For high mileage drivers, one of the more important considerations that aid in calculating auto insurance rates is the neighborhood you call home. Areas with more people or higher crime rates tend to have more expensive car insurance rates, whereas areas with less congestion get the luxury of paying less.
The table below rates the priciest cities in Arizona for high mileage drivers to buy auto insurance in. Tucson ranks #12 having an annual price of $1,105 for the average policyholder, which is about $92 each month.
|Rank||City||Average Per Year|
|2||San Tan Valley||$1,196|
|24||Lake Havasu City||$878|
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Premium costs are estimated as the specific garaging location can alter insurance rates noticeably.
The make and model of vehicle on the policy is a significant factor when shopping for the most affordable insurance for high mileage drivers. Vehicles with economical engines, advanced safety features, or a low likelihood of having liability claims will cost less to insure than higher performance models. The data below estimates car insurance premiums for the most economical vehicles to insure.
|Vehicle||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,328|
|Ford F-150 XL Super Cab 4WD||$1,493|
|Honda CR-V LX 2WD||$1,521|
|Honda Accord LX-P 4-Dr Sedan||$1,529|
|Ford Edge SEL AWD||$1,545|
|Chevrolet Impala LS||$1,555|
|Volkswagen Jetta 2.0T Station Wagon||$1,553|
|GMC Sierra SL Extended Cab 2WD||$1,576|
|Dodge Grand Caravan Crew||$1,605|
|Ford Escape Limited 4WD||$1,652|
|Toyota Corolla S||$1,658|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,663|
|Ford Explorer XLT 4WD||$1,707|
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Cost estimates assume 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, claim-free, multi-vehicle, homeowner, and multi-policy. Premium amounts do not factor in Tucson, AZ location which can alter premium rates noticeably.
Based on these rates, we can expect vehicles like the Hyundai Elantra, Ford F-150, Honda CR-V, and Honda Accord are likely to be a few of the most budget-friendly vehicles to insure for high mileage drivers.
Violations and accidents raise rates
The easiest method to maintain cheap insurance prices in Arizona for high mileage drivers is to drive carefully and avoid traffic citations and accidents. The information below shows how speeding tickets and at-fault claims can drive up auto insurance rates for each age group. The price estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.
The data in the chart shows the average cost of a car insurance policy in Tucson per year with no accidents or violations is $1,219. Add in two speeding tickets and the average cost hikes up to $1,729, an increase of $509 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for high mileage drivers goes up to an average of $2,238. That’s an increase of $1,019, or $85 per month, just for not being a responsible driver!
The illustration below demonstrates how deductible levels can affect annual premium costs when quoting cheap insurance for high mileage drivers. The costs are based on a single male driver, comprehensive and collision coverage, and no other discounts are factored in.
A 50-year-old driver could pocket $334 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $502 by choosing a $1,000 deductible. Even younger drivers, such as the 20-year-old example, could shave up to $1,114 or even more by using a higher deductible. When raising deductibles, it is a good idea to have enough in a savings account to offset the extra out-of-pocket expense associated with higher deductibles.
How much more does full coverage cost in Tucson?
Paying less for insurance is important to most vehicle owners, and one easy way to pay less for insurance for high mileage drivers is to not buy comprehensive and collision coverage. The diagram below shows the difference between yearly insurance costs with liability coverage only compared to full coverage. The data is based on no claims, a clean driving record, $1,000 deductibles, single status, and no other discounts are factored in.
If we average the cost for all age groups, physical damage insurance costs $1,263 per year more than just insuring for liability. That brings up the question when is it safe to stop buying full coverage. There is no definitive guideline for dropping physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.
For example, let’s say your vehicle’s settlement value is $9,500 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most your company will settle for is $8,500 after paying your deductible. If you are paying more than $850 annually for your policy with full coverage, then you might want to think about dropping full coverage.
Ideas to find cheaper car insurance for high mileage drivers
Here are a few penny-pinching solutions that can help Arizona drivers locate low-cost auto insurance.
- Avoid speeding and other traffic citations and pay less
- Frequent claims will increase rates
- Bundle home or renters insurance to earn a discount on car insurance
- Drive a car with a high safety rating
- Avoid accidents
- Look for cheaper rates once a year by shopping around
The last tip in the list is extraordinarily crucial, as we noted in this write-up. Prices charged by auto insurers can change considerably in a year, so don’t be tentative to buy from a different company if a lower price can be found. Many drivers tend to have loyalty to a certain company, but is isn’t recommended if that inflexibility results in costing you hundreds of dollars year after year. If you have a few minutes, now is a great time to shop around to find cheaper car insurance for high mileage drivers in Tucson.
The Tucson, AZ, insurance agents below are willing to answer your questions and help you decide which is the best policy, since lots of drivers aren’t clear which coverage they need and would like to get some help when trying to find lower insurance rates for high mileage drivers. It can be complicated to find the best policy yourself, and getting advice from a licensed agent can give you satisfaction knowing you have adequate protection.
To find a Tucson insurance agent near you, click the button at the bottom of the list.
- Charlie Riesgo – State Farm® Insurance Agent
131 S Camino Seco – Tucson, AZ 85710 – (520) 885-7717
- ETNA INSURANCE AGENCY, INC.
3430 N 1st Ave #2 – Tucson, AZ 85719 – (520) 887-4700
- Tucson Insurance Associates
51 W Wetmore Rd #101 – Tucson, AZ 85705 – (520) 396-4727
- Joe Abong – State Farm Insurance Agent
2323 N Swan Rd – Tucson, AZ 85712 – (520) 750-8016