The type of vehicle that needs insurance is one of the largest factors when comparing affordable coverage for college graduates. Vehicles with more horsepower, poor safety ratings, or a high likelihood of having liability claims will cost more to insure than safer, lower-performance models.
The next list illustrates insurance rates for the most economical vehicles to insure in Arizona.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,215 |
| Ford Escape XLS 2WD | $1,343 |
| Honda Accord EX-L 4-Dr Sedan | $1,419 |
| Toyota Corolla XLE | $1,485 |
| Toyota Prius | $1,488 |
| Nissan Rogue SL 2WD | $1,510 |
| Ford Focus S 4-Dr Sedan | $1,515 |
| Ford Explorer XLT 2WD | $1,523 |
| Ford F-150 XL Regular Cab 4WD | $1,515 |
| Jeep Wrangler Unlimited Sahara 4WD 4-Dr | $1,524 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,532 |
| Dodge Grand Caravan Hero | $1,544 |
| Chevrolet Malibu LS | $1,550 |
| Honda Odyssey EX W/Rear Entertainment | $1,552 |
| Ford Edge SEL 2WD | $1,559 |
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Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate information does not factor in zip code location which can decrease or increase prices substantially.
Based upon the rates shown, you can conclude that makes and models like the Honda CR-V, Ford Escape, and Honda Accord are going to be some of the cheapest vehicles to insure for college grads.
One of the more important components that are looked at to help calculate auto insurance rates is where your car is garaged. Cities with larger populations or higher claim trends will most likely pay more, whereas less populated areas get the luxury of paying less.
The table below sorts the priciest cities in Arizona for college graduates to buy an auto insurance policy in. Tucson makes the list at #16 with the yearly price of $1,072 for car insurance, which is around $89 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,174 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Tempe | $1,152 |
| 7 | Gilbert | $1,142 |
| 8 | Peoria | $1,137 |
| 9 | Chandler | $1,126 |
| 10 | Buckeye | $1,122 |
| 11 | Goodyear | $1,120 |
| 12 | Mesa | $1,113 |
| 13 | Surprise | $1,090 |
| 14 | Maricopa | $1,074 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Casa Grande | $1,047 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $954 |
| 21 | Flagstaff | $941 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $844 |
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Rate information is comparative as zip code location can alter price quotes noticeably.
Finding out which companies offer the cheapest auto insurance rates for college graduates will take more work than just quoting one company’s rates.
Every auto insurer has a different process to set their prices, so let’s rank the auto insurance companies that tend to be cheaper in Tucson. It’s a good idea to know that Tucson auto insurance rates are calculated based on many things that can increase the price you pay for coverage. Simply improving your credit, becoming a homeowner, or getting caught speeding can trigger rate changes that may make certain companies more affordable than the competition.
Cheapest Insurance Rates for Grads
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $923 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,152 |
| 8 | CSAA | $1,213 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,420 |
| 17 | Titan | $1,433 |
| 18 | Amica | $1,473 |
| 19 | California Casualty | $1,552 |
| 20 | Safeway | $1,554 |
| Find Cheaper Rates Go | ||
The Hartford quotes some of the lowest car insurance rates in Tucson at around $820 each year. Auto-Owners, Safeco, USAA, and Travelers would also be considered some of the cheaper Tucson, AZ car insurance companies.
In the rate table above, if you currently buy coverage from USAA and switched to Auto-Owners, you might see savings of in the neighborhood of $165. Arizona drivers with Travelers might save as much as $171 a year, and GEICO customers might lower prices by $227 a year.
To find the cheapest coverage for you, click here to start your free quote or quote prices from the following companies.
Understand that those policy prices are averages for all types of drivers and the different vehicles they drive and do not factor in a specific location for college graduates. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That points out the importance of why you need to quote rates from as many companies as possible using your own driver information and specific vehicle type.
Finding the best insurer is hard considering how many companies provide coverage in Arizona. The information listed below could help you analyze which insurers you want to consider shopping prices with. The rankings below include large nationwide companies, so companies that focus mainly on Arizona business will not be included in these rankings.
Top 10 Large Auto Insurers in Tucson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Large Auto Insurers 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%
Types of discounts on Tucson insurance
Insurance companies that provide policies for college graduates may also provide price discounts that may potentially lower prices by as much as 30% if you are eligible for them. Larger auto insurance companies and some of the premium reductions they offer are outlined below.
- State Farm has savings for accident-free, passive restraint, defensive driving training, Steer Clear safe driver discount, Drive Safe & Save, and driver’s education.
- Farmers Insurance has discounts for switch companies, mature driver, early shopping, electronic funds transfer, homeowner, and good student.
- Progressive includes discounts for multi-policy, good student, multi-vehicle, homeowner, online quote discount, and online signing.
- GEICO may include discounts for good student, five-year accident-free, air bags, membership and employees, and anti-theft.
- Auto-Owners Insurance may have discounts that include safe vehicle, good student, safe driver, multi-policy, and group or association.
- The Hartford offers discounts for air bag, driver training, vehicle fuel type, anti-theft, bundle, and good student.
- Farm Bureau policyholders can earn discounts including safe driver, good student, multi-policy, renewal discount, and 55 and retired.
- USAA may offer discounts for vehicle storage, family discount, annual mileage, defensive driver, good student, multi-vehicle, and multi-policy.
The information below illustrates the comparison of car insurance rates with and without discounts applied to the policy rates. Data assumes a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with homeowner, anti-theft, accident-free, defensive driving course, safe-driver, and vehicle safety discounts applied. In this example, theaverage yearly reduction on auto insurance for college graduates is 27% or $498.
How to find budget-friendly car insurance for college graduates
The list below summarizes some penny-pinching ideas that can help you find lower-cost car insurance.
- Drop full coverage on older vehicles
- The safer your car, the less it costs to insure
- Do not get into accidents
- Higher credit scores can equal lower rates
- You will pay more if you get tickets or have at-fault accidents
- Raise physical damage deductibles
- Compare price quotes at least once a year
The final tip is highly significant, as was stressed in the prior information. Prices charged by auto insurers in Tucson change frequently, so don’t hesitate to buy from a different company if you find a better deal.
Brand loyalty is great, but it isn’t a good idea if that loyalty results in overpaying big bucks every year. It only take a few minutes to compare rates to find cheaper car insurance for college graduates.