The words “low-cost” and “auto insurance” really should not be used together, in particular when searching for the best price on coverage for hybrid vehicles. Let’s open your eyes to some situations that have an impact on car insurance rates, and find out if we can help you shave a little off the next policy you buy.
One of the many criteria that help determine the amount you pay for auto insurance is the neighborhood you call home. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below shows the most expensive cities in Arizona for hybrid vehicles to purchase a policy in. Tucson is ranked #16 with a yearly premium of $1,072 for the average insurance policy, which is approximately $89 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,186 |
| 4 | Tempe | $1,152 |
| 5 | San Tan Valley | $1,150 |
| 6 | Mesa | $1,147 |
| 7 | Gilbert | $1,142 |
| 8 | Scottsdale | $1,129 |
| 9 | Peoria | $1,126 |
| 10 | Buckeye | $1,122 |
| 11 | Goodyear | $1,120 |
| 12 | Maricopa | $1,107 |
| 13 | Chandler | $1,093 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Casas Adobes | $1,072 |
| 16 | Tucson | $1,072 |
| 17 | Oro Valley | $1,051 |
| 18 | Surprise | $1,048 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $896 |
| 25 | Lake Havasu City | $878 |
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Table data uses approximated as the garaging address in Tucson can change rates considerably.
Comparing quotes for low-priced car insurance is not always easy, and deciding which companies offer the best auto insurance rates for hybrid vehicles calls for a little more work.
Each auto insurance company has their own guidelines to set premium rates, so first let’s look at the rankings for the most affordable auto insurance companies in Tucson.
Cheap Insurance Rates for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,152 |
| 7 | GEICO | $1,177 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,233 |
| 11 | Safe Auto | $1,297 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,443 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,521 |
| Find Cheaper Rates Go | ||
The Hartford generally has some of the most affordable car insurance rates in Tucson at around $820 a year. This is $608 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the best Tucson, AZ car insurance companies.
As shown above, if you buy coverage from USAA and switched to Safeco, you could earn a yearly price reduction of around $195. Insureds with Progressive could save as much as $256 a year, and GEICO customers might reduce rates by $281 a year.
It’s important to note that these premium estimates are averaged across all insureds and vehicles and are not factoring in an exact zip code location for hybrid vehicles. So the auto insurance company that has the lowest price for you may not even be in the top 28 companies shown above. That underscores the importance of why you need to get quotes using your own personalized driver profile and vehicle information.
The vehicle driven is one of the primary factors when consumers are trying to find cheap auto insurance for hybrid vehicles. Vehicles with lower acceleration and performance, excellent safety ratings, or low incidents of liability claims will cost significantly less to insure than higher performance models. The information below outlines insurance costs for a handful of the most economical automobiles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,358 |
| Honda CR-V EX-L 4WD | $1,439 |
| Ford Escape XLT 4WD | $1,445 |
| Toyota RAV4 Sport 4WD | $1,451 |
| Nissan Altima 2.5 4-Dr Sedan | $1,461 |
| Toyota Tacoma X-Runner 2WD | $1,527 |
| Chevrolet Impala LTZ | $1,532 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,554 |
| Chevrolet Malibu LTZ | $1,563 |
| Kia Optima LX | $1,557 |
| Nissan Rogue SL 2WD | $1,567 |
| Dodge Grand Caravan CV | $1,577 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,587 |
| Dodge Ram 3500 Crew Cab ST 2WD | $1,612 |
| Ford F-150 STX Super Cab 2WD | $1,652 |
| Ford Edge SE AWD | $1,748 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,750 |
| Compare Rates Now Go | |
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Prices do not factor in vehicle location which can increase or decrease premiums greatly.
Looking at the data, you can assume that makes and models like the Toyota Prius, Honda CR-V, Ford Escape, and Toyota RAV4 will be the more affordable vehicles to insure for hybrids.
Picking a good quality car insurance provider can be a challenge considering how many different companies sell coverage in Arizona. The rank data below may help you analyze which companies you want to consider when buying insurance for hybrid vehicles.
The rankings below are only made up of companies with a national presence, so companies that focus mainly on Arizona business will not be included in this list. If you’d like to compare prices from these and other companies in Arizona, just click here.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Safe drivers pay less for auto insurance
A great way to earn the best auto insurance premiums in Tucson for hybrids is to drive carefully and maintain a clean driving record. The illustration below highlights how traffic violations and at-fault claims can influence insurance costs for different age groups of insureds. The costs are based on a married male driver, full coverage, $500 deductibles, and no discounts are applied.
In the prior example, the average cost of a car insurance policy per year with a clean driving record and no accidents is $1,209. Factor in two speeding tickets and the average cost surges to $1,661, an increase of $452 each year. Then throw in two accidents along with the two speeding tickets and the yearly cost of auto insurance for hybrid vehicles jumps again to an average of $3,429. That’s an increase of $2,221, or $185 per month, just for not paying attention while driving!
Get discounts on Tucson auto insurance rates
Insurers that sell policies for hybrid vehicles may additionally offer policy discounts that could reduce prices by as much as 30% if you are eligible for them. The best auto insurance companies and the discounts they provide are included below.
- Farm Bureau has discounts for driver training, renewal discount, multi-policy, multi-vehicle, and good student.
- Liberty Mutual discounts include new graduate, newly married, exclusive group savings, hybrid vehicle, preferred payment discount, and new vehicle discount.
- State Farm has savings for Steer Clear safe driver discount, passive restraint, safe vehicle, Drive Safe & Save, good student, and anti-theft.
- Auto-Owners Insurance may offer discounts for company car, multi-policy, student away at school, multiple vehicles, and anti-theft.
- GEICO includes discounts for multi-vehicle, good student, daytime running lights, driver training, air bags, and federal employee.
- SAFECO may have discounts that include multi-car, drive less, homeowner, anti-theft, and teen safety rewards.
The chart below shows the difference between car insurance rates with and without discounts applied to the rates. The information is based on a female driver, no violations or accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with passive restraint, marriage, accident-free, claim-free, defensive driving course, and anti-theft discounts applied. When discounts are applied, the average savings per year on auto insurance for hybrid vehicles is 27% or $449.
Don’t stick with an overpriced policy
Arizona auto insurance rates are influenced by many factors which can substantially change the price you pay for coverage. Improving your credit rating, having a claim, or having an at-fault accident can cause premium changes that can now make some companies cheaper than competitors.
Not only that, but auto insurance companies amend pricing every year to help ensure profitability. Higher than normal claim frequency or severity may cause additional price hikes, while a lower level of claims can result in more affordable Tucson car insurance rates.
To help illustrate this point, the chart below shows the companies that have the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with no violations or accidents, and a high credit rating. If we estimate prices based on her personal profile, The Hartford quotes the cheapest car insurance rates in Tucson at $1,062 per year. This is $366 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the best Tucson, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart an accident claim, a lower credit rating, and an imperfect driving record. Due to the fact that every insurance company has a different process to establish rates, analyzing rate quotes may now result in a different list of the cheapest Tucson car insurance companies as shown below.
Progressive now has the cheapest price in Tucson, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA completing the list. This illustrates why it is so important to compare rates when trying to get the best auto insurance rates for hybrid vehicles. Insurance prices are calculated by many risk factors and can change substantially, so the best company the last time you shopped your coverage around may now not even be in the top five.
If you have questions and prefer to have professional advice when comparing insurance rates for hybrids, the insurance agencies below can answer your questions and help you decide which auto insurance policy would work best for you.
To find a Tucson insurance agent by location nearest to you, click the button below the list or click here to compare prices now.
- Mike Pierce Insurance
1809 S 6th Ave – Tucson, AZ 85713 – (520) 884-8488 - Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 - Michael Riley – State Farm Insurance Agent
2050 E Speedway Blvd – Tucson, AZ 85719 – (520) 323-9467