Who Has Cheap Tucson Car Insurance Rates for a School Permit?

The words “bargain” and “auto insurance” really shouldn’t be used in the same sentence, in particular when you are looking for the lowest insurance rates for a school permit. Because it’s so expensive, let’s introduce you to a few of the factors that impact insurance prices, and see if you can cut the cost of your next policy.

Establishing which insurers offer the most affordable auto insurance rates for a school permit calls for a little more work in order to find the lowest price. Each auto insurance company uses different criteria for setting prices, so let’s take a look at the auto insurance companies that tend to have lower prices in Tucson, AZ.

Best Cheap Insurance Rates for Students

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Cheapest insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $924
3 Safeco $932
4 Travelers $1,086
5 USAA $1,124
6 GEICO $1,142
7 Progressive $1,152
8 CSAA $1,177
9 Ameriprise Group $1,220
10 Allied $1,233
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,297
13 Unitrin $1,317
14 Farmers $1,337
15 State Farm $1,364
16 Titan $1,418
17 American Family $1,463
18 Amica $1,487
19 MetLife $1,505
20 California Casualty $1,522
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The Hartford normally has some of the most affordable car insurance rates in Tucson at around $836 a year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the lowest-priced Tucson, AZ insurance companies.

In the rate table above, if you currently buy coverage from Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of around $88. Drivers with Safeco may save as much as $96 a year, and Travelers policyholders might reduce prices by as much as $250 a year.

It’s important to note that these prices are averaged across all types of insureds and vehicles and do not take into consideration a specific vehicle garaging location for a school permit. So the auto insurance company that has the cheapest price for you may not even be in the top 28 companies in the list above. That emphasizes why you need to compare rates from multiple companies using your own specific driver information and vehicle.

The car, truck, or SUV you are trying to insure is probably the most important factor that determines whether or not you can buy cheaper insurance for a school permit. Vehicles with economical engines, good crash test ratings, or a track record of few liability claims will cost less to insure than high performance models.

The next table shows insurance premiums for some of the most affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $4,605
Hyundai Elantra GLS Touring Station Wagon $4,615
Ford Escape XLT 4WD $4,651
Honda CR-V EX 4WD $4,658
Toyota Prius $4,985
Honda Odyssey LX $5,125
Jeep Wrangler Sahara 4WD 2-Dr $5,170
Toyota RAV4 Limited 4WD $5,462
Chevrolet Malibu Hybrid $5,472
Chevrolet Impala LT $5,462
Jeep Grand Cherokee Laredo 4WD $5,472
Toyota Tacoma Double Cab TRD Sport Package 4WD $5,505
Ford F-150 Lariat Crew Cab 4WD $5,512
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Premium costs do not factor in vehicle garaging location which can influence coverage rates noticeably.

Looking at the data, we can infer that cars like the Honda Accord, Hyundai Elantra, Ford Escape, Honda CR-V, and Toyota Prius are most likely to be some of the most budget-friendly vehicles to insure for a learners permit. Rates will tend to be more expensive just due to the fact that there is more liability risk for a school permit, but generally speaking those makes and models will most likely have the best insurance prices that you’ll find.

The illustration below illustrates how choosing a deductible can increase or decrease insurance costs when getting quotes for cheap insurance for a school permit. The rates are based on a single female driver, full coverage, and no discounts are factored in.

The data above shows that a 30-year-old driver could lower their policy premium by $326 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $492 by using a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save $724 each year just by choosing higher deductibles. If you do decide to increase your deductibles, it is a good idea to have plenty of money set aside to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Get discounts on Tucson car insurance rates

Discounts on auto insurance for a school permitAuto insurance companies that offer coverage for a school permit may provide rate discounts that can lower rates by 35% or more if you meet specific eligibility requirements. A few of the larger companies and the discounts they provide are detailed below.

The chart below shows the difference between insurance prices with and without discounts being applied to the rates. The premium estimates are based on a female driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with passive restraint, paid-in-full, anti-theft, paperless filing, continuous coverage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a school permit is 28% or $564.

Choosing a high-quality car insurance company can be difficult considering how many choices there are in Arizona. The company information shown next may help you select which auto insurance companies to look at shopping prices with.

The rankings below only include large insurance companies, so companies that may only write in Arizona are not taken into consideration for this list. To view rates from many more Arizona auto insurance companies, simply click here.

Top Ten Auto Insurance Companies for a School Permit in Tucson, AZ
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

If you aren’t clear which coverage you need and would like to have some professional guidance when comparing insurance rates for a learners permit, the professional agents shown below are a good start to aid you in deciding which car insurance policy is best.

To locate an agency near you, click the button at the bottom of the list.

Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161Tucson, AZ 85706(520) 746-1079

3430 N 1st Ave #2Tucson, AZ 85719(520) 887-4700

Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links RdTucson, AZ 85730(520) 722-7488

Joe Abong – State Farm Insurance Agent
2323 N Swan RdTucson, AZ 85712(520) 750-8016

View more Tucson, AZ insurance agents

How to find the cheapest insurance for a school permit

The list below details a few money-saving ideas that can help Arizona drivers find cheaper auto insurance.

The last suggestion is notably valuable, as was stressed in this write-up. Insurance rates can be modified anytime, so drivers shouldn’t hesitate to switch to a new company if a lower-cost policy is available.

Sticking with a specific company is fine, but it isn’t a good idea if that devotion results in you overpaying money that could be spent on other things. If you have a few minutes, shop around to find cheaper auto insurance for a school permit in Tucson.