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 costs in Arizona, by age

Premiums drop as teens gain experience. For example, a 16-year-old in Arizona with full coverage pays an average of $9,215 per year. By 19, the average rate is $4,445.

Though still higher than adult premiums, the steady decline shows how added years of driving lead to more affordable coverage.

See the table below for average teen car insurance costs 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 car insurance requirements for teens in Arizona

In Arizona, teen drivers must carry the same minimum liability coverage as adults before getting behind the wheel. That includes:

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

State-minimum limits offer only basic protection, and the cost of medical care or vehicle repairs can easily exceed them. That’s why it’s wise to choose higher coverage limits-especially when adding a new teen driver to your policy.

If your car is financed or leased, your lender will require comprehensive and collision coverage. These protections help pay for repairs to your own vehicle after an accident, theft, or weather damage.

Smart ways to save on car insurance for your teen

From choosing the right car to asking about discounts, taking a few smart steps can make coverage more affordable while keeping your teen safe on the road.

• Estimate the cost of coverage. Look up what families typically pay for teen drivers in your state. Having that ballpark figure helps you budget ahead of time and spot whether the quotes you receive are higher or lower than average.
• Buy a safer vehicle. A safe, reliable sedan will cost much less to insure than a flashy sports car or a luxury vehicle.
• Buy a full coverage policy. Basic liability is cheaper, but many families choose higher coverage for teens to protect against the bigger risks of accidents, costly vehicle repairs, or injuries to others.
• Ask about discounts. Many insurers offer savings if your teen gets good grades, takes a defensive driving course, or drives fewer miles.
• Talk to your teen about the responsibility that comes with driving. Bring your teen into the insurance conversation so they see that driving isn’t just about freedom-it’s about responsibility. Talking openly about risks and safety can help them make better choices behind the wheel that could protect their life and others on the road.
• Review your rates each year: As your teen gains experience and maintains a clean driving record, insurance costs often go down-making it worth checking your policy annually.

Giving your teen a safe start on the road

Adding a teen driver to your policy will raise costs at first, but rates typically decline as they gain experience.

You can keep expenses under control by comparing quotes, bundling policies, and taking advantage of discounts. More importantly, the right coverage helps your teen build confidence and keeps your family financially protected as they start driving.

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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