What Auto Insurance is Cheapest for a 20 Year Old Male in Tucson?

You have probably seen the captivating ads from auto insurance companies like The General and GEICO that claim the cheapest rates. So drivers just need to pick the one with the catchiest commercial, right?

It’s just not that simple, as there are a whole bunch of unknowns such as how old you are, if you own a home, your credit score, and whether or not your vehicle has good safety ratings, that all factor into the price you pay. We will touch on the best ways to avoid high prices and will hopefully give you a good start in finding the cheapest car insurance in Arizona.

The vehicle you are buying coverage for is a large factor when comparison shopping for the most economical coverage for 20 year old guys. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost substantially less to insure than adrenaline junky models.

The next table ranks car insurance costs for a number of the most cost-effective automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Vehicle Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 2WD $3,496
Honda CR-V LX 4WD $3,502
Hyundai Elantra GLS Touring Station Wagon $3,496
Volkswagen Jetta S 2.5 Station Wagon $3,807
Ford Edge SE 2WD $3,839
Toyota Prius $3,860
Dodge Grand Caravan SE $3,891
Jeep Wrangler Rubicon 4WD 2-Dr $3,898
Chevrolet Impala LS $4,098
Chevrolet Equinox LS AWD $4,150
Ford Fusion S 4-Dr Sedan $4,156
Toyota RAV4 Limited 4WD $4,150
GMC Sierra SLE Regular Cab 2WD $4,160
Toyota Tacoma Double Cab TRD Sport Package 4WD $4,203
Ford Explorer Limited 2WD $4,211
Chevrolet Malibu LT $4,203
Honda Civic EX 4-Dr Sedan $4,360
Toyota Corolla XLE $4,412
Honda Odyssey EX-L $4,421
Nissan Rogue SL 2WD $4,449
Kia Optima LX $4,458
Nissan Altima 3.5 SR 4-Dr Sedan $4,465
Jeep Grand Cherokee Limited 4WD $4,472
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific zip code location which can raise or lower premiums considerably.

Looking at the rates, you can assume that cars like the Ford Escape, Honda CR-V, and Hyundai Elantra are the most budget-friendly vehicles to insure for young men. Rates will be more expensive just due to the fact that there is more claim risk for 20 year old guys, but generally speaking those particular vehicles will probably have the least expensive rates compared to all other vehicles.

Deciding which company offers the best insurance rates for 20 year old guys may require a little more work than just getting one or two price quotes. Every insurance company has a proprietary method for establishing rates, so to begin we’ll rank the insurance companies that tend to be cheaper in Tucson.

Find Cheaper Car Insurance for Men Age 20

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Arizona auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $888
3 Safeco $905
4 Travelers $1,075
5 USAA $1,113
6 GEICO $1,142
7 Progressive $1,152
8 Ameriprise Group $1,172
9 CSAA $1,213
10 Allied $1,233
11 Farm Bureau Mutual $1,285
12 Unitrin $1,317
13 State Farm $1,323
14 Safe Auto $1,336
15 Farmers $1,337
16 Titan $1,433
17 American Family $1,463
18 Amica $1,473
19 MetLife $1,505
20 California Casualty $1,568
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The Hartford generally has some of the lowest car insurance rates in Tucson at around $845 a year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheaper Tucson, AZ auto insurance companies.

As shown in the table above, if you are a policyholder with Auto-Owners and switched to The Hartford, you may see annual savings of in the vicinity of $43. Policyholders with Safeco might save as much as $60 a year, and Travelers insureds might reduce prices by as much as $230 a year.

To compare your rates to other Arizona insurance companies, click here to get quotes or quote prices from the following companies.

Bear in mind that those premiums are averages for all ages of drivers and types of vehicles and do not factor in a specific zip code for 20 year old guys. So the auto insurance company that is most affordable for your situation may not even be in the list above. That illustrates why you need to get rate quotes from many companies using your own specific driver and vehicle information.

Ending up with the top auto insurance company can be difficult considering how many companies provide coverage in Arizona. The ranking information listed below may help you choose which auto insurers to look at comparing rate quotes with.

The rankings below are only comprised of the largest auto insurers in America, so smaller companies are not factored into the list. To compare rates from these and other companies in Arizona, follow this link.

Best 15 Insurance Companies for a 20 Year Old Male in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
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Data Source: Insure.com Best Car Insurance Companies

Safe drivers pay less for insurance

The recommended way to score affordable insurance rates in Tucson for young men is to be a safe driver and avoid accidents and traffic citations. The information below shows how speeding tickets and fender-benders can influence insurance premiums for different age groups. The rates are based on a single female driver, full coverage, $500 deductibles, and no discounts are factored in.

The chart shows that the average cost of car insurance in Arizona per year with no accidents or violations is $1,798. Add in one speeding ticket and the average cost hikes up to $2,039, an increase of $241 each year. Now throw in two accidents along with the one speeding ticket and the yearly cost of insurance for 20 year old guys goes up to an average of $4,220. That’s an increase of $2,422, or $202 per month, just for being a less-than-perfect driver!

Here’s why price comparisons are so important

Tucson insurance rates are calculated based on many things which can substantially decrease or increase the cost of a policy. Improving your credit score, buying a different vehicle, or getting a ticket for running a stop sign may generate price changes that can make some companies cheaper than competitors.

Also, insurance companies change rates every year or even multiple times each year to reflect underwriting profits or losses. An extended period of higher than normal claims may result in rate increases, while a better loss history can produce lower-priced Tucson car insurance rates.

To illustrate this point, the chart below compares the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no violations or accidents, and good financial standing. When comparing rates based on his personal risk profile, The Hartford quotes the lowest car insurance rates in Tucson at $1,062 annually. This is $366 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are the remaining cheapest Tucson, AZ auto insurance companies.

The chart below compares rates after we give the driver from the first example a claim, bad credit, and a traffic citation. Due to the fact that each insurance company has their own formula to set their prices, comparing rates could now result in a different set of affordable companies as shown below.

GEICO now has the best insurance rate in Tucson, AZ with CSAA, Allied, Ameriprise Group, and Auto-Owners now being in the top five. This shows why it is so important to take the time to shop around to get the cheapest insurance rates for 20 year old guys. Rates are impacted by many things and change dramatically, so the best company the last time you shopped around may now be quite expensive.

The agents below can probably answer your questions and help you decide which auto insurance policy fits you best, since lots of drivers aren’t clear which coverage they need and would like to have a professional recommendation when shopping for the best coverage for 20 year old guys. It can be challenging to do it yourself, so professional agents can bring satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim.

To locate a Tucson car insurance agency close to you, click the button at the bottom or click here to compare rates now.

American Family Insurance – Juan M. Salazar Jr
1100 E Ajo Way Ste 210Tucson, AZ 85713(520) 792-2100

Farmers Insurance: John Brown
9155 E Tanque Verde Rd #117Tucson, AZ 85749(520) 323-2500

DM Lovitt Insurance Agency
607 N 6th AveTucson, AZ 85705(520) 798-1888

View more Tucson, AZ insurance agents