Comparing rates for low-cost auto insurance is confusing at best, and figuring out which company offers the best car insurance rates in Tucson calls for even more work. Each auto insurer has a unique approach to set policy rates, so first let’s look at the rankings for the car insurance companies with the overall best prices in Tucson.
It’s important that you understand Arizona car insurance rates are influenced by many factors that control the price you have to pay for coverage. Events like a birthday, buying a different vehicle, or having a fender bender may cause policy rate changes resulting in some companies being more expensive than others.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $897 |
| 4 | Travelers | $1,119 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Farmers | $1,350 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,429 |
| 18 | Titan | $1,433 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,552 |
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The Hartford may have some of the best car insurance rates in Tucson at around $811 each year. This is $617 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the cut as some of the best Tucson, AZ insurance companies.
In the rate table above, if you are insured with USAA and switched to Safeco, you may see annual savings of about $228. Arizona drivers with GEICO may save as much as $235 a year, and Progressive customers might lower prices by $256 a year.
Remember that these premium estimates are averages for all types of drivers and the different vehicles they drive and do not factor in an exact zip code location in Tucson. So the auto insurance company that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That points out the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.
One of the many considerations that aid in calculating the annual cost of car insurance is where you choose to live. Areas with a lot of weather claims or more people likely pay more, whereas areas with less crime or weather claims have the enjoyment of a little cheaper coverage.
The illustration below lists the highest-priced areas in Arizona to buy car insurance in. Tucson is ranked #16 costing $1,072 for the average policyholder, which is around $89 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,210 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,150 |
| 6 | Buckeye | $1,144 |
| 7 | Gilbert | $1,142 |
| 8 | Goodyear | $1,120 |
| 9 | Mesa | $1,113 |
| 10 | Maricopa | $1,107 |
| 11 | Tempe | $1,106 |
| 12 | Peoria | $1,093 |
| 13 | Casa Grande | $1,089 |
| 14 | Chandler | $1,082 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Tucson | $1,072 |
| 17 | Surprise | $1,058 |
| 18 | Casas Adobes | $1,050 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $914 |
| 23 | Lake Havasu City | $870 |
| 24 | Bullhead City | $869 |
| 25 | Sierra Vista | $863 |
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Information shown are comparative as the specific garaging location can decrease or increase insurance rates considerably.
The vehicle needing coverage is a large factor that determines whether or not you can buy low-cost coverage in Tucson. Vehicles with high performance, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models. The next table showcases car insurance premiums for the cheapest automobiles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $1,270 |
| Ford Escape XLT 4WD | $1,298 |
| Hyundai Elantra SE Touring Station Wagon | $1,379 |
| Chevrolet Impala LT | $1,504 |
| Toyota RAV4 Limited 4WD | $1,509 |
| Ford F-150 XL Super Cab 2WD | $1,524 |
| Toyota Tacoma Double Cab 4WD | $1,532 |
| Toyota Prius | $1,544 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,555 |
| Honda Civic LX 4-Dr Sedan | $1,557 |
| Ford Edge Sport 2WD | $1,585 |
| Chevrolet Silverado 2500HD LTZ Crew Cab 4WD | $1,613 |
| Ford Focus SE 4-Dr Sedan | $1,616 |
| GMC Sierra 3500HD SLE Crew Cab 2WD | $1,644 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,646 |
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can lower or raise prices noticeably.
Based upon the table data, you can infer that cars like the Honda CR-V, Ford Escape, Hyundai Elantra, Chevrolet Impala, and Toyota RAV4 are likely to be a few of the less-costly vehicles to insure for drivers in Tucson.
Irresponsible driving raises your rates
The recommended way to snag good auto insurance prices in Tucson for drivers in Tucson is to drive attentively and avoid accidents and traffic citations. The example below shows how traffic citations and fender-benders can drive up auto insurance rates for different ages of insureds. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
The data above shows the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $2,035. Factor in one speeding ticket and the average cost jumps to $2,307, an increase of $272 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance in Tucson jumps again to an average of $3,070. That’s an increase of $1,035, or $86 per month, just for not being a responsible driver!
How to find more affordable car insurance in Tucson
Below you’ll find a few penny-pinching ideas that can help drivers buy lower-cost coverage.
- Do not get traffic violations
- Safer vehicles cost less to insure
- Maintaining good credit helps earn cheaper rates
- Higher physical damage deductibles lower rates
- Maintain a safe distance and avoid accidents
- Compare rate quotes frequently
That last piece of advice is particularly important, as was affirmed in the prior information. Coverage rates vary greatly, so don’t be hesitant to buy a different policy if a cheaper rate is available.
Staying with the same company for years is fine, but we do not recommend it if your bullheadedness ends up costing you a small fortune year after year. It only takes a couple minutes to compare prices and find cheaper auto insurance in Tucson in Tucson.
The agents listed below can most likely help you make a decision which car insurance policy is best, since some people prefer to get some professional advice when comparing insurance rates for drivers in Tucson. It’s not always easy to find the cheapest car insurance policy, and agents can provide you comfort knowing your coverage gives you adequate protection. To find a Tucson insurance agent closest to you, click the button at the bottom.
- Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499 - Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683 - DM Lovitt Insurance Agency
607 N 6th Ave – Tucson, AZ 85705 – (520) 798-1888 - Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525