Who Has the Cheapest Auto Insurance Rates for Drivers Under 21 in Tucson?

The type of vehicle you are seeking coverage for is one of the biggest factors that determines whether or not you find economical auto insurance for drivers under 21. Vehicles with lower acceleration and performance, an excellent safety record, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The list below ranks car insurance premiums for the most cost-effective vehicles to insure in Arizona.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $3,787
Ford Escape XLT 2WD $3,797
Honda CR-V EX 4WD $3,831
Toyota Prius $4,129
Ford F-150 XL Super Cab 2WD $4,195
Chevrolet Silverado LS Regular Cab 4WD $4,200
Chevrolet Impala LS $4,452
Toyota Tacoma Double Cab 4WD $4,496
Toyota RAV4 Limited 4WD $4,501
Chevrolet Malibu LS $4,496
Jeep Grand Cherokee Laredo 4WD $4,505
Dodge Grand Caravan SXT $4,537
Ford Explorer Limited AWD $4,544
Dodge Ram 3500 Crew Cab Laramie 2WD $4,537
Ford Focus SEL 4-Dr Sedan $4,706
Nissan Altima 2.5 S 4-Dr Sedan $4,749
Toyota Camry XLE $4,759
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Data rating is based on single female driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in zip code location which can raise or lower price quotes substantially.

Based upon the table data, you can presume that models like the Honda Accord, Ford Escape, and Honda CR-V are most likely to be some of the less-costly vehicles to insure for minors. Auto insurance rates will be higher anyway because there is a higher risk for drivers under 21, but in general those makes and models will tend to have the lowest insurance prices available.

Determining which companies have the lowest-priced auto insurance rates for drivers under 21 takes more time in order to find the lowest price.

Every insurance provider has their own guidelines for establishing rates, so to begin we’ll rank the most budget-friendly auto insurance companies in Tucson, AZ. We do need to point out that Arizona auto insurance rates are influenced by many factors which can substantially decrease or increase the price you pay. Simply turning a year older, adding a teenager to your policy, or getting a speeding ticket can produce rate changes that can make some companies more affordable than before.

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Rankings for the cheapest car insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $811
2 Auto-Owners $897
3 Safeco $923
4 USAA $1,091
5 Travelers $1,108
6 Progressive $1,152
7 GEICO $1,177
8 Allied $1,197
9 Ameriprise Group $1,208
10 CSAA $1,213
11 Farm Bureau Mutual $1,285
12 Unitrin $1,317
13 Safe Auto $1,336
14 State Farm $1,337
15 Farmers $1,391
16 Titan $1,433
17 American Family $1,463
18 Amica $1,473
19 MetLife $1,505
20 California Casualty $1,522
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The Hartford quotes some of the best car insurance rates in Tucson at around $811 a year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the best Tucson, AZ auto insurance companies.

As the example above demonstrates, if you have coverage with Travelers and switched to Auto-Owners, you may see a yearly price reduction of in the neighborhood of $211. Arizona drivers with Progressive may save as much as $255 a year, and GEICO policyholders might lower prices by up to $280 a year.

To get a quick, customized rate comparison, click here to start your free quote or visit any of the companies below.

Be aware that those policy rates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for drivers under 21. So the insurer that can offer the best rates for your situation may not even be in the top 28 companies in the list above. That is why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

For minors, one of the largest things that are looked at to help calculate the annual cost of car insurance is where you normally keep your vehicle in Tucson. Areas with more people or higher crime rates are more likely to pay higher prices, whereas areas with less crime or weather claims tend to receive slightly lower rates.

The table below sorts the most expensive cities in Arizona for drivers under 21 to buy an auto insurance policy in. Tucson is listed at #15 with an annual premium of $1,072 for the average insured, which is about $89 monthly.

How much does car insurance cost in Tucson, AZ?
Rank City Annual Premium
1 Avondale $1,222
2 Phoenix $1,218
3 Glendale $1,190
4 San Tan Valley $1,161
5 Buckeye $1,156
6 Gilbert $1,154
7 Tempe $1,152
8 Scottsdale $1,129
9 Chandler $1,126
10 Mesa $1,125
11 Goodyear $1,120
12 Maricopa $1,107
13 Peoria $1,104
14 Casa Grande $1,089
15 Tucson $1,072
16 Oro Valley $1,062
17 Surprise $1,048
18 Catalina Foothills $1,040
19 Casas Adobes $1,040
20 Yuma $963
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Prices are estimated as vehicle location can change insurance rates greatly.

The chart below highlights how deductible selection can increase or decrease insurance costs when getting quotes for cheap insurance for drivers under 21. The rates are based on a married male driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 40-year-old driver could reduce rates by $282 a year by increasing from a $100 deductible up to a $500 deductible, or save $424 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices as much as $950 each year by using a higher deductible.

If you do make the decision to raise your deductibles, it is a good idea to have additional funds in a savings account to be able to cover the extra out-of-pocket expense that comes with higher deductibles.

Difference between liability only and full coverage rates

Saving on auto insurance is important to most people, and one common way to find cheaper insurance for drivers under 21 is to not pay for full coverage. The example below illustrates the comparison of insurance prices with and without full coverage. The price estimates are based on no claims or driving violations, $100 deductibles, drivers are not married, and no other discounts are factored in.

If we average the cost for ages 20 through 70, comprehensive and collision coverage on your policy costs an additional $1,722 per year more than just buying liability only. At some point, every insured wonders when is the right time to remove full coverage. There is no set guideline for dropping full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is more than about 10% of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s assume your vehicle’s replacement cost is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $2,000 after the deductible is paid. If you are paying over $200 annually to have full coverage, then you might want to consider buying only liability coverage.

Tips for finding cheaper insurance for drivers under 21

The list below shows some of the recommended money-saving solutions that can help you get lower-cost car insurance.

The last item on the list is certainly crucial, as was affirmed in this article. Prices change a lot, so don’t be afraid to buy a different policy if a more affordable price is available.

We understand brand loyalty, but we do not recommend it if it’s costing you a small fortune. It only take a few minutes to compare rates to find cheaper car insurance for drivers under 21 in Tucson.

If you like to have professional advice when comparing insurance rates for minors, the insurance agencies listed below can provide answers to your questions and help you determine which auto insurance policy fits you best.

To find a Tucson insurance agent in your neighborhood, click the button link following the list or click here to compare price quotes now.

Mooney Insurance
10501 E Seven Generations Way #103Tucson, AZ 85747(520) 751-0502

American Family Insurance – Thom Wadlund
4500 E Grant Rd Ste ATucson, AZ 85712(520) 318-0734

Gene Molina – State Farm Insurance Agent
2160 W Holladay StTucson, AZ 85746(520) 883-1500

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