In a perfect world, we could tell you the one car insurance company that is cheapest in Arizona. It’s just not that simple, as there are a whole bunch of unknowns such as if you are a homeowner or renter, the miles you drive each year, and your age. The content below covers the best ways to avoid overpriced car insurance and should give you a good start in finding the cheapest insurance.
Deciphering which company quotes the best auto insurance rates for 20 year old women takes a little more sweat than just comparing a company or two. Every car insurance company has their own formula to set premium rates, so let’s take a look at the auto insurance companies with the most affordable rates in Arizona.
It’s important that readers know that Arizona auto insurance rates are impacted by many things that can increase the price you have to pay for coverage. Simply having another birthday, moving to a new city, or getting a ticket for running a stop sign can cause premium changes that can make some companies more affordable than competitors.
Lowest Insurance Price Quotes for Women Age 20
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,152 |
| 7 | Ameriprise Group | $1,172 |
| 8 | CSAA | $1,177 |
| 9 | GEICO | $1,177 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,433 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
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The Hartford generally has some of the most affordable car insurance rates in Scottsdale at around $845 per year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the cheaper Scottsdale, AZ auto insurance companies.
In this example, if you currently have a policy with Safeco and switched to The Hartford, you could see an annual premium reduction of in the vicinity of $78. Policyholders with USAA might save as much as $246 a year, and Travelers insureds might lower prices by up to $263 a year.
It’s important to note that these premiums are averages across all drivers and vehicles in Arizona and do not factor in a specific vehicle garaging location for 20 year old women. So the company that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That helps illustrate why you need to get rate quotes from many companies using your own specific driver and vehicle information.
For young women, one of the more important components that are looked at to help calculate auto insurance rates is the neighborhood you call home in Scottsdale. Areas with high crime rates or more dense population likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.
The information below ranks the priciest cities in Arizona for 20 year old women in which to buy car insurance. Scottsdale comes in at #4 with a yearly cost of $1,163 for the average insurance policy, which is approximately $97 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,210 |
| 3 | Glendale | $1,190 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Gilbert | $1,154 |
| 7 | Mesa | $1,125 |
| 8 | Buckeye | $1,122 |
| 9 | Tempe | $1,118 |
| 10 | Maricopa | $1,118 |
| 11 | Chandler | $1,115 |
| 12 | Peoria | $1,093 |
| 13 | Goodyear | $1,087 |
| 14 | Tucson | $1,072 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,047 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $992 |
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Prices are estimated as specific Scottsdale zip code can influence rates considerably.
The information below demonstrates how deductible levels can change insurance prices when getting quotes for cheap insurance for 20 year old women. The premium estimates are based on a single female driver, comp and collision included, and no other discounts are factored in.
As shown above, a 30-year-old driver could reduce rates by $326 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $492 by changing to a $1,000 deductible. Even younger insureds, like the 20-year-old category, could save up to $724 every year just by choosing higher deductibles when buying full coverage.
If you do decide to increase your deductibles, it is important to have additional savings on hand to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Get discount Scottsdale auto insurance rates
Insurance providers that provide coverage for 20 year old women may also provide special discounts that could reduce prices by as much as 35% or more if you meet specific criteria. A few popular companies and some of the discounts can be found below.
- GEICO has savings for air bags, five-year accident-free, driver training, multi-policy, and military active duty.
- SAFECO offers premium reductions for bundle discounts, anti-theft, safe driver, drive less, teen safety rewards, and multi-car.
- State Farm includes discounts for anti-theft, Steer Clear safe driver discount, good student, student away at school, safe vehicle, good driver, and accident-free.
- MetLife offers discounts including multi-policy, defensive driver, good student, accident-free, claim-free, good driver
- 21st Century policyholders can earn discounts including early bird, anti-lock brakes, air bags, student driver, good student, and teen driver.
- Progressive may have discounts that include continuous coverage, multi-vehicle, good student, online quote discount, and multi-policy.
The example below illustrates the difference between car insurance costs with and without some available policy discounts. The prices are based on a female driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with good student, vehicle safety, anti-theft, paperless filing, paid-in-full, and passive restraint discounts applied. In this example, the average amount saved each year on auto insurance for 20 year old women is 21% or $316.
What aren’t you shopping around?
Scottsdale auto insurance rates are determined by lots of factors which can substantially decrease or increase the price of coverage. Simply having another birthday, buying a home, or having an accident can trigger rate changes resulting in some rates now being more affordable than others. And not only may your rating factors change, but insurers amend premium rates multiple times each year in order to maintain liquidity for claims. Significantly higher losses can result in higher priced premiums, while less frequent claims may cause cheaper Scottsdale car insurance rates.
The chart below shows the company with the cheapest car insurance in Scottsdale, AZ for a 35-year-old female driver with no accidents or violations, and a good credit rating. When quoting prices based on her personal profile, The Hartford might offer the lowest car insurance rates in Scottsdale at $1,127 each year. This is $301 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the list of the cheapest Scottsdale, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident claim, a lower credit rating, and a traffic ticket or two. Because every insurance company has a different formula for determining prices, comparing prices most likely will result in a different list of the cheapest companies as shown below.
GEICO now has the lowest car insurance rate in Scottsdale with Ameriprise Group, CSAA, Allied, and Safe Auto now being in the top five. This demonstrates why it is so important to perform an extensive rate comparison to find the best car insurance quotes for 20 year old women. Insurance rates are impacted by many different factors and can change without notice, so the best option the last time you shopped around may now be one of the higher cost companies.
How to find budget-friendly car insurance for 20 year old women
The list below summarizes some of the recommended thrifty solutions that can help drivers quote more affordable auto insurance.
- Try to remain claim-free
- Do not get into accidents
- Buy vehicles with five-star safety ratings
- Just one traffic violation will increase your rates
- Home or renters coverage can save on auto insurance
- Shop around for cheaper prices often
That last tip is notably important, as we noted in this article. Coverage prices can change in a short period of time, so drivers shouldn’t be resistant to buy a different policy if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not a great idea if your bullheadedness ends up costing you a fortune every year. Now is a great time to compare rates to find cheaper insurance for 20 year old women in Scottsdale.
If you aren’t sure which coverage you need and prefer to have some advice when shopping around for cheaper insurance for 20 year old women, the professional agents shown below can most likely help you make a decision which auto insurance policy fits you best. To locate a Scottsdale car insurance agency near you, click the button at the bottom or click here to compare price quotes.
John Collins – State Farm Insurance Agent
8140 E Cactus Rd Ste 700 – Scottsdale, AZ 85260 – (602) 466-3100
Arizona Insurance Services
7950 E Acoma Dr # 205 – Scottsdale, AZ 85260 – (480) 778-9700
Crest Insurance Group
Ste 375, 7272 E Indian School Rd – Scottsdale, AZ 85251 – (480) 839-2252
Farmers Insurance: Colby Neal Agency
9449 N 90th St #110 – Scottsdale, AZ 85258 – (480) 860-0860
American Family Insurance – J M Chapman Agency Inc
7055 E Thomas Rd – Scottsdale, AZ 85251 – (480) 945-7122