Cheapest and Best Car Insurance in Tucson, AZ (July 2024)


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Updated: July 1, 2024

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In Tucson, your cheapest coverage will vary; for full coverage, Root Insurance Company offers the lowest rates, whereas families with teens find Travelers most affordable. These differ from Mercury, the cheapest for minimum coverage. The best in customer service and overall value is awarded to Auto-Owners, providing top-tier insurance experiences. Choose according to your coverage needs and preference for service or cost.

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2024

Cheapest and Best Car Insurance in Tucson

Why Trust MoneyGeek? We analyzed 105,568 quotes in Arizona, including the city of Tucson, from 16 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Tucson insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Tucson, AZ, as of July 2024.

105,568Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Liability Car Insurance in Tucson

MoneyGeek found that Mercury is the cheapest car insurance option in Tucson, offering compelling rates for minimum coverage.

  • Mercury: $379 per year
  • Auto-Owners: $430 per year

The General presents Tucson's most expensive minimum coverage policy, with an annual cost of $1,404. This stark price differential of $1,025 exemplifies why thoroughly shopping for car insurance is advantageous.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$379Monthly Premium$32
Auto-Owners Insurance CoAnnual Premium$430Monthly Premium$36
Root Insurance CompanyAnnual Premium$437Monthly Premium$36
GEICOAnnual Premium$469Monthly Premium$39
Country FinancialAnnual Premium$475Monthly Premium$40
State FarmAnnual Premium$539Monthly Premium$45
ProgressiveAnnual Premium$584Monthly Premium$49
TravelersAnnual Premium$604Monthly Premium$50

For drivers across all of Arizona, including those in Tucson, car insurance minimums are mandated by state law. Below are the essential coverages to carry:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage liability per accident

If you have only a minimum liability policy and find yourself in a mishap causing another person a bodily injury, your insurer will cover up to $25,000 for that individual. However, if the total costs for injuries to all involved surpass $50,000, any excess would be your financial responsibility. Remember, these are just the legal minimums and exceeding them could mean paying out of pocket.

Cheapest Full Coverage Car Insurance in Tucson

MoneyGeek found that Root Insurance Company is the most affordable option in Tucson for cheapest full coverage car insurance.

  • Root Insurance Company: $685 per year
  • GEICO: $864 per year

The General offers the most expensive full coverage policy in the city at $2,810 annually, demonstrating a $2,125 difference compared to the cheapest option. Full coverage policies cost more because they provide comprehensive protection, including liability, collision, and comprehensive insurance, safeguarding against a wide range of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Root Insurance CompanyAnnual Premium$685Monthly Premium$57
GEICOAnnual Premium$864Monthly Premium$72
Auto-Owners Insurance CoAnnual Premium$968Monthly Premium$81
ProgressiveAnnual Premium$1,131Monthly Premium$94
TravelersAnnual Premium$1,135Monthly Premium$95
State FarmAnnual Premium$1,149Monthly Premium$96
Iowa Farm BureauAnnual Premium$1,254Monthly Premium$104
AllstateAnnual Premium$1,283Monthly Premium$107

Comprehensive auto insurance in Tucson consists of $100,000 bodily injury liability per individual, $300,000 bodily injury liability per event and $100,000 property damage liability per event. Industry professionals commonly refer to such a plan as a 100/300/100 policy, indicating its expansive liability thresholds.

Beyond bolstering liability protections, a full coverage policy integrates both comprehensive and collision coverages:

  • Collision Insurance: This secures your automobile against damages sustained due to impacts with another car or object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This type of insurance compensates for your vehicle’s damage resulting from non-collision incidents, such as theft or environmental conditions, natural disasters and being struck by an animal like a deer.

For owners of a new car, investing in a full coverage policy is advisable. Nevertheless, this option may not be cost-effective for older vehicles, where the cost of added insurance might surpass its benefits. When you're deciding how much car insurance you need, it's crucial to weigh the higher premiums associated with more extensive coverage against the risk of being underinsured.

Cheapest Car Insurance in Tucson After a Driving Offense

MoneyGeek found that in Tucson, the cheapest company for drivers with a poor driving record varies depending on the type of offense. Here are the insurers offering the lowest annual premiums:

  • Speeding Ticket: Root Insurance Company ($841 per year)
  • At-fault accident: Root Insurance Company ($857 per year)
  • DUI: Root Insurance Company ($758 per year)

The General tends to have the highest rates for these offenses, with annual premiums of $3,648 after a speeding ticket and $4,302 after an at-fault accident.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Root Insurance CompanyAnnual Premium$841Monthly Premium$70
Auto-Owners Insurance CoAnnual Premium$968Monthly Premium$81
GEICOAnnual Premium$1,060Monthly Premium$88
State FarmAnnual Premium$1,300Monthly Premium$108
TravelersAnnual Premium$1,341Monthly Premium$112
ProgressiveAnnual Premium$1,522Monthly Premium$127
NationwideAnnual Premium$1,604Monthly Premium$134
Iowa Farm BureauAnnual Premium$1,621Monthly Premium$135

In Tucson, as in many cities, the severity of a driving infraction directly impacts insurance rates — the more severe the offense, the higher the cost. For instance, drivers with a DUI on their record face an average annual rate of $3,981, significantly steeper than those with a speeding ticket at $3,129. With such discrepancies, it's crucial for drivers with violations to diligently compare insurance rates, as shopping around may offer substantial savings on their premiums.

Cheapest Car Insurance in Tucson for Teens and Their Families

MoneyGeek found that Travelers is the cheapest option for cheapest car insurance for teens in Tucson, offering significantly lower rates for both female and male teen drivers.

  • Travelers: $1,727 per year for female teens and $2,062 per year for male teens
  • GEICO: $2,194 per year for female teens and male teens

These rates reflect the cost of insuring a combination of two parents and a teenage driver. The most expensive teen family policy in Tucson is offered by Allstate, with an annual rate of $3,438 for female teens. The difference of $1,711 between Travelers insurance and Allstate for female teen drivers underscores the potential savings available through diligent research.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
TravelersFamily Plan Annual Premium$1,727Individual Plan Monthly Premium$3,123
GEICOFamily Plan Annual Premium$2,194Individual Plan Monthly Premium$4,418
NationwideFamily Plan Annual Premium$2,243Individual Plan Monthly Premium$5,000
Auto-Owners Insurance CoFamily Plan Annual Premium$2,356Individual Plan Monthly Premium$2,361
State FarmFamily Plan Annual Premium$2,674Individual Plan Monthly Premium$3,575
ProgressiveFamily Plan Annual Premium$2,717Individual Plan Monthly Premium$7,460
FarmersFamily Plan Annual Premium$2,784Individual Plan Monthly Premium$9,734
AllstateFamily Plan Annual Premium$3,438Individual Plan Monthly Premium$3,098

Teen drivers in Tucson could face steep costs for car insurance, with individuals paying much more than if they were included in a joint family policy. On average, a teen's annual individual premium is approximately $5,665, while adding a teen to a family plan averages around $2,933. High rates for individual teen policies reflect the greater risk insurers associate with younger, less experienced drivers.

Cheapest Car Insurance in Tucson for Military Drivers

MoneyGeek found that Root Insurance Company is the cheapest option in Tucson for cheapest car insurance for military backgrounds.

  • Root Insurance Company: $685 per year
  • GEICO: $864 per year

Although USAA is not the cheapest in this comparison with an annual premium of $1,132, it is well-known for its services that are specially tailored to the needs of active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Root Insurance CompanyAnnual Premium$685Monthly Premium$57
GEICOAnnual Premium$864Monthly Premium$72
Auto-Owners Insurance CoAnnual Premium$968Monthly Premium$81
ProgressiveAnnual Premium$1,131Monthly Premium$94
USAAAnnual Premium$1,132Monthly Premium$94
TravelersAnnual Premium$1,135Monthly Premium$95
State FarmAnnual Premium$1,149Monthly Premium$96
Iowa Farm BureauAnnual Premium$1,254Monthly Premium$104

How to Compare Cheap Tucson Car Insurance Quotes Online

When seeking the best car insurance rates in Tucson, compare offerings from multiple providers. Use MoneyGeek's car insurance calculator to find rates. By inputting crucial information such as age, driving history, credit score and coverage needs, Tucson drivers can quickly obtain a tailored estimate.

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MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Tucson: Overview

Selecting the best auto insurance requires weighing factors including service quality, cost, coverage and other personal preferences. MoneyGeek's scoring system differs by category, reflecting the individual strengths of each insurance company.

  • Best overall: Auto-Owners (MoneyGeek score 87 out of 100)

  • Best for service: Auto-Owners (MoneyGeek score 86 out of 100)

  • Best cheap: Auto-Owners (MoneyGeek score 91 out of 100)

Overall Best Car Insurance in Tucson

MoneyGeek found that Auto-Owners is the top provider for the best car insurance in Tucson, delivering exceptional service and value to its customers.

  • Auto-Owners: MoneyGeek score of 87 out of 100 ($968 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($1,149 per year)

Auto-Owners has high scores in customer satisfaction and affordability, the two largest components in its MoneyGeek overall score.

Company logo for Auto-Owners
Best OverallAuto-Owners
MoneyGeek Score:
87/ of 100

Overview

Auto-Owners has a high MoneyGeek score thanks to impressive affordability and claims handling. It provides gap insurance and accident forgiveness, ensuring customers are covered against depreciating vehicle values and the implications of at-fault accidents. The company offers both common coverages, roadside assistance and rental car and/or travel reimbursement.

Auto-Owners has bundled options for a variety of incidents. Diminished value coverage is particularly valuable for preserving investment in your vehicle following an accident that reduces its worth.

Best Car Insurance in Tucson for Customer Service

MoneyGeek found that Auto-Owners is the best option in Tucson for car insurance focused on customer service. The high MoneyGeek score is due to its commitment to general satisfaction, expert handling of claims and offering comprehensive coverage options.

  • Auto-Owners: MoneyGeek score of 86 out of 100 ($968 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($1,384 per year)

Customers can expect superior service during the lifecycle of their policy with Auto-Owners.

Company logo for Auto-Owners
Best for Customer ServiceAuto-Owners
MoneyGeek Score:
86/ of 100

Overview

Auto-Owners has a high MoneyGeek score of 86 due to outstanding claims and coverage scores,. It does provide rental car and/or travel reimbursement and gap insurance. Auto-Owners offers diminished value coverage, which is particularly advantageous if your car incurs damage and loses value despite repairs. The deductible modification waives your collision deductible in specific scenarios.

Best Cheap Car Insurance Companies in Tucson

MoneyGeek found that Auto-Owners is the best option for cheap car insurance in Tucson. It scores well in affordability and offers competitive rates, with a strong balance of claims handling and customer satisfaction as influential factors.

  • Auto-Owners: MoneyGeek score of 91 out of 100 ($430 per year)
  • Mercury: MoneyGeek score of 87 out of 100 ($379 per year)

Auto-Owners has top marks in claims satisfaction and stability.

Company logo for Auto-Owners
Best Cheap CompanyAuto-Owners
MoneyGeek Score:
91/ of 100

Overview

Auto-Owners has an exceptional coverage score of 10 (out of 10) and affordability score of 39 (out of 40), contributing to its high MoneyGeek Score. With an average annual premium of just $430, the average driver will find Auto-Owners minimum coverage highly affordable.

It has high marks for claims handling with a score of 20 (out of 20). These high scores indicate a broad commitment to customer needs, despite the absence of listed discounts.

Average Cost of Car Insurance in Tucson

The average cost of car insurance in Tucson is $1,382 annually. This is less than the average car insurance cost in Arizona, which stands at $1,397.

Car insurance premiums are influenced by factors beyond geographical location, yet the latter remains a significant determinant. Location is important because it affects risk exposure, with elements such as traffic volume, accident frequency, and theft rates varying from place to place. Phoenix has the most expensive insurance premium at $1,712.

ChandlerAnnual Premium$1,447
GilbertAnnual Premium$1,456
GlendaleAnnual Premium$1,664
MesaAnnual Premium$1,487
PeoriaAnnual Premium$1,554
PhoenixAnnual Premium$1,712
ScottsdaleAnnual Premium$1,448
SurpriseAnnual Premium$1,404
TempeAnnual Premium$1,539
TucsonAnnual Premium$1,382

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.