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.
Cheapest and Best Car Insurance in Tucson, AZ (July 2024)
Mercury has the cheapest minimum coverage car insurance in Tucson, Arizona at $379 annually. Auto-Owners is the best for a blend of affordability and service with a MoneyGeek score of 87 (out of 100).
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Updated: July 1, 2024
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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.
These rates reflect the cheapest car insurance quotes in Tucson, AZ, as of July 2024.
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Mercury | Annual Premium$379 | Monthly Premium$32 |
Auto-Owners Insurance Co | Annual Premium$430 | Monthly Premium$36 |
Root Insurance Company | Annual Premium$437 | Monthly Premium$36 |
GEICO | Annual Premium$469 | Monthly Premium$39 |
Country Financial | Annual Premium$475 | Monthly Premium$40 |
State Farm | Annual Premium$539 | Monthly Premium$45 |
Progressive | Annual Premium$584 | Monthly Premium$49 |
Travelers | Annual Premium$604 | Monthly Premium$50 |
Allstate | Annual Premium$632 | Monthly Premium$53 |
Iowa Farm Bureau | Annual Premium$657 | Monthly Premium$55 |
Farmers | Annual Premium$688 | Monthly Premium$57 |
Hartford | Annual Premium$771 | Monthly Premium$64 |
Nationwide | Annual Premium$778 | Monthly Premium$65 |
CSAA | Annual Premium$1,169 | Monthly Premium$97 |
The General | Annual Premium$1,404 | Monthly Premium$117 |
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Root Insurance Company | Annual Premium$685 | Monthly Premium$57 |
GEICO | Annual Premium$864 | Monthly Premium$72 |
Auto-Owners Insurance Co | Annual Premium$968 | Monthly Premium$81 |
Progressive | Annual Premium$1,131 | Monthly Premium$94 |
Travelers | Annual Premium$1,135 | Monthly Premium$95 |
State Farm | Annual Premium$1,149 | Monthly Premium$96 |
Iowa Farm Bureau | Annual Premium$1,254 | Monthly Premium$104 |
Allstate | Annual Premium$1,283 | Monthly Premium$107 |
Nationwide | Annual Premium$1,332 | Monthly Premium$111 |
Farmers | Annual Premium$1,350 | Monthly Premium$112 |
Country Financial | Annual Premium$1,361 | Monthly Premium$113 |
Hartford | Annual Premium$1,369 | Monthly Premium$114 |
Mercury | Annual Premium$1,384 | Monthly Premium$115 |
CSAA | Annual Premium$2,462 | Monthly Premium$205 |
The General | Annual Premium$2,810 | Monthly Premium$234 |
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
Root Insurance Company | Annual Premium$841 | Monthly Premium$70 |
Auto-Owners Insurance Co | Annual Premium$968 | Monthly Premium$81 |
GEICO | Annual Premium$1,060 | Monthly Premium$88 |
State Farm | Annual Premium$1,300 | Monthly Premium$108 |
Travelers | Annual Premium$1,341 | Monthly Premium$112 |
Progressive | Annual Premium$1,522 | Monthly Premium$127 |
Nationwide | Annual Premium$1,604 | Monthly Premium$134 |
Iowa Farm Bureau | Annual Premium$1,621 | Monthly Premium$135 |
Farmers | Annual Premium$1,722 | Monthly Premium$143 |
Hartford | Annual Premium$1,754 | Monthly Premium$146 |
Country Financial | Annual Premium$1,804 | Monthly Premium$150 |
Allstate | Annual Premium$2,168 | Monthly Premium$181 |
Mercury | Annual Premium$2,384 | Monthly Premium$199 |
CSAA | Annual Premium$3,036 | Monthly Premium$253 |
The General | Annual Premium$3,648 | Monthly Premium$304 |
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.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Travelers | Family Plan Annual Premium$1,727 | Individual Plan Monthly Premium$3,123 |
GEICO | Family Plan Annual Premium$2,194 | Individual Plan Monthly Premium$4,418 |
Nationwide | Family Plan Annual Premium$2,243 | Individual Plan Monthly Premium$5,000 |
Auto-Owners Insurance Co | Family Plan Annual Premium$2,356 | Individual Plan Monthly Premium$2,361 |
State Farm | Family Plan Annual Premium$2,674 | Individual Plan Monthly Premium$3,575 |
Progressive | Family Plan Annual Premium$2,717 | Individual Plan Monthly Premium$7,460 |
Farmers | Family Plan Annual Premium$2,784 | Individual Plan Monthly Premium$9,734 |
Allstate | Family Plan Annual Premium$3,438 | Individual 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Root Insurance Company | Annual Premium$685 | Monthly Premium$57 |
GEICO | Annual Premium$864 | Monthly Premium$72 |
Auto-Owners Insurance Co | Annual Premium$968 | Monthly Premium$81 |
Progressive | Annual Premium$1,131 | Monthly Premium$94 |
USAA | Annual Premium$1,132 | Monthly Premium$94 |
Travelers | Annual Premium$1,135 | Monthly Premium$95 |
State Farm | Annual Premium$1,149 | Monthly Premium$96 |
Iowa Farm Bureau | Annual Premium$1,254 | Monthly Premium$104 |
Allstate | Annual Premium$1,283 | Monthly Premium$107 |
Nationwide | Annual Premium$1,332 | Monthly Premium$111 |
Farmers | Annual Premium$1,350 | Monthly Premium$112 |
Country Financial | Annual Premium$1,361 | Monthly Premium$113 |
Hartford | Annual Premium$1,369 | Monthly Premium$114 |
Mercury | Annual Premium$1,384 | Monthly Premium$115 |
CSAA | Annual Premium$2,462 | Monthly Premium$205 |
The General | Annual Premium$2,810 | Monthly Premium$234 |
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.
Car Insurance Calculator
MoneyGeek'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.
Rates updated:
Oct 11, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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.
First place for key coverages
First place for claims satisfaction
Offers rare coverages such as diminished value and deductible modification
Does not offer original equipment manufacturer (OEM) coverage
MoneyGeek's car insurance rankings for Tucson prioritize customer satisfaction and cost while also considering claims processing, coverage options and insurer stability.
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.
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.
Ranks well in the city for general customer satisfaction
Ranks well in the city for claims satisfaction
Offers diminished value and deductible modification
Does not rank top in the city for non-claims customer satisfaction
MoneyGeek ranks Tucson car insurers, prioritizing customer satisfaction, claims service, coverage options, and financial health.
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.
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.
Offers tier two and three discounts for various coverage
Ranks second in the city for affordability
First place in claims handling
Lacks common discounts such as bundling, multiple car and safe driving
Ranks fourth for non-claims customer satisfaction
MoneyGeek ranks Tucson car insurance focusing on affordability and satisfaction, also considering claims, coverage options and financial strength.
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.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.