Figuring out which companies have the cheapest auto insurance rates for handicapped drivers will require more work in order to find the lowest price quote.
Each insurer uses a little different formula to set policy rates, so let’s rank the most budget-friendly auto insurance companies in Tucson.
Find Cheaper Car Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,220 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,323 |
| 14 | Farmers | $1,337 |
| 15 | Unitrin | $1,343 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,478 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
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The Hartford may have some of the lowest car insurance rates in Tucson at around $836 per year. This is $592 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers would also make the list of some of the lowest-priced Tucson, AZ car insurance companies.
In the above rates, if you have coverage with Travelers and switched to Auto-Owners, you could earn an annual premium reduction of in the vicinity of $231. Insureds with Progressive could save as much as $242 a year, and GEICO insureds might lower prices by $243 a year.
To find out how your current rates compare, click here to get a free quote or visit any of the companies below.
These prices are averaged across all drivers and vehicles in Arizona and do not take into consideration a specific location for handicapped drivers. So the insurer that can offer you the lowest price may not even be in the top 28 companies shown above. That’s why you need to get quotes using your own individual information.
For drivers with handicaps, one of the more important factors that determine the price you pay for insurance is where you keep your vehicle in Tucson. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas areas with less crime or weather claims have the luxury of cheap car insurance rates.
The information below ranks the highest-priced areas in Arizona for handicapped drivers to buy auto insurance in. Tucson shows up at #16 costing $1,061 for the average policy, which is about $88 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,178 |
| 4 | San Tan Valley | $1,161 |
| 5 | Buckeye | $1,156 |
| 6 | Peoria | $1,137 |
| 7 | Mesa | $1,125 |
| 8 | Goodyear | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Scottsdale | $1,117 |
| 11 | Gilbert | $1,108 |
| 12 | Maricopa | $1,085 |
| 13 | Chandler | $1,082 |
| 14 | Casa Grande | $1,079 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,061 |
| 17 | Casas Adobes | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $960 |
| 21 | Yuma | $954 |
| 22 | Prescott | $914 |
| 23 | Sierra Vista | $890 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $844 |
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Annual rates are approximated as vehicle location can decrease or increase insurance rates significantly.
How to get discounts on Tucson car insurance
Insurance providers that offer coverage for handicapped drivers may provide discounts that could reduce prices by as much as 35% or more if you qualify for them. A list of companies and some of the premium reductions they offer are outlined below.
- GEICO may have discounts that include multi-vehicle, anti-theft, membership and employees, daytime running lights, air bags, driver training, and anti-lock brakes.
- Mercury Insurance offers discounts for anti-theft, accident-free, location of vehicle, low natural disaster claims, annual mileage, and good student.
- Farmers Insurance has savings for pay in full, alternative fuel, teen driver, bundle discounts, early shopping, good student, and distant student.
- Auto-Owners Insurance policyholders can earn discounts including air bags, safe driver, teen driver, anti-lock brakes, multi-policy, group or association, and mature driver.
- Liberty Mutual offers discounts including newly married, good student, new move discount, multi-policy, hybrid vehicle, and multi-car.
- SAFECO includes discounts for accident prevention training, safe driver, teen safe driver, homeowner, bundle discounts, drive less, and anti-theft.
- Progressive discounts include continuous coverage, multi-vehicle, online signing, homeowner, multi-policy, online quote discount, and good student.
- USAA offers premium reductions for vehicle storage, good student, new vehicle, driver training, and multi-vehicle.
The illustration below illustrates the comparison of auto insurance costs with and without discounts applied to the rates. The rate quotes are based on a female driver, no violations or claims, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, vehicle safety, marriage, claim-free, multiple vehicle, and multiple policy discounts applied. In this example, the average amount saved each year on auto insurance for handicapped drivers is 28% or $406.
The diagram below illustrates how your choice of deductibles can change insurance costs when quoting cheap insurance for handicapped drivers. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could save $380 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $572 by changing to a $1,000 deductible. Even younger drivers, such as the Age 20 example, could save $844 every year by choosing a higher deductible. If you do raise deductibles, it will be required to have additional savings on hand to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Driving violations and accidents
The best way to get the cheapest auto insurance rates for drivers with handicaps is to drive cautiously and avoid accidents and traffic violations. The chart below shows how violations and fender-benders increase insurance prices for different ages of insureds. The prices are based on a married female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
The chart shows that the average cost of auto insurance in Tucson per year with no accidents or violations is $971. Receive one speeding ticket and the average cost surges to $1,130, an increase of $160 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for handicapped drivers goes up to an average of $1,577. That’s an increase of $606, or $51 per month, just for a couple of infractions!
Don’t make the mistake of not shopping around
Tucson auto insurance rates are determined by lots of factors that may substantially change the price you have to pay. Simply having another birthday, moving to a new city, or getting into an accident may prompt premium changes that can cause some rates to be more affordable than before. And not only may your rating factors change, but insurance companies change premium rates as needed in order to remain profitable. A period of higher than normal claims can cause higher priced premiums, while profitable underwriting can cause more affordable Tucson car insurance rates.
To help illustrate this point, the data below shows which company has the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no prior accidents, a clean driving record, and good credit. If we estimate prices based on his current situation, The Hartford offers the cheapest car insurance rates in Tucson at $1,052 annually. This is $376 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also make the list of the cheapest Tucson, AZ auto insurance companies.
Let’s now give the driver in the first chart a claim, slightly worse credit, and a traffic citation. Due to the fact that every auto insurer has their own guidelines for determining prices, comparing rates could now result in a different set of the cheapest car insurance companies in Tucson as shown below.
GEICO now has the cheapest car insurance in Tucson with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual also having competitive pricing. This example illustrates why drivers need to compare many different companies to get the best car insurance quotes for handicapped drivers. Rates can be determined by many risk factors and can increase or decrease at any time, so the best price when you bought your policy may now be an over-priced policy.