The vehicle model you are seeking coverage for is one of the largest factors that determines whether or not you can buy the most economical auto insurance for infrequent drivers. Vehicles with higher performance characteristics, poor passenger safety features, or high incidents of liability claims will cost much more to insure than safer models.
The information below illustrates auto insurance premiums for the cheaper automobiles to buy coverage for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda Accord LX 4-Dr Sedan||$1,246|
|Honda CR-V EX-L 4WD||$1,397|
|Ford Explorer XLT AWD||$1,402|
|Hyundai Elantra GLS Touring Station Wagon||$1,410|
|Toyota Tacoma Double Cab 4WD||$1,475|
|Jeep Grand Cherokee Laredo 4WD||$1,480|
|Toyota Camry LE||$1,475|
|Ford Escape Limited 4WD||$1,520|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,525|
|Toyota Corolla XLE||$1,556|
|Ford F-150 STX Super Cab 4WD||$1,558|
|Ford Focus S 4-Dr Sedan||$1,583|
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in your specific Tucson, AZ location which can decrease or increase premiums noticeably.
By looking at the data, you can expect makes and models like the Honda Accord, Honda CR-V, Ford Explorer, and Hyundai Elantra should be some of the cheapest vehicles to insure for low mileage drivers.
For low mileage drivers, one of the big considerations that are looked at to help calculate the price you pay for insurance is where you keep your car. Areas with high crime rates or more dense population will most likely have higher rates, whereas more rural areas benefit from having to pay less for coverage.
The table below lists the highest-priced areas in Arizona for infrequent drivers to purchase a policy in. Tucson ranks #13 with an annual cost of $1,105 for the average policy, which is around $92 per month.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,161|
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Rates are approximated as the garaging address in Tucson can influence premiums greatly.
Finding dependable, budget insurance is not always easy, and finding out which company has the most affordable car insurance rates for infrequent drivers requires even more diligence.
Each auto insurance company uses a little different formula for setting prices, so we’ll take a look at the car insurance companies with the overall best prices in Tucson. It’s important that readers know that Tucson car insurance rates are influenced by many factors which can significantly increase or decrease the cost of coverage. Improving your credit score, becoming a homeowner, or having an accident can trigger rate changes that may make certain companies more expensive than competitors.
Find the Cheapest Car Insurance in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
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The Hartford quotes some of the cheapest car insurance rates in Tucson at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the best Tucson, AZ auto insurance companies.
As shown in the rates above, if you have coverage with Travelers and switched to Auto-Owners, you could realize annual savings of around $222. Customers with USAA could save as much as $227 a year, and Progressive policyholders might lower prices by $267 a year.
To see how much you can save, click here to start a quote or visit several of the following companies.
Understand that those prices are averaged across all drivers and vehicles and and are not calculated with an exact zip code location for infrequent drivers. So the company that has the cheapest price for you may not even be in the list above. That’s why you need to compare as many prices as possible using your own individual information.
Finding the best insurer is hard considering how many different companies insure vehicles in Tucson. The company rank data below could help you pick which auto insurers to look at purchasing from. The ratings below include companies that write coverage in many states, so companies that may only write in Arizona will not be included in the list.
Top 10 Large Auto Insurance Providers in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Driving violations and accidents
In a perfect world, the ideal way to snag the cheapest car insurance prices for low mileage drivers is to drive cautiously and avoid traffic citations and accidents. The diagram below illustrates how traffic citations and fender-benders can raise car insurance costs for different categories of driver ages. The costs are based on a single male driver, comp and collision included, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of a car insurance policy in Arizona per year with no violations or accidents is $1,417. Receive two speeding tickets and the average cost surges to $1,869, an increase of $452 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of car insurance for infrequent drivers increases to an average of $2,324. That’s an increase of $908, or $76 per month, just for being a little careless behind the wheel!
Shop around and save
Tucson car insurance rates are impacted by many factors that control the price you pay for coverage. Simply getting older, getting divorced, or getting a couple of tickets can trigger changes in premium that can now make some companies much cheaper than others. In addition, insurers change premium rates at least once a year to ensure their profitability. An extended period of higher than normal claims may cause rate increases, while lower claim levels can result in cheaper Tucson car insurance rates.
To help illustrate this point, the data below shows which companies have the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with a clear driving record, no claims, and excellent credit. When comparing rates based on her personal risk profile, The Hartford might quote the best car insurance rates in Tucson at $1,032 each year. This is $396 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are the rest of the most affordable Tucson, AZ auto insurance companies.
The next chart shows rates after we give the driver from the above example a claim surcharge, a lower credit score, and a few traffic violations. Since each company uses their own formula for determining rates in each state, analyzing rate quotes will most likely result in a significantly different list of companies as shown below.
GEICO now has the cheapest insurance rate in Tucson, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also having competitive pricing. This example proves why it is so important to take the time to shop around to find cheap insurance quotes for infrequent drivers. Rates are influenced by many risk factors and change substantially, so the best price the last time you compared rates may now be costing you a lot of money.
How to find cheaper auto insurance for infrequent drivers
The list below details some of the recommended penny-pinching solutions that can help Arizona drivers quote more affordable car insurance.
- Save money by bundling your home and auto policies
- Assess whether full coverage is needed
- Lower rates by purchasing a safer vehicle
- Good credit scores may make rates cheaper
- At-fault accidents can raise rates significantly
- Compare rates often to find the best deal
The final tip is very crucial, as was pointed out in the prior article. Car insurance prices can change considerably in a year, so don’t be unwilling to switch carriers if you find a better deal. Having a favorite company is fine, but we do not recommend it if that stubbornness costs you major coinage every year. Now is a great time to compare rates and find cheaper auto insurance for infrequent drivers in Tucson.