Finding dependable, reasonably-priced insurance is difficult, and figuring out which company offers the cheapest auto insurance rates for veterans will require a bit more work. Every insurance company uses their own method for filing rates in each state, so let’s begin by taking a look at the auto insurance companies with the overall cheapest rates in Arizona.
It’s a good idea to be aware that Tucson auto insurance rates are impacted by many things that control the cost of coverage. Price variation is why it is crucial to compare many different companies to get the cheapest car insurance rates for veterans. Insurance prices are made up of many things and can increase or decrease at any time, so the most economical company three years ago may now be quite expensive.
Lowest Insurance Price Quotes for Vets
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $897 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,225 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,377 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,443 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
| Find Cheaper Rates Go | ||
The Hartford may offer some of the most affordable car insurance rates in Tucson at around $811 a year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the lowest-priced Tucson, AZ car insurance companies.
In this example, if you currently have coverage with USAA and switched to Auto-Owners, you may see a yearly price reduction of upwards of $194. Customers with Progressive might save as much as $267 a year, and GEICO customers might lower prices by up to $280 a year.
These prices are averaged across all drivers and vehicles and and are not calculated with a specific vehicle garaging location for veterans. So the car insurance company that is most affordable for your situation may not even be in the top 28 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The car, truck, or SUV that needs insurance is probably the most important factor when consumers are trying to find cheaper coverage for veterans. Vehicles with average performance, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than fast, unsafe models. The table below features coverage prices for the most economical vehicles to insure in Arizona.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Explorer XLT 4WD | $1,365 |
| Honda CR-V EX-L 2WD | $1,367 |
| Ford Focus SE 4-Dr Sedan | $1,417 |
| Toyota RAV4 Limited 4WD | $1,445 |
| Chevrolet Equinox LT 2WD | $1,451 |
| Ford Escape Limited 4WD | $1,455 |
| Dodge Grand Caravan Crew | $1,472 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,487 |
| Honda Accord EX-L 4-Dr Sedan | $1,489 |
| Hyundai Elantra SE Touring Station Wagon | $1,495 |
| Ford F-150 XL Regular Cab 4WD | $1,494 |
| Toyota Prius | $1,527 |
| Jeep Grand Cherokee SRT-8 4WD | $1,549 |
| GMC Sierra SLT Crew Cab 2WD | $1,558 |
| Ford Fusion Sport 4-Dr Sedan | $1,549 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,558 |
| Toyota Camry LE | $1,582 |
| Ford Edge Limited 2WD | $1,594 |
| Chevrolet Impala LT | $1,629 |
| Honda Civic LX-S 4-Dr Sedan | $1,639 |
| Find Cheaper Rates Go | |
Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Premium amounts do not factor in the specific area where the vehicle is garaged which can lower or raise coverage prices considerably.
Looking at the rates, cars like the Ford Explorer, Honda CR-V, Ford Focus, and Toyota RAV4 are likely to be a few of the cheapest vehicles to insure for veterans.
Do you need full coverage?
Reducing the cost of auto insurance is important to the majority of drivers, and a good way to lower the cost of insurance for veterans is to not pay for full coverage. The chart below illustrates the comparison of auto insurance rates with and without full coverage. The price estimates are based on a clean driving record, no claims, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If averaged for all ages, physical damage insurance costs an extra $1,681 per year over and above liability coverage. Many drivers will wonder if full coverage is worth the money. There is no clear-cut formula to stop paying for full coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some conditions where buying only liability insurance is not recommended. If you still owe money on your vehicle, you are required to maintain full coverage to satisfy the loan requirements. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.
Discount Tucson car insurance
Auto insurance companies that provide coverage for veterans may additionally offer policy discounts that could lower prices by 35% or more if you are eligible for them. A list of companies and a selection of discounts are:
- Travelers offers discounts for continuous insurance, payment discounts, hybrid/electric vehicle, driver training, early quote, and home ownership.
- 21st Century may have discounts that include anti-lock brakes, automatic seat belts, good student, defensive driver, student driver, and early bird.
- State Farm includes discounts for accident-free, driver’s education, defensive driving training, safe vehicle, Steer Clear safe driver discount, and Drive Safe & Save.
- GEICO offers premium reductions for membership and employees, multi-policy, driver training, emergency military deployment, and defensive driver.
- SAFECO may include discounts for anti-theft, teen safety rewards, teen safe driver, bundle discounts, and anti-lock brakes.
- AAA offers discounts including AAA membership discount, multi-policy, education and occupation, anti-theft, and good student.
The diagram below illustrates the difference between premium costs with and without some available policy discounts. The costs are based on a male driver, no violations or accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, multiple vehicle, passive restraint, defensive driving course, marriage, and multiple policy discounts applied. When discounts are factored in, the average savings per year on auto insurance for veterans is 28% or $482.
How accidents and violations affect rates
In a perfect world, the ideal way to earn affordable auto insurance rates in Tucson for veterans is to drive cautiously and have a clean driving record. The information below illustrates how speeding tickets and at-fault fender-benders drive up car insurance costs for different ages of insureds. Data assumes a married male driver, full physical damage coverage, $100 deductibles, and no policy discounts are applied.
In the chart above, the average cost of a car insurance policy per year with no violations or accidents is $1,963. Factor in two speeding tickets and the average cost rises to $2,719, an increase of $756 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of auto insurance for veterans goes up to an average of $3,494. That’s an increase of $1,531, or $128 per month, just for being a less-than-perfect driver!
If you have coverage questions and would like to have a little guidance when shopping around for cheaper insurance for veterans, the agents below are willing to answer your questions and help you decide which auto insurance policy fits you best.
To find an agent close to where you live, click the button below the list or click here to compare price quotes.
Allstate Insurance: Shannon Burke
2860 W Ina Rd Ste 104 – Tucson, AZ 85741 – (520) 742-6683
Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016
Arizona Southern Insurance Agency
6544 E 22nd St – Tucson, AZ 85710 – (520) 747-3900
View map of Tucson, AZ insurance agents
Ideas for finding the cheapest auto insurance for veterans
Here are a few thrifty solutions that can help Arizona drivers get cheap coverage.
- Pay for smaller claims out-of-pocket
- Raise deductibles to save money
- Higher credit ratings may save you money
- Save money by insuring your home and auto with the same company
- Avoid getting tickets or violations
- Remain accident-free and save
- Look for cheaper rates once a year by shopping around
That last piece of advice is highly important, as we discussed in this write-up. Prices charged by auto insurers in Tucson vary greatly, so don’t hesitate to switch carriers if you find a better deal. Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you a wad of cash every year. It only takes a couple minutes to compare prices and find cheaper car insurance for veterans.