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Key Takeaways

  • Car insurance in Tucson costs you $1,533 annually.
  • With an annual average rate of $1,239, USAA offers the most affordable car insurance in Tucson.
  • Arizona's minimum liability car insurance requirements mandate $25,000 per person/$50,000 per accident in bodily injury liability, and $15,000 in property damage liability.
  • The auto theft rate in Tucson is much higher than the state average.

Tucson Car Insurance

When it comes to car insurance, what makes Arizona stand out? It is the state with the 10th-lowest average cost of auto insurance in the country. However, that doesn't mean all the cities in the state offer low-cost auto insurance policies. Are you a resident of Tucson? Are you planning to buy auto insurance in Tucson?

With more than a population of 500,000, Tucson is the second-largest city in the state. So, the roads can be busy most of the time. Since the state is an at-fault state, it is a must for any driver to have car insurance in Tucson. The real challenge, though, will be finding cheap car insurance in the city.

You need to research thoroughly, find the insurers in the city, compare their quotes and buy. So, how much does car insurance in Tucson cost? Which companies provide cheap car insurance in Tucson, AZ? How can you lower the rate of car insurance in Tucson, AZ? Our review will give you a detailed understanding of auto insurance in Tucson and the insurers!

Are you new to Arizona? Get a free Arizona auto insurance quote today!

How Much Does Car Insurance Cost in Tucson?

A driver must pay around $1,533 to buy car insurance in Tucson. Fortunately, this insurance cost is lower than the state and national averages. For example, Arizona auto insurance costs an annual average of around $1,587.

Tucson (annual average) Arizona (annual average) United States(annual average)
$1,533 $1,587 $1,557

Are you still looking for cheap car insurance in Tucson? Then you have to get quotes from various insurance companies in the city, compare, and buy the one with the lowest price. Our auto insurance review of Tucson, AZ, includes average rates based on a driver's age, gender, driving record, credit score, marital status, and ZIP Code. Continue reading to know more!

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Tucson Auto Insurance Premiums by Company

The insurer you choose for your car's auto insurance plays a crucial role in determining the rate of car insurance in Tucson. With a yearly average rate of $1,239, USAA offers the most affordable auto insurance in Tucson. If you don't qualify for USAA, American Family is your next viable option. The insurer offers car insurance at a yearly average rate of $1,568.

Car insurance company Average Annual Rate
USAA $1,239
American Family $1,568
State Farm $1,627
Progressive $1,629

Finding the insurer that provides you with the cheapest car insurance in Tucson is the ideal way to decrease the premiums. Get quotes from multiple insurance companies, compare the rates and discounts, and buy the one with the lowest cost.

Tucson Auto Insurance Premiums by Age Group

Like in many cities, teenagers are the ones who pay the highest for buying car insurance in Tucson. They pay a yearly average of $6,277. Car insurance for drivers in their 50s costs an average of $1,353 per year in Tucson, making them the age group with the lowest rates. Drivers in their 60s pay an average annual rate of $1,407.

When drivers in Tucson reach their 20s, their insurance costs significantly decrease. For instance, there is a $4,229 difference in the insurance cost paid by young drivers and those in their 20s.

Age Average Annual Rate
Teens $6,277
20s $2,048
30s $1,500
40s $1,451
50s $1,353
60s $1,407
70s $1,785

How can age decrease the cost of car insurance in Tucson, AZ? The only way is by getting out of your teens. Or else you need to ask your insurer for their various discounts. Then, use all the discounts you qualify for and reduce your cost of car insurance in Tucson.

Tucson Auto Insurance Premiums by Marital Status/Gender

In many cases, factors like marital status and gender affect the cost of auto insurance. For example, with an average annual rate of $1,548, female drivers pay more for car insurance in Tucson than male drivers. It is $128 less than what single drivers pay. However, like in most cities, single drivers in Tucson pay higher insurance costs than married drivers.

Single drivers pay $1,533 yearly for car insurance in Tucson, AZ. So why do single drivers pay more premiums? Most insurers see single drivers as high-risk drivers and are likely to file more claims. With a yearly average of $1,465, widowed drivers pay less than single drivers in the city.

Gender/Marital Status Average Annual Rate
Male $1,533
Female $1.548
Single $1,533
Married $1,405
Widowed $1,465
Divorced $1,533

Tucson Auto Insurance Premiums by Driving Record

No matter where you live, avoiding collisions and tickets is the easiest method to keep your car insurance rates low. Unfortunately, DUI/DWI, reckless driving violations, at-fault accidents, and speeding tickets can all increase the cost of car insurance in Tucson. For example, DUI/DWI violation surges your auto insurance rate to $2,313 a year. It is $780 more than the average city rate.

Expect to pay an average annual rate of $2,189 if you've got a reckless driving citation on your driving record. It is $656 greater than Tucson's average car insurance rate. Do you want to keep your auto insurance rates low? Then, always try to keep a clean driving record.

Offense Average Annual Rate
Reckless Driving $2,189
DUI/DWI $2,313
Speeding Ticket $1,939
At-Fault Accident (damages < $,1000) $1,950
At-Fault Accident (damages > $2,000) $2,229

Tucson Auto Insurance Premiums by Credit Rating

Can credit score affect your cost of car insurance in Tucson, AZ? Yes, for sure! You need to pay lower auto insurance costs with a good credit score. For example, a driver with a 'Very Poor' credit score must pay an insurance cost of $3,473 in Tucson. This rate is $1,940 more than the average city rate.

Insurance costs will decrease significantly if you move to the 'Fair' category. Drivers in this category must pay $1,876 yearly for their car insurance policy, reducing the insurance cost by $1,597. Drivers in the 'Very Good' category pay a yearly average of $1,384, which is $149 less than the average city rate. So, keep improving your credit score if you want to pay a lower car insurance rate in Tucson.

Credit Rating Average Annual Rate
Very Poor $3,473
Fair $1,876
Good $1,533
Very Good $1,384
Exceptional $1,229

Tucson Auto Insurance Premiums by ZIP Code

Where you live can impact the cost of car insurance in Tucson, AZ. The number of people living there, the number of accidents, and the level of crime are all factors that might increase the cost of auto insurance. In addition, the number of collisions, vehicle thefts, and other occurrences in your ZIP code will be taken into account by insurers when determining rates. Factors like the amount of lighting in your neighborhood and the accessibility of secured parking will also impact the insurance rates.

Here are the rates of some ZIP Codes in Tucson.

ZIP Code Average Annual Rate
85701 $1,540
85706 $1,457
85708 $1,490
85709 $1,540
85710 $1,495
85711 $1,490
85712 $1,505
85714 $1,556
85716 $1,544
85719 $1,485
85721 $1,511
85730 $1,487

Auto insurance in Tucson: Minimum insurance requirement in Arizona

Arizona is a state that is at fault for auto accidents. It means that the injured party and the property damage caused by accident will be covered by the insurer of the driver who was at fault. According to Arizona state law, drivers must have the following minimum levels of liability insurance.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $15,000

It is crucial to have significantly greater liability limits than those mandated by the state to guarantee you remain completely covered if you cause an accident. You will have to pay out of your pocket after an accident because the minimum coverage may not cover the damage to your car. We recommend you consider buying more coverage if you have a new or expensive car.

How to get cheap auto insurance in Tucson, AZ

It isn't essential that comparing quotes from various insurers and buying one will ensure cheap car insurance in Tucson. However, here are some tips that help you get cheap car insurance in Tucson, AZ.

Combine policies: Ask your parents or other family members about combining their policies if you want to reduce your premium. A combined policy will have a higher overall premium, but it will still be less expensive than purchasing separate policies.

Get in touch with multiple insurers: The price differential between the least expensive and most expensive insurers may exceed $10,000. Examine smaller insurers because some may offer more competitive quotes than big firms.

Ask for discounts: The best way to decrease the cost of your car insurance in Tucson is by asking the insurer about the several discounts you can get. Here are some typical discounts that you get in Tucson. Also, ask your provider which discounts might be available to you as they differ per insurers, and you might not be eligible for any of them.

  • Safe-driver discount: Drivers with no accidents on their record are eligible for this discount.
  • Bundling discount: You will get this discount if you purchase your home/renters and car insurance from the same insurer.
  • Military discount: It applies to service members currently on active duty and their families.
  • Multi-car discount: You get this if you insure many vehicles under the same insurer.
  • Low mileage discount: For motorists who commute fewer than 7,500 miles yearly.

Useful Info for Driving In Tucson

Since Tucson is one of the most populated cities in the state, you can expect decent traffic on the roads. Here we provide some tips for driving around the city.

  • In the metropolitan region, there are two Interstates. Interstate 10 travels past Marana, southeast of the city, before heading east into El Paso.
  • Interstate 19 leaves the Interstate-10 south of the city center and heads south to the Mexican border.
  • Arizona State Route 210 connects the city center to Davis-Monthan Air Force Base and Tucson's southeast. However, Tucson relies primarily on surface streets because it lacks a beltway system.

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Auto Theft Statistics in Tucson

Unfortunately, Tucson records many auto theft cases yearly. As a result, the auto theft rate in the city is much higher than the state rate. For instance, in 2019, the auto theft rate in the city was around 410.3 per 100,000 residents. At the same time, the national rate was around 219 per 100,000s residents.

So, always buy an auto insurance policy with comprehensive coverage if you're planning to own a car in Tucson.

Tucson theft rate (per 100,000 persons) United Statestheft rate (per 100,000 persons)
410.3 219

Car Insurance Companies in Tucson, AZ

Are you looking for the best car insurance in Tucson, AZ? The insurance providers in the city claim to give typical coverages at affordable rates. However, with the help of our auto insurance agents in Tucson, you can understand the city's most complicated laws, insurance terms, coverages, and discounts. Contact them if you're looking for affordable car insurance in Tucson.

These are a few of the city's insurers.

Insurers
USAA
American Family
State Farm
Progressive
Nationwide
Allstate
Safeco
Root
Auto-owners
Hartford
Farmers

Driving Conditions in Tucson

  • Driving conditions are fair.
  • Tucson traffic is hard to navigate.
  • On average, there are 52 rainy days per year. Rain averages 12 inches.
  • Snowfall averages 0 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

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