The average Tucson driver pays $1,665 per year for full coverage car insurance. Compared to the Arizona state average of $1,600, Tucson residents pay $65 more for the same coverage.
Tucson drivers can save on their car insurance costs by shopping around and comparing rates before buying insurance. policycentral can help you see quotes from top companies and choose the best coverage at the lowest rates.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Tucson, AZ
Insurance companies all use the same information to determine car insurance rates. Your age, marital status, and credit score all impact your rates, but what you’ll pay can vary from company to company.
To ensure you’re getting the lowest rates possible, obtaining quotes from multiple companies is a great place to start.
Company | Average cost | JD Power Rating |
|---|---|---|
Root | $915 | -- |
Auto-Owners Insurance | $1,074 | 865 |
GEICO | $1,082 | 874 |
USAA | $1,299 | 890 |
Travelers | $1,304 | 854 |
Cheapest car insurance rates by ZIP code in Tucson, AZ
Car insurance companies will look at the number of accidents, stolen vehicles, and other incidents in your ZIP code and set rates accordingly. Things like the availability of secured parking and number of streetlights in your neighborhood can impact your rates as well.
ZIP code | Average cost |
|---|---|
85742 | $1,589 |
85736 | $1,612 |
85721 | $1,634 |
85748 | $1,642 |
85711 | $1,646 |
85747 | $1,648 |
85715 | $1,650 |
85735 | $1,655 |
85756 | $1,657 |
85719 | $1,658 |
Choosing the right car insurance company in Tucson, AZ
The truth is, there’s no one best company for every driver. The only way to be sure you’re picking the right car insurance company is to consider plenty of options before buying.
policycentral can help you see quotes from top car insurance companies, so you can choose the coverage that’s right for you.
Car insurance rates for drivers with driving violations in Tucson, AZ
While a single speeding ticket might not seem like a big deal, too many tickets in a short time can have a major impact on your car insurance rates and more serious violations or accidents can mean paying a lot more for car insurance.
Violation | Root | Auto-Owners Insurance | GEICO | USAA | Travelers |
|---|---|---|---|---|---|
At-fault accident | $1,108 | $1,542 | $1,713 | $2,041 | $1,884 |
DUI | $969 | $1,981 | $2,188 | $3,287 | $2,068 |
Suspended license | $1,126 | $1,981 | $2,188 | $3,140 | $2,068 |
Open container | $950 | $1,981 | $2,188 | $1,912 | $1,782 |
Expired registration | $1,050 | $1,104 | $1,224 | $2,071 | $1,782 |
Driving without lights | $884 | $1,104 | $1,224 | $1,799 | $1,782 |
Running a red light | $1,090 | $1,104 | $1,224 | $1,799 | $1,782 |
Following too closely | $1,090 | $1,104 | $1,224 | $1,799 | $1,782 |
Hit and run | $1,126 | $1,981 | $2,188 | $3,421 | $2,068 |
Not-at-fault accident | $884 | $1,104 | $1,007 | $1,396 | $1,403 |
Passing a school bus | $1,090 | $1,104 | $1,224 | $2,160 | $2,068 |
Reckless driving | $1,086 | $1,981 | $2,188 | $1,912 | $2,068 |
Speeding | $1,065 | $1,981 | $2,188 | $1,799 | $2,068 |
Cheapest car insurance for drivers with a DUI in Tucson, AZ
Company | Rates for drivers with DUIs |
|---|---|
Root | $969 |
Auto-Owners Insurance | $1,981 |
Travelers | $2,068 |
GEICO | $2,188 |
USAA | $3,287 |
Cheapest car insurance for drivers with a speeding ticket in Tucson, AZ
Company | Rates for drivers with speeding tickets |
|---|---|
Root | $1,065 |
USAA | $1,799 |
Auto-Owners Insurance | $1,981 |
Travelers | $2,068 |
GEICO | $2,188 |
Cheapest car insurance for drivers with bad credit in Tucson, AZ
A bad credit score often indicates to insurers that you’re more likely to file an insurance claim, which means paying more for car insurance. Tucson drivers with poor credit should take extra time to shop around in order to find their most affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
Root | $1,121 |
GEICO | $1,548 |
Travelers | $2,172 |
Farm Bureau | $2,257 |
Nationwide | $2,351 |
Buying car insurance in Tucson, AZ
Arizona state law mandates drivers must carry the following minimum amounts of liability insurance:
Bodily Injury Liability Coverage Per Person: $25,000
Bodily Injury Liability Coverage Per Accident: $50,000
Property Damage Liability Coverage: $15,000
Arizona is an at fault state when it comes to car accidents. This means that the insurance company of the driver at fault in an accident will pay for the other party’s injuries and damage. That’s why it’s important to have much higher liability limits than are required by the state, to ensure you’re fully covered in case you cause an accident.
How to get cheap car insurance in Tucson, AZ
Car insurance discounts are one of the best ways to make sure you’re getting a good deal on car insurance. Some of the most common car insurance discounts are:
Safe-driver discount: For drivers who have no accidents on their claims history
Bundling discount: For getting your auto and home or renters insurance from the same company
Military discount: For active-duty service members and their families
Multi-car discount: For insuring multiple cars on the same policy
Low mileage discount: For drivers who commute less than 7,500 miles annually
Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider which ones may apply to you.
Frequently asked questions
Who has the lowest car insurance rates in Tucson?
According to our analysis, Root has the lowest insurance rates in Tucson, at an average rate of $915 per year for full coverage.
Is Arizona a no-fault state or an at-fault state?
Arizona is an at-fault state. This means that the insurance of the driver who is at-fault for an accident will pay for the other party’s medical bills or repair costs.
I got a speeding ticket, will my insurance go up?
Your insurance can go up after a single speeding ticket, sometimes by a lot. If you’re a Tucson driver insured with GEICO, a single speeding ticket can increase your rates by more than $700 per year.
How much is insurance per month in Arizona?
The average car insurance rate in Arizona is $1,600 per year, which breaks down to $133 per month.
