Who Has Cheap Auto Insurance for Business Use in Tucson?

The words “economical” and “auto insurance” really don’t belong together, in particular when you are searching for the cheapest coverage for business use. Because it’s not cheap, let’s learn about a few of the factors that have an impact on auto insurance rates, and find out if we can help you take the bite out of your next policy.

The type of vehicle requiring insurance is probably the largest consideration when comparing economical insurance for business use. Vehicles with high performance engines, poor passenger safety features, or high incidents of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below shows coverage rates for some of the cheaper automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape Limited 4WD $1,410
Toyota Prius $1,438
Honda CR-V LX 4WD $1,466
Jeep Grand Cherokee Laredo 4WD $1,536
Chevrolet Malibu LS $1,541
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,585
Honda Accord EX-L 4-Dr Sedan $1,587
Chevrolet Impala LTZ $1,618
Honda Civic DX 4-Dr Sedan $1,649
Dodge Grand Caravan CV $1,651
Volkswagen Jetta 2.0T Station Wagon $1,672
GMC Sierra SLE Regular Cab 2WD $1,682
Chevrolet Equinox LS 2WD $1,733
Toyota RAV4 2WD $1,740
Hyundai Elantra Blue 4-Dr Sedan $1,741
Dodge Ram 2500 Crew Cab ST 2WD $1,757
Ford Explorer Limited 2WD $1,772
Ford F-150 SVT Raptor Super Cab 4WD $1,778
Toyota Tacoma Double Cab 4WD $1,772
Ford F-350 Super Cab Cabela Turbo Diesel 2WD $1,790
Dodge Ram 3500 Mega Cab Laramie 2WD $1,797
Ford Edge Sport 2WD $1,813
Toyota Camry XLE $1,818
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Premium costs do not factor in specific Tucson, AZ garaging location which can decrease or increase price quotes significantly.

Based upon the table data, you can assume that cars like the Ford Escape, Toyota Prius, Honda CR-V, and Jeep Grand Cherokee are likely to be the less-costly vehicles to insure for using your car for business. Auto insurance rates will be more expensive just because there is more inherent risk for business use, but overall those particular models will most likely have the lowest insurance rates compared to all other vehicles.

For using your car for business, one of the big considerations that are used to help calculate insurance cost is your zip code in Tucson. Regions with larger populations or more claims likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.

The following table rates the most expensive cities in Arizona for business use to purchase car insurance in. Tucson shows up at #17 having an annual price of $1,072 for the average policyholder, which is about $89 each month.

How much is auto insurance in Tucson, AZ?
Rank City Premium Per Year
1 Phoenix $1,218
2 Glendale $1,178
3 Avondale $1,174
4 San Tan Valley $1,161
5 Gilbert $1,142
6 Tempe $1,140
7 Scottsdale $1,129
8 Mesa $1,125
9 Buckeye $1,122
10 Maricopa $1,118
11 Peoria $1,104
12 Goodyear $1,098
13 Surprise $1,090
14 Chandler $1,082
15 Casas Adobes $1,072
16 Catalina Foothills $1,072
17 Tucson $1,072
18 Oro Valley $1,062
19 Casa Grande $1,057
20 Yuma $992
21 Flagstaff $941
22 Prescott $914
23 Bullhead City $905
24 Sierra Vista $890
25 Lake Havasu City $844
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Price information shown is comparative as vehicle location can impact premiums considerably.

What is the best car insurance company in Tucson?

Ending up with the best car insurance provider can be a challenge considering how many companies there are to choose from in Tucson. The company information listed below can help you select which coverage providers to look at shopping your coverage with. These ratings are only made up of the companies with a significant amount of written premium nationwide, so companies that focus mainly on Arizona business will not be included in this list.

Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Major Car Insurance Companies in Tucson Ranked by Customer Service

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

Driving violations and accidents

The best way to maintain low car insurance rates for using your car for business is to drive safely and avoid traffic citations and accidents. The information below demonstrates how speeding tickets and at-fault fender-benders impact car insurance costs for each age group. The data is based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are taken into consideration.

The data in the chart shows the average cost of an auto insurance policy in Tucson per year with no violations or accidents is $2,000. Get written up for one speeding ticket and the average cost swells to $2,267, an increase of $268 each year. Now add one accident along with the one speeding ticket and the 12-month cost of car insurance for business use jumps again to an average of $3,025. That’s an increase of $1,025, or $85 per month, just for not driving safely!

If you have questions and prefer to have professional advice when trying to find lower insurance rates for using your car for business, the agents listed below can help you decide which coverages are best. To locate a Tucson car insurance agency close to where you live, click the button after the list or click here to compare price quotes.

View map of Tucson, AZ insurance agents

How to find budget-friendly car insurance for business use

The list below shows some money-saving solutions that can help drivers locate lower-cost coverage.

That last tip is remarkably important, as we pointed out in the prior information. Prices charged by companies in Tucson fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a more affordable price is available.

Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that loyalty results in overpaying thousands of dollars over the life of your policy. Now is a great time to compare rates and find cheaper insurance for business use.