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.
| 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.
| 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.
| 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.
- At-fault accidents can raise rates significantly
- Raise deductibles to save money
- Maintaining good credit helps earn cheaper rates
- Drive vehicles with five-star safety ratings
- Save money by observing traffic laws and speed limits
- Compare rates once a year for cheaper prices
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.