One of the many considerations that are looked at to determine auto insurance rates is where your car is garaged in Tucson. Areas with a lot of weather claims or more people likely pay more, whereas more rural areas get the luxury of paying less.
The information below sorts the most expensive areas in Arizona for 16 year olds to purchase auto insurance in. Tucson is ranked at #14 having an annual price of $1,094 on average, which is around $91 each month.
|4||San Tan Valley||$1,185|
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Rate information is approximated as the specific Tucson residence address can affect rates substantially.
The vehicle model driven is probably the largest consideration that determines the availability of low-priced car insurance for 16 year olds. Vehicles with limited top-end speed, a plethora of safety features, or low incidents of liability claims will cost much less to insure than high performance models.
The next table estimates auto insurance rates for a selection of the more affordable automobiles to buy insurance for.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V LX 4WD||$4,879|
|Honda Accord EX 4-Dr Sedan||$4,886|
|Ford Escape Limited 4WD||$5,219|
|Dodge Grand Caravan CV||$5,490|
|Ford F-150 XL Super Cab 4WD||$5,499|
|Volkswagen Jetta 2.0T Station Wagon||$5,561|
|Ford Edge SE AWD||$5,744|
|Ford Focus S 4-Dr Sedan||$5,754|
|Chevrolet Equinox LT 2WD||$5,787|
|Chevrolet Impala LT||$5,793|
|Toyota Camry LE||$5,787|
|Toyota RAV4 Sport 2WD||$5,794|
|Toyota Tacoma Double Cab TRD Sport Package 4WD||$5,832|
|Ford Explorer Limited 2WD||$5,842|
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Data rating is based on single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in zip code location which can revise price quotes noticeably.
Looking at the numbers, we can expect cars like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Dodge Grand Caravan are going to be some of the most affordable vehicles to insure for new drivers. The price of auto insurance will be higher anyway just because there is more liability risk for 16 year olds, but in general those models will have the cheapest car insurance rates that you are likely to find.
Safe drivers Tucson pay cheaper rates
The easiest method to maintain the most affordable car insurance premiums in Arizona for new drivers is to drive safe and avoid accidents and keep your driving record clean. The illustration below shows how speeding tickets and accidents influence yearly insurance costs for different categories of driver ages. The data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
In the prior example, the average cost of car insurance per year with no violations or accidents is $1,605. Receive two speeding tickets and the average cost increases to $2,138, an increase of $533 each year. Then add two accidents along with the two speeding tickets and the yearly cost of car insurance for 16 year olds increases to an average of $4,376. That’s an increase of $2,771, or $231 per month, just for not being a responsible driver!
The example below demonstrates how deductible levels can influence insurance prices when researching cheap insurance for 16 year olds. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could pocket $322 a year by switching from a $100 deductible to a $500 deductible, or save $484 by choosing a $1,000 deductible. Younger drivers, like the Age 20 chart data, have the ability to save as much as $824 or even more by choosing a higher deductible.
If you make the decision to raise deductibles, it is necessary to have spare funds to enable you to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Insuring your vehicle with a good quality auto insurance company is hard considering how many companies there are to choose from in Tucson. The company rank data listed below can help you decide which auto insurers to look at when insurance shopping for 16 year olds. The rankings below are only made up of the largest companies in America, so companies without a large exposure are not factored into these rankings.
Top 10 Large Auto Insurers Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
The Tucson, AZ, insurance agents below can answer your questions and help you decide which coverages you need, as many people would rather get some guidance when trying to find lower insurance rates for 16 year olds. It’s not always simple to find the best policy on your own, so a licensed agent can bring comfort knowing your policy gives you enough coverage if you have a claim. To locate an agency close to where you live, click the button after the list or click here to compare prices now.
- John J Jewell Insurance Agency Inc
5442 E 5th St – Tucson, AZ 85711 – (520) 747-3737
- Oasis Insurance
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000
- American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste A – Tucson, AZ 85712 – (520) 318-0734
- Allied Insurance Group
2424 E Broadway Blvd # 114 – Tucson, AZ 85719 – (520) 918-2886
How to find cheaper insurance for 16 year olds
It is possible to find better rates, and here are many penny-pinching solutions that can help you get low-cost coverage.
- Raise deductibles
- Avoid getting citations and tickets
- Full coverage may not be needed on older vehicles
- Earn discounts for being claim-free
- Avoid accidents
- Compare rates once a year for cheaper prices
That last idea is remarkably important, as was pointed out in the article above. Prices charged by companies in Tucson can change considerably in a year, so drivers shouldn’t hesitate to change to a new company if a better rate can be found.
Sticking with a specific company is fine, but is isn’t recommended if that dedication is costing major coinage every year. Now is a great time to shop around to find cheaper auto insurance for 16 year olds.