Who Has the Cheapest Tucson Auto Insurance for a 20 Year Old Female?

Trying to find affordable insurance is not the easiest thing to do, and deciding which company quotes the most affordable car insurance rates for 20 year old women calls for additional perseverance.

Every car insurance company uses a different method for determining prices, so we’ll take a look at the car insurance companies with the overall best prices in Tucson. It’s important to know that Tucson car insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. This is why it is so important to compare lots of rates to get the most affordable insurance quotes for 20 year old women. Insurance prices are made up of many risk factors and can change substantially, so the best price two years ago may now be one of the more expensive options.

Lowest Insurance Price Quotes for Women Age 20

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Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $836
2 Auto-Owners $897
3 Safeco $905
4 Travelers $1,108
5 USAA $1,113
6 Progressive $1,130
7 GEICO $1,166
8 CSAA $1,177
9 Ameriprise Group $1,220
10 Allied $1,233
11 Safe Auto $1,284
12 Farm Bureau Mutual $1,297
13 Unitrin $1,303
14 State Farm $1,377
15 Farmers $1,378
16 American Family $1,420
17 Amica $1,443
18 Titan $1,461
19 MetLife $1,551
20 California Casualty $1,552
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The Hartford quotes some of the most affordable car insurance rates in Tucson at around $836 a year. This is $592 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the cheaper Tucson, AZ insurance companies.

In the above example, if you currently have coverage with USAA and switched to Auto-Owners, you may see savings of roughly $216. Drivers with Progressive could save as much as $233 a year, and GEICO policyholders might lower prices by $269 a year.

To see if your current coverage is too expensive, click here or click several companies below for low rates.

Remember that these policy rates are averages across all types of drivers and the different vehicles they drive and do not factor in a vehicle location for 20 year old women. So the insurer that fits your needs 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 individual information.

The type of vehicle you are trying to insure is one of the biggest factors when shopping around for the most economical auto insurance for 20 year old women. Vehicles with economical engines, a great safety record, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.

The list below showcases insurance rates for a selection of the most cost-effective vehicles to buy coverage for.

Cheapest Vehicles to Insure in Tucson, AZ
Make and Model Estimated Cost for Full Coverage
Honda Accord LX-P 4-Dr Sedan $2,700
Ford Escape XLS 4WD $2,708
Honda CR-V EX-L 2WD $2,740
Jeep Wrangler Sport 4WD 2-Dr $2,816
Hyundai Elantra SE Touring Station Wagon $2,914
Toyota Prius $2,954
Honda Odyssey LX $2,987
Ford Explorer XLT AWD $3,027
Ford Edge SE AWD $3,160
Toyota RAV4 Limited 4WD $3,201
Chevrolet Malibu LS $3,209
Chevrolet Impala LT $3,201
Dodge Grand Caravan Hero $3,208
Toyota Camry LE $3,201
Volkswagen Jetta LE 4-Dr Sedan $3,206
Ford F-150 FX4 Super Cab 4WD $3,241
Toyota Tacoma X-Runner 2WD $3,374
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Table data represents single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in zip code location which can change auto insurance rates significantly.

Based on these rates, you can assume that makes and models like the Honda Accord, Ford Escape, and Honda CR-V will definitely be a few of the most economical vehicles to insure for young women. Car insurance rates will be more costly because there is more claim risk for 20 year old women, but generally speaking those makes and models will tend to have the least expensive rates possible.

One of the many criteria that determine the cost of insurance is where you live. More densely populated places tend to have higher auto insurance costs, whereas more rural areas profit from lower rates.

The information below ranks the highest-priced places in Arizona for 20 year old women to purchase a policy in. Tucson shows up at #11 with an annual premium of $1,105 for the average insured, which is about $92 each month.

How much does car insurance cost in Tucson, AZ?
Rank City Annual Rate
1 Phoenix $1,218
2 Avondale $1,210
3 Glendale $1,178
4 Scottsdale $1,163
5 San Tan Valley $1,161
6 Buckeye $1,156
7 Peoria $1,126
8 Tempe $1,118
9 Mesa $1,113
10 Gilbert $1,108
11 Tucson $1,105
12 Chandler $1,093
13 Goodyear $1,087
14 Casas Adobes $1,082
15 Maricopa $1,074
16 Casa Grande $1,057
17 Oro Valley $1,051
18 Surprise $1,048
19 Catalina Foothills $1,040
20 Yuma $992
21 Flagstaff $960
22 Prescott $914
23 Sierra Vista $899
24 Lake Havasu City $878
25 Bullhead City $878
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Prices are comparative as the specific geographic location can revise price quotes greatly.

Get discounts on Tucson insurance rates

Discounts on car insurance for 20 year old womenInsurance companies that offer cheap quotes for 20 year old women may also give you price discounts that could reduce prices by as much as 35% if you meet eligibility requirements. The best car insurance companies and their possible discounts are:

The example below illustrates the comparison of insurance premiums with and without discounts. The price estimates are based on a male driver, a clean driving record, no claims, Arizona state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with continuous coverage, paid-in-full, good student, anti-theft, paperless filing, and passive restraint discounts applied. When discounts are applied, theaverage yearly reduction on car insurance for 20 year old women is 18% or $320.

Reckless driving habits raise Tucson car insurance rates

The obvious way to enjoy affordable car insurance premiums in Arizona for young women is to drive attentively and not get tickets or have accidents. The diagram below shows how violations and accident claims can impact insurance premiums for each different age group. The data is based on a single female driver, comp and collision included, $100 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of auto insurance per year with a clean driving record and no accidents is $2,182. Receive two speeding tickets and the average cost hikes up to $2,938, an increase of $756 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for 20 year old women jumps again to an average of $3,713. That’s an increase of $1,531, or $128 per month, just for being a careless driver!

Are you paying too much for car insurance in Tucson?

Tucson car insurance rates are determined by lots of factors that will increase or decrease the cost of having a policy. Improving your credit score, buying a new vehicle, or getting a few speeding tickets can cause premium changes that can now make some companies cheaper in comparison to the competition.

Not only may your situation change, but car insurance companies file new Arizona auto insurance rates at least once a year to adjust for unexpected claims or profits. Higher than normal claims may result in high rates, while profitable underwriting can result in lower-cost Tucson car insurance rates.

To illustrate this example, the data below shows the cheapest car insurance in Tucson, AZ for a 45-year-old female driver with a clear driving record, no claims, and great credit. Based on her personal risk profile, The Hartford may offer the cheapest car insurance rates in Tucson at $1,062 per year. This is $366 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive are also included in the most affordable Tucson, AZ auto insurance companies.

Now let’s give the driver in the first example an accident claim, a lower credit score, and a stop sign violation. Since each auto insurer has their own formula to set their prices, comparing rates may now show a new list of the cheapest companies as shown below.

GEICO now has the lowest price in Tucson with Allied, Auto-Owners, CSAA, and Ameriprise Group also being competitive. This shows why it is critical to compare lots of rates to find the most economical car insurance rates for 20 year old women.

Rates can be altered by many things and can change substantially, so the best option six months ago may now be quite expensive.