Tucson, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Tucson, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Top car insurance companies in Tucson, Arizona, show a wide variation in premium rates
Zimlon’s analysis of the top five car insurance companies by market share showed that in 3 out of 5 segments analyzed, Travelers Property Casualty Insurance Company has lower than median car insurance rates. For this analysis, Zimlon picked the top five auto insurance companies based on the 2016 NAIC report: Travelers Property Casualty Insurance Company, Safeco Insurance Company of America, Farmers Insurance Company, Federal Insurance Company, and RLI Insurance Company.
A comparative study of their policies disclosed that the cheapest premium rate compared to the median is offered by RLI Insurance Company. For a family with a 17-year-old son, the deviation from the median is as much as $1,110. The second on the list is Travelers Property Casualty Insurance Company, which offers a premium that differs by $369 from the median for 18-year-old unmarried women with a clean driving record in the last 3 years. The coverage type chosen for this analysis is a combined single limit of $300,000 or split limits of $100,000, bodily injury liability of $300,000, and property damage liability of $50,000.
Travelers Property Casualty Insurance Company: For a 42-year-old married couple with one at-fault accident in the last 3 years, this company charges a premium that is $245 higher than the median. The cheapest premium it offers is for 18-year-old unmarried women with a clean record in the last 3 years, which is $369 less than the median.
Safeco Insurance Company of America: For 18-year-old unmarried women with a clean driving record in the last 3 years, this company charges a premium with the highest deviation from the median, that is, $2,143. The premium that is closest to the median is for 81-year-old single women with a clean driving record in the last 3 years, with a difference of only $123.
Farmers Insurance Company of Arizona: This company tends to offer the most expensive premium for 18-year-old unmarried women with a clean driving record in the last 3 years, which is $1,942 more than the median. In contrast, Farmers Insurance Company of Arizona offers the cheapest premium for a 42-year-old married driver with one at-fault accident in the last 3 years, with a premium rate at $162 less than the median.
Federal Insurance Company: This company offers the most expensive premium for a family with a 17-year-old son, which is $752 more than the median value. It offers the cheapest premiums for 18-year-old unmarried women with a clean record, which is $271 less than the median.
RLI Insurance Company: Among the five car insurance companies analyzed, this company is the only one that offers a premium cheaper than the median for all types of drivers and backgrounds. The cheapest, as mentioned above, is for a family with a 17-year-old son. The second driver type in the list would be 18-year-old unmarried women with a clean record, for whom the premium is $760 less than the median.
The following chart compares the car insurance premium rates for top market share companies of Tucson, Arizona.
The following table compares the car insurance premium rates of the top market share companies with the median premium rates, for Baltimore County, Maryland.
| Cohort | Median Car Insurance Rates | Travelers Property Casualty Insurance Company | Safeco Insurance Company of America | Farmers Insurance Company of Arizona | Federal Insurance Company | RLI Insurance Company |
|---|---|---|---|---|---|---|
| 18-year-old Unmarried Man with a Clean Driving Record in the Last 3 Years | $2,952 | $112 less than the median | $2,143 more than the median | $1,819 more than the median | $225 less than the median | $760 less than the median |
| 18-year-old Unmarried Woman with a Clean Driving Record in the Last 3 Years | $2,682 | $369 less than the median | $1,979 more than the median | $1,942 more than the median | $271 less than the median | $714 less than the median |
| 42-year-old Married Couple with a Clean Driving Record in the Last 3 Years | $1,512 | $98 more than the median | $240 more than the median | $404 more than the median | $679 more than the median | $221 less than the median |
| 42-year-old Married Couple with One At-Fault Accident in the Last 3 Years | $2,011 | $245 more than the median | $1,772 more than the median | $162 less than the median | $734 more than the median | $538 less than the median |
| 81-year-old Single Female with a Clean Driving Record in the Last 3 Years | $1,158 | $38 less than the median | $123 less than the median | $128 less than the median | $103 less than the median | $548 less than the median |
| 41-year-old Unmarried Woman with a Clean Driving Record in the Last 3 Years | $875 | $114 less than the median | $218 more than the median | $241 more than the median | $100 more than the median | $318 less than the median |
| Family with a 17-year-old Son | $2,597 | $513 more than the median | $1,753 more than the median | $881 more than the median | $752 more than the median | $1,110 less than the median |
Factors that can influence the cost of car insurance in Tucson, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Tucson, AZ Auto Insurance Rates
- Tucson, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Tucson, AZ
- Multi Vehicle Insurance Savings in Tucson, AZ
- How Credit Score Affects Car Insurance Rates in Tucson, AZ
- How DUI Affects Auto Insurance Premiums in Tucson, AZ
- Top Auto Insurance Agents Near Tucson, AZ
- How Driving Violations Affect Auto Insurance Rates in Tucson, AZ
- Tucson, AZ Auto Insurance Discounts on Anti Theft Feature
- Tucson, AZ Auto Insurance Company Reviews
Tucson, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Tucson, AZ with that of other cities in and around Tucson.
| Tucson | Littletown | Rincon Valley | Catalina Foothills | Summit | Vail | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,025 | $1,268 | $1,442 | $1,496 | $1,256 | $1,364 |
Tucson, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Tucson, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Tucson | $1,550 | $1,309 |
| Rincon Valley | $1,886 | $1,593 |
| Littletown | $1,938 | $1,637 |
| Tanque Verde | $1,851 | $1,563 |
| Vail | $2,287 | $1,931 |
| Summit | $1,889 | $1,596 |
| South Tucson | $2,708 | $2,287 |
| Catalina Foothills | $1,039 | $878 |
Tucson, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Tucson, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,326 |
| 20 Years | $1,317 |
| 30 Years | $1,014 |
| 40 Years | $976 |
| 50 Years | $904 |
| 60 Years | $916 |
| 70 Years | $1,067 |
Tucson, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Tucson, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $1,804 | $246 |
| 3 Vehicles | $2,706 | $369 |
| 4 Vehicles | $3,608 | $492 |
Savings on 2 Vehicles bundle:$246
Savings on 3 Vehicles bundle:$369
Savings on 4 Vehicles bundle:$492
Tucson, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tucson, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Tucson | $1,025 | $2,032 |
| Rincon Valley | $1,442 | $2,858 |
| Littletown | $1,268 | $2,514 |
| Tanque Verde | $1,469 | $2,912 |
| Vail | $1,364 | $2,704 |
| Summit | $1,256 | $2,490 |
| South Tucson | $1,264 | $2,506 |
| Catalina Foothills | $1,496 | $2,965 |
Tucson, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $879 |
| Excellent (740-799) | $1,004 |
| Good (670-739) | $1,068 |
| Average (580-669) | $1,393 |
| Poor (300-579) | $1,672 |
Tucson, AZ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Halvorson Insurance Inc | Travelers | 6131 E Grant Rd, Tucson, 85712 | None |
| Dave Noel | State Farm | 7231 E Golf Links Rd, Tucson, 85730-1114 | 520-747-7777 |
| Damon Yturralde | Liberty Mutual | 333 North Wilmot Rd. Suite 100, Tucson, 85711 | 1-520-745-1661 |
| Kim Koonce | Liberty Mutual | 333 North Wilmot Rd. Suite 100, Tucson, 85711 | 1-520-745-1661 |
| Jason Costell | Liberty Mutual | 333 North Wilmot Rd. Suite 100, Tucson, 85711 | 1-520-745-1661 |
| Steven Cooper | Allstate | 8919 E Golf Links Rd, Tucson, 85730 | (520) 882-9001 |
| Robert Bob Stenquist | Farmers | 7851 E Wrightstown Rd, Tucson, 85715 | (520) 721-1700 |
| Lloyd Bailey | State Farm | 8925 E Golf Links Rd, Tucson, 85730-1318 | 520-885-6785 |
| Frances Mclean-Kosir | Farmers | 150 S Camino Seco Ste 101, Tucson, 85710 | (520) 296-6143 |
Tucson, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$45 | $1,070 |
| Driver's Failure In Showing Documents | +$99 | $1,124 |
| Driving With An Expired Registration | +$106 | $1,131 |
| Driving At A Considerably Slow Pace | +$222 | $1,247 |
| Using A Cellphone While Driving | +$235 | $1,260 |
| Running A Red Light | +$239 | $1,264 |
| Speeding | +$251 | $1,276 |
| Driving A Vehicle Without The Required Permission | +$319 | $1,344 |
| Driving With An Expired/Suspended License | +$691 | $1,716 |
Tucson, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $984 |
| Active Disabling Device | $984 |
| Tracking Device | $964 |
| Passive Disabling Device | $953 |
Latest Auto Insurance Reviews in Tucson, AZ | Back to Top
UsaaI feel the policy can have better offerings compared to what insurance providers out there has been providing out there.
Aaavery much useful for my home .thevery much useful for my home .then the workers are lso very helpful give to respectan the workers are lso very helpful
ProgressiveProgressive's policy offerings by far exceed my expectations in comparison with other insurance companies. They have the most customizable policy offerings.
GeicoGeico offers the same policy coverage as every other insurance provider, however, they offer it at a much more affordable premium. I felt that the perks offered by other providers' marketing campaigns did not make up for the difference in price that Geico offers.
ProgressiveI have been treated very well by customer service. They have been lightning quick and friendly in all interactions with me.
GeicoIt's cheaper than most and it has the little lizard dude for a masscot. It is what it is and I get what I pay for.
Amica Mutual InsuranceI like that claims managers are acceible by phone and by email, and that the company website allows me to manage my account 24/7.
GeicoGeico offers a range of coverages similar to other companies. In some areas, such as liability coverage, they offer coverages not typically offered by other companies. For example, they offer $300000/ $300000 for liability. I have not seen this coverage at other companies.
GeicoThere is not a whole lot I dislike. They have always been very helpful whenever I called them. Even giving me potential premiums for cars that I was looking at purchasing. Great company to work with.
Amica Mutual InsuranceI'm satisfied with my company on the basis of price. After shopping around for policies, my company offered the same coverage for almost 30% less than competitors.
Farm BureauThey offer low down payment options, as well as extended plan options like the 6 month or 12 month option without going over budget.
UsaaThe policy is great for me, I'm young and don't have as high of a premium as other people with other insurers and I feel that the amount per serving is a fair price.
GeicoGeico is the bare minimum for a cheaper price. They offer higher deductibles4 to keep monthly rate low however, another insurance company will offer better coverage and much better customer service but high prices.
Metromile Auto InsuranceBefore this insurance company I was paying at least $150 a month for my premium. With Metromile I pay $50, then I pay a certain cents per mile.
UsaaWe switched to this company when we moved to the Virgin Islands. We were pleasantly surprised when the premium was significantly lower than we had previously been paying with better coverage.