The words “economical” and “insurance” probably shouldn’t be used together, specifically when you are looking for the cheapest coverage with multiple speeding tickets. Let’s introduce you to a few of the things the can have a considerable influence on insurance rates, and figure out some ways to reduce the price of the next policy you buy.
The make and model of vehicle you are seeking coverage for is probably the biggest factor when shopping around for cheap insurance with multiple speeding tickets. Vehicles with lots of speed or power, a lack of advanced safety features, or a history of substantial liability claims will cost quite a bit more to insure than more modest models. The table below outlines coverage costs for the cheaper vehicles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,791 |
| Honda CR-V EX 4WD | $1,832 |
| Toyota Prius | $1,987 |
| Ford Escape Limited 2WD | $2,020 |
| Ford Focus SE 4-Dr Sedan | $2,078 |
| Ford Edge SE AWD | $2,084 |
| Honda Odyssey EX W/Rear Entertainment | $2,078 |
| Chevrolet Equinox LS 2WD | $2,119 |
| Chevrolet Malibu LT | $2,159 |
| Honda Civic LX-S 4-Dr Sedan | $2,195 |
| Ford F-150 XLT Regular Cab 4WD | $2,213 |
| Toyota Corolla S | $2,235 |
| Jeep Grand Cherokee SRT-8 4WD | $2,276 |
| Volkswagen Jetta SE 2.5 Station Wagon | $2,319 |
| Dodge Grand Caravan CV | $2,327 |
| Toyota RAV4 Limited 2WD | $2,340 |
| Chevrolet Impala LT | $2,347 |
| Ford F-350 XL Crew Cab Turbo Diesel 2WD | $2,357 |
| Toyota Tacoma Double Cab 4WD | $2,385 |
| Ford Explorer Eddie Bauer 4WD | $2,395 |
| Toyota Camry Hybrid | $2,429 |
| Kia Optima EX | $2,438 |
| Nissan Altima 2.5 S 2-Dr Coupe | $2,429 |
| Find Cheaper Rates Go | |
Data variables include single female driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in vehicle location which can change prices greatly.
Looking at the numbers, we can presume that vehicles like the Hyundai Elantra, Honda CR-V, Toyota Prius, and Ford Escape are most likely going to be the most economical vehicles to insure after a few driving violations.
Comparing quotes for cost effective car insurance is not the easiest thing to do, and figuring out which companies offer the best auto insurance rates with multiple speeding tickets will involve a bit more work. Every insurance company has their own formula for determining rates, so let’s begin by examining the auto insurance companies with the overall cheapest rates in Tucson, AZ.
Keep in mind that Tucson auto insurance rates are impacted by many things which can substantially change the policy price. Simply turning a year older, having a teenage driver, or getting caught speeding can trigger price changes that can cause some rates to be affordable when they were higher priced.
Find Cheaper Car Insurance with License Points
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,225 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | State Farm | $1,364 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,420 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | Safeway | $1,554 |
| Find Cheaper Rates Go | ||
The Hartford may offer some of the best car insurance rates in Tucson at around $811 annually. Safeco, Auto-Owners, USAA, and Travelers also make the cut as some of the best Tucson, AZ car insurance companies.
In the above example, if you have coverage with Auto-Owners and switched to The Hartford, you may realize a yearly savings of approximately $113. Customers with USAA may save as much as $269 a year, and Travelers insureds might reduce prices by as much as $308 a year.
To find cheaper insurance rates for your vehicle, click here to get quotes or visit several of the following companies.
Understand that those policy rates are averaged for all insureds and vehicles and do not take into consideration an exact zip code location with multiple speeding tickets. So the auto insurance company that has the lowest price for you may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own driver information and specific vehicle type.
After a few driving violations, one of the largest factors that aid in calculating the cost of insurance is where you keep your car. Cities with larger populations tend to have more expensive car insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The following table lists the priciest cities in Arizona with multiple speeding tickets to purchase auto insurance in. Tucson shows up at #16 with an annual cost of $1,061 for the average insurance policy, which is around $88 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Avondale | $1,222 |
| 2 | Phoenix | $1,218 |
| 3 | Glendale | $1,190 |
| 4 | Mesa | $1,159 |
| 5 | San Tan Valley | $1,150 |
| 6 | Goodyear | $1,131 |
| 7 | Buckeye | $1,122 |
| 8 | Tempe | $1,118 |
| 9 | Scottsdale | $1,117 |
| 10 | Chandler | $1,115 |
| 11 | Gilbert | $1,108 |
| 12 | Peoria | $1,093 |
| 13 | Casa Grande | $1,089 |
| 14 | Maricopa | $1,074 |
| 15 | Casas Adobes | $1,072 |
| 16 | Tucson | $1,061 |
| 17 | Surprise | $1,048 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $852 |
| Compare Rates Now Go | ||
Information shown are comparative as the specific zip code location can affect prices considerably.
Comparison of full coverage and liability-only policies
Reducing premiums for auto insurance is the goal of most people, and one easy way to buy cheaper insurance with multiple speeding tickets is to not buy full coverage. The information below visualizes the comparison of auto insurance costs with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $100 deductibles, single marital status, and no policy discounts are applied.
If we average the cost for all age groups, physical damage coverage costs $2,305 per year more than just buying liability insurance. Many people question if paying for full coverage is a waste of money. There is no exact rule to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the settlement you would receive from your company, then you may want to consider only buying liability coverage.
Choosing a highly-rated car insurance provider can be difficult considering how many different companies insure vehicles in Arizona. The company rank data listed below can help you decide which car insurance providers you want to consider when shopping your coverage around.
The ratings below are for large insurance companies, so companies that focus mainly on Arizona business are not included in the list. To compare prices from the insurers below and more, just click here.
Top 10 Major Auto Insurance Companies 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%
Top 10 Major Auto Insurance Companies in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Rate increases following a ticket or accident
The common sense way to receive the cheapest auto insurance rates in Arizona after a few driving violations is to be a cautious driver and avoid tickets and accidents. The diagram below illustrates how violations and at-fault accidents impact premium costs for each age group. The premium estimates are based on a single male driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.
In the example above, the average cost of auto insurance per year with no accidents or violations is $1,722. Get two speeding tickets and the average cost increases to $2,283, an increase of $562 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of auto insurance with multiple speeding tickets goes up to an average of $4,276. That’s an increase of $2,555, or $213 per month, just for not keeping your driving record clean!