How Much is Car Insurance for 18 Year Olds in Tucson?

You have probably watched the ads from insurers like Liberty Mutual and Farmers that guarantee enormous savings. So you just need to choose the one with the best commercial, right?

Regrettably, it’s not quite that easy, as there are many unknowns like your age, if you own or rent your home, the amount of liability coverage you want, and if you have maintained coverage continuously, that all factor into the price you pay. Car insurance is kind of a dry topic, but this article will explain the best ways to avoid paying too much and will hopefully give the reader a jump start in finding the best auto insurance.

Finding reliable, affordable car insurance is challenging, and determining which companies quote the cheapest insurance rates for 18 year olds takes even more rate comparisons. Each company uses their own calculation for determining prices, so we’ll go over the insurance companies with the most affordable rates in Tucson.

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Rankings for the cheapest Arizona auto insurance companies
Rank Company Cost Per Year
1 The Hartford $820
2 Auto-Owners $888
3 Safeco $905
4 Travelers $1,075
5 USAA $1,113
6 GEICO $1,142
7 Progressive $1,164
8 CSAA $1,177
9 Ameriprise Group $1,184
10 Allied $1,209
11 Farm Bureau Mutual $1,285
12 Unitrin $1,317
13 Safe Auto $1,336
14 State Farm $1,364
15 Farmers $1,378
16 Titan $1,433
17 American Family $1,435
18 Amica $1,473
19 California Casualty $1,506
20 MetLife $1,567
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The Hartford generally has some of the lowest car insurance rates in Tucson at around $820 per year. This is $608 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the more affordable Tucson, AZ car insurance companies.

In the rate table above, if you are insured with Travelers and switched to The Hartford, you may realize an annual savings of in the neighborhood of $255. Arizona drivers with USAA may save as much as $293 a year, and GEICO policyholders might reduce prices by as much as $322 a year.

It’s important to note that these premiums are averages for all types of drivers and the different vehicles they drive and and are not calculated with a specific location for 18 year olds. So the insurer that fits your needs best may not even be in the top 28 companies shown above. That is why you need to get car insurance quotes using your own specific driver and vehicle information.

The vehicle that needs insurance is one of the biggest factors when shopping for affordable coverage for 18 year olds. Vehicles with limited top-end speed, excellent safety ratings, or low incidents of liability claims will cost substantially less to insure than fast, unsafe models. The information below estimates car insurance premiums for a handful of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $3,915
Ford Escape XLS 2WD $3,925
Honda CR-V EX 2WD $3,915
Volkswagen Jetta S 2.5 Station Wagon $4,226
Toyota Prius $4,268
Ford F-150 XLT Super Cab 2WD $4,385
Dodge Grand Caravan CV $4,390
Ford Focus SE 4-Dr Sedan $4,606
Honda Odyssey EX W/Rear Entertainment $4,612
GMC Sierra SLE Regular Cab 2WD $4,651
Toyota RAV4 4WD $4,656
Chevrolet Malibu LS $4,651
Jeep Grand Cherokee Laredo 4WD $4,658
Chevrolet Impala LT $4,651
Toyota Tacoma Double Cab TRD Sport Package 4WD $4,693
Ford Explorer Eddie Bauer AWD $4,703
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $4,830
Hyundai Elantra Blue 4-Dr Sedan $4,869
Toyota Camry XLE $4,914
Toyota Corolla S $4,919
Ford Edge Sport AWD $4,914
Chevrolet Equinox LTZ AWD $4,956
Ford Fusion SEL 4-Dr Sedan $4,964
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Data rating is based on single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium costs do not factor in specific location which can affect rates considerably.

Based upon these rates, cars like the Honda Accord, Ford Escape, and Honda CR-V will be a few of the most economical vehicles to insure for teen drivers. Prices will be more costly just because there is more claim exposure for 18 year olds, but generally speaking those models will have the lowest prices compared to other types of vehicles.

Best insurance company in Arizona

Finding the highest-rated company can be difficult considering how many choices you have in Tucson. The company rank data displayed below may help you decide which providers you want to consider when looking for cheaper rates. The rankings below are only comprised of the largest auto insurers in America, so companies with more of a regional focus are not included in the list.

Tucson, AZ Insurance Company Rankings
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
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Best Car Insurance Companies

Bad driving habits will cost you more

The recommended way to get cheap insurance prices in Tucson for teen drivers is to be a careful driver and avoid accidents and traffic citations. The illustration below highlights how speeding tickets and accident claims increase auto insurance costs for different insured age categories. Data assumes a single female driver, full physical damage coverage, $500 deductibles, and no additional discounts are factored in.

In the prior example, the average cost of a car insurance policy per year with no accidents or violations is $1,798. Add in two speeding tickets and the average cost rises to $2,404, an increase of $606 each year. Now add in one accident along with the two speeding tickets and the annual cost of insurance for 18 year olds increases to an average of $3,026. That’s an increase of $1,228, or $102 per month, just for not driving responsibly!

Can you find cheaper Tucson car insurance?

Arizona insurance rates are based on many factors that will increase or decrease your annual premium. Simply improving your credit, buying higher coverage limits, or getting a speeding ticket can trigger price changes resulting in some companies being more affordable than the competition.

Not only may your risk profile change, but insurance companies change prices multiple times each year to adjust for unexpected claims or profits. A period of higher than normal claims can result in additional premium costs, while a lower level of claims may cause cheaper Tucson car insurance rates.

For example, the graph below compares the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with a good driving record, no prior claims, and great credit. When quoting prices based on her current rating profile, The Hartford offers the lowest car insurance rates in Tucson at $1,018 annually. This is $410 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also on the list of the top five cheapest Tucson, AZ auto insurance companies.

In this example, we will give the driver in the first example a chargeable accident, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider has a different process for setting prices, comparing quotes most likely will result in a substantially altered list of the cheapest Tucson car insurance companies as shown below.

Progressive now has the lowest car insurance rate in Tucson, AZ with CSAA, Allied, Ameriprise Group, and Auto-Owners also being competitive. This example demonstrates why Arizona drivers need to take the time to shop around to get the lowest car insurance quotes for 18 year olds.

Auto insurance prices consist of many risk factors and can decrease or increase without notice, so the cheapest rate the last time you shopped around may now be quite expensive.

How to find the cheapest auto insurance for 18 year olds

Lowering your rates is not difficult, and here are some of the recommended thrifty suggestions that can help Tucson drivers quote more affordable car insurance.

The last item on the list is especially vital, as was stressed in this article. Car insurance prices in Tucson fluctuate constantly, so don’t be tentative to buy a different policy if a lower price can be found.

Staying with the same car insurance company is fine, but it’s not a good idea if that stubbornness costs you big bucks every year. It takes less than five minutes to compare prices and find cheaper insurance for 18 year olds.

The Tucson car insurance agencies listed below can probably help you determine which insurance coverage will be best for you, since some people prefer to have the advice of a professional agent when buying car insurance for 18 year olds. It can be complicated to find the cheapest auto insurance company, and a professional agent can give peace of mind knowing your policy gives you sufficient coverage at claim time.

To find a Tucson insurance agent nearest to you, click the button at the bottom.

RightSure Insurance Group
5151 E Broadway Blvd #120Tucson, AZ 85711(520) 901-7010

Rick McGee – State Farm Insurance Agent
7630 N la Cholla BlvdTucson, AZ 85741(520) 529-4676

The Insurance House
2725 E Broadway BlvdTucson, AZ 85716(520) 795-7737

3430 N 1st Ave #2Tucson, AZ 85719(520) 887-4700

Julie Burnett – State Farm Insurance Agent
6590 E Tanque Verde Rd BTucson, AZ 85715(520) 885-2321

More Tucson, AZ insurance agents