For pre-owned vehicles, one of the largest considerations that determine the annual cost of car insurance is the neighborhood you call home. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The illustration below sorts the most costly cities in Arizona for used cars to buy car insurance in. Tucson comes in at #13 with the yearly price of $1,094 for coverage, which is approximately $91 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,196 |
| 5 | Scottsdale | $1,163 |
| 6 | Peoria | $1,126 |
| 7 | Buckeye | $1,122 |
| 8 | Gilbert | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Mesa | $1,113 |
| 11 | Maricopa | $1,107 |
| 12 | Goodyear | $1,098 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,082 |
| 15 | Oro Valley | $1,062 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,057 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casas Adobes | $1,040 |
| 20 | Flagstaff | $969 |
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Table data uses approximated as the specific area where the vehicle is garaged can impact insurance rates substantially.
Deciphering which companies have the lowest-priced auto insurance rates for used cars may require more work in order to find the most economical policy. Each insurer has a unique formula to set premium rates, so we will examine the lowest cost auto insurance companies in Arizona.
It’s important that readers know that Tucson, AZ auto insurance rates are determined by lots of factors that can increase the policy premium. Turning one year older, having a claim, or getting into an accident can trigger rate changes that may make certain companies cheaper in comparison to the competition.
Best Insurance Companies for Used Cars
The Hartford offers some of the best car insurance rates in Tucson at around $820 each year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Tucson, AZ car insurance companies.
As the rates illustrate above, if you buy coverage from Travelers and switched to Auto-Owners, you might see a yearly savings of roughly $189. Customers with USAA could save as much as $194 a year, and Progressive policyholders might realize rate reductions of up to $233 a year.
Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location for used cars. So the auto insurance company that fits your situation best may not even be in the top 28 companies shown above. That emphasizes why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Types of discounts on Tucson auto insurance
Insurance companies that sell policies for used cars may have discounts that can lower rates by as much as 35% if you can meet the requirements. A few popular companies and the discounts they provide are included below.
- Progressive has savings for online quote discount, good student, multi-policy, continuous coverage, homeowner, and multi-vehicle.
- AAA discounts include AAA membership discount, multi-policy, anti-theft, multi-car, and pay-in-full.
- Farmers Insurance includes discounts for mature driver, teen driver, youthful driver, electronic funds transfer, bundle discounts, and alternative fuel.
- GEICO policyholders can earn discounts including anti-lock brakes, five-year accident-free, military active duty, multi-vehicle, daytime running lights, and driver training.
- Esurance may have discounts that include online shopper, safety device, multi-policy, homeowner, and anti-lock brakes.
- SAFECO offers discounts including anti-theft, accident prevention training, teen safety rewards, teen safe driver, and safe driver.
- State Farm may include discounts for Steer Clear safe driver discount, anti-theft, safe vehicle, defensive driving training, and accident-free.
The information below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The premium estimates are based on a male driver, no driving violations, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with multiple vehicle, safe-driver, defensive driving course, anti-theft, passive restraint, and accident-free discounts applied. When these discounts are applied to the policy premium, the average savings per year on auto insurance for used cars is 28% or $392.
How accidents and violations affect rates
One of the best ways to get the most affordable auto insurance prices in Tucson for pre-owned vehicles is to pay attention while driving and avoid accidents and traffic citations. The diagram below illustrates how traffic citations and fender-benders can drive up annual premium costs for each age group. The premiums assume a married male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of auto insurance in Arizona per year with no accidents and a clean driving record is $2,001. Get one speeding ticket and the average cost swells to $2,296, an increase of $295 each year. Now add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for used cars jumps again to an average of $4,772. That’s an increase of $2,771, or $231 per month, just for not keeping your driving record clean!
Don’t stick with an overpriced policy
Tucson, AZ auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay. Getting older, having a teenage driver, or getting into an accident can cause premium changes that may make certain companies more affordable than others.
Also, companies file new rates as often as every quarter to reflect underwriting profits or losses. Significantly higher claims may cause increased policy costs, while long-term profits may result in lower-priced Tucson car insurance rates.
To illustrate this example, the bar chart below compares the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no prior claims, no tickets, and great credit. If we estimate prices based on his personal risk profile, The Hartford may have the best car insurance rates in Tucson at $1,084 a year. This is $344 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Tucson, AZ auto insurance companies.
In this next rate comparison, we will give the driver in the first example a claim, less-than-perfect credit, and an imperfect driving record. Since each insurance company uses their own method to determine rates, comparing prices could result in a significantly different list of the cheapest car insurance companies in Tucson as shown below.
GEICO now has the cheapest car insurance in Tucson, AZ with Ameriprise Group, Auto-Owners, CSAA, and Allied now rounding out the top five. This example shows why it is crucial to spend some time comparing rates to find the most affordable insurance quotes for used cars. Car insurance prices consist of many things and can decrease or increase without notice, so the cheapest option the last time you shopped your coverage around may now be one of the more expensive options.
How to find more affordable auto insurance for used cars
Lowering your rates is not difficult, and here are many penny-pinching solutions that can help drivers locate cheaper auto insurance.
- At-fault accidents will increase rates
- Improve your credit rating
- Safer vehicles cost less to insure
- Higher physical damage deductibles lower rates
- You will pay more if you get tickets or have at-fault accidents
- Shop around once a year for cheaper rates
The last suggestion is incredibly vital, as was affirmed in this piece. Auto insurance prices can change considerably in a year, so drivers shouldn’t be resistant to change insurance companies if a more affordable rate is found. Having brand loyalty is commendable, but it’s not recommended if your bullheadedness ends up costing you a lot of money. If you have a few minutes, compare rates to find cheaper auto insurance for used cars in Tucson.