The car, truck, or SUV to be insured is a large consideration when trying to find economical coverage for inexperienced drivers. Vehicles with more horsepower, poor safety features, or a history of substantial liability claims will cost much more to insure than more modest models.
The data below estimates coverage costs for a handful of the most economical automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,472 |
| Ford Edge Limited 2WD | $1,545 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,553 |
| Ford Escape XLT 4WD | $1,555 |
| Toyota Tacoma Double Cab 4WD | $1,605 |
| Dodge Grand Caravan Crew | $1,615 |
| Toyota Camry XLE | $1,658 |
| Honda CR-V EX-L 4WD | $1,671 |
| Toyota Corolla XRS | $1,686 |
| Honda Odyssey Touring | $1,693 |
| Jeep Grand Cherokee Limited 4WD | $1,686 |
| GMC Sierra SL Crew Cab 2WD | $1,696 |
| Ford Explorer Eddie Bauer 2WD | $1,707 |
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Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in zip code location which can modify price quotes considerably.
Based upon the rates shown, you can expect models like the Toyota Prius, Ford Edge, and Volkswagen Jetta are most likely going to be some of the most budget-friendly vehicles to insure for new drivers.
Establishing which company quotes the cheapest auto insurance rates for inexperienced drivers will take a tad more effort than just picking a company at random. Every insurance provider has a proprietary method to establish rates, so we need to take a look at the lowest cost auto insurance companies in Tucson.
It’s a good idea to know that Arizona auto insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay. Simply getting older, having a teenage driver, or having an at-fault accident may generate price changes that can make some companies much cheaper than others.
Lowest Insurance Price Quotes for Newbies
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,091 |
| 5 | Travelers | $1,108 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,297 |
| 13 | State Farm | $1,323 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,433 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,443 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,522 |
| Quote Your Rates Go | ||
The Hartford offers some of the cheapest car insurance rates in Tucson at around $845 per year. Safeco, Auto-Owners, USAA, and Travelers also rank well as some of the cheapest Tucson, AZ insurance companies.
As shown in the rates above, if you are a customer of Auto-Owners and switched to The Hartford, you may see an annual savings of about $79. Arizona drivers with USAA could save as much as $246 a year, and Travelers policyholders might lower prices by up to $263 a year.
To get a quick, customized rate comparison, click here to start your free quote or visit any of the companies below.
It’s important to note that these policy rates are averaged for all types of drivers and the different vehicles they drive and do not factor in a vehicle location for inexperienced drivers. So the company that can offer you the best price may not even be in the top 28 companies shown above. That’s why you need to get rate quotes from many companies using your own driver data and vehicle information.
One of the more important considerations that are looked at to determine the amount you pay each year for auto insurance is where you normally keep your vehicle. Areas with more people or more claims tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from lower coverage costs.
The table below shows the highest-priced places in Arizona for inexperienced drivers to buy an auto insurance policy in. Tucson is ranked #17 with an annual rate of $1,061 for the average policyholder, which is about $88 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,186 |
| 3 | Glendale | $1,178 |
| 4 | San Tan Valley | $1,150 |
| 5 | Gilbert | $1,142 |
| 6 | Tempe | $1,140 |
| 7 | Scottsdale | $1,129 |
| 8 | Mesa | $1,113 |
| 9 | Buckeye | $1,110 |
| 10 | Maricopa | $1,107 |
| 11 | Peoria | $1,104 |
| 12 | Goodyear | $1,098 |
| 13 | Surprise | $1,090 |
| 14 | Chandler | $1,082 |
| 15 | Casa Grande | $1,079 |
| 16 | Oro Valley | $1,062 |
| 17 | Tucson | $1,061 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $992 |
| Compare Rates Now Go | ||
Prices are approximated as the specific zip code location can impact prices significantly.
Drive responsibly or pay higher rates
The recommended way to snag the cheapest auto insurance prices in Tucson for new drivers is to drive cautiously and avoid accidents and violations. The chart below shows how traffic citations and at-fault collisions can increase car insurance rates for different insured age categories. The data is based on a single male driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of auto insurance in Tucson per year with no violations or accidents is $1,745. Add in one speeding ticket and the average cost hikes up to $1,964, an increase of $219 each year. Then include two accidents along with the one speeding ticket and the yearly cost of auto insurance for inexperienced drivers jumps again to an average of $3,794. That’s an increase of $2,049, or $171 per month, just for not keeping your driving record clean!
The diagram below highlights how deductible selection can increase or decrease yearly insurance costs when trying to find cheap insurance for inexperienced drivers. The rate quotes are based on a married male driver, comp and collision included, and no discounts are applied.
In the chart above, a 50-year-old driver could lower their policy premium by $210 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $316 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, have the ability to save $694 each year just by choosing higher deductibles.
When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional funds in a savings account to enable you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Why you should compare rates
Arizona auto insurance rates are impacted by many factors that may substantially change the price of your policy. Getting older, buying a home instead of renting, or having an at-fault accident may generate price changes resulting in some companies being more affordable than the competition.
Also, insurance companies change premium rates without warning in order to maintain liquidity for claims. Significantly higher claims can result in higher prices, while a lower level of claims can result in cheaper Tucson car insurance rates.
The data below shows the companies that have the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no accidents or violations, and a high credit rating. If we estimate prices based on his current rating profile, The Hartford offers the most affordable car insurance rates in Tucson at $1,062 a year. This is $366 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also included in the most affordable Tucson, AZ auto insurance companies.
The example below compares rates after we give the driver from above an accident surcharge, a little lower credit rating, and a traffic ticket or two. Because every insurance company has their own process to set premium rates, analyzing rate quotes could result in a substantially altered list of the cheapest Tucson car insurance companies as shown below.
GEICO now has the best car insurance rate in Tucson, AZ with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual completing the list. This demonstrates why it is so important to compare lots of rates to find cheap car insurance rates for inexperienced drivers. Insurance prices are made up of many risk factors and can change without notice, so the best option the last time you shopped your coverage around may now be quite expensive.
How to find low-cost car insurance for inexperienced drivers
The list below shows many thrifty solutions that can help drivers buy lower-cost auto insurance.
- Maintain a safe distance and avoid accidents
- Be a cautious driver
- Don’t waste money on full coverage for older vehicles
- Higher deductibles mean lower rates
- Save money by staying claim-free
- Compare rates regularly and switch companies to save money
The last idea is certainly vital, as we pointed out in the prior information. Prices change constantly, so don’t be afraid to buy from a new company if you find a cheaper price.
Being loyal to a particular company is commendable, but we do not recommend it if that devotion results in you overpaying a fortune every year. It only take a few minutes to shop around and find cheaper car insurance for inexperienced drivers in Tucson.
If you like to have a consultation when comparing insurance rates for inexperienced drivers, the agents shown below are willing to answer your questions and help you decide which car insurance policy is best.
To find a Tucson insurance agent close to where you live, click the button following the list or click here to compare prices now.
Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775
Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway Blvd – Tucson, AZ 85710 – (520) 571-1900
Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727
Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210 – Tucson, AZ 85716 – (520) 777-7499
Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525