Who Has Affordable Tucson Auto Insurance for Drivers with Good Credit?

The words “low-priced” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when looking for the best car insurance for drivers with good credit. Because of the high cost, let’s start the ball rolling by going over a few of the things that have an effect on car insurance rates, and find a few ways to reduce the cost of the next policy you buy.

One of the many things that are looked at to determine the price you pay for insurance is your address. More densely populated places will most likely pay more, whereas areas with lower crime rates and fewer weather claims receive better rates.

The next table shows the highest-priced areas in Arizona for drivers with good credit to buy an auto insurance policy in. Tucson is ranked at #16 with the yearly price of $1,072 for the average insured, which is approximately $89 per month.

How much is auto insurance in Tucson, AZ?
Rank City Annual Premium
1 Glendale $1,226
2 Avondale $1,222
3 Phoenix $1,218
4 San Tan Valley $1,196
5 Gilbert $1,142
6 Tempe $1,140
7 Scottsdale $1,129
8 Maricopa $1,118
9 Mesa $1,113
10 Buckeye $1,110
11 Peoria $1,093
12 Chandler $1,093
13 Goodyear $1,087
14 Casas Adobes $1,082
15 Casa Grande $1,079
16 Tucson $1,072
17 Catalina Foothills $1,050
18 Surprise $1,048
19 Oro Valley $1,031
20 Yuma $983
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Price information shown is comparative as specific Tucson garaging address can change premium rates greatly.

The make and model of vehicle needing coverage is probably the most important factor when comparing quotes for the cheapest insurance for drivers with good credit. Vehicles with limited speed and performance, excellent safety ratings, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models. The next table ranks coverage prices for some of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Prius $1,415
Ford Explorer XLT AWD $1,436
Honda CR-V LX 4WD $1,466
Chevrolet Impala LS $1,484
Ford Focus SE 4-Dr Sedan $1,489
Volkswagen Jetta SE 2.5 Station Wagon $1,495
Toyota RAV4 4WD $1,513
Chevrolet Malibu LS $1,521
Toyota Camry LE $1,513
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,569
Ford Escape Limited 4WD $1,590
Toyota Corolla S $1,592
Honda Odyssey EX-L $1,597
Ford Edge SE 2WD $1,615
Jeep Grand Cherokee Limited 4WD $1,620
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Rate quotes do not factor in specific location information which can lower or raise premiums considerably.

Looking at the rates, we can expect models like the Toyota Prius, Ford Explorer, Honda CR-V, Chevrolet Impala, and Ford Focus are going to be a few of the cheapest vehicles to insure for financially responsible drivers.

Best insurance in Tucson

Ending up with the highest-rated auto insurance provider can be challenging considering how many companies provide coverage in Tucson. The information in the lists below can help you choose which companies you want to consider when insurance shopping for drivers with good credit.

The ratings below are only comprised of companies that insure vehicles across America, so companies that only write business in Arizona or surrounding areas will not be included in this list. To get rate quotes from many more Arizona auto insurance companies, simply click here.

Top 15 Insurance Companies for Drivers with Good Credit in Tucson, AZ
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
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Data Source: Insure.com Best Car Insurance Companies

Bad driving habits will cost you more

In a perfect world, the ideal way to snag the most affordable insurance rates for financially responsible drivers is to drive carefully and maintain a clean driving record. The information below shows how violations and at-fault collisions can drive up yearly insurance costs for each different age category. Data assumes a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

The data above shows the average cost of auto insurance in Arizona per year with no violations or accidents is $971. Receive one speeding ticket and the average cost swells to $1,130, an increase of $160 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for drivers with good credit goes up to an average of $1,577. That’s an increase of $606, or $51 per month, just for being a less-than-perfect driver!

Ideas for buying budget-friendly insurance for drivers with good credit

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty suggestions that can help Arizona drivers get cheap car insurance.

The final tip is incredibly critical, as was pointed out in the article above. Auto insurance rates in Tucson can be modified anytime, so don’t hesitate to change to 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 it’s costing you major coinage every year. It only take a few minutes to shop around and find cheaper insurance for drivers with good credit.