For student drivers, one of the largest things that determine insurance cost is where you normally keep your vehicle. Areas with more people or more claims likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of cheap car insurance rates.
The information below sorts the highest-priced areas in Arizona for good students to buy an auto insurance policy in. Tucson shows up at #17 costing $1,072 for the average policyholder, which is around $89 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,156 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Goodyear | $1,120 |
| 10 | Maricopa | $1,118 |
| 11 | Mesa | $1,113 |
| 12 | Peoria | $1,104 |
| 13 | Chandler | $1,093 |
| 14 | Surprise | $1,080 |
| 15 | Casa Grande | $1,079 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Tucson | $1,072 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $942 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $896 |
| 25 | Lake Havasu City | $878 |
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Rates are approximated as the vehicle garaging location can increase or decrease premiums significantly.
Deciphering which companies have the best auto insurance rates for good students calls for more time in order to find the lowest price quote.
Every insurance company has a unique approach to determine rates, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Arizona. It’s important that readers know that Tucson auto insurance rates are impacted by many factors that can increase the price you have to pay for coverage. Simply having another birthday, having a teen driver, or having a fender bender may generate price changes resulting in some companies being cheaper than others.
Best Auto Insurance Prices for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,343 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,377 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,433 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
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The Hartford may offer some of the cheapest car insurance rates in Tucson at around $811 per year. This is $617 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the best Tucson, AZ auto insurance companies.
As depicted above, if you are insured with Safeco and switched to The Hartford, you might achieve an annual savings of roughly $112. Drivers with Travelers may save as much as $264 a year, and USAA customers might reduce prices by as much as $302 a year.
To get a quick, customized rate comparison, click here or quote prices from the following companies.
Bear in mind that those premiums are averages across all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for good students. So the insurer that has the cheapest rates for you may not even be in the top 28 companies shown above. That is why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.
Full coverage rates compared to liability only
Reducing premiums for auto insurance is the goal of most drivers, and one of the quickest ways to buy cheap insurance for good students is to not pay for full coverage. The illustration below illustrates the difference between yearly insurance costs with and without physical damage coverage. The premiums assume a clean driving record, no claims, $250 deductibles, single status, and no additional discounts are factored in.
Averaged for all age groups, physical damage coverage on your policy costs an additional $2,107 per year over liability only. That may make you wonder if buying full coverage is worth the money. There is no specific rule to eliminate physical damage coverage, but there is a general guideline. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then you may need to consider dropping full coverage.
There are some conditions where eliminating full coverage is not advised. If you still have a lienholder on your title, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should not remove full coverage.
The example below shows how different deductible levels can affect annual premium costs when trying to find cheap insurance for good students. The premium estimates are based on a single female driver, comprehensive and collision coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower their car insurance rates by $322 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $484 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could reduce their rates up to $824 every year by choosing a higher deductible. When raising deductibles, it will be important to have additional funds squirreled away to be able to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find economical auto insurance for good students
It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help Tucson drivers get low-cost coverage.
- Drivers with good credit ratings often pay less
- Avoid at-fault accidents and claims
- On older vehicles, drop full coverage
- Lower rates by purchasing a safer vehicle
- Insure your home and auto with the same company
- Shop around for cheaper prices
The last idea is particularly significant, as was affirmed in the prior information. Auto insurance prices in Tucson can change considerably based on profitability, so don’t be tentative to buy from a new company if you can find a cheaper rate.
Having a favorite company is great, but it’s not a great idea if that stubbornness costs you hundreds every year. If you have a few minutes, compare prices to find cheaper insurance for good students.
If you aren’t sure which coverage to buy and prefer to get some professional advice when shopping around for cheaper insurance for student drivers, the agents below can probably answer your questions and help you decide which coverage fits your budget. To find an auto insurance agency nearest to you, click the button link following the list or click here to compare rates now.
- American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210 – Tucson, AZ 85713 – (520) 792-2100 - Casey Santoro – State Farm Insurance Agent
4231 W Ina Rd Ste 121 – Tucson, AZ 85741 – (520) 744-2400 - Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016 - Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924