The type of vehicle driven is probably the biggest factor when comparing quotes for the most affordable car insurance for electric cars. Vehicles with lots of horsepower, poor safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more modest models. The next table showcases insurance costs for a handful of the cheaper vehicles to insure in Arizona.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda Accord EX 4-Dr Sedan||$1,429|
|Hyundai Elantra GLS Touring Station Wagon||$1,434|
|Toyota Camry LE||$1,475|
|Dodge Grand Caravan SXT||$1,503|
|Ford F-150 Lariat Crew Cab 4WD||$1,510|
|Ford Focus SES 4-Dr Sedan||$1,523|
|Honda CR-V EX 2WD||$1,528|
|Ford Escape XLS 4WD||$1,535|
|Chevrolet Silverado LS Crew Cab 4WD||$1,579|
|Nissan Rogue S AWD||$1,591|
|Ford Explorer Eddie Bauer 2WD||$1,599|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,604|
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Table data does not factor in garaging location in Tucson, AZ which can affect coverage prices greatly.
Looking at the data, we can assume that models like the Honda Accord, Hyundai Elantra, and Toyota Camry are most likely going to be the cheaper vehicles to insure for eco-friendly vehicles.
Finding out which company offers the lowest-priced insurance rates for electric cars will require more time in order to find the lowest price. Each auto insurance company uses a slightly different approach to set their prices, so let’s take a look at the insurance companies with the overall best prices in Tucson.
Find Cheaper Auto Insurance for EV’s
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford normally has some of the most affordable car insurance rates in Tucson at around $845 each year. Auto-Owners, Safeco, USAA, and Travelers also make the cut as some of the most economical Tucson, AZ insurance companies.
As the rates illustrate above, if you currently buy coverage from Safeco and switched to The Hartford, you could earn a yearly price reduction of roughly $60. Customers with USAA could save as much as $235 a year, and Travelers policyholders might lower prices by $274 a year.
It’s important to note that these estimates are averages across all ages of drivers and types of vehicles and and are not figured with a vehicle location for electric cars. So the auto insurance company that is best suited for you may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
For eco-friendly vehicles, one of the largest factors that are used to help calculate auto insurance rates is where you keep your vehicle. Regions with more people or even just more weather-related claims tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of cheap car insurance rates.
The information below shows the most expensive areas in Arizona for electric cars in which to purchase auto insurance. Tucson is ranked at #11 with the annual price of $1,094 for the average policyholder, which is approximately $91 monthly.
|Rank||City||Premium Per Year|
|4||San Tan Valley||$1,161|
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Rate information is comparative as the specific garaging location can alter premium rates significantly.
Ratings for Tucson insurance companies
Insuring your vehicle with the best car insurance provider can be rather challenging considering how many choices there are in Tucson. The ranking information in the lists below can help you choose which insurers to look at when comparing insurance rates for electric cars.
These ratings only include companies with a nationwide focus, so smaller companies are not included in the list. To get rate quotes from these and other competitive companies, just click here.
Top 10 Major Auto Insurers in Tucson Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Auto Insurers in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The illustration below illustrates how choosing a deductible can affect insurance rates when researching cheap insurance for electric cars. The premiums assume a married female driver, comp and collision included, and no additional discounts are factored in.
In the chart above, a 30-year-old driver could lower their policy premium by $322 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $484 by selecting a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save up to $684 or more by choosing a larger deductible amount.
When using a larger deductible, it will be necessary to have additional savings on hand to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Get discounts on Tucson insurance
Insurance companies that provide coverage for electric cars may also give you price discounts that can reduce rates by 30% or more if you meet eligibility requirements. Companies and some of their more popular discounts are outlined below.
- Progressive policyholders can earn discounts including online quote discount, online signing, good student, multi-vehicle, and continuous coverage.
- Farmers Insurance offers premium reductions for homeowner, electronic funds transfer, teen driver, alternative fuel, multi-car, and switch companies.
- Farm Bureau offers discounts including renewal discount, multi-policy, 55 and retired, good student, and multi-vehicle.
- State Farm includes discounts for multiple autos, passive restraint, good student, good driver, defensive driving training, and Steer Clear safe driver discount.
- GEICO has savings for seat belt use, anti-lock brakes, military active duty, defensive driver, daytime running lights, membership and employees, and emergency military deployment.
- SAFECO may include discounts for bundle discounts, safe driver, teen safety rewards, teen safe driver, anti-lock brakes, drive less, and anti-theft.
- Liberty Mutual may offer discounts for new vehicle discount, hybrid vehicle, multi-car, newly married, preferred payment discount, new graduate, and teen driver discount.
The chart below shows the comparison of yearly insurance costs with and without discounts applied. The information is based on a female 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 second bar shows the rates with anti-theft, homeowner, passive restraint, defensive driving course, claim-free, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on insurance for electric cars is 28% or $455.
Here’s why you should compare rates often
Arizona insurance rates are calculated based on many things which can substantially change the price of your policy. Simply improving your credit, moving to a new city, or getting a few speeding tickets can produce rate changes that can make some companies cheaper in comparison to the competition.
Not only may things change on your end, but car insurance companies change rates without warning in order to offset underwriting gains or losses. A period of higher than normal claims may cause higher priced premiums, while lower claim levels can result in lower-priced Tucson car insurance rates.
For instance, the graph below shows which company has the cheapest car insurance in Tucson, AZ for a 35-year-old male driver with no accidents, a clean driving record, and solid credit. When comparing rates based on his current risk factors, The Hartford might quote the most affordable car insurance rates in Tucson at $1,028 per year. This is $400 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Progressive are also included in the best Tucson, AZ auto insurance companies.
Let’s now give the driver from the first example an at-fault accident, slightly worse credit, and a few traffic violations. Since each insurance company has a different formula to set policy rates, comparing prices may now present a different set of companies as shown below.
GEICO now has the cheapest insurance rate in Tucson with CSAA, Ameriprise Group, Allied, and Safeco also being competitive. This example demonstrates why drivers need to perform an extensive rate comparison to find affordable insurance quotes for electric cars. Car insurance prices are determined by many risk factors and change frequently, so the cheapest rate the last time you compared rates may now be quite expensive.
The insurance agents in Tucson listed below can probably aid you in deciding which policy fits your needs best, as some people prefer to have some advice when shopping for cheaper insurance for electric cars. It’s not always simple to find the best coverage yourself, and insurance agents licensed in the state of Arizona can provide satisfaction knowing your policy gives you suitable coverage if you have an accident. To locate a Tucson car insurance agency near you, click the button after the list or click here to compare rates now.
405 E Wetmore Rd g115 – Tucson, AZ 85705 – (520) 888-5000
Al Vasey – State Farm Insurance Agent
7401 E 22nd St – Tucson, AZ 85710 – (520) 514-0222
Arizona Insurance Clinic
4925 E 5th St Suite # 101 – Tucson, AZ 85711 – (520) 323-6887
Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169