The words “bargain” and “insurance” probably shouldn’t be used in the same sentence, specifically when you are looking for the best insurance rates for teenagers. In an attempt to save some money, let’s introduce you to a few of the things that can significantly affect auto insurance rates, and find a few ways to reduce the price of your next policy.
One of the many factors that help determine the amount you pay for auto insurance is your address in Tucson. Cities with larger populations tend to pay slightly more, whereas more rural areas have the luxury of lower rates.
The information below ranks the most expensive places in Arizona for teenagers to buy car insurance in. Tucson ranks #14 costing $1,094 for coverage, which is approximately $91 each month.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,185|
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Rate quotes are approximated as the specific Tucson residence address can impact insurance rates noticeably.
The vehicle model on the policy is one of the largest factors that determines whether or not you can buy affordable car insurance for teenagers. Vehicles with lower acceleration and performance, modern passenger safety features, or a positive history of liability claims will cost much less to insure than high performance models. The data below outlines insurance prices for the most cost-effective automobiles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$4,264|
|Honda CR-V EX 4WD||$4,305|
|Ford F-150 XL Crew Cab 4WD||$4,829|
|Volkswagen Jetta SE 2.5 Station Wagon||$4,885|
|Toyota RAV4 2WD||$5,059|
|Chevrolet Impala LT||$5,068|
|Toyota Tacoma Double Cab 4WD||$5,100|
|Ford Explorer Eddie Bauer AWD||$5,108|
|Dodge Grand Caravan SXT||$5,100|
|Ford Focus SES 4-Dr Sedan||$5,285|
|Honda Odyssey EX-L||$5,327|
|Ford Edge Limited AWD||$5,334|
|Hyundai Elantra GLS 4-Dr Sedan||$5,327|
|Toyota Camry SE||$5,336|
|Jeep Grand Cherokee Limited 2WD||$5,368|
|Chevrolet Malibu LTZ||$5,376|
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Price data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in specific location which can modify prices considerably.
Looking at the rates, you can figure that models like the Ford Escape, Honda CR-V, Toyota Prius, and Ford F-150 are likely to be some of the most budget-friendly vehicles to insure for teen drivers. Rates will tend to be more expensive anyway just because there is more liability exposure for teenagers, but generally speaking those vehicles will most likely have the best insurance prices compared to other vehicles.
Buying reasonably-priced auto insurance is challenging, and determining which company has the cheapest auto insurance rates for teenagers takes more quotes for comparison. Every insurance company uses different criteria to determine premium rates, so let’s begin by examining the most budget-friendly auto insurance companies in Tucson.
It’s important to understand that Tucson, AZ auto insurance rates are calculated based on many things which can significantly increase or decrease the price you have to pay. That is why consumers need to compare rates to find the cheapest insurance rates for teenagers. Rates are impacted by many things and can change without notice, so the cheapest rate the last time you compared rates may now not even be in the top five.
Best Car Insurance Prices for Teens
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,297|
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The Hartford normally has some of the cheapest car insurance rates in Tucson at around $836 a year. Auto-Owners, Safeco, Travelers, and USAA are also some of the best Tucson, AZ insurance companies.
As the example above demonstrates, if you buy coverage from Auto-Owners and switched to The Hartford, you may see a yearly price reduction of approximately $52. Drivers with Safeco may save as much as $87 a year, and Travelers policyholders might lower prices by $239 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
Bear in mind that those policy rates are averages across all ages of drivers and types of vehicles and and are not figured with a specific location for teenagers. So the car insurance company that has the cheapest rates for you may not even be in the top 28 companies in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Which auto insurance company is best in Arizona?
Selecting the right insurer can be a challenge considering how many choices drivers have in Arizona. The ranking data in the lists below could help you decide which auto insurers you want to consider when shopping insurance around for teenagers.
The rankings below include the largest auto insurers in America, so companies with more of a regional focus will not be included in these rankings. To compare prices from these and other top-rated companies, simply click here.
Top 10 Large Auto Insurers Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Large Auto Insurers in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Rate increases following a ticket or accident
The recommended way to get affordable auto insurance premiums in Arizona for teen drivers is to be a careful driver and avoid accidents and traffic violations. The information below highlights how traffic violations and accident claims increase annual premium costs for different age categories. The data is based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.
The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $1,472. Get one speeding ticket and the average cost jumps to $1,688, an increase of $215 each year. Now add one accident along with the one speeding ticket and the 12-month cost of auto insurance for teenagers jumps again to an average of $2,298. That’s an increase of $826, or $69 per month, just for not driving responsibly!
A good deal can quickly turn bad
Tucson, AZ auto insurance rates are calculated based on many things that will increase or decrease the cost of a policy. Simply having another birthday, filing a claim, or getting a DUI may generate price changes resulting in some companies being affordable when they were higher priced.
Not only that, but car insurance companies amend premium rates as needed in order to protect their financial rating. Heavy losses can cause higher priced premiums, while a better claims history may produce cheaper Tucson car insurance rates.
The data below compares the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no violations or accidents, and a good credit rating. If we look at prices based on his current risk factors, The Hartford has the cheapest car insurance rates in Tucson at $990 annually. This is $438 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers round out the rest of the cheapest Tucson, AZ auto insurance companies.
In this example, we will give the driver from the first rate comparison an accident claim, bad credit, and a blemish on his driving record. Since every car insurance company has their own unique process to determine rates, analyzing rates may now present a significantly different list of affordable Tucson car insurance companies as shown below.
Ameriprise Group now has the lowest price in Tucson with CSAA, GEICO, Safeco, and Allied also having competitive pricing. This demonstrates why it is critical to do a thorough rate comparison when trying to get affordable insurance quotes for teenagers. Rates are impacted by many factors and can change without notice, so the cheapest company six months ago may now be quite expensive.