver!

Full coverage rates vs. liability-only in Chandler

Saving on insurance is important to the majority of people, and one good way to buy cheaper insurance for 19 year olds is to not buy full coverage. The illustration below compares insurance premiums with full physical damage coverage and with liability coverage only. The costs are based on no claims or violations, $250 deductibles, single marital status, and no other discounts are factored in.

As an overall average, comprehensive and collision coverage on your policy costs an additional $2,144 per year over having just liability coverage. A very common question is if buying full coverage is worth the expense. There is no set rule of when to drop physical damage coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.

For example, let's assume your vehicle's book value is $10,500 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $9,500 after the policy deductible has been paid. If premiums are more than $950 annually for comprehensive and collision coverage, then it may be the right time to buy liability only.

There are some situations where dropping full coverage is not recommended. If you still owe money on your vehicle, you have to carry full coverage to satisfy the loan requirements. Also, if you can't afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Low rates can quickly become overpriced

Chandler, AZ insurance rates are impacted by many factors that control the cost of having a policy. Getting older, getting divorced, or having an accident can trigger price changes resulting in some rates now being cheaper than before.

Not only may your risk profile change, but companies change premium rates at least once a year to adjust for unexpected claims or profits. Significantly higher losses may result in high rates, while lower claims can produce more affordable Chandler car insurance rates.

The graph below analyzes the cheapest car insurance in Chandler, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and good financial standing. If we estimate prices based on his current rating profile, The Hartford offers the best car insurance rates in Chandler at $1,062 annually. This is $366 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remaining most affordable Chandler, AZ auto insurance companies.

The chart below compares rates after we give the driver in the first example an at-fault accident, a lower credit rating, and a blemish on his driving record. Because each company has a proprietary method to determine rates, comparing quotes may now present a different list of the cheapest car insurance companies in Chandler as shown below.

GEICO now has the best auto insurance rate in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual now rounding out the top five. This illustrates why it is crucial to shop around with many companies to get the best car insurance rates for 19 year olds. Prices are calculated by many factors and change frequently, so the best option the last time you checked may now be quite expensive.