You have probably watched the ads from insurers like Liberty Mutual and Farmers that guarantee enormous savings. So you just need to choose the one with the best commercial, right?
Regrettably, it’s not quite that easy, as there are many unknowns like your age, if you own or rent your home, the amount of liability coverage you want, and if you have maintained coverage continuously, that all factor into the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to avoid paying too much and will hopefully give the reader a jump start in finding the best auto insurance.
Finding reliable, affordable car insurance is challenging, and determining which companies quote the cheapest insurance rates for 18 year olds takes even more rate comparisons. Each company uses their own calculation for determining prices, so we’ll go over the insurance companies with the most affordable rates in Tucson.
Find the Best Cheap Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,184 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,285 |
| 12 | Unitrin | $1,317 |
| 13 | Safe Auto | $1,336 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford generally has some of the lowest car insurance rates in Tucson at around $820 per year. This is $608 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Tucson, AZ car insurance companies.
In the rate table above, if you are insured with Travelers and switched to The Hartford, you may realize an annual savings of in the neighborhood of $255. Arizona drivers with USAA may save as much as $293 a year, and GEICO policyholders might reduce prices by as much as $322 a year.
It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific location for 18 year olds. So the insurer that fits your needs best may not even be in the top 28 companies shown above. That is why you need to get car insurance quotes using your own specific driver and vehicle information.
The vehicle that needs insurance is one of the biggest factors when shopping for affordable coverage for 18 year olds. Vehicles with limited top-end speed, excellent safety ratings, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The information below estimates car insurance premiums for a handful of the most budget-friendly automobiles to insure.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $3,915 |
| Ford Escape XLS 2WD | $3,925 |
| Honda CR-V EX 2WD | $3,915 |
| Volkswagen Jetta S 2.5 Station Wagon | $4,226 |
| Toyota Prius | $4,268 |
| Ford F-150 XLT Super Cab 2WD | $4,385 |
| Dodge Grand Caravan CV | $4,390 |
| Ford Focus SE 4-Dr Sedan | $4,606 |
| Honda Odyssey EX W/Rear Entertainment | $4,612 |
| GMC Sierra SLE Regular Cab 2WD | $4,651 |
| Toyota RAV4 4WD | $4,656 |
| Chevrolet Malibu LS | $4,651 |
| Jeep Grand Cherokee Laredo 4WD | $4,658 |
| Chevrolet Impala LT | $4,651 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $4,693 |
| Ford Explorer Eddie Bauer AWD | $4,703 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $4,830 |
| Hyundai Elantra Blue 4-Dr Sedan | $4,869 |
| Toyota Camry XLE | $4,914 |
| Toyota Corolla S | $4,919 |
| Ford Edge Sport AWD | $4,914 |
| Chevrolet Equinox LTZ AWD | $4,956 |
| Ford Fusion SEL 4-Dr Sedan | $4,964 |
| Get a Custom Quote Go | |
Data rating is based on single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can affect rates considerably.
Based upon these rates, cars like the Honda Accord, Ford Escape, and Honda CR-V will be a few of the most economical vehicles to insure for teen drivers. Prices will be more costly just because there is more claim exposure for 18 year olds, but generally speaking those models will have the lowest prices compared to other types of vehicles.
Best insurance company in Arizona
Finding the highest-rated company can be difficult considering how many choices you have in Tucson. The company rank data displayed below may help you decide which providers you want to consider when looking for cheaper rates. The rankings below are only comprised of the largest auto insurers in America, so companies with more of a regional focus are not included in the list.
| 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
Bad driving habits will cost you more
The recommended way to get cheap insurance prices in Tucson for teen drivers is to be a careful driver and avoid accidents and traffic citations. The illustration below highlights how speeding tickets and accident claims increase auto insurance costs for different insured age categories. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $1,798. Add in two speeding tickets and the average cost rises to $2,404, an increase of $606 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for 18 year olds increases to an average of $3,026. That’s an increase of $1,228, or $102 per month, just for not driving responsibly!
Can you find cheaper Tucson car insurance?
Arizona insurance rates are based on many factors that will increase or decrease your annual premium. Simply improving your credit, buying higher coverage limits, or getting a speeding ticket can trigger price changes resulting in some companies being more affordable than the competition.
Not only may your risk profile change, but insurance companies change prices multiple times each year to adjust for unexpected claims or profits. A period of higher than normal claims can result in additional premium costs, while a lower level of claims may cause cheaper Tucson car insurance rates.
For example, the graph below compares the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with a good driving record, no prior claims, and great credit. When quoting prices based on her current rating profile, The Hartford offers the lowest car insurance rates in Tucson at $1,018 annually. This is $410 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also on the list of the top five cheapest Tucson, AZ auto insurance companies.
In this example, we will give the driver in the first example a chargeable accident, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider has a different process for setting prices, comparing quotes most likely will result in a substantially altered list of the cheapest Tucson car insurance companies as shown below.
Progressive now has the lowest car insurance rate in Tucson, AZ with CSAA, Allied, Ameriprise Group, and Auto-Owners also being competitive. This example demonstrates why Arizona drivers need to take the time to shop around to get the lowest car insurance quotes for 18 year olds.
Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be quite expensive.
How to find the cheapest auto insurance for 18 year olds
Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help Tucson drivers quote more affordable car insurance.
- Home or renters coverage can save on auto insurance
- Clean up your credit
- Speeding tickets and other violations increase rates
- Frequent claims may make car insurance unaffordable
- Increase the comprehensive and collision deductibles on your policy
- Prevent rate increases by staying accident-free
- Compare rates regularly to ensure the best deal
The last item on the list is especially vital, as was stressed in this article. Car insurance prices in Tucson fluctuate constantly, so don’t be tentative to buy a different policy if a lower price can be found.
Staying with the same car insurance company is fine, but it’s not a good idea if that stubbornness costs you big bucks every year. It takes less than five minutes to compare prices and find cheaper insurance for 18 year olds.
The Tucson car insurance agencies listed below can probably help you determine which insurance coverage will be best for you, since some people prefer to have the advice of a professional agent when buying car insurance for 18 year olds. It can be complicated to find the cheapest auto insurance company, and a professional agent can give peace of mind knowing your policy gives you sufficient coverage at claim time.
To find a Tucson insurance agent nearest to you, click the button at the bottom.
RightSure Insurance Group
5151 E Broadway Blvd #120 – Tucson, AZ 85711 – (520) 901-7010
Rick McGee – State Farm Insurance Agent
7630 N la Cholla Blvd – Tucson, AZ 85741 – (520) 529-4676
The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737
ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700
Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd B – Tucson, AZ 85715 – (520) 885-2321