How Much is Car Insurance for Police Officers in Tucson?

Finding dependable, low-cost car insurance is not the easiest thing to accomplish, and figuring out which company has the best auto insurance rates for police officers takes additional perseverance.

Each company has a proprietary formula for determining prices, so first let’s look at the rankings for the overall cheapest auto insurance companies in Tucson, AZ. We do need to point out that Tucson, AZ auto insurance rates are impacted by many factors which can significantly increase or decrease the price of coverage. Simply having a birthday, buying another vehicle, or getting a speeding ticket can produce rate changes resulting in some companies being more affordable than the competition.

Best Car Insurance Prices for Law Enforcement

Compare Rates Today

Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $836
2 Safeco $905
3 Auto-Owners $924
4 Travelers $1,086
5 USAA $1,113
6 GEICO $1,131
7 Progressive $1,164
8 Allied $1,197
9 Ameriprise Group $1,208
10 CSAA $1,225
11 Farm Bureau Mutual $1,247
12 Safe Auto $1,297
13 Unitrin $1,303
14 State Farm $1,323
15 Farmers $1,378
16 Titan $1,433
17 American Family $1,435
18 Amica $1,473
19 MetLife $1,521
20 California Casualty $1,552
Get Personalized Rates Go

The Hartford offers some of the lowest car insurance rates in Tucson at around $836 each year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are also some of the more affordable Tucson, AZ insurance companies.

As the rates illustrate above, if you are currently insured with Auto-Owners and switched to The Hartford, you could earn an annual premium reduction of in the vicinity of $88. Drivers with Travelers could save as much as $250 a year, and USAA customers might see rate reductions of $277 a year.

Bear in mind that those premiums are averaged for all insureds and vehicles and do not take into consideration an exact location for police officers. So the car insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That illustrates why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The make and model of vehicle requiring insurance is probably the most important factor when quoting cheap auto insurance for police officers. Vehicles with higher performance, poor safety features, or an increased likelihood of liability claims will cost much more to insure than safer, lower-performance models.

The data below showcases auto insurance prices for some of the most economical automobiles to insure in Arizona.

Cheapest Vehicles to Insure in Tucson, AZ
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,182
Honda CR-V EX-L 2WD $1,209
Toyota Prius $1,308
Hyundai Elantra GLS Touring Station Wagon $1,352
Ford F-150 XLT Super Cab 4WD $1,354
Honda Odyssey EX W/Rear Entertainment $1,372
Ford Escape XLT 4WD $1,382
Volkswagen Jetta LE 4-Dr Sedan $1,399
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,426
Ford Edge SE 2WD $1,488
Chevrolet Malibu LTZ $1,500
Dodge Grand Caravan SE $1,517
Ford Explorer XLT 2WD $1,522
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,525
Ford Focus SES 2-Dr Coupe $1,574
Chevrolet Silverado Crew Cab Hybrid 4WD $1,596
Toyota Camry Hybrid $1,601
Compare Rates Now Go

Price data assumes 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-vehicle, multi-policy, claim-free, and homeowner. Premium costs do not factor in specific garaging location which can increase or decrease coverage rates greatly.

Looking at the rates, you can see that models like the Honda Accord, Honda CR-V, and Toyota Prius are most likely going to be some of the more affordable vehicles to insure for law enforcement personnel.

Choosing a good quality car insurance provider can be difficult considering how many choices you have in Arizona. The company rank data below may help you choose which auto insurers you want to consider when insurance shopping for police officers. These ratings are for large insurance companies, so companies that focus mainly on Arizona business are not taken into consideration for this list.

Best 15 Auto Insurance Companies for Police Officers in Tucson
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
Compare Rates Now Go

Data Source: Best Car Insurance Companies

Get discount Tucson auto insurance rates

Cheaper Tucson, AZ auto insurance for law enforcement personnelAuto insurance companies that offer coverage for police officers may also offer special discounts that could reduce prices by as much as 30% if you meet specific criteria. The best auto insurance companies and a summarized list of policyholder discounts are outlined below.

The diagram below illustrates the comparison of car insurance costs with and without discounts. Data assumes a male driver, no violations or claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, claim-free, accident-free, vehicle safety, passive restraint, and multiple policy discounts applied. In this example, the average savings per year on auto insurance for police officers is 28% or $595.

The importance of shopping around

Arizona auto insurance rates are impacted by many things that can increase the cost of your policy. Getting older, getting divorced, or getting a reckless driving citation can cause premium changes that can cause some rates to be cheaper than competitors.

Not only may your situation change, but insurers file new Arizona car insurance rates as often as every quarter in order to be able to pay unexpected claims. Higher than usual claims can cause additional price hikes, while profitable underwriting may result in more affordable Tucson car insurance rates.

To help illustrate this point, the bar chart below shows the company with the cheapest car insurance in Tucson, AZ for a 40-year-old female driver with no accidents, a clean driving record, and a high credit rating. If we look at prices based on her personal risk profile, The Hartford offers the most affordable car insurance rates in Tucson at $1,001 annually. This is $427 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the most affordable Tucson, AZ auto insurance companies.

Now let’s give the driver from the above example a claim or two, a lower credit rating, and a blemish on her driving record. Because every insurance company has a different process for setting rates, comparing prices will most likely result in a significantly different list of companies as shown below.

GEICO now has the cheapest price in Tucson, AZ with Ameriprise Group, Allied, Auto-Owners, and CSAA also being competitive. This example illustrates why it is critical to compare lots of rates to get cheap insurance quotes for police officers.

Insurance prices are impacted by many different factors and can decrease or increase without notice, so the most economical option when you bought your policy may now be costing you a lot of money.

If you have coverage questions and would like to have professional advice when buying car insurance for law enforcement personnel, the agencies below are willing to provide answers to your questions and help you determine which is the best policy. To find a Tucson insurance agency near you, click the button link following the list or click here to compare price quotes now.

More insurance agents in Tucson, AZ

How to find budget-friendly auto insurance for police officers

The list below shows some penny-pinching ideas that can help you buy more affordable coverage.

The last tip in the list is very critical, as was stressed in the article above. Prices charged by auto insurers fluctuate constantly, so don’t be unwilling to buy from a different company if a cheaper price is available. Many drivers prefer to stick with one company, but it’s not a good idea if that stubbornness costs you a lot of money. Take a few minutes and compare rates to find cheaper car insurance for police officers in Tucson.