What Auto Insurance is Cheapest for a 20 Year Old Male in Tucson?

You have probably seen the captivating ads from auto insurance companies like The General and GEICO that claim the cheapest rates. So drivers just need to pick the one with the catchiest commercial, right?

It’s just not that simple, as there are a whole bunch of unknowns such as how old you are, if you own a home, your credit score, and whether or not your vehicle has good safety ratings, that all factor into the price you pay. We will touch on the best ways to avoid high prices and will hopefully give you a good start in finding the cheapest car insurance in Arizona.

The vehicle you are buying coverage for is a large factor when comparison shopping for the most economical coverage for 20 year old guys. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The next table ranks car insurance costs for a number of the most cost-effective automobiles to buy coverage for.

Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific zip code location which can raise or lower premiums considerably.

Looking at the rates, you can assume that cars like the Ford Escape, Honda CR-V, and Hyundai Elantra are the most budget-friendly vehicles to insure for young men. Rates will be more expensive just due to the fact that there is more claim risk for 20 year old guys, but generally speaking those particular vehicles will probably have the least expensive rates compared to all other vehicles.

Deciding which company offers the best insurance rates for 20 year old guys may require a little more work than just getting one or two price quotes. Every insurance company has a proprietary method for establishing rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Tucson.

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The Hartford generally has some of the lowest car insurance rates in Tucson at around $845 a year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheaper Tucson, AZ auto insurance companies.

As shown in the table above, if you are a policyholder with Auto-Owners and switched to The Hartford, you may see annual savings of in the vicinity of $43. Policyholders with Safeco might save as much as $60 a year, and Travelers insureds might reduce prices by as much as $230 a year.

To compare your rates to other Arizona insurance companies, click here to get quotes or quote prices from the following companies.

Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not factor in a specific zip code for 20 year old guys. So the auto insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Ending up with the top auto insurance company can be difficult considering how many companies provide coverage in Arizona. The ranking information listed below may help you choose which auto insurers to look at comparing rate quotes with.

The rankings below are only comprised of the largest auto insurers in America, so smaller companies are not factored into the list. To compare rates from these and other companies in Arizona, follow this link.

Safe drivers pay less for insurance

The recommended way to score affordable insurance rates in Tucson for young men is to be a safe driver and avoid accidents and traffic citations. The information below shows how speeding tickets and fender-benders can influence insurance premiums for different age groups. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.

The chart shows that the average cost of car insurance in Arizona per year with no accidents or violations is $1,798. Add in one speeding ticket and the average cost hikes up to $2,039, an increase of $241 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for 20 year old guys goes up to an average of $4,220. That’s an increase of $2,422, or $202 per month, just for being a less-than-perfect driver!

Here’s why price comparisons are so important

Tucson insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign may generate price changes that can make some companies cheaper than competitors.

Also, insurance companies change rates every year or even multiple times each year to reflect underwriting profits or losses. An extended period of higher than normal claims may result in rate increases, while a better loss history can produce lower-priced Tucson car insurance rates.

To illustrate this point, the chart below compares the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no violations or accidents, and good financial standing. When comparing rates based on his personal risk profile, The Hartford quotes the lowest car insurance rates in Tucson at $1,062 annually. This is $366 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are the remaining cheapest Tucson, AZ auto insurance companies.

The chart below compares rates after we give the driver from the first example a claim, bad credit, and a traffic citation. Due to the fact that each insurance company has their own formula to set their prices, comparing rates could now result in a different set of affordable companies as shown below.

GEICO now has the best insurance rate in Tucson, AZ with CSAA, Allied, Ameriprise Group, and Auto-Owners now being in the top five. This shows why it is so important to take the time to shop around to get the cheapest insurance rates for 20 year old guys. Rates are impacted by many things and change dramatically, so the best company the last time you shopped around may now be quite expensive.

The agents below can probably answer your questions and help you decide which auto insurance policy fits you best, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for 20 year old guys. It can be challenging to do it yourself, so professional agents can bring satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim.

To locate a Tucson car insurance agency close to you, click the button at the bottom or click here to compare rates now.

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