The words “low-cost” and “auto insurance” really shouldn’t be used together, specifically when you are trying to find the cheapest coverage after a speeding ticket. Because it’s not cheap, let’s learn about some things that impact auto insurance prices, and find out if you can reduce the price of your next policy.
One of the more important factors that help determine the price you pay for insurance is the neighborhood you call home. Regions with larger populations or more claims tend to have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The following table ranks the highest-priced places in Arizona after a speeding ticket in which to buy car insurance. Tucson comes in at #15 with an annual cost of $1,072 for the average policy, which is approximately $89 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,214 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Buckeye | $1,156 |
| 6 | Tempe | $1,152 |
| 7 | Gilbert | $1,142 |
| 8 | Peoria | $1,126 |
| 9 | Mesa | $1,125 |
| 10 | Scottsdale | $1,117 |
| 11 | Maricopa | $1,107 |
| 12 | Goodyear | $1,087 |
| 13 | Chandler | $1,082 |
| 14 | Surprise | $1,080 |
| 15 | Tucson | $1,072 |
| 16 | Oro Valley | $1,051 |
| 17 | Casas Adobes | $1,050 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casa Grande | $1,047 |
| 20 | Flagstaff | $960 |
| 21 | Yuma | $954 |
| 22 | Prescott | $942 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $844 |
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Rate information is approximated as the specific garaging location can revise premium rates significantly.
The car, truck, or SUV driven is a significant factor when shopping for cheaper auto insurance after a speeding ticket. Vehicles with higher performance, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models.
The list below shows coverage prices for the most affordable vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLT 4WD | $2,019 |
| Honda CR-V LX 4WD | $2,078 |
| Ford Focus SE 4-Dr Sedan | $2,084 |
| Toyota Camry LE | $2,119 |
| Chevrolet Impala LT | $2,124 |
| Toyota Prius | $2,192 |
| Ford F-150 FX2 Super Cab 2WD | $2,213 |
| Ford Explorer XLT 4WD | $2,218 |
| Honda Odyssey EX-L W/Rear Entertainment | $2,235 |
| Toyota Corolla XRS | $2,276 |
| Toyota Tacoma Double Cab 4WD | $2,340 |
| Honda Civic SI 4-Dr Sedan | $2,352 |
| Chevrolet Silverado 3500HD LTZ Crew Cab 2WD | $2,357 |
| Chevrolet Malibu LT | $2,385 |
| Ford Edge SEL 2WD | $2,413 |
| Chevrolet Silverado LT Crew Cab 2WD | $2,428 |
| Honda Accord EX-L 2-Dr Coupe | $2,437 |
| Toyota RAV4 4WD | $2,461 |
| Dodge Grand Caravan Hero | $2,471 |
| Volkswagen Jetta LE 4-Dr Sedan | $2,461 |
| Nissan Altima 2.5 S 4-Dr Sedan | $2,467 |
| Kia Optima LX | $2,505 |
| Jeep Grand Cherokee Limited 4WD | $2,512 |
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Data rating is based on single female driver age 50, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, and multi-vehicle. Information does not factor in vehicle location which can influence premium rates considerably.
Based upon the rates shown, we can assume that models like the Ford Escape, Honda CR-V, Ford Focus, and Toyota Camry are likely to be the most economical vehicles to insure after a few driving violations.
Get discounts on Tucson auto insurance rates
Insurers that provide coverage after a speeding ticket may also offer price discounts that can reduce rates by as much as 30% if you qualify. Large auto insurance companies and a selection of discounts are detailed below.
- American Family policyholders can earn discounts including multi-vehicle, air bags, early bird, Steer into Savings, good student, defensive driver, and TimeAway discount.
- State Farm has discounts for accident-free, Steer Clear safe driver discount, student away at school, passive restraint, Drive Safe & Save, and good driver.
- 21st Century includes discounts for early bird, teen driver, anti-lock brakes, driver training, student driver, and 55 and older.
- Travelers offers discounts including new car, IntelliDrive, early quote, hybrid/electric vehicle, and payment discounts.
- GEICO offers premium reductions for anti-lock brakes, multi-policy, good student, multi-vehicle, federal employee, daytime running lights, and seat belt use.
The illustration below shows the difference between car insurance rates with and without discounts applied to the premium. The premium estimates are based on a male driver, no accidents and three citations, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with continuous coverage, homeowner, anti-theft, paperless filing, vehicle safety, and marriage discounts applied. When discounts are factored in, theaverage yearly reduction on auto insurance after a speeding ticket is 28% or $732.
Insuring your vehicle with a highly-rated insurance provider can be rather challenging considering how many companies are available to choose from in Tucson. The company information listed below could help you analyze which car insurance providers you want to consider purchasing coverage from. The ratings below only include companies who write in the majority of U.S. states, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurance Providers Overall in Tucson
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Cost comparison with and without full coverage
Paying less for auto insurance is the goal of the majority of people, and one way to lower the cost of insurance after a speeding ticket is to not buy comprehensive and collision coverage. The information below illustrates the difference between car insurance costs when comparing full coverage to liability only. The data assumes no violations or claims, $500 deductibles, single status, and no policy discounts are applied.
Averaged out for all age groups, full coverage costs $1,919 per year more than just insuring for liability. Many drivers may wonder if physical damage coverage is worth the money. There is no exact rule of when to eliminate physical damage coverage, but there is a guideline you can use. If the yearly cost of full coverage is 10% or more of the settlement you would receive from your company, then you might want to think about dropping full coverage.
For example, let’s assume your vehicle’s replacement cost is $5,000 and you have $1,000 deductibles. If your vehicle is totaled, you would only receive $4,000 after paying your deductible. If you are paying over $400 annually for your policy with full coverage, then you might want to think about dropping full coverage.