The words “low-priced” and “insurance” probably shouldn’t be used together, especially when comparison shopping for the cheapest coverage for safe drivers. To save some money, let’s get started by showing you some situations that have an effect on car insurance prices, and find a way to slash the price of the next policy you buy.
The type of vehicle needing coverage is one of the largest considerations when comparing the best coverage for safe drivers. Vehicles with lots of horsepower, poor passenger safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The information below ranks auto insurance prices for a number of the most economical vehicles to buy insurance for.
|Make and Model||Estimated Cost for Full Coverage|
|Jeep Wrangler Sport 4WD 2-Dr||$1,175|
|Dodge Grand Caravan SE||$1,271|
|Toyota RAV4 2WD||$1,341|
|Ford Fusion S 4-Dr Sedan||$1,346|
|Chevrolet Impala LT||$1,341|
|Ford F-150 XLT Crew Cab 4WD||$1,368|
|Ford Focus SEL 4-Dr Sedan||$1,385|
|Ford Escape XLT 2WD||$1,390|
|Hyundai Elantra GLS Touring Station Wagon||$1,397|
|Honda CR-V EX-L 4WD||$1,424|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$1,438|
|Honda Civic Hybrid 4-Dr Sedan||$1,444|
|Dodge Ram 3500 Crew Cab ST 2WD||$1,489|
|Volkswagen Jetta S 2.5 Station Wagon||$1,511|
|Toyota Tacoma 2WD||$1,513|
|Chevrolet Equinox LS AWD||$1,542|
|Jeep Grand Cherokee Laredo 4WD||$1,550|
|Nissan Altima 2.5 4-Dr Sedan||$1,542|
|Ford Edge SEL AWD||$1,612|
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in Tucson, AZ location which can decrease or increase coverage rates significantly.
Based upon these rates, you can figure that cars like the Jeep Wrangler, Dodge Grand Caravan, Toyota RAV4, and Ford Fusion should be the most budget-friendly vehicles to insure for good drivers.
Trying to find cheap auto insurance is not the easiest thing to do, and determining which companies have the cheapest insurance rates for safe drivers involves even more rate comparisons. Each auto insurance company has their own process for determining prices, so we’ll go over the insurance companies with the overall best prices in Tucson.
Find Cheaper Auto Insurance for Safe Drivers
|Rank||Company||Cost Per Year|
|12||Farm Bureau Mutual||$1,297|
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The Hartford may have some of the most affordable car insurance rates in Tucson at around $845 each year. This is $583 less than the average policy premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the cheapest Tucson, AZ insurance companies.
As illustrated above, if you are currently insured with USAA and switched to Safeco, you might realize a yearly savings of around $168. Drivers with Travelers may save as much as $185 a year, and GEICO policyholders might see rate reductions of $208 a year.
To get a fast rate comparison, click here to get a free quote or visit any of the companies below.
Remember that these policy rates are averages across all drivers and vehicles and and are not calculated with a vehicle location for safe drivers. So the insurer that has the cheapest price for you may not even be in the list above. That illustrates why you need to compare prices as often as possible using your own personal information and vehicle type.
The illustration below illustrates how your deductible choice can influence insurance costs when quoting cheap insurance for safe drivers. The prices are based on a married male driver, comp and collision included, and no discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower rates by $250 a year by changing from a $100 deductible up to a $500 deductible, or save $378 by switching to a $1,000 deductible. Younger drivers, like the 20-year-old example, could drop their prices up to $834 or even more just by choosing larger deductibles.
When raising 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 is the one disadvantage of using higher deductibles.
Get discounts on Tucson insurance rates
Insurance companies that provide coverage for safe drivers could also offer rate discounts that could potentially reduce rates by as much as 35% or more if you can meet the requirements. A few of the larger companies and a selection of discounts are detailed below.
- Mercury Insurance offers discounts for good student, location of vehicle, ease of repair, annual mileage, accident-free, low natural disaster claims, and multi-car.
- Farmers Insurance includes discounts for bundle discounts, multi-car, youthful driver, teen driver, and homeowner.
- Farm Bureau has savings for multi-vehicle, multi-policy, renewal discount, youthful driver, driver training, and 55 and retired.
- State Farm may offer discounts for good student, anti-theft, safe vehicle, accident-free, and multiple policy.
- Allstate may have discounts that include EZ pay plan discount, passive restraint, teenSMART discount, senior citizen, premier discount, and anti-lock brakes.
- GEICO offers discounts including anti-theft, five-year accident-free, seat belt use, good student, emergency military deployment, federal employee, and membership and employees.
The diagram below visualizes the comparison of auto insurance costs with and without discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, Arizona state minimum liability limits, full physical damage coverage, and $250 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with accident-free, defensive driving course, multiple policy, anti-theft, homeowner, and claim-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on insurance for safe drivers is 28% or $436.
Ending up with a high-quality company can be rather challenging considering how many companies there are in Tucson. The ranking data shown below could help you select which providers you want to consider purchasing coverage from.
These rankings only include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas are not taken into consideration for this list. To get price quotes from these top insurers and more, follow this link.
Top 10 Large Car Insurance Companies Overall in Tucson
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
The Tucson auto insurance agencies shown below can probably help you determine which coverage fits your budget, as some drivers aren’t sure which coverage they need and prefer to get some professional input when trying to find the best insurance rates for good drivers. It can be hard to find the best coverage on your own, and getting advice from a licensed Arizona insurance agent can give satisfaction knowing your policy gives you adequate protection in the event of a claim.
To locate a Tucson auto insurance agent in your neighborhood, click the button at the bottom.
- Allstate Insurance: Debe A. Campos-Fleenor
3206 E Grant Rd – Tucson, AZ 85716 – (520) 745-0169
- HalSi Insurance Services
7670 E Broadway Blvd #250 – Tucson, AZ 85710 – (520) 296-7881
- American Family Insurance – Marla Avina Agency Inc.
1101 S Sherwood Village Dr – Tucson, AZ 85710 – (520) 546-8877