Travelers offers the lowest car insurance rates in Tucson with annual premiums of $573 for minimum coverage and $1,078 for full coverage. Other affordable insurers in the city include GEICO, Auto-Owners and State Farm.
Car Insurance in Tucson
Updated: September 11, 2025
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Key Takeaways
Tucson's cheapest car insurance companies are Travelers, GEICO and Auto-Owners, with rates up to 38% lower than the city average.
Monthly car insurance costs in Tucson average $141 for full coverage and $70 for minimum coverage.
Find the best cheap auto insurance in Tucson by comparing quotes from multiple sources and choosing coverage that fits your needs.
Who Has the Cheapest Car Insurance in Tucson?
| Travelers | $48 | $90 | -38% |
| GEICO | $53 | $116 | -24% |
| Auto-Owners | $57 | $116 | -21% |
| State Farm | $60 | $130 | -14% |
| Progressive | $76 | $125 | -9% |
Have auto insurance questions?Chat with Charlie now.
Compare the Cheapest Tucson Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details. Check the table below to find the cheapest insurance company for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $124 | $1,484 | -42% |
| State Farm | $148 | $1,776 | -31% |
| Progressive | $158 | $1,897 | -26% |
| Auto-Owners | $163 | $1,957 | -24% |
| GEICO | $200 | $2,396 | -7% |
Cheapest Car Insurance by Age Group in Tucson
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Tucson, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Travelers (from $102 per month)
- Cheapest Car Insurance for Adults: Travelers (from $48 per month)
- Cheapest Car Insurance for Seniors: Travelers (from $68 per month)
Cheapest Car Insurance for Young Drivers in Tucson
Travelers and GEICO provide the most affordable car insurance for young drivers in Tucson, with monthly rates starting at $102 and $113 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $102 | $1,229 | -42% |
| GEICO | $113 | $1,361 | -36% |
| Safeway Insurance | $134 | $1,603 | -25% |
| Auto-Owners | $138 | $1,654 | -22% |
| State Farm | $141 | $1,693 | -21% |
Cheapest Car Insurance for Adult Drivers in Tucson
In Tucson, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 35% on average. GEICO and State Farm are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $48 | $573 | -35% |
| GEICO | $53 | $639 | -27% |
| Auto-Owners | $57 | $689 | -21% |
| State Farm | $60 | $720 | -18% |
| Safeway Insurance | $70 | $845 | -4% |
Cheapest Car Insurance for Senior Drivers in Tucson
For seniors in Tucson, Travelers offers the most affordable car insurance rates for both coverage types. Minimum coverage costs $68 per month or $817 annually, while full coverage runs $127 monthly or $1,527 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $68 | $817 | -33% |
| GEICO | $72 | $865 | -30% |
| State Farm | $78 | $933 | -24% |
| Safeway Insurance | $81 | $967 | -21% |
| Auto-Owners | $97 | $1,159 | -6% |
Cheapest Car Insurance for High-Risk Drivers in Tucson
If you're a high-risk driver in Tucson, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: Safeway (from $73 per month)
- Cheapest With a DUI: State Farm (from $64 per month)
- Cheapest With an Accident: Travelers (from $61 per month)
- Cheapest With a Speeding Ticket: Auto-Owners (from $57 per month)
Cheapest Car Insurance for Bad Credit in Tucson
Safeway offers the cheapest car insurance for bad credit drivers in Tucson, with monthly rates starting at $73 for minimum coverage and $136 for full coverage. These affordable rates apply to drivers with clean records looking for either basic liability protection or comprehensive coverage with higher limits.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Safeway Insurance | $73 | $874 | -56% |
| GEICO | $90 | $1,074 | -46% |
| Travelers | $116 | $1,387 | -30% |
| Auto-Owners | $117 | $1,402 | -29% |
| Nationwide | $117 | $1,410 | -29% |
Cheapest Car Insurance With a DUI in Tucson
State Farm and Travelers offer the most affordable car insurance rates for Tucson drivers with a DUI. State Farm's minimum coverage rates are 44% below the city average, while Travelers provides full coverage at 42% below average rates.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $64 | $770 | -44% |
| Travelers | $67 | $801 | -42% |
| Progressive | $92 | $1,101 | -20% |
| Safeway Insurance | $94 | $1,122 | -18% |
| Auto-Owners | $109 | $1,303 | -5% |
Cheapest Car Insurance With an Accident in Tucson
Travelers offers the lowest car insurance rates in Tucson for drivers with an accident, with premiums starting at $63 per month. These rates are below the city average, making it a notably affordable option for drivers with accident history.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $61 | $733 | -42% |
| State Farm | $70 | $837 | -34% |
| Geico | $80 | $960 | -24% |
| Auto Owners | $83 | $995 | -21% |
| Safeway Insurance | $94 | $1,122 | -11% |
Cheapest Car Insurance With a Speeding Ticket in Tucson
Auto-Owners offers Tucson drivers with speeding tickets the most affordable car insurance options. Their minimum liability coverage costs about $57 monthly, while full coverage with higher limits runs around $116 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto Owners | $57 | $689 | -36% |
| Travelers | $59 | $705 | -34% |
| State Farm | $64 | $770 | -28% |
| Geico | $67 | $804 | -25% |
| Safeway Insurance | $72 | $865 | -19% |
Best Car Insurance Companies in Tucson
Tucson's top car insurance companies are Travelers, Auto-Owners, Progressive and GEICO. These providers stand out for their competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 4 |
| Auto-Owners | 93 | 3 | 1 | 5 |
| Progressive | 89 | 5 | 3 | 2 |
| GEICO | 86 | 2 | 6 | 6 |
| State Farm | 85 | 4 | 4 | 6 |
Travelers: Best Overall Value
pros
Wins in most driver categories
Strong customer service ratings
Competitive rates across coverage types
cons
Limited coverage options
Higher rates for older cars
COMPANY HIGHLIGHTS
Travelers ranks first among Tucson car insurance providers, offering rates well below the city average. The company stands out by providing the cheapest rates for six driver categories, including young drivers, seniors, and those with accidents or DUIs. Strong customer service ratings mean easy claims processing and helpful support when you need it most.
Auto-Owners: Best for Customer Service
pros
Top-rated customer experience
Fast claims processing
Competitive rates for older cars
cons
Limited online tools
Fewer coverage options
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot in Tucson with outstanding customer service ratings. The company offers lower-than-average rates and ranks best for drivers with older cars and speeding tickets. Their personal approach to insurance means you'll work directly with local agents who understand your needs, though their digital tools aren't as advanced as some competitors.
How Much Is Car Insurance in Tucson?
In Tucson, minimum coverage costs about $70 per month or $840 per year, ranking 241st out of all Arizona cities for affordability. Full coverage averages $141 monthly or $1,696 annually, ranking 243rd among Arizona cities.
| Full Coverage | $141 | $1,696 |
| Minimum Coverage | $70 | $840 |
Compare Personalized Tucson Car Insurance Costs
While average rates give you a starting point, the table below lets you filter Tucson car insurance costs based on your age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $206 | $2,470 | 6% |
Tucson Car Insurance Costs by ZIP Code
In Tucson, car insurance rates by ZIP code range from $63 to $175 per month. ZIP code 85705 is the most expensive, while 85736 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:85701
| 85701 | $71 | $144 |
How to Get the Best Cheap Tucson Car Insurance
Finding affordable car insurance in Tucson can feel overwhelming, with local rates higher than many other cities and numerous coverage options to sort through. Our step-by-step guide helps you navigate these choices and find the best cheap car insurance rates for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to evaluate your needs based on your vehicle's value, assets and risk tolerance. Consider Tucson's unique factors like monsoon season and urban driving conditions.
- 2
Explore alternative coverage types
Look into different types of car insurance that might better suit your driving habits. If you drive infrequently, pay-per-mile coverage could save money. Don't own a car? Consider non-owner insurance for occasional driving.
- 3
Know the local market rates
Research average vehicle insurance costs in Tucson to set realistic expectations. Understanding typical rates for your neighborhood and driver profile helps you recognize good deals and avoid overpaying for coverage.
- 4
Check available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and defensive driving course discounts can also reduce your premium.
- 5
Research insurance company ratings
Investigate potential insurers' financial strength and customer service ratings. Focus on companies with strong track records in claims handling and customer support in the Tucson area.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to get the most competitive rates. Keep your coverage selections consistent across quotes for accurate comparisons.
- 7
Review and update annually
Set a yearly reminder to review your policy and shop for better rates. Life changes, driving habits and insurance company pricing can all affect your premium.
Cheapest Car Insurance in Tucson: Bottom Line
Car insurance rates in Tucson depend on your age, driving record and credit score. Travelers and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Tucson Car Insurance: FAQ
Looking for cheap car insurance in Tucson? We've researched local rates and coverage options to bring you clear answers about finding affordable protection that fits your needs. Our FAQ section breaks down everything you need to know about saving money while staying properly covered.
What is the cheapest car insurance company in Tucson, Arizona?
Travelers offers the lowest rates in Tucson, with average annual premiums of $573 for minimum coverage and $1,078 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tucson?
Travelers offers Tucson's highest-rated car insurance, scoring 96 out of 100 and ranking three points above Auto-Owners. Travelers excels in both affordability and customer service quality.
What is the average cost of car insurance in Tucson?
In Tucson, drivers pay $1,696 annually for full coverage and $840 for minimum coverage car insurance. Actual rates vary based on individual factors.
Is car insurance in Tucson expensive?
Car insurance rates in Tucson are higher than average, ranking 241st for minimum coverage affordability and 243rd for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Tucson, AZ
To help Tucson drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tucson auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in Tucson and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.
Tucson Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tucson with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tucson
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Arizona are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Tucson based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
