How Much is Auto Insurance for Welfare Recipients in Tucson?

The vehicle model that is being insured is probably the biggest factor when consumers are trying to find economical insurance for welfare recipients. Vehicles with lots of horsepower, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.

The data below outlines coverage premiums for a selection of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $1,203
Ford Escape Limited 2WD $1,230
Chevrolet Impala LS $1,395
Ford Focus S 4-Dr Sedan $1,404
Ford Edge SEL AWD $1,395
Volkswagen Jetta LE 4-Dr Sedan $1,422
Chevrolet Equinox LT AWD $1,432
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,447
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,450
Ford F-150 SVT Raptor Super Cab 4WD $1,457
Hyundai Elantra Blue 4-Dr Sedan $1,469
Honda Odyssey EX-L W/Rear Entertainment $1,497
Honda Civic EX-L 4-Dr Sedan $1,572
Honda Accord EX 2-Dr Coupe $1,604
Ford F-250 XLT 2WD $1,631
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in vehicle location which can impact price quotes significantly.

Looking at the data, you can infer that makes and models like the Honda CR-V, Ford Escape, Chevrolet Impala, and Ford Focus are likely to be a few of the most affordable vehicles to insure for drivers on welfare.

Deciding which companies quote the most affordable auto insurance rates for welfare recipients may require more time in order to find the best price.

Every insurance company uses their own calculation to set their prices, so we need to take a look at the auto insurance companies with the overall best prices in Tucson, AZ. It’s important to understand that Tucson auto insurance rates are impacted by many factors that control the price you pay for coverage. Turning one year older, filing a claim, or getting a ticket for running a stop sign may cause policy rate changes resulting in some companies being affordable when they were higher priced.

Best Insurance Companies in Arizona

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Cheapest Arizona car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $897
3 Safeco $932
4 USAA $1,080
5 Travelers $1,086
6 Progressive $1,130
7 GEICO $1,142
8 Ameriprise Group $1,172
9 CSAA $1,189
10 Allied $1,233
11 Farm Bureau Mutual $1,247
12 Safe Auto $1,284
13 Unitrin $1,317
14 State Farm $1,323
15 Farmers $1,378
16 Titan $1,418
17 American Family $1,435
18 Amica $1,487
19 MetLife $1,505
20 Safeway $1,554
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The Hartford offers some of the lowest car insurance rates in Tucson at around $845 a year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheaper Tucson, AZ car insurance companies.

As depicted above, if you currently have a policy with Travelers and switched to Auto-Owners, you may realize a yearly price reduction of approximately $189. Arizona drivers with Progressive may save as much as $233 a year, and GEICO insureds might lower prices by up to $245 a year.

To find out how much you can save, click here or visit several of the following companies.

These premium estimates are averages across all types of insureds and vehicles and are not factoring in an exact zip code location for welfare recipients. So the car insurance company that is best for you may not even be in the top 28 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver data and vehicle information.

Buying coverage from the best company can be rather challenging considering how many different companies sell coverage in Arizona. The information in the lists below could help you choose which car insurance providers to look at buying from. These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for the list.

Top 10 Major Auto Insurance Providers in Tucson Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. Titan Insurance
  5. The General
  6. Mercury Insurance
  7. AAA Insurance
  8. State Farm
  9. Nationwide
  10. Safeco

The diagram below shows how different deductible levels can affect yearly insurance costs when searching for cheap insurance for welfare recipients. The data assumes a married female driver, comp and collision included, and no discounts are applied.

In the chart above, a 30-year-old driver could save $330 a year by switching from a $100 deductible up to a $500 deductible, or save $500 by choosing a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could drop their prices up to $708 each year by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it will be necessary to have plenty of discretionary funds to enable you to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.

Why are you paying too much for car insurance?

Arizona auto insurance rates are based on many factors that can increase the price you pay. Improving your credit rating, moving to a different location, or getting caught speeding can produce rate changes resulting in some companies being cheaper than others.

Additionally, companies file new rates as often as every quarter in order to be able to pay unexpected claims. Heavy losses can cause more expensive prices, while profitable underwriting can cause more affordable Tucson car insurance rates.

To illustrate this point, the bar chart below shows which companies have the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with a clean driving record, no accidents, and a good credit history. If we compare prices based on her current situation, The Hartford may offer the cheapest car insurance rates in Tucson at $1,021 each year. This is $407 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are the remainder of the cheapest Tucson, AZ auto insurance companies.

The next chart shows rates after we give the driver in the first chart a chargeable accident, slightly worse credit, and a few traffic violations. Since each insurance company uses their own calculation for setting rates, comparing insurance quotes could now result in a slightly different list of cheap Tucson auto insurance companies as shown below.

GEICO now has the best auto insurance rate in Tucson, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual also being competitive. This example proves why it is important to do a thorough rate comparison to find the most affordable insurance quotes for welfare recipients.

Car insurance prices are impacted by many different factors and can change without notice, so the most economical option when you bought your policy may now not even be in the top five.

The agencies below can aid you in deciding which is the best policy, as some drivers wish to get some help when buying car insurance for welfare recipients. It can be challenging to find the best rates on your own, and using a licensed agent can give you comfort knowing your policy gives you adequate protection in case of an accident or claim.

To locate a Tucson auto insurance agent close to where you live, click the button following the list or click here to compare price quotes.

More insurance agents in Tucson, AZ

Ideas for finding budget-friendly auto insurance for welfare recipients

Here are some of the recommended thrifty suggestions that can help Tucson drivers buy cheap auto insurance.

The last tip is certainly critical, as was emphasized in this write-up. Prices charged by car insurance companies fluctuate constantly, so don’t be hesitant to buy from a different company if a better rate can be found.

Sticking with a specific company is fine, but it’s not a great idea if that loyalty ends up costing a small fortune. It takes less than five minutes to shop around to find cheaper auto insurance for welfare recipients in Tucson.