120+ more)
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Updated
Arizona teens pay an average of $188 per month for liability-only insurance, which is much higher than the state average for all drivers of $89.
Auto-Owners is the cheapest insurer in Arizona for teen drivers, with an average liability-only rate of $104 per month.
Teen drivers in Arizona must complete at least 30 hours of driving practice before they can get a graduated driver’s license.[1]
Arizona teens pay an average of $188 per month for liability-only coverage and $344 per month for full-coverage car insurance. These costs are for stand-alone auto insurance policies, but Arizona teens could save $86 per month, or $1,029 per year, by staying on their family’s policy instead.
The table below shows the average monthly quotes for teen car insurance in Arizona.
Insurance Company | Average Quote: Full Coverage | Average Quote: Liability Only |
|---|---|---|
| Auto-Owners | $183 | $103 |
| Novo Next | $204 | $149 |
| Just Pay-Per-Mile | $206 | $103 |
| Novo Flex | $210 | $141 |
| State Farm | $217 | $124 |
| Progressive | $227 | $132 |
| USAA | $232 | $132 |
| Mile Auto | $236 | $127 |
| Sun Coast | $239 | $132 |
| Mercury | $260 | $143 |
| Novo | $262 | $162 |
| Safeco | $269 | $180 |
| GEICO | $272 | $159 |
| Aspire General | $290 | $141 |
| Allstate | $296 | $170 |
| Clearcover | $308 | $170 |
| Bristol West | $320 | $165 |
| Hiroad | $332 | $176 |
| Root | $342 | $225 |
| Direct Auto | $350 | $179 |
| Country Financial | $353 | $200 |
| Liberty Mutual | $354 | $260 |
| Just Unlimited | $363 | $172 |
| The General | $373 | $142 |
| National General | $379 | $188 |
| Certainly | $397 | $141 |
| Travelers | $401 | $227 |
| AssuranceAmerica | $413 | $213 |
| American Family | $417 | $236 |
| Dairyland | $420 | $172 |
| Commonwealth Casualty | $433 | $198 |
| Trexis | $434 | $204 |
| GAINSCO | $435 | $185 |
| Farmers | $455 | $257 |
| Covercube | $500 | $231 |
| The Hartford | $503 | $285 |
Liability quotes for teens start at $103/mo.
Teens have plenty of insurance companies to choose from in Arizona. Below, learn more about three of the best car insurance companies for teens in Arizona.
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Auto-Owners boasts some of the cheapest rates for teens in Arizona. Teens can lower their rates further by signing up for the Teen Driver Monitoring discount. This program tracks a teen driver through a permanently installed GPS in the car or through a mobile app. Other discounts for teens include a good student discount and a student-away-at-school discount.
Relatively low rates for Arizona teens
Telematics discount specifically for teens
Additional teen discounts for further savings
Online quotes not available
Poor Trustpilot rating
No low-mileage discount
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $82/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO offers several discounts to help Arizona teens lower their insurance costs.
The DriveEasy program monitors teens’ driving through the GEICO app and rewards safe driving behavior. Teens can save up to 15% by enrolling in the DriveEasy program, plus additional savings after the monitoring period ends. GEICO also offers a good student discount for teens who maintain a B average or better.
Several discounts for Arizona teen drivers
Claim forgiveness available for first qualifying loss
AM Best financial strength rating of A++ (Superior)
Below-average J.D. Power customer satisfaction rating in Arizona
Poor Trustpilot rating
Gap insurance not available
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $67/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Arizona teens from military families can get a 10% discount on their own policy if their parents are USAA customers. This can help lower premiums for teens just starting out on their own.
USAA also offers 24/7 roadside assistance to help if your teen gets a dead battery, a flat tire, or runs out of gas. Plus, USAA had the highest score in the J.D. Power U.S. Auto Insurance Study.
10% discount for teens whose parents have a USAA policy
Highest J.D Power customer satisfaction rating in Arizona
24/7 roadside assistance
Available only for teens in an active-duty military or veteran family
No 24/7 customer support
Fewer teen discounts than some competitors
Major car insurance companies generally offer discounts aimed at teen drivers, though the exact discounts vary by insurer. Here are some of the most common discounts for Arizona teen drivers:[2]
Good student discount: Insurers often give teens a discount for maintaining a B or better average in school.
Student-away-at-school discount: Many Arizona insurance companies offer discounts for teens studying at least 100 miles from home who only use their car during school holidays.
Telematics discount: Major insurers often have usage-based insurance programs that track your driving and reward responsible behavior with a premium discount.
Driver training discount: Arizona doesn’t require insurers to offer discounts for teens or older drivers who complete a driver training course. But it’s worth asking your insurer if you qualify for such a discount.
Expert’s insight
“Teen car insurance rates can be incredibly high, but comparing quotes, applying for discounts, and encouraging safe driving behaviors are the biggest ways to save. Insurers also consider the type of car your teen drives, so it’s worth purchasing a lower-value vehicle with good safety ratings.”
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Car insurance for Arizona teen drivers is more expensive than for older drivers. For example, a teen driver pays approximately $188 per month for liability-only insurance, while a driver in their 30s pays $96 per month, on average, for the same coverage.
These are some key reasons why car insurance is so expensive for Arizona teens:
Credit score: Arizona allows insurers to use credit history information to determine car insurance premiums. Teens typically have limited or no credit history, which can make insurance more expensive.[3]
Risk: Drivers aged 16 to 19 are four times more likely to be in an accident than an older driver, according to the Arizona Department of Insurance and Financial Institutions. This makes them riskier to insure.
Coverage requirements: Arizona requires all drivers to have 25/50/15 coverage, which is higher than in some other states. This requirement can disproportionately affect teen driver rates.
Save up to $1,100 per year on coverage
Arizona requires all drivers, including teen drivers, to carry a minimum amount of liability coverage. The table below shows the Arizona minimum car insurance coverage requirements.
Coverage Type | Minimum Amount | Required or Optional? |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Required |
| Property damage liability | $15,000 per accident | Required |
| Uninsured/underinsured motorist coverage (UM/UIM) | $25,000 per person / $50,000 per accident | Optional |
The Arizona Department of Transportation’s Motor Vehicle Division has a graduated driver licensing program to help teens become safe drivers. Here’s how it works:
Graduated instruction permit: At 15 years and 6 months, and after passing a knowledge test, teens can get an instruction permit.
Graduated license: After completing at least 30 hours of supervised driving practice, teens can apply for their graduated license.
Regular driver’s license: Teens are eligible for a non-restricted license after holding a graduated license for at least six months or until their 18th birthday.
Driving uninsured in Arizona comes with serious consequences for teens and adult drivers:[4]
First violation: Minimum $500 fine and a three-month driving suspension
Second violation within 36 months: Minimum $750 fine and a six-month suspension
Third and subsequent violations within 36 months: Minimum $1,000 fine and a one-year suspension
Insuring a teen driver is expensive, but Arizona families with new drivers still have ways to reduce car insurance costs. Here are some things you can do to lower your premiums.
Compare quotes from multiple Arizona car insurance companies to find one that fits your budget. Just make sure the quotes include the same type and amount of coverage so you know it’s an accurate comparison.
Many insurance companies in Arizona offer discounts to students who maintain a B or higher grade average. Insurers may also offer discounts to students who study a certain distance from home and don’t drive during the school year. Some also offer teen-focused telematics programs.
If you have collision and comprehensive coverage, increasing the deductible can lower your monthly payment. A deductible is the amount of a car insurance claim that you must pay out of pocket.
See whether your Arizona insurer offers a discount for completing a defensive driving course or driver education class. As a bonus, you’ll become a safer driver, which can also help lower your premiums. Avoid infractions like reckless driving, speeding tickets, and at-fault accidents to keep your insurance costs down.
Liability quotes for Arizona teens start at $103/mo.
It’s generally cheaper for families to add a teen driver to their existing policy than to buy their own coverage. For example, a teen buying their own policy in Arizona will pay around $86 more per month than a teen who joins their family’s policy.
The age of majority in Arizona is 18, which means younger teens need written consent from a parent or guardian to buy their own policy.[5] Teens younger than 18 may have no choice but to have their parents or guardians add them to their policy.
The following table shows the average monthly and annual costs in Arizona for a teen on a family policy and a teen on their own policy.
Policy Type | Average Monthly Cost | Average Yearly Cost |
|---|---|---|
| Teen on family policy | $257 | $3,088 |
| Teen on own policy | $343 | $4,118 |
| Cost difference | $86 | $1,029 |
In some scenarios, it might make sense for a teen to buy a separate car insurance policy. For example, an 18-year-old who owns a vehicle in their own name and doesn’t live with their parents may need to get their own coverage.
Understanding the following questions and answers can help Arizona teen drivers find affordable car insurance.
Car insurance for a 16-year-old in Arizona costs around $344 per month for full coverage, according to Insurify data. A liability-only policy costs an average of $188 per month.
Arizona drivers caught driving under the influence or without insurance will need to carry an SR-22 for three years from the end date of their license suspension.[6]
Arizona considers you a high-risk driver if you drive without insurance or under the influence of drugs or alcohol. High-risk drivers will need to carry an SR-22 form for three years. Insurers may also consider you a high-risk driver if you have an at-fault accident or a speeding ticket.
In addition to the liability limits required by law, Arizona teens may want to purchase collision and comprehensive coverage to help pay for repairs to their own vehicle after an accident.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
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