Cheapest Car Insurance Quotes in South Tucson

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South Tucson Car Insurance

^$ 46

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Tucson

The car insurance rate in South Tucson is $1170 for a six-month policy, which is $153 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in South Tucson can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Tucson

$1170

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in South Tucson

1st place: Root Insurance Company

At $539 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $711 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in South Tucson.

South Tucson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Tucson, AZ is Root Insurance Company, offering policies at just $539 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $711.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1250 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Tucson drivers find the best deals.

Cheap Car Insurance Companies in South Tucson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$539	$92
Auto-Owners Insurance Co	$711	$118
Farmers	$744	$126
Mercury	$765	$128
Hartford	$799	$136
Iowa Farm Bureau	$806	$135
Travelers	$950	$160
USAA	$1113	$187
Progressive	$1127	$190
State Farm	$1148	$193
Auto-Owners	$1291	$217
Farm Bureau	$1673	$279
Allstate	$1742	$293
The Hartford	$1742	$293
CSAA	$2323	$394
Nationwide	$1250	$208

Key Takeaways

Way's key takeaways about car insurance in South Tucson

The auto insurance costs in South Tucson fall around $539 for six months.
The cheapest auto insurance company in South Tucson is Mercury.
Teen drivers pay the highest rate in South Tucson at $1011 per month.

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Cheapest Minimum Liability Car Insurance in South Tucson

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Tucson are given below.

Mercury provides the cheapest minimum car insurance coverage in South Tucson. Their Average 6 Month Premium is $274. The Hartford is the most expensive at $704 for the same period.

Cheapest Liability Coverage in South Tucson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$274	$46
Auto-Owners Insurance Co	$355	$61
Travelers	$355	$60
Country Financial	$362	$62
Root Insurance Company	$369	$61
USAA	$376	$63
Farmers	$390	$64
Auto-Owners	$409	$69
Iowa Farm Bureau	$409	$68
State Farm	$451	$76
Progressive	$465	$78
Allstate	$588	$99
Farm Bureau	$635	$106
The Hartford	$704	$120

Cheapest Full Coverage Car Insurance in South Tucson

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Tucson is Root Insurance Company at $92 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Tucson, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$539	$92
Auto-Owners Insurance Co	$711	$118
Farmers	$744	$126
Mercury	$765	$128
Hartford	$799	$136
Iowa Farm Bureau	$806	$135
Travelers	$950	$160
USAA	$1113	$187
Progressive	$1127	$190
State Farm	$1148	$193
Auto-Owners	$1291	$217
Farm Bureau	$1673	$279
Allstate	$1742	$293
The Hartford	$1742	$293
CSAA	$2323	$394
Nationwide	$1250	$208

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Average Car Insurance in South Tucson by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Tucson, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in South Tucson, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Tucson's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Tucson

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in South Tucson,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the South Tucson at $55 per month. At $6066 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$55
Root Insurance Company	$376	$64
Country Financial	$423	$70
Farmers	$478	$82
Auto-Owners Insurance Co	$485	$81
Iowa Farm Bureau	$506	$86
Travelers	$1387	$233
USAA	$1640	$276
State Farm	$1708	$288
Progressive	$2651	$446
Allstate	$2828	$476
Farm Bureau	$4331	$736
Auto-Owners	$4365	$728
The Hartford	$5533	$941
CSAA	$6066	$1011

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Tucson, Mercury is the cheapest car insurance provider. At $314 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Tucson is State Farm, offering rates of around $7883 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Root Insurance Company	$471	$81
Country Financial	$506	$84
Farmers	$567	$97
Nationwide	$581	$97
Iowa Farm Bureau	$738	$125
Hartford	$751	$125
Progressive	$1189	$200
Travelers	$1216	$205
Allstate	$2240	$377
USAA	$2247	$375
Farm Bureau	$2890	$491
The Hartford	$3573	$596
Auto-Owners	$4296	$730
State Farm	$7883	$1313

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Car Insurance Rates with An Accident in South Tucson

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Tucson, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Tucson

The cheapest car insurance companies after an at-fault accident in South Tucson include Root Insurance Company and Country Financial, offering $465 and $471, respectively. CSAA is an expensive provider with an average six-month premium of $3771.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$465	$77
Country Financial	$471	$81
Auto-Owners Insurance Co	$553	$92
Noblr	$779	$132
Travelers	$813	$137
Root	$848	$144
State Farm	$867	$146
General Casualty	$1059	$181
USAA	$1086	$183
Progressive	$1243	$209
Farmers	$1564	$263
Mercury	$1626	$274
Farm Bureau Mutual (IA Group)	$1680	$281
Auto-Owners	$1810	$305
Metromile	$1912	$319
General Agents Group	$2152	$366
Country	$2275	$379
Encompass	$2473	$421
Allstate	$2500	$421
Nationwide	$2658	$452
The Hartford	$2705	$455
Safeway	$3026	$514
Farm Bureau	$3197	$532
Permanent General	$3272	$557
MetLife	$3729	$622
CSAA	$3771	$642

South Tucson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Tucson AZ. For example, the car insurance in South Tucson after a DUI increases to $1386 for a six month policy. While the rate increases by $280 for a six-month policy in the case of a speeding ticket.

South Tucson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1346	$224
One Med/PIP claim	$1346	$229
Not-at-fault accident	$1352	$225
One comp claim	$1408	$239
Two Med/PIP claims	$1408	$235
Two comp claims	$1462	$248
Failure to wear a seat belt	$1538	$256
Child safety restraint	$1598	$271
Driving without lights	$1598	$267
Failure to show documents	$1598	$271
Speeding 6 - 10 MPH over limit	$1626	$271
Driving too slowly	$1687	$286
Speeding 11 - 15 MPH over limit	$1687	$282
Speeding in school zone	$1687	$286
Driving with expired registration	$1701	$284
Speeding 16 - 20 MPH over limit	$1701	$289
Cell phone violation	$1708	$285
Failure to stop at a red light	$1708	$291
Failure to yield	$1708	$285
Following too closely	$1708	$291
Illegal turn	$1708	$285
Texting while driving	$1708	$291
Wrong way/wrong lane	$1708	$285
Improper passing	$1735	$296
Speeding 21 - 25 MPH over limit	$1756	$292
In 65 MPH zone	$1782	$304
Passing school bus	$1803	$300
At-fault accident - less than $1000	$1851	$315
Operating a vehicle without permission	$1947	$324
At-fault accident - $1000-$2000	$2001	$340
At-fault accident - greater than $2000	$2029	$338
Open container	$2131	$362
Reckless driving	$2363	$394
Driving with a suspended license	$2439	$415
DUI	$2732	$455
Refusal to submit to a chemical test	$2732	$465
Racing	$2793	$466
Leaving scene of an accident/hit and run	$2807	$477

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Tucson after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Tucson.

The cheapest car insurance premiums in South Tucson are offered by Mercury at $362 for a six-month policy. However, it can be as expensive as $4064 with companies like Farm Bureau.

South Tucson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$362	$60
Root Insurance Company	$409	$70
Country Financial	$513	$85
Hartford	$642	$109
Progressive	$860	$145
Travelers	$957	$161
Farmers	$1032	$174
State Farm	$1175	$198
USAA	$1659	$279
Nationwide	$2056	$350
Auto-Owners	$2705	$451
The Hartford	$2972	$505
Allstate	$3149	$530
Farm Bureau	$4064	$691

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Tucson are offered by AutoOwners Insurance Co at $355. However, it can be as expensive as $3866 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in South Tucson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$355	$61
Mercury	$390	$64
Country Financial	$423	$72
Root Insurance Company	$465	$77
Farmers	$478	$82
State Farm	$922	$155
Travelers	$1025	$173
Progressive	$1032	$174
USAA	$1462	$248
Auto-Owners	$1496	$250
Farm Bureau	$2275	$386
The Hartford	$2589	$431
Allstate	$3866	$658

Car Insurance Price Trends in South Tucson, Arizona

Car insurance rates in South Tucson have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Tucson rose by $241 in January compared to $139 of December. In other words, there has been an increase by $102 when you compare January and December.

The average cost of liability insurance in the South Tucson rose to $72 in January, compared to $62 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in South Tucson?

The car insurance in South Tucson is $46 per month, which is lower than the national average.

What is the cheapest car insurance in South Tucson?

The cheapest car insurance in South Tucson is $92 per month for full coverage.

How much is car insurance in South Tucson for teenagers?

Car insurance for teenagers costs $328 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Tucson?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $197 per month to insure your car in South Tucson.

Is car insurance expensive in South Tucson?

Car insurance can be expensive in South Tucson if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Tucson can be affordable.

What is the best car insurance in South Tucson, AZ?

The best car insurance company in South Tucson AZ is Root Insurance Company, offering $539 for a six-month policy.