Trying to find cheap auto insurance is tough enough, and finding out which company quotes the cheapest auto insurance rates for drivers with a DUI will involve even more diligence. Each auto insurer has their own formula to determine premium rates, so we’ll go over the auto insurance companies that tend to be cheaper in Arizona.
It’s important that you understand Tucson, AZ auto insurance rates are impacted by many factors which can substantially decrease or increase the cost of having a policy. Events such as a birthday, getting divorced, or having an accident can trigger changes in premium resulting in some companies being much higher than others.
Cheap Insurance Rates after a DUI
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford may offer some of the best car insurance rates in Tucson at around $820 per year. Auto-Owners, Safeco, Travelers, and USAA also are some of the most economical Tucson, AZ car insurance companies.
In this example, if you are insured with USAA and switched to Auto-Owners, you could earn an annual premium reduction of in the vicinity of $225. Drivers with GEICO could save as much as $254 a year, and Progressive customers might reduce prices by as much as $264 a year.
To find cheaper insurance rates for your vehicle, click here or quote prices from the following companies.
Remember that these estimates are averages across all drivers and vehicles in Arizona and do not take into consideration a specific location for drivers with a DUI. So the insurer that can offer you the best rate may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get rate quotes using your own driver data and vehicle information.
The vehicle model you are seeking coverage for is probably the largest consideration that determines if you can find the most economical insurance for drivers with a DUI. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer models. The information below features coverage rates for a number of the most affordable vehicles to buy insurance for.
|Vehicle||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,712|
|Hyundai Elantra GLS Touring Station Wagon||$1,717|
|Honda CR-V EX-L 2WD||$1,749|
|Dodge Grand Caravan CV||$1,918|
|Ford Escape XLT 2WD||$1,990|
|Chevrolet Malibu Hybrid||$2,030|
|Jeep Grand Cherokee Laredo 4WD||$2,038|
|Jeep Wrangler Sport 4WD 2-Dr||$2,045|
|Kia Optima LX||$2,169|
|Hyundai Sonata GLS 4-Dr Sedan||$2,179|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$2,179|
|Toyota Corolla XRS||$2,188|
|Ford F-150 Lariat Crew Cab Harley 2WD||$2,179|
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Price data assumes single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in vehicle location which can change premiums greatly.
Based upon the rates shown, you can presume that cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Dodge Grand Caravan, and Ford Escape are the less-costly vehicles to insure after getting a DUI. The price for an auto insurance policy will tend to be more expensive just due to the fact that there is more claim risk for drivers with a DUI, but overall those models will tend to have the lowest insurance rates compared to other types of vehicles.
One of the more important components that aid in calculating the price you pay for insurance is where you choose to live. Regions with more people or even just more weather-related claims tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The illustration below rates the most costly cities in Arizona for drivers with a DUI to purchase auto insurance in. Tucson shows up at #16 with an annual cost of $1,061 on average, which is around $88 monthly.
|Rank||City||Average Per Year|
|4||San Tan Valley||$1,150|
|25||Lake Havasu City||$852|
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Information shown are estimated as the vehicle garaging location can lower or raise premiums substantially.
Arizona auto insurance company ratings
Picking a good quality insurance provider can be difficult considering how many choices you have in Arizona. The ranking information shown below may help you select which auto insurers you want to consider when shopping your coverage around.
The ratings below are for major nationwide insurance companies, so smaller companies that only insure vehicles in Arizona will not be included in the list. If you would like to check rates from the most competitive companies in Arizona, simply click here.
Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
The diagram below highlights how deductible choice can affect insurance costs when searching for cheap insurance for drivers with a DUI. The rates are based on a married female driver, full coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could lower rates by $206 a year by switching from a $100 deductible up to a $500 deductible, or save $310 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, could drop their prices $508 every year just by choosing larger deductibles.
When raising deductibles, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Careless driving habits raise Tucson auto insurance rates
A great way to find good auto insurance rates after getting a DUI is to drive attentively and avoid traffic citations and accidents. The chart below demonstrates how citations and fender-benders influence insurance costs for different ages of insureds. The premiums assume a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of auto insurance in Tucson per year with a clean driving record and no accidents is $1,492. Get written up for two speeding tickets and the average cost rises to $2,061, an increase of $569 each year. Then add one accident along with the two speeding tickets and the annual cost of auto insurance for drivers with a DUI goes up to an average of $2,631. That’s an increase of $1,139, or $95 per month, just for not being a responsible driver!
Chances are good that you’re overpaying for Tucson car insurance
Arizona auto insurance rates are impacted by many factors that will increase or decrease the price you have to pay. Getting older, buying a different vehicle, or getting a DUI may prompt premium changes that can cause some rates to be more affordable than before. And not only may your rating factors change, but insurers change prices every year or even multiple times each year to adjust for unexpected claims or profits. Higher than normal claims may result in high rates, while long-term profits can cause lower-cost Tucson car insurance rates.
The graph below demonstrates which company has the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with no accidents or violations, and a good credit rating. If we estimate rates based on her current situation, The Hartford offers the best car insurance rates in Tucson at $1,039 each year. This is $389 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the cheapest Tucson, AZ auto insurance companies.
The example below compares rates after we give the driver from the above example a couple of claims, slightly worse credit, and a blemish on her driving record. Due to the fact that every auto insurer uses their own formula to set policy rates, analyzing rate quotes could now result in a different list of companies as shown below.
Ameriprise Group now has the best price on car insurance in Tucson, AZ with GEICO, CSAA, Allied, and Safeco also being competitive. This example demonstrates why consumers need to do a thorough rate comparison to find the most budget-friendly auto insurance rates for drivers with a DUI.
Rates are determined by many things and can change without notice, so the cheapest company two years ago may now be costing you a lot of money.