Car insurance calculator for teens in Arizona

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Car insurance for teens in Arizona costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Arizona. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Arizona

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

Filter

Average annual rates for state teen drivers

$10,080 Average rate

$16,481 Highest
rate

$4,564 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
CSAA Insurance (AAA)	$16,481
Farmers	$14,339
Progressive	$13,811

Least expensive companies for auto insurance in ()

Company	Average annual rate
GEICO	$4,564
Auto-Owners	$6,046
Travelers	$7,260

Average teen car insurance costs in Arizona

On average, insuring a teen driver in Arizona costs $7,075 per year for a policy with 100/300/100 coverage limits – that’s $100,000 for one person injured in an accident, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Because teens are new to the road, insurers view them as higher risk, which makes their premiums much steeper than those of adults.

Your rate may also change based on the coverage you select, the type of car your teen drives, and where you live. Families in Arizona can save money by asking about good student discounts, signing up teens for a driving course, or adding them to an existing family policy.

Teen car insurance rates in Arizona, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Arizona averages $9,215 per year. At 19, the average falls again to $4,445.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Arizona by age.

Average teen car insurance costs in Arizona, by gender

In most states, car insurance rates differ by gender, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit the practice. In Arizona, a 16-year-old male pays about $9,885 per year, compared to $8,550 for a female of the same age – a difference of $1,335.

According to the most recent data from the Insurance Institute for Highway Safety, a total of 3,048 teenagers ages 13-19 lost their lives in motor vehicle crashes in 2023, with two of every three teenagers who died in crashes in 2023 being males.

These crash trends help explain why teen boys usually face higher insurance costs than girls. Because young men are more likely to be in serious accidents, insurers factor that added risk into their rates.

The table below shows car insurance rates for teens by gender in Arizona.

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Cheapest car insurance companies for teen drivers in Arizona

Car insurance for teens is expensive everywhere, but some companies consistently offer lower rates. That’s why comparing quotes is the best way to find the most affordable coverage for your family.

In Arizona, GEICO offers the lowest rates for drivers ages 16-19, averaging $3,381 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Auto-Owners, at $4,384.

See the table below for the cheapest companies offering teen car insurance in Arizona.

Minimum coverage requirements for teens in Arizona

In Arizona, teen drivers must meet the same minimum liability requirements as adults:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $15,000 for property damage liability

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Ways to save on teen car insurance in Arizona

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

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