Cheapest and Best Car Insurance Companies in Tucson, AZ

Based on the latest 2023 quotes, Mercury offers the most affordable minimum coverage auto insurance in Tucson, Arizona. Auto-Owners Insurance provides the best combination of price and excellent service.

Mercury offers Tucson drivers the most affordable minimum car insurance coverage rates. Root Insurance is the most budget-friendly choice for full coverage and for drivers who have been in at-fault accidents, have a DUI or are military-affiliated. Auto-Owners Insurance is the best overall and the least expensive option for drivers with speeding tickets. Travelers is the best option for teen drivers. The best insurer may vary depending on your driver profile and needs.

Cheapest + BestCar InsuranceTucson

2023

Cheapest and Best Car Insurance in Tucson, AZ

Cheapest Overall - Mercury

Cheapest Full Coverage - Root Insurance

Cheapest After Driving Offense - Auto-Owners Insurance

Cheapest for Teens - Travelers

Cheapest for Military - Root Insurance

Best Overall - Auto-Owners Insurance

Best for Customer Service - Auto-Owners Insurance

Best Cheap - Auto-Owners Insurance

Cheapest Minimum Liability Car Insurance in Tucson

The most affordable auto insurance companies for a minimum coverage policy in Tucson are:

Mercury: $300 per year
Auto-Owners Insurance: $305 per year

The General is the most expensive car insurer for a minimum coverage policy at $1,253 per year. Mercury is also the cheapest car insurance company in Arizona at $325 per year as of October 2022. The provider’s Tucson rates are slightly lower than in other parts of Arizona.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$298	$25
Mercury	$300	$25
Auto-Owners Insurance Co	$305	$25
Mercury	$306	$26
Travelers	$334	$28
Travelers	$357	$30
Travelers	$372	$31
Country Financial	$391	$33
Country Financial	$396	$33
State Farm	$403	$34
Root Insurance Company	$413	$34
Auto-Owners Insurance Co	$415	$35
Root Insurance Company	$418	$35
Mercury	$425	$35
State Farm	$428	$36
Root Insurance Company	$441	$37
GEICO	$461	$38
GEICO	$485	$40
Hartford	$487	$41
Allstate	$492	$41
Progressive	$499	$42
Progressive	$503	$42
Iowa Farm Bureau	$509	$42
State Farm	$521	$43
Farmers	$526	$44
Nationwide	$528	$44
Farmers	$546	$46
Iowa Farm Bureau	$548	$46
Hartford	$549	$46
Country Financial	$550	$46
GEICO	$554	$46
Nationwide	$555	$46
Allstate	$566	$47
Allstate	$571	$48
Progressive	$579	$48
Farmers	$644	$54
Root Insurance Company	$649	$54
Root Insurance Company	$652	$54
Auto-Owners Insurance Co	$659	$55
Iowa Farm Bureau	$664	$55
CSAA	$669	$56
Auto-Owners Insurance Co	$679	$57
Root Insurance Company	$693	$58
Nationwide	$695	$58
Travelers	$710	$59
Travelers	$721	$60
Hartford	$729	$61
CSAA	$782	$65
GEICO	$792	$66
GEICO	$795	$66
State Farm	$827	$69
Travelers	$854	$71
Hartford	$875	$73
CSAA	$886	$74
State Farm	$897	$75
Progressive	$908	$76
Auto-Owners Insurance Co	$933	$78
Allstate	$938	$78
Iowa Farm Bureau	$942	$79
Progressive	$946	$79
Mercury	$957	$80
Hartford	$970	$81
GEICO	$978	$82
Mercury	$1,011	$84
Iowa Farm Bureau	$1,015	$85
Farmers	$1,020	$85
Allstate	$1,025	$85
Farmers	$1,067	$89
Allstate	$1,076	$90
Nationwide	$1,095	$91
State Farm	$1,140	$95
Progressive	$1,177	$98
CSAA	$1,185	$99
Iowa Farm Bureau	$1,196	$100
Country Financial	$1,204	$100
Nationwide	$1,234	$103
The General	$1,253	$104
Farmers	$1,285	$107
Country Financial	$1,348	$112
Hartford	$1,371	$114
CSAA	$1,380	$115
The General	$1,404	$117
Mercury	$1,426	$119
Nationwide	$1,483	$124
CSAA	$1,563	$130
Country Financial	$1,726	$144
The General	$1,867	$156
The General	$2,653	$221
The General	$2,738	$228
The General	$3,832	$319

Arizona state mandates that minimum car insurance coverage must provide protection for bodily injury and personal property damage liability up to the following limits:

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

With this coverage, your insurance provider pays for medical expenses up to $25,000 for each injured individual, with a maximum of $50,000 for the entire incident, no matter how many people are involved. Any costs over this amount are the policyholder’s responsibility.

Cheapest Full Coverage Car Insurance in Tucson

The best companies in Tucson for a full coverage policy are:

Root Insurance: $649 per year
Auto-Owners Insurance: $679 per year

The General offers Tucson's most expensive full coverage policy at $2,653 per year as of October 2022. At $715 per year, Root Insurance is also Arizona's cheapest full coverage insurer, making the provider slightly more affordable in Tucson than in other parts of the state.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$298	$25
Mercury	$300	$25
Auto-Owners Insurance Co	$305	$25
Mercury	$306	$26
Travelers	$334	$28
Travelers	$357	$30
Travelers	$372	$31
Country Financial	$391	$33
Country Financial	$396	$33
State Farm	$403	$34
Root Insurance Company	$413	$34
Auto-Owners Insurance Co	$415	$35
Root Insurance Company	$418	$35
Mercury	$425	$35
State Farm	$428	$36
Root Insurance Company	$441	$37
GEICO	$461	$38
GEICO	$485	$40
Hartford	$487	$41
Allstate	$492	$41
Progressive	$499	$42
Progressive	$503	$42
Iowa Farm Bureau	$509	$42
State Farm	$521	$43
Farmers	$526	$44
Nationwide	$528	$44
Farmers	$546	$46
Iowa Farm Bureau	$548	$46
Hartford	$549	$46
Country Financial	$550	$46
GEICO	$554	$46
Nationwide	$555	$46
Allstate	$566	$47
Allstate	$571	$48
Progressive	$579	$48
Farmers	$644	$54
Root Insurance Company	$649	$54
Root Insurance Company	$652	$54
Auto-Owners Insurance Co	$659	$55
Iowa Farm Bureau	$664	$55
CSAA	$669	$56
Auto-Owners Insurance Co	$679	$57
Root Insurance Company	$693	$58
Nationwide	$695	$58
Travelers	$710	$59
Travelers	$721	$60
Hartford	$729	$61
CSAA	$782	$65
GEICO	$792	$66
GEICO	$795	$66
State Farm	$827	$69
Travelers	$854	$71
Hartford	$875	$73
CSAA	$886	$74
State Farm	$897	$75
Progressive	$908	$76
Auto-Owners Insurance Co	$933	$78
Allstate	$938	$78
Iowa Farm Bureau	$942	$79
Progressive	$946	$79
Mercury	$957	$80
Hartford	$970	$81
GEICO	$978	$82
Mercury	$1,011	$84
Iowa Farm Bureau	$1,015	$85
Farmers	$1,020	$85
Allstate	$1,025	$85
Farmers	$1,067	$89
Allstate	$1,076	$90
Nationwide	$1,095	$91
State Farm	$1,140	$95
Progressive	$1,177	$98
CSAA	$1,185	$99
Iowa Farm Bureau	$1,196	$100
Country Financial	$1,204	$100
Nationwide	$1,234	$103
The General	$1,253	$104
Farmers	$1,285	$107
Country Financial	$1,348	$112
Hartford	$1,371	$114
CSAA	$1,380	$115
The General	$1,404	$117
Mercury	$1,426	$119
Nationwide	$1,483	$124
CSAA	$1,563	$130
Country Financial	$1,726	$144
The General	$1,867	$156
The General	$2,653	$221
The General	$2,738	$228
The General	$3,832	$319

A full coverage policy adds collision and comprehensive insurance to your policy.

Collision Insurance: Covers damage to your car caused by an accident with another vehicle or object.
Comprehensive Insurance: Covers non-collision damage to your car, such as theft, fire, hail or flooding.

A full coverage policy benefits new car owners but may not be worth it for older vehicles. Full coverage for an older vehicle can cost more than the car’s value.

Cheapest Car Insurance in Tucson After a Driving Offense

The least expensive auto insurance providers for those with driving violations in Tucson are:

Speeding ticket: Auto-Owners Insurance ($679 per year)
At-fault accident: Root Insurance ($811 per year)
DUI: Root Insurance ($718 per year)

The General offers the most expensive premiums for those with driving violations, with costs of $3,177 after a speeding ticket, $3,746 after an at-fault accident and $3,449 after a DUI. A violation can significantly increase premiums, so even the lowest rates will be more expensive.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$298	$25
Auto-Owners Insurance Co	$305	$25
Travelers	$413	$34
Auto-Owners Insurance Co	$415	$35
Travelers	$437	$36
Travelers	$440	$37
Travelers	$449	$37
State Farm	$461	$38
State Farm	$461	$38
Root Insurance Company	$462	$38
Auto-Owners Insurance Co	$463	$39
Travelers	$466	$39
Root Insurance Company	$468	$39
Mercury	$469	$39
Auto-Owners Insurance Co	$475	$40
Travelers	$475	$40
Travelers	$476	$40
State Farm	$490	$41
State Farm	$490	$41
Root Insurance Company	$491	$41
Mercury	$500	$42
State Farm	$507	$42
Travelers	$511	$43
Root Insurance Company	$516	$43
Root Insurance Company	$517	$43
Travelers	$521	$43
Root Insurance Company	$522	$43
Root Insurance Company	$525	$44
GEICO	$528	$44
Country Financial	$535	$45
State Farm	$538	$45
Mercury	$538	$45
Country Financial	$542	$45
Progressive	$542	$45
Root Insurance Company	$551	$46
Root Insurance Company	$553	$46
GEICO	$558	$47
Progressive	$574	$48
State Farm	$597	$50
State Farm	$597	$50
Mercury	$607	$51
Mercury	$616	$51
Progressive	$616	$51
Progressive	$625	$52
Hartford	$628	$52
Auto-Owners Insurance Co	$629	$52
GEICO	$640	$53
Nationwide	$641	$53
Auto-Owners Insurance Co	$645	$54
Auto-Owners Insurance Co	$646	$54
Mercury	$647	$54
Farmers	$649	$54
Iowa Farm Bureau	$651	$54
Progressive	$653	$54
State Farm	$656	$55
Auto-Owners Insurance Co	$659	$55
Country Financial	$663	$55
Nationwide	$668	$56
Country Financial	$672	$56
GEICO	$676	$56
Auto-Owners Insurance Co	$679	$57
Country Financial	$679	$57
Mercury	$686	$57
Country Financial	$688	$57
Hartford	$700	$58
Hartford	$700	$58
Progressive	$701	$58
Iowa Farm Bureau	$701	$58
Root Insurance Company	$718	$60
Progressive	$720	$60
Root Insurance Company	$721	$60
Farmers	$722	$60
GEICO	$730	$61
Hartford	$747	$62
Farmers	$750	$62
Country Financial	$753	$63
Farmers	$764	$64
Root Insurance Company	$765	$64
Progressive	$773	$64
Root Insurance Company	$796	$66
Allstate	$796	$66
GEICO	$797	$66
Hartford	$800	$67
Root Insurance Company	$800	$67
Nationwide	$808	$67
Root Insurance Company	$811	$68
Progressive	$812	$68
Root Insurance Company	$813	$68
CSAA	$814	$68
Farmers	$837	$70
Iowa Farm Bureau	$849	$71
Farmers	$850	$71
Root Insurance Company	$850	$71
Hartford	$858	$72
Mercury	$862	$72
Mercury	$862	$72
Farmers	$866	$72
Allstate	$867	$72
Root Insurance Company	$869	$72
Auto-Owners Insurance Co	$877	$73
Iowa Farm Bureau	$878	$73
Country Financial	$893	$74
Allstate	$912	$76
Allstate	$925	$77
Auto-Owners Insurance Co	$933	$78
GEICO	$934	$78
Farmers	$936	$78
State Farm	$937	$78
State Farm	$937	$78
Hartford	$942	$79
Country Financial	$944	$79
GEICO	$946	$79
Iowa Farm Bureau	$947	$79
CSAA	$955	$80
Nationwide	$957	$80
Auto-Owners Insurance Co	$968	$81
Farmers	$978	$82
Travelers	$987	$82
Allstate	$990	$83
CSAA	$991	$83
Allstate	$995	$83
Nationwide	$996	$83
Auto-Owners Insurance Co	$996	$83
Allstate	$1,005	$84
State Farm	$1,014	$85
State Farm	$1,014	$85
State Farm	$1,024	$85
Travelers	$1,034	$86
CSAA	$1,035	$86
GEICO	$1,035	$86
Travelers	$1,042	$87
Progressive	$1,070	$89
GEICO	$1,074	$90
Travelers	$1,084	$90
Progressive	$1,086	$90
CSAA	$1,088	$91
Hartford	$1,093	$91
Travelers	$1,096	$91
Travelers	$1,097	$91
State Farm	$1,108	$92
Allstate	$1,139	$95
GEICO	$1,140	$95
Allstate	$1,146	$96
Iowa Farm Bureau	$1,147	$96
Travelers	$1,149	$96
Travelers	$1,149	$96
GEICO	$1,153	$96
Hartford	$1,177	$98
CSAA	$1,179	$98
Hartford	$1,180	$98
Iowa Farm Bureau	$1,181	$98
Nationwide	$1,197	$100
GEICO	$1,202	$100
Iowa Farm Bureau	$1,204	$100
Travelers	$1,206	$101
Nationwide	$1,224	$102
CSAA	$1,233	$103
GEICO	$1,235	$103
Progressive	$1,252	$104
Nationwide	$1,263	$105
Hartford	$1,274	$106
Iowa Farm Bureau	$1,274	$106
Auto-Owners Insurance Co	$1,278	$106
Progressive	$1,282	$107
State Farm	$1,291	$108
State Farm	$1,291	$108
Iowa Farm Bureau	$1,298	$108
Progressive	$1,307	$109
Auto-Owners Insurance Co	$1,314	$110
Hartford	$1,341	$112
Nationwide	$1,346	$112
CSAA	$1,351	$113
Farmers	$1,363	$114
Auto-Owners Insurance Co	$1,379	$115
Hartford	$1,379	$115
Farmers	$1,382	$115
State Farm	$1,411	$118
CSAA	$1,413	$118
GEICO	$1,424	$119
Hartford	$1,445	$120
Allstate	$1,452	$121
Progressive	$1,453	$121
CSAA	$1,457	$121
Nationwide	$1,464	$122
Nationwide	$1,485	$124
Hartford	$1,489	$124
Farmers	$1,491	$124
Progressive	$1,496	$125
The General	$1,498	$125
Progressive	$1,504	$125
Iowa Farm Bureau	$1,529	$127
Farmers	$1,530	$128
Mercury	$1,533	$128
Iowa Farm Bureau	$1,543	$129
Farmers	$1,580	$132
Allstate	$1,582	$132
Country Financial	$1,595	$133
Allstate	$1,604	$134
Mercury	$1,612	$134
Iowa Farm Bureau	$1,628	$136
The General	$1,631	$136
Mercury	$1,663	$139
Allstate	$1,666	$139
Farmers	$1,674	$139
CSAA	$1,698	$142
Farmers	$1,709	$142
Farmers	$1,713	$143
Progressive	$1,716	$143
The General	$1,719	$143
Nationwide	$1,734	$145
Allstate	$1,746	$146
Iowa Farm Bureau	$1,754	$146
Allstate	$1,773	$148
GEICO	$1,776	$148
The General	$1,777	$148
Country Financial	$1,778	$148
CSAA	$1,796	$150
Allstate	$1,816	$151
Auto-Owners Insurance Co	$1,824	$152
Hartford	$1,825	$152
Country Financial	$1,830	$153
Mercury	$1,848	$154
Country Financial	$1,851	$154
GEICO	$1,884	$157
CSAA	$1,899	$158
Farmers	$1,910	$159
The General	$1,916	$160
GEICO	$1,918	$160
CSAA	$1,930	$161
Country Financial	$1,953	$163
Allstate	$1,957	$163
Nationwide	$2,003	$167
Mercury	$2,005	$167
Allstate	$2,038	$170
Country Financial	$2,042	$170
Iowa Farm Bureau	$2,066	$172
Hartford	$2,074	$173
CSAA	$2,113	$176
Mercury	$2,136	$178
The General	$2,136	$178
Hartford	$2,149	$179
The General	$2,150	$179
Iowa Farm Bureau	$2,190	$183
Nationwide	$2,203	$184
CSAA	$2,241	$187
The General	$2,248	$187
Mercury	$2,258	$188
Country Financial	$2,295	$191
The General	$2,351	$196
Iowa Farm Bureau	$2,360	$197
CSAA	$2,411	$201
Country Financial	$2,517	$210
CSAA	$2,552	$213
Nationwide	$2,561	$213
Nationwide	$2,595	$216
Mercury	$2,632	$219
Country Financial	$2,670	$223
Iowa Farm Bureau	$2,781	$232
Nationwide	$2,795	$233
Mercury	$2,843	$237
Nationwide	$3,153	$263
The General	$3,177	$265
The General	$3,348	$279
The General	$3,449	$287
The General	$3,717	$310
The General	$3,746	$312
The General	$4,129	$344
The General	$4,428	$369
The General	$4,634	$386
The General	$4,852	$404

Premium increase amounts vary depending on the severity of the driving infraction. For instance, individuals with a speeding ticket will see an average premium increase of $338, while those with a DUI will pay $692 more. Despite this, it is still possible to buy inexpensive car insurance even if you have a bad driving record.

Cheapest Car Insurance in Tucson for Teens and Their Families

The most affordable insurance companies for 16-year-old teens on their families' plans are as follows:

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

The most expensive auto insurance provider for teens is Allstate, with families paying an annual rate of $4,745 for male teens or $3,438 for female teens. Insurers often charge male teens higher premiums because they are high-risk drivers. This rate discrepancy can vary significantly between companies and tapers off by early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Travelers	$934	$1,469
Travelers	$985	$1,517
Travelers	$1,034	$1,626
Travelers	$1,045	$1,796
Travelers	$1,069	$1,680
Travelers	$1,119	$1,724
Travelers	$1,147	$1,989
Travelers	$1,149	$1,941
Travelers	$1,192	$1,836
Travelers	$1,283	$2,180
Auto-Owners Insurance Co	$1,286	$2,662
Travelers	$1,308	$2,209
Travelers	$1,310	$2,489
Auto-Owners Insurance Co	$1,335	$2,887
Auto-Owners Insurance Co	$1,362	$2,820
Auto-Owners Insurance Co	$1,406	$3,040
Travelers	$1,407	$3,017
State Farm	$1,420	$3,983
Farmers	$1,421	$2,241
Auto-Owners Insurance Co	$1,447	$3,384
Travelers	$1,464	$2,488
Farmers	$1,466	$2,373
Auto-Owners Insurance Co	$1,469	$3,457
Travelers	$1,472	$2,836
Auto-Owners Insurance Co	$1,481	$3,203
Auto-Owners Insurance Co	$1,490	$3,742
Nationwide	$1,510	$2,741
GEICO	$1,511	$3,683
Nationwide	$1,537	$4,137
Allstate	$1,552	$2,300
Nationwide	$1,552	$3,059
Auto-Owners Insurance Co	$1,560	$3,230
State Farm	$1,570	$4,404
Allstate	$1,575	$2,333
Allstate	$1,578	$2,338
Progressive	$1,579	$1,973
Allstate	$1,588	$2,441
State Farm	$1,614	$4,424
Travelers	$1,634	$3,502
GEICO	$1,635	$1,851
Auto-Owners Insurance Co	$1,643	$3,609
State Farm	$1,650	$5,333
GEICO	$1,652	$2,025
GEICO	$1,655	$2,363
Nationwide	$1,659	$4,991
GEICO	$1,660	$1,880
Travelers	$1,670	$3,579
Progressive	$1,674	$2,059
Progressive	$1,691	$3,040
GEICO	$1,692	$2,075
Nationwide	$1,696	$3,079
State Farm	$1,710	$4,797
Allstate	$1,713	$2,488
GEICO	$1,726	$2,480
Travelers	$1,727	$4,510
GEICO	$1,734	$2,235
GEICO	$1,734	$2,136
Auto-Owners Insurance Co	$1,745	$4,986
GEICO	$1,755	$1,987
Auto-Owners Insurance Co	$1,758	$4,413
Allstate	$1,768	$2,564
GEICO	$1,769	$2,170
State Farm	$1,774	$5,778
Nationwide	$1,776	$3,224
GEICO	$1,779	$4,946
Nationwide	$1,779	$3,872
Auto-Owners Insurance Co	$1,785	$3,921
Auto-Owners Insurance Co	$1,797	$4,307
Allstate	$1,803	$2,619
State Farm	$1,815	$4,976
Allstate	$1,819	$2,797
Nationwide	$1,820	$3,587
Allstate	$1,833	$2,663
Progressive	$1,836	$3,292
Progressive	$1,850	$2,313
Progressive	$1,853	$2,280
GEICO	$1,863	$2,677
GEICO	$1,876	$2,930
GEICO	$1,876	$2,966
GEICO	$1,897	$2,708
Nationwide	$1,904	$4,599
Nationwide	$1,911	$3,766
State Farm	$1,928	$6,229
Progressive	$1,944	$3,903
Progressive	$1,944	$2,879
Progressive	$1,958	$2,825
Progressive	$1,970	$3,540
GEICO	$1,976	$4,819
Travelers	$1,979	$4,242
GEICO	$1,989	$5,532
State Farm	$2,008	$5,504
Progressive	$2,009	$2,471
Farmers	$2,014	$4,147
Allstate	$2,015	$2,931
State Farm	$2,033	$6,619
State Farm	$2,033	$7,465
Progressive	$2,044	$2,555
Travelers	$2,062	$5,514
Auto-Owners Insurance Co	$2,097	$4,764
Nationwide	$2,123	$6,828
Farmers	$2,137	$4,569
Allstate	$2,143	$3,441
Farmers	$2,148	$3,945
State Farm	$2,163	$6,911
Auto-Owners Insurance Co	$2,164	$6,005
Progressive	$2,183	$4,422
Nationwide	$2,193	$7,903
Nationwide	$2,193	$7,903
GEICO	$2,194	$7,824
GEICO	$2,194	$7,544
Farmers	$2,221	$4,573
Farmers	$2,234	$5,081
Progressive	$2,241	$8,504
Nationwide	$2,243	$8,444
Progressive	$2,246	$4,027
Farmers	$2,264	$4,358
Farmers	$2,272	$10,051
Allstate	$2,288	$3,319
Nationwide	$2,296	$6,180
Farmers	$2,302	$4,923
Auto-Owners Insurance Co	$2,304	$5,234
Farmers	$2,313	$3,647
Farmers	$2,328	$5,440
State Farm	$2,329	$8,535
Farmers	$2,354	$3,711
Auto-Owners Insurance Co	$2,356	$6,059
Farmers	$2,401	$10,881
Farmers	$2,410	$3,901
Auto-Owners Insurance Co	$2,454	$6,810
Nationwide	$2,481	$9,374
Progressive	$2,486	$9,503
Farmers	$2,487	$4,026
Auto-Owners Insurance Co	$2,492	$7,933
Farmers	$2,500	$11,057
State Farm	$2,535	$9,280
State Farm	$2,537	$8,106
Allstate	$2,575	$4,236
Nationwide	$2,589	$10,772
Nationwide	$2,589	$10,772
Nationwide	$2,650	$11,530
State Farm	$2,660	$9,748
Farmers	$2,663	$12,068
Nationwide	$2,668	$8,027
State Farm	$2,674	$11,115
Progressive	$2,717	$11,871
Progressive	$2,780	$10,546
Farmers	$2,784	$15,842
Allstate	$2,799	$4,072
State Farm	$2,934	$10,640
Farmers	$2,968	$17,400
Progressive	$2,978	$13,034
Progressive	$3,037	$11,607
Allstate	$3,297	$5,208
State Farm	$3,363	$12,197
State Farm	$3,378	$13,911
Allstate	$3,407	$5,382
Allstate	$3,438	$5,703
Allstate	$4,500	$6,455
Allstate	$4,651	$6,673
Allstate	$4,745	$7,295

Families can save thousands yearly by adding a teen to their policy versus purchasing a separate one. In Tucson, individual coverage for a male teen costs $2,895 more than adding him to a family policy. Shopping around for the cheapest vehicle insurance for teens is a great way to maximize savings.

Cheapest Car Insurance in Tucson for Military Drivers

The most affordable military car insurance providers for a full coverage policy in Tucson are:

Root Insurance: $649 per year
Auto-Owners Insurance: $679 per year

For a minimum coverage policy, USAA is the cheapest, at $216 per year, while Mercury is the second cheapest, at $300 per year. USAA is another company to consider, as it caters to the specific needs of military members and their families.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$216	$18
USAA	$217	$18
USAA	$253	$21
Auto-Owners Insurance Co	$298	$25
Mercury	$300	$25
Auto-Owners Insurance Co	$305	$25
Mercury	$306	$26
Travelers	$334	$28
Travelers	$357	$30
Travelers	$372	$31
Country Financial	$391	$33
Country Financial	$396	$33
State Farm	$403	$34
Root Insurance Company	$413	$34
Auto-Owners Insurance Co	$415	$35
Root Insurance Company	$418	$35
Mercury	$425	$35
State Farm	$428	$36
Root Insurance Company	$441	$37
GEICO	$461	$38
GEICO	$485	$40
Hartford	$487	$41
Allstate	$492	$41
Progressive	$499	$42
Progressive	$503	$42
Iowa Farm Bureau	$509	$42
State Farm	$521	$43
Farmers	$526	$44
Nationwide	$528	$44
Farmers	$546	$46
Iowa Farm Bureau	$548	$46
Hartford	$549	$46
Country Financial	$550	$46
GEICO	$554	$46
Nationwide	$555	$46
Allstate	$566	$47
Allstate	$571	$48
Progressive	$579	$48
Farmers	$644	$54
Root Insurance Company	$649	$54
Root Insurance Company	$652	$54
Auto-Owners Insurance Co	$659	$55
Iowa Farm Bureau	$664	$55
CSAA	$669	$56
Auto-Owners Insurance Co	$679	$57
USAA	$680	$57
Root Insurance Company	$693	$58
Nationwide	$695	$58
Travelers	$710	$59
Travelers	$721	$60
USAA	$722	$60
Hartford	$729	$61
CSAA	$782	$65
GEICO	$792	$66
GEICO	$795	$66
State Farm	$827	$69
Travelers	$854	$71
USAA	$867	$72
Hartford	$875	$73
CSAA	$886	$74
State Farm	$897	$75
Progressive	$908	$76
Auto-Owners Insurance Co	$933	$78
Allstate	$938	$78
Iowa Farm Bureau	$942	$79
Progressive	$946	$79
Mercury	$957	$80
Hartford	$970	$81
GEICO	$978	$82
Mercury	$1,011	$84
Iowa Farm Bureau	$1,015	$85
Farmers	$1,020	$85
Allstate	$1,025	$85
Farmers	$1,067	$89
Allstate	$1,076	$90
Nationwide	$1,095	$91
State Farm	$1,140	$95
Progressive	$1,177	$98
CSAA	$1,185	$99
Iowa Farm Bureau	$1,196	$100
Country Financial	$1,204	$100
Nationwide	$1,234	$103
The General	$1,253	$104
Farmers	$1,285	$107
Country Financial	$1,348	$112
Hartford	$1,371	$114
CSAA	$1,380	$115
The General	$1,404	$117
Mercury	$1,426	$119
Nationwide	$1,483	$124
CSAA	$1,563	$130
Country Financial	$1,726	$144
The General	$1,867	$156
The General	$2,653	$221
The General	$2,738	$228
The General	$3,832	$319

How to Compare Cheap Tucson Car Insurance Quotes Online

Getting an online quote from just one company in Tucson can take 15 minutes or longer while you input your personal information. Instead, MoneyGeek's auto insurance calculator makes it easy to get multiple quotes quickly with just your age, vehicle type, driving record and desired coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Arizona

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$395

2.GEICO

$413

3.CSAA

$516

4.Country Financial

$574

5.Hartford

$576

Best Car Insurance in Tucson: Summary

MoneyGeek found that the top car insurance providers in Tucson, Arizona, for you, based on service, pricing, coverage and other factors, are:

Best overall: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)
Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
Best cheap: Auto-Owners Insurance (MoneyGeek score of 84 out of 100)

Auto-Owners Insurance’s excellent service and affordability make it Arizona’s top car insurance provider. Its MoneyGeek scores in each category demonstrate the company has achieved a balance between service and affordability. For military personnel, USAA is the best option for car insurance, with a MoneyGeek score of 83 out of 100.

Best Overall Car Insurance in Tucson

The best car insurance companies in Tucson are:

Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($679 per year)
Travelers: MoneyGeek score of 76 out of 100 ($721 per year)

Auto-Owners Insurance scored highly for overall affordability, customer satisfaction and claims handling compared to 12 other competitors. USAA is a highly recommended auto insurance provider for military members, scoring 83 out of 100 and averaging yearly premiums of $722.

How was this MoneyGeek score calculated?

pros

Ranks #1 for claims management

High claims management score

Ranks #2 for affordability

cons

Lacks original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

With an average annual premium of $679 for full coverage, Auto-Owners Insurance is the second-cheapest insurer in Tucson, making it a great option for customers looking for top-quality customer service and affordability. Auto-Owners Insurance provides an array of coverages that are beneficial to different types of customers.

For instance, its diminished value coverage ensures you are compensated for any reduction in your car's value due to an accident, even after it is repaired. Additionally, the company offers deductible modification coverage, which waives your collision deductible if you're involved in an accident with another vehicle insured by Auto-Owners. The insurer also provides a common loss deductible option. This feature reduces or even waives your auto deductible if you have a loss involving damage to your home and car.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Tucson for Customer Service

Excluding cost from our scoring system, the Tucson car insurance companies offering the best customer service are:

Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($679 per year)
Country Financial: MoneyGeek score of 65 out of 100 ($1,348 per year)

Auto-Owners Insurance stands out among the 12 other insurers for its policyholder satisfaction and efficient claims processing. Not only does the company provide superior service, but its premiums are also competitively priced.

How was this MoneyGeek score calculated?

pros

Best for customer satisfaction

Ranks top for claims handling

cons

Lacks some unique coverages

COMPANY HIGHLIGHTS

According to J.D. Power's studies and the NAIC customer complaint index, Auto-Owners Insurance offers exceptional customer service. In addition, the company provides a variety of add-on coverages, such as gap insurance coverage, which covers the difference between your car's value and the amount on your loan if the vehicle is totaled.

This insurer also offers at-fault accident forgiveness, which waives the accident surcharge for your first at-fault accident after remaining claims-free for at least 36 months. To further protect policyholders, Auto-Owners Insurance offers its Personal Automobile Plus package that bundles optional add-ons for a competitive rate and includes identity theft coverage, lock re-keying and cell phone replacements.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance in Tucson

Based on an analysis of affordability and service quality, the best minimum coverage policies in Tucson are:

Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($305 per year)
Travelers: MoneyGeek score of 79 out of 100 ($334 per year)

Although premiums for minimum coverage policies are inexpensive, they provide little protection from liability costs and no coverage for damages to your vehicle after an accident.

How was this MoneyGeek score calculated?

pros

Ranks #2 for affordability

Excellent customer service

Ranks #1 for claims management

Offers extensive discounts

cons

Lacks some essential coverages

COMPANY HIGHLIGHTS

Auto-Owners Insurance stands out from its competitors by offering competitive premiums and discounts to help customers save on their auto insurance. For example, its Safety Features Discount rewards policyholders who install safety features like airbags, anti-lock brakes and anti-theft systems in their cars.

Students can get a discount of up to 20% if they maintain a cumulative grade-point average of B or higher. Plus, students studying 100 miles or more from home and keeping their vehicle at home may be eligible for distant student discounts.

Enrolling in paperless billing and paying policy premiums online may qualify you for a paperless discount. The company's responsible payment discount is also available to those who have paid their premiums on time for the last 36 months. All this and more make this insurer ideal for those looking for a great deal on auto insurance.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Tucson

MoneyGeek data indicates that Tucson drivers pay an average of $1,087 for a full coverage policy, which is $106 less than the average insurance cost in Arizona ($1,193) and $178 less than the national average ($1,265) as of October 2022.

These rates are for a policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Though Arizona rates are generally cheaper than the national average, Tucson is even more affordable, reflecting the city’s lower population density. It is important to note that factors other than location can also considerably affect car insurance rates.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Tucson, AZ

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On This Page:

Cheapest Minimum Liability Car Insurance in Tucson

Cheapest Full Coverage Car Insurance in Tucson

Cheapest Car Insurance in Tucson After a Driving Offense

Cheapest Car Insurance in Tucson for Teens and Their Families

Cheapest Car Insurance in Tucson for Military Drivers

How to Compare Cheap Tucson Car Insurance Quotes Online

Best Car Insurance in Tucson: Summary

Best Overall Car Insurance in Tucson

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Tucson for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Tucson

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Tucson