Deciding which insurers offer the most affordable insurance rates for uninsured drivers will involve a bit more effort than just getting one or two price quotes.
Each company uses a little different formula for setting prices, so we need to take a look at the insurance companies that tend to have lower prices in Tucson, AZ.
Best Cheap Insurance Rates in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford may have some of the cheapest car insurance rates in Tucson at around $820 a year. This is $608 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheaper Tucson, AZ auto insurance companies.
As shown in the table above, if you are a policyholder with Auto-Owners and switched to The Hartford, you might realize yearly savings of approximately $77. Insureds with Safeco could save as much as $85 a year, and Travelers insureds might reduce prices by as much as $266 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 zip code for uninsured drivers. So the car insurance company that fits your situation best may not even be in the top 28 companies shown above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.
The vehicle you are seeking coverage for is one of the largest considerations that determines if you can find the cheapest coverage for uninsured drivers. Vehicles with high performance features, a lack of safety features, or a track record of large liability claims will cost more to insure than safer models. The information below illustrates car insurance costs for the more affordable automobiles to insure in Arizona.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Ford Escape XLS 4WD||$1,252|
|Honda Accord EX-L 4-Dr Sedan||$1,357|
|Jeep Wrangler Sahara 4WD 2-Dr||$1,405|
|Ford F-150 XLT Super Cab 4WD||$1,433|
|Honda CR-V LX 4WD||$1,435|
|Volkswagen Jetta LE 4-Dr Sedan||$1,481|
|Nissan Altima 2.5 4-Dr Sedan||$1,491|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$1,509|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,588|
|Ford Explorer Eddie Bauer 2WD||$1,608|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,618|
|Ford Focus SE 4-Dr Sedan||$1,666|
|Ford Edge SE AWD||$1,672|
|Honda Odyssey LX||$1,687|
|Chevrolet Silverado LS Extended Cab 4WD||$1,697|
|Toyota RAV4 Limited 4WD||$1,705|
|Dodge Ram Crew Cab SLT 4WD||$1,725|
|Dodge Grand Caravan SXT||$1,730|
|Chevrolet Impala LTZ||$1,786|
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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 claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific garaging location which can raise or lower premiums noticeably.
By looking at the data, we can assume that vehicles like the Ford Escape, Honda Accord, and Toyota Prius will be some of the cheaper vehicles to insure for drivers with no prior coverage.
How to find a good Arizona insurance company
Picking the highest-rated company can be difficult considering how many companies are available to choose from in Tucson. The ranking information in the lists below can help you decide which car insurance companies you want to consider when shopping insurance around for uninsured drivers. These rankings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so smaller regional companies are not taken into consideration for this list.
Top 10 Large 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 Large Auto Insurers in Tucson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
Careless drivers pay higher rates
The easiest way to snag the best insurance rates in Tucson for drivers with no prior coverage is to drive attentively and avoid accidents and traffic citations. The chart below illustrates how speeding tickets and at-fault claims impact annual premium costs for different age groups of insureds. The rates are based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
The data in the chart shows the average cost of car insurance in Arizona per year with no accidents or violations is $1,651. Factor in two speeding tickets and the average cost surges to $2,349, an increase of $698 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of insurance for uninsured drivers increases to an average of $3,052. That’s an increase of $1,401, or $117 per month, just for not being a responsible driver!
The diagram below shows how choosing a deductible can impact insurance premiums when getting quotes for cheap insurance for uninsured drivers. The premiums assume a single female driver, comp and collision included, and no discounts are factored in.
As shown above, a 40-year-old driver could save $236 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $358 by choosing a $1,000 deductible. Even younger insureds, such as the Age 20 example, have the ability to save as much as $602 annually just by choosing higher deductibles when buying full coverage. When choosing a higher deductible, it is necessary to have plenty of savings on hand to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
If you wish to have a little guidance when buying car insurance for uninsured drivers, the agents shown below can help you decide which auto insurance policy would work best for you. To locate a Tucson car insurance agency close to you, click the button below the list.
- Noreen Lawlor – State Farm Insurance Agent
8925 E Golf Links Rd – Tucson, AZ 85730 – (520) 722-7488
- American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877
- Allstate Insurance: Mike Brown
3400 E Speedway Blvd Ste 202 – Tucson, AZ 85716 – (520) 318-1775