Finding cheaper coverage for a Chevrolet Traverse in Arizona is dependent upon many rating factors such as miles driven annually, the size of your vehicle, and driving citations. Drivers pay approximately $837 a year for Traverse insurance, but that cost is an estimate using a 40-year-old single female driver with full physical damage coverage and $500 deductibles.
It’s more than likely you are not 40 years old and maybe not even female, you might be married instead of single, and maybe you want higher deductibles. Just a minor difference in rating criteria or coverage limits can result in a big discrepancy in how much insurance for a Chevrolet Traverse costs.
Auto insurance is not the same for everyone, so the way we recommend to find the cheapest rates for your Chevrolet is to compare as many rates as possible.
Cheapest Chevrolet Traverse Insurance Rates
Your Chevrolet’s trim level will influence the cost of insurance, so the price to insure a Traverse LS 2WD will be $88 less than the insurance cost for the higher-end Traverse LTZ AWD version, as demonstrated by the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Traverse LS 2WD | $180 | $292 | $332 | $20 | $100 | $924 | $77 |
| Traverse LS AWD | $204 | $292 | $332 | $20 | $100 | $948 | $79 |
| Traverse LT 2WD | $204 | $292 | $332 | $20 | $100 | $948 | $79 |
| Traverse LT AWD | $204 | $356 | $332 | $20 | $100 | $1,012 | $84 |
| Traverse LTZ 2WD | $204 | $356 | $332 | $20 | $100 | $1,012 | $84 |
| Traverse LTZ AWD | $204 | $356 | $332 | $20 | $100 | $1,012 | $84 |
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in garaging location in Tucson which can change coverage prices significantly.
Selecting the best insurer can be a challenge considering how many companies sell insurance in Arizona. The rank data in the next section could help you decide which auto insurance companies you want to consider comparing rates from. These ratings are only made up of large, nationwide insurance companies, so companies that only write business in Arizona or surrounding areas will not be included in these 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 |
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Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can impact insurance rates when researching cheap insurance for a Chevrolet Traverse. The data assumes a married female driver, full physical damage coverage, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could cut expenses by $248 a year by changing from a $100 deductible up to a $500 deductible, or save $376 by choosing a $1,000 deductible. Even younger insureds, like the 20-year-old, could drop their prices $530 each year by selecting a higher deductible.
If you do make the decision to raise your deductibles, it is necessary to have additional savings on hand to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
Liability only or full coverage
Buying cheaper insurance should be important to the majority of people, and an effective way to buy cheaper insurance for a Chevrolet Traverse is to only pay for liability coverage. The chart below compares premium costs when comparing full coverage to liability only. Data assumes no violations or accidents, $500 deductibles, single status, and no discounts are applied to the premium.
As an average for all age groups, comprehensive and collision coverage on your policy costs $1,581 per year over liability only. Many drivers will wonder if paying for full coverage is worth it. There isn’t a steadfast formula to delete physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
There are some situations where eliminating full coverage is not a good plan. If you haven’t paid off your loan, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should keep full coverage.
How to find low-cost auto insurance for a Chevrolet Traverse
It’s not impossible to find cheaper rates, and here are a few penny-pinching ideas that can help Tucson drivers quote more affordable car insurance.
- Increase your policy deductibles
- Try to not file small claims
- Having at-fault accidents will increase rates
- Assess whether full coverage is needed
- Drive safely
- Compare quotes from other companies often
The last idea is remarkably crucial, as was noted in this article. Coverage prices in Tucson can change considerably based on profitability, so drivers shouldn’t hesitate to switch companies if a better deal can be had. Loyalty to a specific company is fine, but it isn’t a good idea if that faithfulness ends up costing you hundreds every year. In just a few minutes you could compare rates to find cheaper insurance for a Chevrolet Traverse.
The agencies below can answer your questions and help you decide which insurance coverage you need, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when trying to find the best insurance rates for a Chevrolet Traverse. It can be time-consuming to find the cheapest car insurance policy, and getting professional guidance from a licensed agent can provide comfort knowing your coverage gives you enough coverage if you have a claim.
To locate an agency using an interactive map, click the button following the list.
- Kevin Dale – State Farm Insurance Agent
5643 E Grant Rd – Tucson, AZ 85712 – (520) 721-8184 - Allstate Insurance: Edmund Marquez
4420 E Speedway Blvd Ste 102 – Tucson, AZ 85712 – (520) 323-9333 - Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079