The words “affordable” and “insurance” probably shouldn’t be used together, specifically when comparison shopping for the cheapest coverage for drivers requiring a SR22. To save some money, let’s go over some situations that have an effect on car insurance prices, and find out if we can help you lower the cost of your next policy.
The type of vehicle on the policy is probably the most important factor when comparing quotes for low-cost insurance for drivers requiring a SR22. Vehicles with lower acceleration and performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than adrenaline junky models. The next table shows car insurance rates for a handful of the cheapest vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$4,614|
|Honda CR-V EX 2WD||$4,622|
|Honda Accord EX-L 4-Dr Sedan||$4,913|
|Ford Explorer XLT 4WD||$5,159|
|Ford Fusion S 4-Dr Sedan||$5,250|
|Ford Edge SEL AWD||$5,353|
|Honda Odyssey EX W/Rear Entertainment||$5,363|
|Chevrolet Impala LT||$5,408|
|Chevrolet Malibu LT||$5,463|
|Dodge Grand Caravan SXT||$5,472|
|Toyota Tacoma Double Cab 4WD||$5,463|
|Volkswagen Jetta LE 4-Dr Sedan||$5,466|
|Chevrolet Equinox LT AWD||$5,471|
|Toyota RAV4 Limited 2WD||$5,466|
|Ford F-150 XLT Crew Cab 4WD||$5,524|
|Hyundai Elantra GLS 4-Dr Sedan||$5,660|
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Price data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Price estimates do not factor in vehicle garaging location which can revise premium rates greatly.
Looking at the data, you can presume that vehicles like the Ford Escape, Honda CR-V, Toyota Prius, and Honda Accord are likely to be some of the most budget-friendly vehicles to insure for high risk drivers. Car insurance rates will be more expensive just due to the fact that there is a higher risk for drivers requiring a SR22, but in general those specific models will most likely have the least expensive rates compared to all other vehicles.
For high risk drivers, one of the big things that determine car insurance rates is where you keep your vehicle. Areas with high crime rates or more dense population tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The table below shows the highest-priced places in Arizona for drivers requiring a SR22 to purchase car insurance in. Tucson comes in at #12 with an annual cost of $1,094 for the average policyholder, which is about $91 each month.
|Rank||City||Average Per Year|
|3||San Tan Valley||$1,196|
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Prices are comparative as the specific geographic location can raise or lower prices greatly.
Finding a high-quality auto insurance company is hard considering how many different companies sell coverage in Tucson. The ranking information listed below may help you choose which car insurance providers to look at when comparing rate quotes. These ratings are for major nationwide insurance companies, so companies that may only write in Arizona are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Large Car Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Cost of full coverage
Buying cheaper insurance is important to most vehicle owners, and a great way to pay less for insurance for drivers requiring a SR22 is to only buy liability coverage. The chart below shows the comparison of insurance rates with and without physical damage coverage. The premiums assume no claims or driving citations, $250 deductibles, marital status is single, and no policy discounts are applied.
If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,579 per year over liability only. A very common question is if paying for full coverage is worth it. There isn’t a steadfast formula for eliminating physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.
Insurance rates are higher with tickets and accidents
The obvious way to get low insurance premiums in Tucson for high risk drivers is to drive carefully and not get tickets or have accidents. The chart below illustrates how traffic citations and accident claims can increase insurance prices for different insured age categories. The information is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied.
The data charted above shows the average cost of car insurance in Tucson per year with no accidents or violations is $1,605. Factor in one speeding ticket and the average cost surges to $1,822, an increase of $217 each year. Next add two accidents along with the one speeding ticket and the yearly cost of insurance for drivers requiring a SR22 increases to an average of $3,868. That’s an increase of $2,263, or $189 per month, just for being a little careless behind the wheel!
Shop around and save
Tucson, AZ insurance rates are impacted by many factors that may substantially change the cost of having a policy. Improving your credit rating, buying a home, or getting a DUI may generate price changes that may make certain companies cheaper in comparison to the competition. Also, auto insurance companies modify pricing as often as every three months to adjust for unexpected claims or profits. Higher than usual claims may cause more expensive premiums, while profitable underwriting may cause cheaper Tucson car insurance rates.
The data below shows which company has the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no prior accidents, a clean driving record, and great credit. Based on his personal risk profile, The Hartford may offer the lowest car insurance rates in Tucson at $1,051 annually. This is $377 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also included in the top five cheapest Tucson, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver in the first chart some claims, less-than-perfect credit, and a traffic citation. Since each company has a proprietary formula for determining prices, getting updated rate quotes may result in a different ranking of companies as shown below.
GEICO now has the lowest price on auto insurance in Tucson, AZ with CSAA, Ameriprise Group, Allied, and Auto-Owners now being in the top five. This example shows why Tucson drivers need to compare lots of rates to find cheap auto insurance quotes for drivers requiring a SR22. Rates are determined by many different factors and change dramatically, so the best price three years ago may now not even be in the top five.