What Car Insurance is Cheapest for 19 Year Olds in Tucson?

Finding reliable, budget insurance is not easy, and finding out which companies have the cheapest car insurance rates for 19 year olds will involve even more shopping around.

Each insurance company uses a slightly different approach for filing rates in each state, so let’s begin by examining the lowest cost car insurance companies in Arizona. We do need to point out that Tucson car insurance rates are impacted by many factors that can increase the price you pay. Getting older, having a claim, or getting a ticket for running a stop sign may cause policy rate changes resulting in some rates now being less affordable than competitors.

Best Insurance Companies for Teens

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The Hartford offers some of the most affordable car insurance rates in Tucson at around $820 per year. Auto-Owners, Safeco, Travelers, and Progressive are also some of the cheapest Tucson, AZ insurance companies.

In the above example, if you have coverage with Travelers and switched to The Hartford, you might achieve yearly savings of in the neighborhood of $288. Insureds with Progressive might save as much as $298 a year, and USAA policyholders might reduce prices by as much as $304 a year.

To get a fast rate comparison, click here to start your custom quote or click several companies below for low rates.

Remember that these premium estimates are averages for all drivers and vehicles in Arizona and and are not figured with a specific location for 19 year olds. So the company that has the lowest price for you may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.

The vehicle you are seeking coverage for is one of the largest considerations that determines whether or not you can buy affordable auto insurance for 19 year olds. Vehicles with high performance engines, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than more modest models. The next table estimates coverage rates for some of the most cost-effective vehicles to buy insurance for.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,449
Honda CR-V LX 2WD $4,454
Ford Escape XLS 4WD $4,449
Jeep Wrangler Sport 4WD 2-Dr $4,601
Hyundai Elantra SE Touring Station Wagon $4,813
Toyota Prius $4,870
Ford Explorer Eddie Bauer 2WD $4,965
Ford Focus SE 4-Dr Sedan $5,219
Toyota Tacoma 2WD $5,226
Ford Edge SE AWD $5,219
Toyota RAV4 Limited 4WD $5,274
Chevrolet Malibu LS $5,283
Dodge Grand Caravan Crew $5,331
Honda Civic LX-S 4-Dr Sedan $5,528
Honda Odyssey EX-L W/Navigation $5,583
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Table data assumes single male driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in your specific Tucson, AZ location which can affect premiums substantially.

By looking at the data, models like the Honda Accord, Honda CR-V, Ford Escape, Jeep Wrangler, and Hyundai Elantra are going to be the most economical vehicles to insure for teenage drivers. The cost of a car insurance policy will be more costly just because there is more risk for 19 year olds, but overall those models will tend to have the best rates that you are likely to find.

The chart below demonstrates how deductible levels can raise or lower yearly insurance costs when quoting cheap insurance for 19 year olds. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied.

As shown above, a 50-year-old driver could pocket $236 a year by switching from a $100 deductible to a $500 deductible, or save $358 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old example, can cut as much as $602 every year by using higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have plenty of savings on hand to enable you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Insuring your vehicle with the highest-rated insurance provider can be difficult considering how many companies there are in Tucson. The information shown next may help you select which auto insurance companies you want to consider comparing price quotes from.

These rankings include the largest companies in the United States, so companies without a large exposure are not taken into consideration for the list. To get rate quotes from the insurers below and more, follow this link.

Top 10 Major Auto Insurance Companies Overall in Tucson

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

Top 10 Major Auto Insurance Companies 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

Why you should be shopping around

Tucson car insurance rates are determined by lots of factors which can substantially change the price of coverage. Simply having a birthday, buying a new vehicle, or getting a DUI may prompt premium changes that can make some companies more affordable than others.

Not only that, but companies amend premium rates every year or even multiple times each year in order to offset underwriting gains or losses. Higher than normal claims can cause rate increases, while a better loss history can cause cheaper Tucson car insurance rates.

To illustrate this example, the chart below compares the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with no violations or accidents, and a good credit history. Based on her personal risk profile, The Hartford may offer the cheapest car insurance rates in Tucson at $1,095 annually. This is $333 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remainder of the best Tucson, AZ auto insurance companies.

Now we will pretend the driver from the first example an accident surcharge, bad credit, and an imperfect driving record. Since each auto insurer uses their own formula for establishing rates, comparing quotes may result in a slightly different list of affordable companies as shown below.

GEICO now has the best insurance rate in Tucson with CSAA, Ameriprise Group, Allied, and Auto-Owners completing the list. This illustrates why it is critical to take the time to shop around to find the most affordable auto insurance quotes for 19 year olds. Insurance prices are determined by many risk factors and can decrease or increase without notice, so the lowest-price company a year ago may now be quite expensive.

If you have coverage questions and would like to have a professional recommendation when shopping for the best coverage for 19 year olds, the agents below can help you make a decision which coverage meets your needs best. To locate a Tucson insurance agent using an interactive map, click the button below the list or click here to compare rates now.

Kevin Dale – State Farm Insurance Agent
5643 E Grant RdTucson, AZ 85712(520) 721-8184

Tucson Insurance Associates
51 W Wetmore Rd #101Tucson, AZ 85705(520) 396-4727

Merrie Connon – State Farm Insurance Agent
10222 E Rita Rd #110Tucson, AZ 85747(520) 574-3223

Paul Heiser – State Farm Insurance Agent
2654 N Campbell AveTucson, AZ 85719(520) 327-7884

Find a Tucson, AZ insurance agent near you

How to find economical car insurance for 19 year olds

It’s not impossible to find cheaper rates, and here are some of the recommended thrifty solutions that can help Tucson drivers find lower-cost auto insurance.

That last piece of advice is certainly crucial, as was stressed in this piece. Car insurance rates change a lot, so drivers shouldn’t be reluctant to buy from a new company if you can find a cheaper rate. Many consumers stick with the same company and that’s fine, but we do not recommend it if that loyalty ends up costing a small fortune. Now is a great time to shop around and find cheaper car insurance for 19 year olds in Tucson.