In a perfect world, we could just tell you the one best company that has the most affordable insurance in Arizona. Unfortunately, it’s not that simple as there are a whole slew of unknowns like what your desired deductibles are, your credit score, the type of vehicle you drive, and if you have ever had a coverage lapse, that help determine the price you have to pay. This article should teach you a little about the best ways to shop for cheaper coverage and educate you enough to have a good start in finding the cheapest car insurance in Arizona.
Comparing rates for reasonably-priced insurance is hard enough, and figuring out which company has the cheapest auto insurance rates for state employees may require even more shopping around. Every auto insurer uses a slightly different approach to establish rates, so let’s take a look at the auto insurance companies that tend to be cheaper in Tucson, AZ.
Cheap Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $905 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,131 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,197 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Unitrin | $1,317 |
| 13 | State Farm | $1,323 |
| 14 | Safe Auto | $1,323 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,429 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
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The Hartford normally has some of the best car insurance rates in Tucson at around $811 annually. Auto-Owners, Safeco, USAA, and Travelers also qualify as some of the cheapest Tucson, AZ insurance companies.
As shown in the table above, if you currently have a policy with Safeco and switched to The Hartford, you might see yearly savings of in the vicinity of $94. Arizona drivers with USAA may save as much as $269 a year, and Travelers insureds might see rate reductions of $297 a year.
These policy prices are averages for all types of insureds and vehicles and and are not figured with a specific vehicle garaging location for state employees. So the car insurance company that fits you best may not even be in the list above. That’s why you need to compare as many prices as possible using your own specific driver and vehicle information.
For state workers, one of the big considerations that are looked at to determine the amount you pay for auto insurance is where you keep your vehicle in Tucson. Areas with more people or even just a higher incidence of claims likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the benefit of cheaper car insurance.
The next table rates the most expensive cities in Arizona for state employees in which to purchase auto insurance. Tucson comes in at #12 with an annual cost of $1,094 on average, which is approximately $91 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Phoenix | $1,218 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Mesa | $1,159 |
| 6 | Scottsdale | $1,151 |
| 7 | Goodyear | $1,131 |
| 8 | Buckeye | $1,122 |
| 9 | Tempe | $1,118 |
| 10 | Gilbert | $1,108 |
| 11 | Peoria | $1,104 |
| 12 | Tucson | $1,094 |
| 13 | Chandler | $1,082 |
| 14 | Surprise | $1,080 |
| 15 | Casa Grande | $1,079 |
| 16 | Maricopa | $1,074 |
| 17 | Casas Adobes | $1,072 |
| 18 | Oro Valley | $1,051 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $983 |
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Prices are estimated as the specific area where the vehicle is garaged can change rates considerably.
The car, truck, or SUV you are insuring is one of the primary factors when comparison shopping for economical coverage for state employees. Vehicles with reasonable performance levels, excellent safety ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models.
The next list features auto insurance costs for a number of the most affordable automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,219 |
| Honda CR-V EX-L 2WD | $1,247 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,370 |
| Hyundai Elantra GLS Touring Station Wagon | $1,400 |
| Honda Odyssey EX W/Rear Entertainment | $1,418 |
| Toyota RAV4 Sport 2WD | $1,445 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,450 |
| Ford Focus SEL 4-Dr Sedan | $1,493 |
| Chevrolet Impala LTZ | $1,521 |
| Chevrolet Equinox LTZ AWD | $1,548 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,576 |
| Ford Fusion Sport AWD 4-Dr Sedan | $1,651 |
| Honda Accord EX-L 2-Dr Coupe | $1,654 |
| Toyota Camry Hybrid | $1,660 |
| Dodge Grand Caravan Hero | $1,659 |
| Toyota Camry LE | $1,666 |
| Chevrolet Malibu Hybrid | $1,659 |
| Compare Cheap Rates Go | |
Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Prices do not factor in specific garaging location which can increase or decrease premium rates significantly.
Looking at the numbers, we can infer that makes and models like the Ford Escape, Honda CR-V, and Jeep Wrangler are likely to be a few of the cheapest vehicles to insure for state workers.
Get discounts on Tucson insurance
Insurance providers that offer quotes for state employees may additionally offer special discounts that could lower prices by 25% or more if you meet certain criteria. Larger auto insurance companies and some of the discounts are included below.
- Travelers includes discounts for student away at school, continuous insurance, hybrid/electric vehicle, driver training, early quote, and good student.
- 21st Century discounts include homeowners, 55 and older, defensive driver, good student, automatic seat belts, and driver training.
- State Farm may include discounts for good student, Steer Clear safe driver discount, anti-theft, student away at school, defensive driving training, and accident-free.
- GEICO offers discounts for defensive driver, good student, federal employee, daytime running lights, membership and employees, and multi-policy.
- SAFECO has discounts for drive less, anti-theft, safe driver, multi-car, and teen safety rewards.
- AAA policyholders can earn discounts including pay-in-full, multi-policy, multi-car, good driver, and education and occupation.
The information below illustrates the difference between insurance costs with and without discounts applied to the premium. The rate quotes are based on a male driver, no claims or driving violations, Arizona state minimum liability limits, comp and collision included, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, claim-free, safe-driver, accident-free, anti-theft, and homeowner discounts applied. When taking advantage of discounts, theaverage yearly reduction on auto insurance for state employees is 28% or $642.
Cautious drivers save money
The obvious way to score the most affordable auto insurance premiums for state workers is to drive attentively and have a clean driving record. The illustration below shows how violations and at-fault collisions influence car insurance rates for different age categories. The costs are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.
In the previous example, the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $1,350. Receive two speeding tickets and the average cost surges to $1,803, an increase of $453 each year. Then add in two accidents along with the two speeding tickets and the annual cost of auto insurance for state employees increases to an average of $3,570. That’s an increase of $2,220, or $185 per month, just for not being a responsible driver!
The importance of shopping around
Tucson auto insurance rates are based on many factors which can substantially decrease or increase the cost of coverage. Improving your credit score, increasing deductibles, or getting a driving violation can produce rate changes that can cause some rates to be affordable when they were higher priced. Not only may your risk profile change, but insurance companies change their prices at least once a year in order to remain profitable. An unexpected high level of claims may cause higher priced premiums, while lower claims can result in more affordable Tucson car insurance rates.
The data below shows rates for the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with a good driving record, no prior claims, and good credit. If we estimate prices based on her current rating profile, The Hartford might offer the lowest car insurance rates in Tucson at $1,028 annually. This is $400 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA round out the rest of the top five cheapest Tucson, AZ auto insurance companies.
The chart below compares rates after we give the driver from the above example a couple of claims, bad credit, and a blemish on her driving record. Due to the fact that every auto insurer has a unique approach for determining rates, getting updated rate quotes could now result in a different list of affordable companies as shown below.
Progressive now has the lowest price on auto insurance in Tucson, AZ with CSAA, Ameriprise Group, Allied, and Farm Bureau Mutual completing the list. This example illustrates why Arizona drivers need to take the time to shop around when trying to find the most affordable car insurance rates for state employees. Insurance rates can be altered by many things and change frequently, so the best company when you last compared rates may now cost much more than other companies.
Tips to find low-cost car insurance for state employees
Lowering your rates is not difficult, and here are many penny-pinching ideas that can help you get low-cost car insurance.
- Do not get into accidents that are your fault
- Higher credit ratings may save you money
- Be a cautious driver
- Vehicles with good safety ratings have lower liability rates
- Avoid price increases by not filing claims
- Check for cheaper rates once a year
The last idea is extremely crucial, as was noted in this article. Insurance rates can change considerably based on profitability, so don’t be hesitant to buy a different policy if a more affordable rate is found.
Being loyal to a particular company is commendable, but we do not recommend it if that devotion results in you overpaying hundreds every year. It only take a few minutes to compare rates and find cheaper insurance for state employees in Tucson.
If you prefer to get some professional advice when trying to find lower insurance rates for state workers, the professional agents shown below are willing to aid you in deciding which auto insurance coverages would be the best in your situation. To locate a Tucson auto insurance agent by location nearest to you, click the link at the bottom.
- AZ Insurance Center
8880 E Speedway Blvd #101 – Tucson, AZ 85710 – (520) 722-0665 - Tim Brown: Farmers Insurance Agent
70 W Franklin St – Tucson, AZ 85701 – (520) 322-3924 - Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886 - Tim Heffentrager – State Farm Insurance Agent
116 S Kolb Rd – Tucson, AZ 85710 – (520) 296-7181 - Tim Hill – State Farm Insurance Agent
727 N Swan Rd – Tucson, AZ 85711 – (520) 321-1333