Who Has the Cheapest Auto Insurance Rates for Retired Military in Tucson?

Comparing quotes for budget insurance is not always easy, and determining which company offers the most affordable auto insurance rates for retired military involves a bit more work. Every car insurance company uses a different method to determine premium rates, so first we will examine the auto insurance companies that tend to be cheaper in Tucson, AZ.

It’s important that you understand Tucson auto insurance rates are influenced by many factors that will increase or decrease the price you have to pay for coverage. Improving your credit score, getting married, or getting a reckless driving citation can trigger changes in premium that can cause some rates to be cheaper in comparison to the competition.

Best Auto Insurance Prices for Vets

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Cheapest Arizona car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $820
2 Safeco $905
3 Auto-Owners $924
4 Travelers $1,075
5 USAA $1,113
6 Progressive $1,130
7 GEICO $1,177
8 Ameriprise Group $1,208
9 CSAA $1,225
10 Allied $1,233
11 Farm Bureau Mutual $1,297
12 Unitrin $1,317
13 Safe Auto $1,323
14 Farmers $1,350
15 State Farm $1,377
16 Amica $1,429
17 American Family $1,435
18 Titan $1,461
19 California Casualty $1,522
20 MetLife $1,567
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The Hartford quotes some of the cheapest car insurance rates in Tucson at around $820 annually. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the lowest-priced Tucson, AZ auto insurance companies.

As depicted above, if you have coverage with Travelers and switched to Safeco, you could earn savings of approximately $170. Policyholders with USAA may save as much as $208 a year, and Progressive customers might reduce rates by $225 a year.

If you want to find out if you’re overpaying, click here to get quotes or quote rates from the companies below.

Remember that these prices are averages for all insureds and vehicles and and are not calculated with an exact vehicle garaging location for retired military. So the company that is best suited for you may not even be in the top 28 companies in the list above. That affirms the importance of why you need to get rate quotes using your own specific driver and vehicle information.

For veterans, one of the largest things that determine the cost of insurance is where you keep your vehicle. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.

The next table rates the highest-priced areas in Arizona for retired military in which to buy car insurance. Tucson is listed at #10 with a yearly cost of $1,105 for coverage, which is around $92 monthly.

How much does car insurance cost in Tucson, AZ?
Rank City Annual Premium
1 Phoenix $1,231
2 Avondale $1,222
3 Glendale $1,214
4 San Tan Valley $1,185
5 Gilbert $1,154
6 Scottsdale $1,151
7 Buckeye $1,144
8 Mesa $1,125
9 Tempe $1,118
10 Tucson $1,105
11 Goodyear $1,098
12 Peoria $1,093
13 Maricopa $1,085
14 Chandler $1,082
15 Catalina Foothills $1,082
16 Oro Valley $1,062
17 Surprise $1,058
18 Casas Adobes $1,050
19 Casa Grande $1,047
20 Yuma $983
21 Flagstaff $941
22 Prescott $914
23 Bullhead City $905
24 Lake Havasu City $870
25 Sierra Vista $863
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Premium costs are comparative as zip code location can increase or decrease premiums significantly.

The vehicle model to be insured is a large consideration when consumers are trying to find cheaper car insurance for retired military. Vehicles with economical engines, a plethora of safety features, or a positive history of liability claims will cost substantially less to insure than adrenaline junky models.

The next list ranks auto insurance rates for a number of the most cost-effective automobiles to insure in Arizona.

Cheapest Vehicles to Insure in Tucson, AZ
Make, Model, and Trim Level Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,301
Honda Accord EX 4-Dr Sedan $1,309
Toyota Camry LE $1,542
Nissan Altima 2.5 S 4-Dr Sedan $1,623
Honda CR-V EX-L 2WD $1,638
GMC Sierra SLT Extended Cab 4WD $1,651
Chevrolet Silverado LT Regular Cab 2WD $1,657
Chevrolet Silverado 3500HD LT Crew Cab 2WD $1,682
GMC Sierra 3500HD SLE Regular Cab 2WD $1,687
Ford F-350 Super Cab Lariat 2WD $1,711
Ford Focus S 4-Dr Sedan $1,734
Volkswagen Jetta SE 2.5 Station Wagon $1,745
Hyundai Sonata Limited 4-Dr Sedan $1,765
Jeep Grand Cherokee Laredo 4WD $1,768
Toyota Prius $1,778
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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, multi-vehicle, claim-free, multi-policy, and homeowner. Table data does not factor in specific location information which can lower or raise auto insurance rates considerably.

By looking at the data, we can expect cars like the Ford Escape, Honda Accord, and Toyota Camry are going to be some of the most budget-friendly vehicles to insure for veterans.

How accidents and violations affect rates

The easiest method to obtain good auto insurance rates for veterans is to drive attentively and not get tickets or have accidents. The information below highlights how speeding tickets and at-fault accidents can drive up insurance premiums for each different age category. The rate quotes are based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.

In the previous example, the average cost of auto insurance in Tucson per year with no violations or accidents is $1,722. Get written up for one speeding ticket and the average cost swells to $1,939, an increase of $217 each year. Now add in one accident along with the one speeding ticket and the annual cost of auto insurance for retired military goes up to an average of $2,549. That’s an increase of $827, or $69 per month, just for not driving responsibly!

Liability-only versus full coverage

Paying less for auto insurance is the goal of most vehicle owners, and an easy way to buy cheaper insurance for retired military is to buy only liability coverage. The information below compares insurance costs with liability coverage only compared to full coverage. The premiums assume no claims, a clean driving record, $500 deductibles, drivers are not married, and no policy discounts are applied.

If we average the cost for all age groups, physical damage coverage costs $1,889 per year more than insuring for liability only. At some point, about every driver wonders if it’s worth it to buy full coverage. There isn’t a written rule of when to stop paying for full coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

Choosing a good quality company can be difficult considering how many companies sell coverage in Tucson. The rank data in the lists below may help you pick which coverage providers to look at purchasing a policy from. These ratings are only comprised of companies that write coverage in many states, so companies that only write business in Arizona or surrounding areas are not factored into this list.

Top 10 Large Car Insurance Companies in Tucson Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

Top 10 Large Car Insurance Companies in Tucson Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

The insurance agencies below can probably aid you in deciding which insurance coverage you need, as many consumers aren’t sure which coverage to buy and prefer to have a little guidance when shopping for cheaper insurance for veterans. It can be hard to find the cheapest car insurance policy, and agents can bring satisfaction knowing your policy gives you enough coverage if you have a claim. To locate an agency closest to you, click the button at the bottom of the list or click here to compare prices now.

Charlie Riesgo – State FarmĀ® Insurance Agent
131 S Camino SecoTucson, AZ 85710(520) 885-7717

Joe Robinette – State Farm Insurance Agent
4640 E Sunrise Dr #103Tucson, AZ 85718(520) 577-8833

The Insurance House
2725 E Broadway BlvdTucson, AZ 85716(520) 795-7737

AZ Insurance Center
8880 E Speedway Blvd #101Tucson, AZ 85710(520) 722-0665

GEICO Insurance Agent
3255 E Speedway BlvdTucson, AZ 85716(520) 747-4223

Find a Tucson, AZ insurance agent near you