One of the more important criteria that help determine the amount you pay each year for auto insurance is where you live. Areas with more people or higher crime rates will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The table below rates the most expensive areas in Arizona for drivers with accidents to buy an auto insurance policy in. Tucson is ranked #12 with an annual cost of $1,094 on average, which is around $91 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,214 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,174 |
| 5 | Mesa | $1,159 |
| 6 | Buckeye | $1,144 |
| 7 | Gilbert | $1,142 |
| 8 | Scottsdale | $1,129 |
| 9 | Peoria | $1,126 |
| 10 | Maricopa | $1,107 |
| 11 | Tempe | $1,106 |
| 12 | Tucson | $1,094 |
| 13 | Chandler | $1,093 |
| 14 | Goodyear | $1,087 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,080 |
| 17 | Casas Adobes | $1,072 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,031 |
| 20 | Yuma | $963 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $941 |
| 23 | Sierra Vista | $872 |
| 24 | Bullhead City | $869 |
| 25 | Lake Havasu City | $852 |
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Rate quotes are approximated as specific Tucson zip code can raise or lower prices significantly.
The type of vehicle you are buying coverage for is one of the largest considerations when comparing quotes for low-cost car insurance for drivers with accidents. Vehicles with high performance engines, poor safety ratings, or high incidents of liability claims will cost substantially more to insure than safer models.
The list below showcases coverage prices for some of the cheaper automobiles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $2,999 |
| Honda Accord EX 4-Dr Sedan | $3,006 |
| Ford Escape XLT 2WD | $3,321 |
| Hyundai Elantra GLS Touring Station Wagon | $3,328 |
| Honda Odyssey EX W/Rear Entertainment | $3,514 |
| Toyota Tacoma Double Cab 4WD | $3,590 |
| Ford Explorer XLT AWD | $3,605 |
| Toyota Prius | $3,620 |
| Ford Edge SE 2WD | $3,684 |
| Ford Focus SEL 4-Dr Sedan | $3,699 |
| Jeep Wrangler Sahara 4WD 2-Dr | $3,729 |
| Dodge Grand Caravan CV | $3,734 |
| GMC Sierra SLE Crew Cab 2WD | $3,775 |
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Prices above based on single female driver age 50, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium amounts do not factor in vehicle location which can increase or decrease rates significantly.
Based on these rates, makes and models like the Honda CR-V, Honda Accord, Ford Escape, Hyundai Elantra, and Honda Odyssey should be the cheapest vehicles to insure for drivers with at-fault accidents. The price for an auto insurance policy will tend to be higher just because there is more claim exposure for drivers with accidents, but generally speaking those specific models will most likely have the best insurance prices compared to other types of vehicles.
Finding out which companies have the lowest-priced auto insurance rates for drivers with accidents involves a little more work in order to find the best policy. Every insurance provider uses their own method for filing rates in each state, so we need to take a look at the most affordable auto insurance companies in Tucson.
Lowest Insurance Price Quotes for Accident Prone Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,378 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,429 |
| 18 | Titan | $1,433 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
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The Hartford may have some of the lowest car insurance rates in Tucson at around $845 a year. This is $583 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 more affordable Tucson, AZ car insurance companies.
As shown in the table above, if you are insured with Safeco and switched to The Hartford, you may see a yearly price reduction of approximately $60. Drivers with Auto-Owners could save as much as $70 a year, and Travelers insureds might see rate reductions of $241 a year.
It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for drivers with accidents. So the insurer that is best suited for you may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own driver data and vehicle information.
Responsible drivers pay cheaper auto insurance rates
The common sense way to get good auto insurance rates in Tucson for drivers with at-fault accidents is to drive attentively and avoid accidents and violations. The example below demonstrates how citations and at-fault accidents can raise insurance costs for each different age category. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
The data charted above shows the average cost of an auto insurance policy in Tucson per year with no accidents and a clean driving record is $1,722. Add in two speeding tickets and the average cost swells to $2,283, an increase of $562 each year. Now get two accidents along with the two speeding tickets and the annual cost of auto insurance for drivers with accidents increases to an average of $4,276. That’s an increase of $2,555, or $213 per month, just for not being a responsible driver!
Get discounts on Tucson insurance
Auto insurance companies that offer quotes for drivers with accidents may also give you price discounts that may potentially lower prices by 40% or more if you meet certain criteria. The best auto insurance companies and a summarized list of policyholder discounts are shown below.
- Esurance policyholders can earn discounts including claim free, multi-policy, anti-theft, renters, Switch & Save, Pac-12 alumni, and good student.
- The Hartford offers discounts for anti-theft, vehicle fuel type, good student, bundle, driver training, defensive driver, and air bag.
- AAA offers premium reductions for multi-policy, multi-car, good student, good driver, and education and occupation.
- GEICO discounts include anti-theft, membership and employees, military active duty, defensive driver, and anti-lock brakes.
- State Farm may have discounts that include Drive Safe & Save, safe vehicle, anti-theft, student away at school, driver’s education, Steer Clear safe driver discount, and good student.
The example below shows the difference between premium costs with and without discounts applied to the rates. The rates are based on a female driver, no violations and two accidents, Arizona state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with continuous coverage, multiple vehicle, marriage, homeowner, paperless filing, and passive restraint discounts applied. With discounts applied, theaverage amount saved on auto insurance for drivers with accidents is 29% or $874.
Why you should be shopping around
Tucson auto insurance rates are influenced by many factors that control the price you have to pay. Improving your credit rating, getting married, or getting caught speeding may prompt premium changes that can make some companies more affordable than the competition. Not only may things change on your end, but companies change rates as often as every three months as an adjustment for underwriting gains or losses. Heavy losses can cause additional price hikes, while a profitable period may produce cheaper Tucson car insurance rates.
To illustrate this point, the bar chart below shows the cheapest car insurance in Tucson, AZ for a 30-year-old male driver with no accidents, a clean driving record, and a high credit rating. If we estimate rates based on his personal risk profile, The Hartford may offer the cheapest car insurance rates in Tucson at $1,039 per year. This is $389 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the rest of the cheapest Tucson, AZ auto insurance companies.
Now we will give the driver in the first chart a claim or two, less-than-perfect credit, and a traffic citation. Since each auto insurer has a proprietary method to set policy rates, getting updated rate quotes most likely will result in a different set of cheap Tucson auto insurance companies as shown below.
Progressive now has the best insurance rate in Tucson, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners now being in the top five. This example shows why Arizona drivers need to spend some time comparing rates when trying to find the most budget-friendly car insurance quotes for drivers with accidents. Rates are determined by many things and can change without notice, so the cheapest company the last time you compared rates may now be priced much higher than other options.