Updated: December 11, 2025
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Tucson drivers can get minimum coverage for just $48 monthly through Travelers, while the same insurer provides full coverage at $90 per month or $1,078 annually. These rates apply to drivers with clean records.
Your age and driving history determine which company offers your lowest rate, so comparing quotes from multiple insurers helps you find the best premium for your situation.
| Travelers | $90 | $48 | -38% |
| Geico | $116 | $53 | -24% |
| Auto Owners | $116 | $57 | -21% |
| State Farm | $130 | $60 | -14% |
| Progressive | $125 | $76 | -9% |
Arizona drivers spend $120 monthly for full coverage statewide, while Tucson residents pay $141 per month. Minimum coverage costs $59 across Arizona but jumps to $70 in Tucson. The city's higher premiums reflect increased vehicle theft and more frequent accidents from dense traffic patterns.
These urban factors generate more insurance claims, which insurers include in their rate calculations. Compare quotes from multiple companies to find better rates in Tucson.
| $141 | $120 |
Read More: The cheapest car insurance in Arizona
Your age directly affects car insurance costs in Tucson. Young drivers average $263 monthly across the top five insurers, compared to $115 for adults and $154 for seniors. This difference reflects young drivers' limited experience behind the wheel and higher accident rates.
Cheapest Tucson car insurance by age:
Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Insurance costs run higher for young drivers in Tucson, but Travelers offers relief at $207 per month or $2,478 per year for full coverage. Drivers ages 16 to 25 pay these elevated premiums because insurers view them as the riskiest group due to limited experience, more accidents and more traffic violations.
Young drivers across Tucson’s top five insurers average $263 per month compared to $115 for adults, which puts youth rates at more than double the adult average.
Choose Travelers instead of State Farm at $301 to cut $94 from your monthly costs. Adding young drivers to a family policy usually costs less than buying a separate plan, but rates tend to stay high until age 25.
Note: Teen drivers under 18 in Arizona must meet state licensing requirements and may need parental consent for coverage. Check with your insurer for specific rules that apply to young drivers in Arizona.
| Travelers | $207 | $2,478 |
| Geico | $248 | $2,982 |
| Auto Owners | $272 | $3,265 |
| Safeway Insurance | $287 | $3,443 |
| State Farm | $301 | $3,608 |
Tucson's senior drivers benefit from decades of experience and clean records, with Travelers offering the most affordable rates at $127 monthly or $1,527 annually for full coverage. While drivers 65 and older enjoy competitive premiums, some insurers increase costs slightly after age 70 due to reaction time concerns.
Across the five cheapest options, seniors average $154 monthly, just $39 above the $115 that younger adults pay. Compare rates before buying. Choosing Travelers over Progressive at $168 monthly saves $41 each month.
Seniors can access additional savings through defensive driving courses or low-mileage discounts for driving under 7,500 miles annually.
| Travelers | $127 | $1,527 |
| Geico | $149 | $1,784 |
| State Farm | $159 | $1,910 |
| Safeway Insurance | $166 | $1,993 |
| Progressive | $169 | $2,022 |
Drivers between 26 and 64 get Tucson's best insurance rates because they combine extensive driving experience with lower accident rates than younger and older motorists. Travelers leads with the most affordable full coverage at $90 monthly or $1,080 annually for this age group.
Across Tucson's five cheapest insurers, adults average $115 monthly, the most competitive rates of any age category. Comparison shopping delivers real savings. Tucson adults save $40 monthly choosing Travelers over State Farm's $130 rate, the fifth cheapest option. Maintaining clean driving records and bundling policies cuts costs even more.
| Travelers | $90 | $1,078 |
| Geico | $116 | $1,387 |
| Auto Owners | $116 | $1,395 |
| Progressive | $125 | $1,497 |
| State Farm | $130 | $1,558 |
Violations increase insurance costs across Tucson, with rates jumping from $48 monthly through Travelers for clean records to much higher amounts for drivers with infractions. Auto-Owners provides the most affordable rates for speeding violations at $57 monthly, while State Farm leads for DUI coverage at $64 monthly.
The average cost across the five cheapest insurers shows clear progression: $58 for clean records, $64 for speeding tickets, $77 for at-fault accidents and $85 for DUIs. At-fault accidents push premiums higher because you've caused actual property damage or injuries, proving you're a greater risk to insurers.
DUIs create the largest increases since they combine dangerous behavior with serious legal consequences, placing you in the highest-risk category and often requiring SR-22 filing. Speeding tickets generate smaller rate bumps because they signal risky driving without proving you've actually crashed.
| State Farm | $64 | $770 |
| Travelers | $67 | $801 |
| Progressive | $92 | $1,101 |
| Safeway Insurance | $94 | $1,122 |
| Auto Owners | $109 | $1,303 |
The cheapest ZIP code in Tucson charges $63 monthly, while the most expensive area (ZIP 85705) costs $175. Your location directly affects your car insurance bill. See your ZIP code's rate in the table below.
Tucson's most populous neighborhoods show clear rate variations. ZIP 85730 averages $134 monthly for minimum coverage, while ZIP 85705 costs $175. These differences reflect neighborhood factors like vehicle theft rates, accident frequency, population density and uninsured driver concentrations.
Use the filter above to locate your ZIP code and check your area's rate.
| 85701 | $71 | $144 |
Smart Tucson drivers know how to get competitive rates without cutting corners on proper coverage.
Try our car insurance coverage needs calculator for customized advice. This tool helps determine the right amount of coverage based on your specific situation and budget in Tucson.
Familiarize yourself with types of car insurance options in Tucson. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow vehicles.
Look up average vehicle insurance costs for your specific Tucson neighborhood. Local rates vary based on factors like crime rates and traffic patterns in different areas.
Explore every car insurance discount insurers offer. Consider bundling multiple policies or getting multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurance companies serving Tucson. Check both financial strength ratings and customer satisfaction scores to ensure you're choosing a reliable insurer that pays claims promptly.
Request quotes from multiple carriers in Tucson, targeting at least three different companies. Rates can vary between insurers for the same coverage, so comparison shopping is essential for finding affordable options.
Schedule an annual policy review to stay competitive with current market rates. Your circumstances and available discounts change over time, so regular reviews help ensure you're still getting the best value for your coverage.
Want to find affordable coverage in Tucson? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget and protection needs.
Travelers leads Tucson with the most affordable minimum coverage at $576 annually and offers full coverage at $1,080 annually. Since personal factors like your driving record and credit score affect your rates, shop around with multiple companies.
Travelers ranks first among Tucson car insurance providers, earning a MoneyGeek score of 96 out of 100 and beating Auto-Owners by three points. The company performs well in both affordability and customer experience.
Car insurance in Tucson averages $1,692 annually for full coverage and $840 for minimum coverage. Your actual premiums depend on your driving record, age and coverage choices.
Yes, car insurance in Tucson is higher than the Arizona average, with both minimum and full coverage costing more than statewide rates.
Tucson drivers pay some of Arizona's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Tucson's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
