Who Has Cheap Tucson Auto Insurance for Young Drivers?

It’s hard to avoid all the captivating ads from companies like Allstate, Farmers, and State Farm that guarantee huge savings. So you just need to pick the company with the best ad, right?

It’s not quite that easy, unfortunately, as there are a whole bunch of unknown elements such as your financial responsibility, if you are currently insured, what coverage limits you need, and if full coverage is needed. The content below covers the best ways to compare rates and will hopefully give you a good start in finding the cheapest insurance in Tucson.

Determining which companies offer the best car insurance rates for young drivers may require more time in order to find the most economical policy.

Every insurance provider has a unique formula for determining prices, so let’s take a look at the most budget-friendly car insurance companies in Tucson. It’s a good idea to know that Tucson car insurance rates are impacted by many factors which can significantly increase or decrease the policy price. Simply having a birthday, becoming a homeowner, or getting caught speeding can trigger price changes that can now make some companies much cheaper than others.

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The Hartford quotes some of the best car insurance rates in Tucson at around $820 each year. This is $608 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also make the cut as some of the cheapest Tucson, AZ auto insurance companies.

As shown in the rates above, if you buy coverage from Safeco and switched to The Hartford, you might achieve annual savings of around $76. Drivers with Auto-Owners could save as much as $95 a year, and USAA customers might lower prices by up to $271 a year.

If you would like to find cheaper car insurance rates, click here or visit any of the low-priced companies below.

It’s important to note that these policy rates are averages across all types of drivers and the different vehicles they drive and are not factoring in an exact zip code location for young drivers. So the car insurance company that is best for you may not even be in the top 28 companies in the list above. That points out the importance of why you need to get car insurance quotes using your own driver data and vehicle information.

The vehicle to be insured is probably the most important factor when consumers are trying to find cheaper auto insurance for young drivers. Vehicles with higher performance characteristics, poor safety ratings, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models.

The list below illustrates insurance costs for the more affordable automobiles to insure.

Cheapest Vehicles to Insure in Tucson, AZ
Vehicle Insured Estimated Cost for Full Coverage
Honda CR-V LX 2WD $4,878
Ford Escape XLT 2WD $4,887
Toyota Prius $5,262
Ford F-150 XLT Super Cab 4WD $5,534
Volkswagen Jetta SE 2.5 Station Wagon $5,559
Ford Focus S 4-Dr Sedan $5,742
Ford Edge SE AWD $5,748
Dodge Grand Caravan Hero $5,785
Jeep Grand Cherokee Laredo 2WD $5,791
Chevrolet Equinox LT AWD $5,785
Ford Fusion S 4-Dr Sedan $5,793
Chevrolet Impala LT $5,785
Toyota RAV4 Limited 2WD $5,791
Toyota Camry LE $5,785
Chevrolet Malibu Hybrid $5,792
Toyota Tacoma Double Cab 4WD $5,830
Ford Explorer Limited 4WD $5,839
Hyundai Elantra Blue 4-Dr Sedan $6,039
Honda Odyssey EX-L W/Rear Entertainment $6,082
Toyota Corolla XRS $6,127
GMC Sierra SLE Regular Cab 4WD $6,134
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $6,132
GMC Sierra 3500HD SLE Extended Cab 2WD $6,172
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Table data assumes single female driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in specific zip code location which can influence prices substantially.

Based on these rates, you can assume that vehicles like the Honda CR-V, Ford Escape, and Toyota Prius are likely to be some of the less-costly vehicles to insure for youthful drivers. Auto insurance rates will tend to be more expensive anyway just due to the fact that there is more liability exposure for young drivers, but in general those particular models will tend to have the cheapest car insurance rates compared to all other vehicles.

One of the many things that determine car insurance rates is where your residence is. Areas with a lot of weather claims or more people are more likely to pay higher prices, whereas areas that tend to be more rural tend to receive slightly lower rates.

The next table shows the most expensive cities in Arizona for young drivers to purchase car insurance in. Tucson makes the list at #16 with the annual price of $1,061 for the average policyholder, which is around $88 monthly.

Car insurance prices in Tucson
Rank City Average Per Year
1 Phoenix $1,255
2 Glendale $1,214
3 San Tan Valley $1,196
4 Avondale $1,186
5 Mesa $1,159
6 Buckeye $1,156
7 Scottsdale $1,151
8 Tempe $1,140
9 Peoria $1,137
10 Chandler $1,126
11 Gilbert $1,120
12 Goodyear $1,120
13 Maricopa $1,107
14 Surprise $1,090
15 Casa Grande $1,079
16 Tucson $1,061
17 Oro Valley $1,051
18 Casas Adobes $1,050
19 Catalina Foothills $1,050
20 Yuma $954
21 Prescott $942
22 Flagstaff $941
23 Sierra Vista $899
24 Bullhead City $896
25 Lake Havasu City $844
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Premium costs are comparative as the specific Tucson residence address can influence premium rates greatly.

Does full coverage make sense?

Paying less for car insurance is important to the majority of drivers, and an easy way to find cheap insurance for young drivers is to buy only liability coverage. The example below compares auto insurance rates with full coverage and liability only. The costs are based on no violations or accidents, $1,000 deductibles, drivers are not married, and no discounts are applied.

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an extra $1,681 per year more than just insuring for liability. That may make you wonder if buying full coverage is a waste of money. There is no clear-cut rule to delete physical damage coverage, but there is a guideline you can use. If the annual cost of coverage is about 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.

There are some circumstances where only buying liability is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not drop full coverage.

The information below shows how different deductible levels can affect insurance premiums when quoting cheap insurance for young drivers. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.

A 30-year-old driver could lower rates by $374 a year by increasing from a $100 deductible up to a $500 deductible, or save $564 by changing to a $1,000 deductible. Young drivers, like the Age 20 chart data, could roll back prices $1,114 or even more by using higher deductibles when buying full coverage.

If you do decide to increase your deductibles, it is necessary to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

The importance of comparing Tucson car insurance rates

Tucson, AZ car insurance rates are influenced by many factors which can substantially change the price you have to pay. Improving your credit rating, filing a claim, or getting a speeding ticket can trigger price changes that can cause some rates to be more affordable than competitors. Also, companies change prices as needed in order to remain profitable. Heavier than normal losses may result in more expensive prices, while better underwriting can produce cheaper Tucson car insurance rates.

The chart below shows the companies that have the cheapest car insurance in Tucson, AZ for a 40-year-old male driver with no prior claims, no tickets, and excellent credit. Based on his current risk factors, The Hartford might quote the lowest car insurance rates in Tucson at $1,062 annually. This is $366 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also on the list of the cheapest Tucson, AZ auto insurance companies.

Now we will give the driver from the first example a claim, a lower credit score, and an imperfect driving record. Since each auto insurer has their own process to set policy rates, analyzing rates most likely will result in a substantially altered list of affordable Tucson car insurance companies as shown below.

Progressive now has the cheapest car insurance in Tucson with CSAA, Ameriprise Group, Allied, and Auto-Owners now being in the top five. This example shows why consumers need to take the time to shop around with many companies to get the cheapest car insurance quotes for young drivers. Insurance rates consist of many things and change dramatically, so the cheapest option the last time you shopped your coverage around may now be one of the higher cost companies.

How to find budget-friendly auto insurance for young drivers

The list below details some thrifty solutions that can help you locate cheaper coverage.

The final tip is notably valuable, as we noted in this piece. Insurance prices can be changed at any time, so don’t be unwilling to buy from a different company if you can save money. Brand loyalty is not necessarily bad, but is isn’t recommended if it’s costing you thousands of dollars over several years. In just a couple of minutes you could shop around to find cheaper auto insurance for young drivers in Tucson.