The type of vehicle requiring insurance is one of the primary factors when comparing quotes for low-cost insurance for low credit scores. Vehicles with more horsepower, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The next table estimates coverage premiums for a number of the most economical vehicles to insure.
|Make and Model||Estimated Cost for Full Coverage|
|Ford F-150 STX Regular Cab 2WD||$1,378|
|Dodge Grand Caravan SE||$1,406|
|Ford Escape Limited 2WD||$1,470|
|Toyota Tacoma Double Cab 4WD||$1,513|
|Honda Civic LX 4-Dr Sedan||$1,534|
|Hyundai Elantra SE Touring Station Wagon||$1,559|
|Honda CR-V EX-L 4WD||$1,577|
|GMC Sierra SLT Extended Cab 2WD||$1,589|
|Chevrolet Malibu LTZ||$1,595|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$1,589|
|Chevrolet Equinox LTZ 2WD||$1,599|
|Dodge Ram Crew Cab SLT 2WD||$1,620|
|Chevrolet Silverado 3500HD LTZ Crew Cab 2WD||$1,648|
|Hyundai Sonata SE 4-Dr Sedan||$1,668|
|Honda Accord EX 2-Dr Coupe||$1,674|
|Ford Focus SE 4-Dr Sedan||$1,671|
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Prices do not factor in your specific Tucson, AZ location which can influence insurance rates noticeably.
Based on these rates, models like the Ford F-150, Toyota Prius, and Dodge Grand Caravan are most likely going to be a few of the less-costly vehicles to insure for bad credit.
Determining which companies quote the lowest-priced auto insurance rates for low credit scores involves more time in order to find coverage that fits your budget. Each insurance company has a different formula to set their prices, so let’s look at the rankings for the auto insurance companies with the most affordable rates in Arizona.
Best Insurance Companies in Arizona
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford offers some of the best car insurance rates in Tucson at around $836 each year. This is $592 less than the average policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and Progressive also qualify as some of the lowest-priced Tucson, AZ car insurance companies.
In the above example, if you are insured with Travelers and switched to The Hartford, you might achieve savings of in the vicinity of $239. Drivers with Progressive might save as much as $282 a year, and USAA customers might realize rate reductions of up to $288 a year.
To get a fast rate comparison, click here to begin a quote or visit any of the companies below.
Bear in mind that those policy prices are averaged for all insureds and vehicles and and are not figured with a specific vehicle garaging location for low credit scores. So the insurer that can offer you the best rate may not even be in the list above. That point stresses why you need to compare prices as often as possible using your own individual information.
Auto insurance companies ranked
Buying coverage from the best insurance provider can be difficult considering how many different insurance companies sell coverage in Tucson. The company rank data below can help you analyze which car insurance companies to look at when shopping car insurance rates for low credit scores.
These ratings only include companies with a nationwide focus, so smaller companies are not factored into the list. To compare prices and find cheaper insurance for low credit scores, follow this link.
Top 10 Major Auto Insurance Providers in Tucson Ranked by Value
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
Top 10 Major Auto Insurance Providers in Tucson Ranked by Claims Service
- State Farm
- AAA Insurance
- Liberty Mutual
- Titan Insurance
- The Hartford
- Mercury Insurance
The diagram below highlights how deductible choice can affect insurance premiums when quoting cheap insurance for low credit scores. The premiums are based on a single male driver, full coverage, and no additional discounts are factored in.
The data above shows that a 40-year-old driver could lower their car insurance rates by $244 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $370 by choosing a $1,000 deductible. Youthful drivers, like the age 20 example, could save as much as $808 each year by using a higher deductible. If you do raise deductibles, it is necessary to have additional savings on hand to be able to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Who has the cheapest Tucson car insurance?
Arizona auto insurance rates are determined by lots of factors which can significantly increase or decrease the price you pay for coverage. Simply improving your credit, becoming a homeowner, or having an at-fault accident can trigger rate changes that can make some companies more affordable than competitors.
In addition, companies file new rates as often as every three months as an adjustment for underwriting gains or losses. Significantly higher losses can cause price increases, while profitable underwriting may cause cheaper Tucson car insurance rates.
For example, the chart below shows which company has the cheapest car insurance in Tucson, AZ for a 45-year-old male driver with a good driving record, no prior claims, and excellent credit. Based on his current risk factors, The Hartford quotes the lowest car insurance rates in Tucson at $1,063 annually. This is $365 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the rest of the best Tucson, AZ auto insurance companies.
Now we will pretend the driver from the first rate comparison a claim surcharge, poor credit, and a couple of points charged on his driving record. Due to the fact that each insurance company uses a different method for determining rates, comparing insurance quotes may now show a slightly different list of the cheapest car insurance companies in Tucson as shown below.
Progressive now has the lowest car insurance rate in Tucson with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also having competitive pricing. This example shows why it is so important to shop around to find the most budget-friendly car insurance quotes for low credit scores. Insurance prices are impacted by many things and can change without notice, so the cheapest option the last time you compared rates may now be quite expensive.
The professional agents shown below are willing to aid you in deciding which insurance coverage you need, since some drivers wish to have professional advice when trying to find lower insurance rates for bad credit. It’s not always simple to find the best coverage on your own, so agents can provide satisfaction knowing your coverage gives you decent coverage if you have a claim.
To locate an agency by location nearest to you, click the button following the list.
- Mike Severson – State Farm Insurance Agent
5475 S Calle Santa Cruz Ste 161 – Tucson, AZ 85706 – (520) 746-1079
- The Insurance House
2725 E Broadway Blvd – Tucson, AZ 85716 – (520) 795-7737
- HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881
- Melissa Tureaud – State Farm Insurance Agent
7487 E Broadway Blvd – Tucson, AZ 85710 – (520) 296-9525
How to find low-cost insurance for low credit scores
Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help drivers get more affordable auto insurance.
- Remain accident-free and save
- Better credit scores save money
- Do not get tickets
- Save money by staying claim-free
- Choose a safer vehicle and pay lower rates
- Compare rates regularly to ensure the best deal
That last piece of advice is very necessary, as we hit on in this write-up. Prices charged by companies fluctuate constantly, so drivers shouldn’t be reluctant to change to a new company if you find a better deal.
Brand loyalty is not necessarily bad, but it isn’t a good idea if that devotion results in you overpaying lots of hard earned cash every month. It only takes a couple minutes to compare rates to find cheaper insurance for low credit scores in Tucson.