Finding affordable auto insurance is not the easiest thing to accomplish, and finding out which insurers offer the lowest-priced car insurance rates for Lyft drivers requires a bit more work. Each insurance company uses their own formula for filing rates in each state, so we’ll take a look at the overall cheapest car insurance companies in Tucson.
Find the Best Cheap Insurance for Your Lyft Vehicle
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,108 |
| 5 | Progressive | $1,118 |
| 6 | USAA | $1,124 |
| 7 | GEICO | $1,177 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,213 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,285 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,443 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,567 |
| Find Cheaper Rates Go | ||
The Hartford quotes some of the lowest car insurance rates in Tucson at around $811 per year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and Progressive would also be considered some of the cheapest Tucson, AZ insurance companies.
In the above rates, if you buy coverage from Progressive and switched to Safeco, you may see an annual premium reduction of upwards of $213. Policyholders with USAA could save as much as $219 a year, and GEICO insureds might cut rates by $272 a year.
Understand that those premium estimates are averages for all drivers and vehicles and do not factor in an exact location for Lyft drivers. So the company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
For Lyft vehicles, one of the more important factors that are looked at to determine car insurance rates is where you live in Tucson. Areas with increased crime or more people tend to have higher rates, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The information below shows the highest-priced places in Arizona for Lyft drivers to buy auto insurance in. Tucson is listed at #17 with an annual cost of $1,061 for the average policy, which is about $88 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | San Tan Valley | $1,150 |
| 5 | Scottsdale | $1,129 |
| 6 | Peoria | $1,126 |
| 7 | Chandler | $1,126 |
| 8 | Buckeye | $1,122 |
| 9 | Gilbert | $1,120 |
| 10 | Tempe | $1,118 |
| 11 | Mesa | $1,113 |
| 12 | Maricopa | $1,107 |
| 13 | Surprise | $1,090 |
| 14 | Goodyear | $1,087 |
| 15 | Casa Grande | $1,079 |
| 16 | Oro Valley | $1,062 |
| 17 | Tucson | $1,061 |
| 18 | Casas Adobes | $1,050 |
| 19 | Catalina Foothills | $1,040 |
| 20 | Yuma | $963 |
| Quote Best Rates Go | ||
Annual rates are estimated as the specific geographic location can revise rates significantly.
The vehicle model needing coverage is a large consideration when trying to find the best insurance for Lyft drivers. Vehicles with more horsepower, a lack of modern safety features, or high incidents of liability claims will cost more to insure than safer models.
The next list features auto insurance premiums for a handful of the more affordable automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,041 |
| Honda CR-V EX-L 2WD | $1,063 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,128 |
| Ford Escape Limited 2WD | $1,163 |
| Jeep Grand Cherokee Laredo 2WD | $1,230 |
| Chevrolet Malibu LT | $1,255 |
| Ford Focus SES 4-Dr Sedan | $1,273 |
| Toyota Tacoma X-Runner 2WD | $1,295 |
| Toyota Prius | $1,300 |
| GMC Sierra SLT Extended Cab 4WD | $1,320 |
| Toyota Corolla XRS | $1,329 |
| Dodge Grand Caravan Hero | $1,340 |
| Ford Edge SEL 2WD | $1,342 |
| Start a Quote Go | |
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Price estimates do not factor in specific location information which can affect prices greatly.
Based upon the table data, we can assume that models like the Hyundai Elantra, Honda CR-V, Volkswagen Jetta, and Ford Escape are most likely going to be the most affordable vehicles to insure for Lyft vehicles.
Driving violations and accidents
One of the best ways to receive low car insurance premiums for Lyft vehicles is to be a careful driver and avoid getting tickets or having accidents. The diagram below shows how traffic citations and at-fault fender-benders can affect insurance prices for different age categories. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $1,330. Add in one speeding ticket and the average cost swells to $1,544, an increase of $215 each year. Then include two accidents along with the one speeding ticket and the 12-month cost of car insurance for Lyft drivers goes up to an average of $3,363. That’s an increase of $2,033, or $169 per month, just for not being attentive to the road!
Picking the highest-rated company can be a challenge considering how many companies sell coverage in Tucson. The ranking data listed below may help you decide which car insurance companies to look at shopping your coverage with. The ratings below only include companies who write in the majority of U.S. states, so smaller companies are not taken into consideration for this 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to get discounts on Tucson auto insurance
Insurers that offer coverage for Lyft drivers may have special discounts that can lower rates by 25% or more if you meet the requirements. Larger car insurance companies and a summarized list of policyholder discounts include:
- GEICO has savings for membership and employees, good student, multi-policy, anti-lock brakes, seat belt use, and air bags.
- USAA discounts include new vehicle, defensive driver, multi-policy, driver training, and multi-vehicle.
- Progressive has discounts for homeowner, multi-vehicle, online quote discount, good student, and continuous coverage.
- American Family offers premium reductions for TimeAway discount, multi-vehicle, Steer into Savings, defensive driver, good student, bundled insurance, and mySafetyValet.
- Esurance includes discounts for online quote, renters, anti-theft, paid-in-full, multi-policy, safety device, and online shopper.
- Farmers Insurance policyholders can earn discounts including good student, early shopping, mature driver, teen driver, homeowner, and business and professional.
- State Farm may have discounts that include passive restraint, good driver, good student, defensive driving training, and multiple policy.
The illustration below compares car insurance rates with and without some available policy discounts. Data assumes a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with accident-free, marriage, claim-free, defensive driving course, multiple vehicle, and homeowner discounts applied. With discounts applied, theamount saved on car insurance for Lyft drivers is 28% or $482.
How to find the cheapest car insurance for Lyft drivers
Here are many thrifty ideas that can help drivers locate cheap coverage.
- Increase your credit score
- Speeding tickets and other violations increase rates
- At-fault accidents can raise rates significantly
- Higher physical damage deductibles lower rates
- Assess whether full coverage is needed
- Vehicles with good safety ratings have lower liability rates
- Compare rate quotes often
The last tip is extraordinarily critical, as was noted in this article. Rates in Tucson can be adjusted at any time, so don’t be afraid to buy from a new company if you can find a cheaper rate. Staying with the same car insurance company is fine, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars a year. If you have a few minutes, shop around to find cheaper insurance for Lyft drivers.
If you aren’t clear which coverage you need and would like to get help from a professional when buying car insurance for Lyft vehicles, the agents shown below can probably answer your questions and help you decide which car insurance company is the best fit.
To locate an agency close to where you live, click the button below the list or click here to compare rates now.
DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888
Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683
Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333
Gene Molina – State Farm Insurance Agent
2160 W Holladay St – Tucson, AZ 85746 – (520) 883-1500