Who Has Affordable Auto Insurance Quotes for High Risk Drivers in Tucson?

Establishing which company quotes the cheapest insurance rates for high risk drivers will take a little more sweat than just quoting one company’s rates.

Each company uses a slightly different approach to establish rates, so let’s examine the most budget-friendly insurance companies in Tucson. It’s a good idea to know that Tucson insurance rates are calculated based on many things that will increase or decrease the policy price. Simply having a birthday, increasing deductibles, or getting a speeding ticket can trigger changes in premium that may make certain companies much cheaper than others.

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The Hartford quotes some of the cheapest car insurance rates in Tucson at around $811 a year. Auto-Owners, Safeco, USAA, and Travelers also are some of the best Tucson, AZ car insurance companies.

As the example above demonstrates, if you currently buy coverage from USAA and switched to Auto-Owners, you may see savings of approximately $192. Customers with Travelers could save as much as $231 a year, and Progressive insureds might cut rates by $242 a year.

To get a fast rate comparison, click here to start a quote or visit any of the low-priced companies below.

Remember that these estimates are averaged for all ages of drivers and types of vehicles and and are not figured with an exact location for high risk drivers. So the car insurance company that can offer you the lowest price may not even be in the list above. That point stresses why you need to compare rates from multiple companies using your own driver data and vehicle information.

One of the more important considerations that aid in calculating auto insurance rates is where you keep your vehicle in Tucson. Cities with larger populations tend to have higher rates, whereas more rural areas receive better rates.

The next table sorts the highest-priced places in Arizona for high risk drivers to purchase car insurance in. Tucson makes the list at #11 with the annual price of $1,105 on average, which is around $92 per month.

How much is auto insurance in Tucson, AZ?
Rank City Premium Per Year
1 Phoenix $1,218
2 Glendale $1,214
3 Avondale $1,186
4 San Tan Valley $1,185
5 Scottsdale $1,163
6 Mesa $1,147
7 Gilbert $1,142
8 Tempe $1,140
9 Goodyear $1,131
10 Buckeye $1,122
11 Tucson $1,105
12 Peoria $1,093
13 Chandler $1,082
14 Maricopa $1,074
15 Casas Adobes $1,072
16 Surprise $1,048
17 Casa Grande $1,047
18 Catalina Foothills $1,040
19 Oro Valley $1,020
20 Yuma $992
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Premium amounts are estimated as the garaging address in Tucson can affect auto insurance rates substantially.

The vehicle that is being insured is one of the largest considerations when comparison shopping for low-priced auto insurance for high risk drivers. Vehicles with lower performance, good crash test ratings, or a positive history of liability claims will cost much less to insure than adrenaline junky models.

The table below outlines insurance prices for some of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Tucson, AZ
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $4,354
Honda CR-V EX 2WD $4,461
Honda Accord EX-L 4-Dr Sedan $4,640
Toyota Prius $4,691
Volkswagen Jetta S 2.5 Station Wagon $4,762
Ford F-150 FX2 Super Cab 2WD $4,925
Jeep Grand Cherokee Laredo 4WD $4,928
GMC Sierra SL Extended Cab 2WD $4,933
Ford Explorer Eddie Bauer 2WD $5,040
Toyota Corolla XLE $5,147
Toyota RAV4 Limited 4WD $5,160
Chevrolet Malibu LTZ $5,196
Dodge Grand Caravan Crew $5,211
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Data rating is based on single female driver age 30, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Premium costs do not factor in specific Tucson, AZ garaging location which can alter rates greatly.

Looking at the data, we can presume that makes and models like the Ford Escape, Honda CR-V, Honda Accord, Toyota Prius, and Volkswagen Jetta are some of the most budget-friendly vehicles to insure for high risk drivers. The price of auto insurance will tend to be more expensive just because there is more claim risk for high risk drivers, but in general those vehicles will have the lowest insurance prices that you are likely to find.

What is the best insurance company in Tucson?

Finding the highest-rated insurance provider can be difficult considering how many choices you have in Tucson. The information shown below can help you analyze which insurers to look at shopping prices with. These ratings are for large insurance companies, so companies that focus mainly on Arizona business are not taken into consideration for this list.

Top 10 Large Auto Insurance Companies in Tucson Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

Drive safe and save

The easiest way to enjoy affordable insurance prices for high risk drivers is to drive safely and not have accidents or get tickets. The example below highlights how traffic violations and fender-benders can impact auto insurance costs for different categories of driver ages. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.

The data in the chart shows the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $2,182. Add in two speeding tickets and the average cost jumps to $2,938, an increase of $756 each year. Then include one accident along with the two speeding tickets and the 12-month cost of insurance for high risk drivers goes up to an average of $3,713. That’s an increase of $1,531, or $128 per month, just for not driving attentively!

Does full coverage make sense?

Reducing the cost of insurance should be important to the majority of drivers, and one easy way to lower the cost of insurance for high risk drivers is to not insure for full coverage. The diagram below illustrates the difference between car insurance costs when comparing full coverage to liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, drivers are not married, and no other discounts are factored in.

If we average the cost for all age groups, full coverage costs $1,366 per year over liability only. Many people question if it’s worth it to buy full coverage. There is no set rule for phasing out physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.

Why you are probably overpaying for car insurance

Arizona insurance rates are impacted by many factors that will increase or decrease the policy premium. Improving your credit score, marrying your spouse, or getting a couple of tickets may generate price changes that can make some companies cheaper than competitors. Not only that, but car insurance companies change premium rates every year or even multiple times each year in order to remain profitable. An extended period of higher than normal claims can cause higher priced premiums, while a profitable period can result in cheaper Tucson car insurance rates.

For instance, the chart below shows which companies have the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with a good driving record, no prior claims, and good credit. When quoting prices based on his current risk factors, The Hartford has the lowest car insurance rates in Tucson at $1,001 per year. This is $427 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also make the list of the top five cheapest Tucson, AZ auto insurance companies.

In this example, we will give the driver in the first example an accident surcharge, a lower credit rating, and a blemish on his driving record. Because each company has a unique formula to set their prices, comparing quotes could now result in a different ranking of cheap Tucson auto insurance companies as shown below.

Progressive now has the cheapest auto insurance in Tucson with Ameriprise Group, CSAA, Safeco, and Allied completing the list. This illustrates why it is important to compare lots of rates when trying to find the most affordable insurance quotes for high risk drivers. Auto insurance prices consist of many different factors and can change substantially, so the cheapest company a year ago may now be one of the more expensive options.