I’m sure you’ve seen the captivating ads from auto insurance companies like The General and Allstate claiming big savings, so you should just pick the company with the cutest commercial, right?
It’s not that simple, unfortunately, as there are a ton of unknowns like what coverage limits you want, how many years you have been driving, and if you need full coverage or just liability. This article delves into these things and should give you some help in finding cheaper rates.
Determining which companies have the cheapest auto insurance rates for a learners permit will require more time than just comparing rates from one or two companies.
Every car insurance company has a different formula for setting prices, so we’ll go over the overall cheapest auto insurance companies in Tucson, AZ. It’s important to know that Tucson auto insurance rates are influenced by many factors that will increase or decrease your annual premium. Simply getting older, filing a claim, or getting a ticket for careless driving can cause premium changes that can now make some companies more affordable than competitors.
Find the Cheapest Auto Insurance in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,247|
|View More Rates Go|
The Hartford has some of the cheapest car insurance rates in Tucson at around $820 per year. Auto-Owners, Safeco, USAA, and Travelers are also some of the cheaper Tucson, AZ insurance companies.
In this example, if you are a customer of Safeco and switched to The Hartford, you could earn yearly savings of upwards of $112. Customers with USAA may save as much as $271 a year, and Travelers insureds might reduce prices by as much as $288 a year.
To get a quick, customized rate comparison, click here to get a free quote or feel free to get quotes from the companies below.
These policy rates are averages across all drivers and vehicles and and are not calculated with an exact location for a learners permit. So the insurer that fits your needs best may not even be in the list above. That point stresses why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
One of the many factors that are looked at to help calculate the cost of insurance is where you keep your vehicle in Tucson. Cities with larger populations tend to have higher rates, whereas areas with lower crime rates and fewer weather claims benefit from having to pay less for coverage.
The next table rates the most costly cities in Arizona for a learners permit to buy car insurance in. Tucson ranks #16 with a yearly cost of $1,072 on average, which is around $89 monthly.
|4||San Tan Valley||$1,161|
|25||Lake Havasu City||$852|
|Compare Rates Now Go|
Price information shown is approximated as the specific garaging location can change insurance rates noticeably.
The make and model of vehicle that needs insurance is one of the largest factors when trying to find low-cost insurance for a learners permit. Vehicles with high performance engines, poor crash test ratings, or a high likelihood of having liability claims will cost more to insure than more modest models. The information below presents coverage premiums for the cheaper vehicles to insure in Arizona.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda Accord LX-P 4-Dr Sedan||$4,879|
|Honda CR-V EX-L 2WD||$4,922|
|Ford Escape XLT 4WD||$4,928|
|Hyundai Elantra SE Touring Station Wagon||$5,219|
|Jeep Wrangler Rubicon 4WD 2-Dr||$5,490|
|Ford F-150 XLT Super Cab 4WD||$5,535|
|Volkswagen Jetta SE 2.5 Station Wagon||$5,561|
|Chevrolet Malibu Hybrid||$5,787|
|Chevrolet Silverado LS Extended Cab 4WD||$5,797|
|Toyota Tacoma Double Cab 4WD||$5,787|
|Chevrolet Impala LT||$5,792|
|Toyota RAV4 Limited 4WD||$5,787|
|Chevrolet Equinox LT 2WD||$5,795|
|Jeep Grand Cherokee Laredo 4WD||$5,787|
|Dodge Grand Caravan Crew||$5,832|
|Ford Explorer Eddie Bauer AWD||$5,838|
|Ford Focus SEL 4-Dr Sedan||$6,041|
|Honda Odyssey EX-L||$6,084|
|Ford Edge Limited AWD||$6,092|
|Toyota Camry SE||$6,084|
|Toyota Corolla LE||$6,089|
|Nissan Altima Hybrid 4-Dr Sedan||$6,129|
|Get a Custom Quote Go|
Data rating is based on 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 vehicle location which can revise price quotes considerably.
Based upon these rates, you can figure that cars like the Honda Accord, Honda CR-V, Ford Escape, and Hyundai Elantra will definitely be some of the most affordable vehicles to insure for new drivers. Rates will be higher anyway just because there is more liability risk for a learners permit, but in general those particular vehicles will probably have the cheapest auto insurance rates compared to all other vehicles.
Safe drivers pay cheaper rates
The easiest way to receive low auto insurance prices in Arizona for new drivers is to drive safely and not receive tickets or have accidents. The chart below highlights how speeding tickets and fender-benders impact insurance rates for each different age category. Data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.
In the prior example, the average cost of auto insurance in Arizona per year with no accidents or violations is $1,074. Get one speeding ticket and the average cost hikes up to $1,236, an increase of $162 each year. Then add two accidents along with the one speeding ticket and the annual cost of auto insurance for a learners permit jumps again to an average of $2,757. That’s an increase of $1,682, or $140 per month, just for a couple of infractions!
Do you need full coverage?
Finding the cheapest auto insurance is important to the majority of people, and one of the easiest ways to pay lower rates for insurance for a learners permit is to only pay for liability coverage. The illustration below compares insurance rates with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $500 deductibles, single marital status, and no additional discounts are factored in.
Averaged for all age groups, full coverage on your policy costs an additional $1,889 per year more than just insuring for liability. At some point, every insured wonders if you should buy full coverage. There is no clear-cut rule for dropping comp and collision coverage, but there is a guideline you can use. If the annual cost of coverage is more than 10% of the settlement you would receive from your company, then it may be the right time to buy liability only.
For example, let’s say your vehicle’s replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after you pay the deductible. If it’s costing in excess of $700 annually for your policy with full coverage, then it could be time to drop full coverage.
Insuring your vehicle with the right insurer can be challenging considering how many companies sell insurance in Tucson. The ranking information in the lists below may help you select which providers to look at shopping prices with.
These ratings are only made up of large insurance companies, so companies that may only write in Arizona are not factored into these rankings. If you’d like to compare prices from these and other top-rated companies, click here.
Top 10 Major Car Insurance Companies 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 Major Car Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance