The words “bargain” and “auto insurance” really shouldn’t be used in the same sentence, especially when comparison shopping for the best price on coverage for good drivers. To help control this cost, let’s teach you a few of the things that help determine insurance rates, and see if we can help you lower the price of your next policy.
Determining which companies offer the lowest-priced auto insurance rates for good drivers requires more work in order to find coverage that fits your budget.
Each auto insurance company has their own process for setting prices, so let’s take a look at the overall cheapest auto insurance companies in Tucson, AZ. Keep in mind that Tucson, AZ auto insurance rates are influenced by many factors that can increase the cost of a policy. Simply getting older, increasing deductibles, or getting a DUI can cause premium changes that can now make some companies more affordable than before.
Compare Cheap Insurance Quotes for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Progressive | $1,118 |
| 5 | Travelers | $1,119 |
| 6 | USAA | $1,124 |
| 7 | Ameriprise Group | $1,172 |
| 8 | GEICO | $1,177 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Farmers | $1,350 |
| 15 | Unitrin | $1,357 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford may offer some of the cheapest car insurance rates in Tucson at around $845 each year. Auto-Owners, Safeco, Progressive, and Travelers would also be considered some of the more affordable Tucson, AZ car insurance companies.
As illustrated above, if you are currently insured with Travelers and switched to Auto-Owners, you might realize annual savings of approximately $231. Policyholders with USAA might save as much as $236 a year, and Ameriprise Group customers might see rate reductions of $284 a year.
To get a fast rate comparison, click here to get a free quote or visit several of the following companies.
Understand that those policy prices are averaged for all drivers and vehicles and and are not calculated with an exact zip code location for good drivers. So the car insurance company that has the cheapest rates for you may not even be in the list above. That’s why you need to compare rates from multiple companies using your own driver data and vehicle information.
The vehicle model requiring insurance is a large factor when comparing low-priced coverage for good drivers. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost substantially less to insure than higher performance models. The next table outlines auto insurance costs for the cheapest vehicles to buy coverage for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra SE Touring Station Wagon | $1,383 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,393 |
| Honda Accord LX-P 4-Dr Sedan | $1,457 |
| Honda CR-V LX 4WD | $1,467 |
| Ford Focus SE 4-Dr Sedan | $1,478 |
| Ford Escape XLT 4WD | $1,490 |
| Chevrolet Impala LT | $1,506 |
| Toyota Corolla LE | $1,583 |
| Chevrolet Silverado LTZ Extended Cab 4WD | $1,611 |
| Toyota Prius | $1,613 |
| Nissan Rogue S AWD | $1,616 |
| Dodge Grand Caravan SE | $1,634 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,639 |
| Compare Rates Now Go | |
Data based on 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, multi-policy, claim-free, homeowner, and safe-driver. Price estimates do not factor in your specific Tucson, AZ location which can lower or raise auto insurance rates noticeably.
Looking at the data, we can presume that makes and models like the Hyundai Elantra, Volkswagen Jetta, and Honda Accord are going to be some of the most economical vehicles to insure for safe drivers.
Accidents and violations increase rates
The ideal way to snag the most affordable auto insurance premiums in Arizona for safe drivers is to drive carefully and avoid traffic citations and accidents. The chart below demonstrates how traffic citations and fender-benders can raise premium costs for different categories of driver ages. The premiums are based on a single female driver, full coverage, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of car insurance in Tucson per year with no accidents and a clean driving record is $1,633. Get one speeding ticket and the average cost increases to $1,849, an increase of $216 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for good drivers jumps again to an average of $2,458. That’s an increase of $826, or $69 per month, just for not being attentive to the road!
The diagram below shows how choosing a deductible can raise or lower insurance costs when quoting cheap insurance for good drivers. The premiums are based on a married female driver, full coverage, and no discounts are applied.
In the chart above, a 30-year-old driver could pocket $330 a year by increasing from a $100 deductible to a $500 deductible, or save $500 by switching to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices up to $708 or more by choosing a higher deductible.
When choosing a higher deductible, it will be required to have plenty of money set aside to enable you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How to find the cheapest car insurance for good drivers
Lowering your rates is not difficult, and here are a few money-saving suggestions that can help Tucson drivers buy cheap coverage.
- Earn discounts for being claim-free
- Pay lower rates with good credit
- Buy vehicles with five-star safety ratings
- Save money by insuring your home and auto with the same company
- Increase physical damage deductibles
- Full coverage is expensive so only insure older vehicles for liability only
- Comparison shop at least once a year
That last idea is remarkably vital, as we emphasized in the prior article. Car insurance rates in Tucson fluctuate considerably, so drivers shouldn’t be resistant to buy from a different company if a cheaper rate is available. Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing money that could be used for better things. It only take a few minutes to shop around and find cheaper car insurance for good drivers.
The Tucson car insurance agencies listed below can help you determine which coverage meets your needs best, since some people have coverage questions and would like to get some guidance when comparing insurance rates for safe drivers. It’s not always simple to find the cheapest rate yourself, so getting advice from a licensed agent can provide you peace of mind knowing you have suitable coverage if you have an accident.
To find a Tucson insurance agent nearest to you, click the button at the bottom of the list.
- HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881 - Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 - Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 - Tom DeBerry – State Farm Insurance Agent
4178 E 22nd St – Tucson, AZ 85711 – (520) 745-2800 - American Family Insurance – Kristi Frank Agency Inc.
4319 E Broadway Blvd – Tucson, AZ 85711 – (520) 323-0017