Who Has Affordable Car Insurance Quotes for Inexperienced Drivers in Tucson?

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.

Cheapest Vehicles to Insure in Tucson, AZ
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

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Cheapest auto insurance in Arizona ranked by cost per year
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
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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.

How much does car insurance cost in Tucson, AZ?
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
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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.

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 202Tucson, AZ 85716(520) 318-1775

Leavitt Group – Koty-Leavitt Insurance Agency
6992 E Broadway BlvdTucson, AZ 85710(520) 571-1900

Tucson Insurance Associates
51 W Wetmore Rd #101Tucson, AZ 85705(520) 396-4727

Annie Frits – State Farm Insurance Agent
3320 N Country Club Rd #210Tucson, AZ 85716(520) 777-7499

Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway BlvdTucson, AZ 85710(520) 296-9525

View more Tucson, AZ insurance agents