Car insurance in Tucson costs an average of $1,167 per year, 9.1% less than the Arizona average. The most affordable insurance company for the average driver is GEICO, with a cost of roughly $669 per year. MoneyGeek ranked the cheapest providers across different coverage levels and driving profiles. If you are looking for affordable and high-quality car insurance coverage in the city, MoneyGeek rated the best providers to help you make the right choice.
bestauto insuranceTucson2021The Cheapest and Best Car Insurance in Tucson
The Cheapest Car Insurance Companies in Tucson
Based on MoneyGeek’s study, the most affordable insurance providers for a full coverage policy in Tucson are:
- GEICO: $669 per year
- USAA: $720 per year (only available for military members and their families)
MoneyGeek collected information about average car insurance rates in Tucson for a sample driver. For this study, the driver has a full coverage policy that includes both liability insurance and comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$669
- 2.$720
- 3.$903
- 4.$904
- 5.$1,012
Average Cost of Car Insurance in Tucson
Tucson$1,167
Arizona$1,284
U.S.$1,424
The average annual cost of car insurance in Tucson is $1,167, which is lower than both the state and national averages. Policyholders in Tucson pay around 9.1% less than the typical annual cost of auto coverage in Arizona and around 18.1% less than the national average.
The Best Car Insurance Companies in Tucson
Tucson drivers looking to balance quality service and affordability can use MoneyGeek’s insurance company ratings. Based on our exclusive scoring system, the best auto insurance providers in the city for most drivers are:
- GEICO: MoneyGeek score of 90 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received the highest score in Tucson by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek analyzed a wide array of factors when determining the scores out of 100. The criteria include J.D. Power’s user satisfaction, financial stability and affordability scores.
1
USAA
Score:100
2
GEICO
Score:90
3
State Farm
Score:85
4
Allstate
Score:83
5
CSAA
Score:83
6
Liberty Mutual
Score:83
7
American Family
Score:80
8
Travelers
Score:80
9
Safeco
Score:78
10
Farmers
Score:78
11
Progressive
Score:78
12
Nationwide
Score:75
Personalized Quotes to Get You the Cheapest Car Insurance in Tucson
Drivers who are interested in getting car insurance in Tucson can get the most accurate car insurance quotes when they request a personalized quote since several factors are taken into consideration when auto insurance companies compute car insurance rates. Some of these factors include age, location, credit score, make and model of the vehicle and driving record.
For instance, in Tucson, an auto insurance plan from GEICO for a 70-year-old male driver is roughly half as expensive as a policy for an 18-year-old driver.
Different car insurance companies have different discounts and promos available, and since your circumstances change over time, it would be a wise move to frequently request personalized car insurance quotes from different companies.
Shopping around for car insurance in Tucson could save you $498, which is enough to buy:
166Cups of Coffee
38Months of Your Favorite Streaming Service
Cheapest Car Insurance in Tucson by Coverage Amount
In Tucson and other Arizona cities, the level of coverage you purchase influences how much you pay for car insurance. The minimum liability policy, for example, costs an average of $578 per year, while a full coverage policy with higher limits costs around $1,167, or $589 more.
Arizona Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Car insurance liability coverage of 50/100/50 means the maximum amount the policy will pay for an injury to one individual is $50,000, totaling $100,000 for each vehicle, with a maximum payout of $50,000 for property damage repair.
A 50/100/50 full-coverage plan from GEICO, which also pays for your own expenses in case of an accident, costs an average of $134 more than a 50/100/50 liability-only policy from the same company. You may be able to get qualifying discounts and promos, depending on your circumstances, so it’s best to request personalized quotes from different car insurance companies in Tucson.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$321$441
- 2.$319$394
- 3.$459$619
- 4.$486$583
- 5.$561$695
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$575$669
- 2.$676$720
- 3.$820$904
- 4.$867$903
- 5.$1,023$1,114
Cheapest Car Insurance in Tucson if You Have Driving Violations
Since car insurance companies in Tucson assess your risk as a driver, it makes sense that having a clean driving record will get you more affordable car insurance quotes. In Tucson, for instance, a Nationwide policy for a driver with a clean record costs an average $122 less than similar coverage for a driver with a speeding ticket.
Car insurance companies also take note of drivers with a DUI on their record, as their policies will be more expensive. For example, an Allstate policy for a driver with a DUI conviction costs $766 more than similar coverage for a driver with a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$792$963$1,330
- 2.$1,047$1,047$1,047
- 3.$913$1,088$1,655
- 4.$1,226$1,542$1,063
- 5.$1,025$1,318$1,568
Average Cost of Car Insurance by Postal Code
Your residential neighborhood is also considered in the computation of your car insurance rates in Tucson since various risks are present in different locations. Drivers living in ZIP code 85713, for example, will pay around $38 more for their car insurance premiums than drivers living in 85710.
- Zip CodeState Minimumper year
- 85710$1,148
- 85706$1,161
- 85705$1,174
- 85713$1,186
top ratedCar Insurance agentsTucson2021Top Agents Offering Affordable Car Insurance in Tucson
1. David Tick - State Farm Insurance Agent3323 N Campbell Ave, Ste 3, Tucson, AZ, 85719
2. Merrie Connon - State Farm Insurance Agent10222 E Rita Rd, Ste 110, Tucson, AZ, 85747
3. Halsi Insurance Services7670 E Broadway Blvd, Ste 250, Tucson, AZ, 85710
4. Shaner Insurance Group1250 S 4th Ave, Ste 150, Tucson, AZ, 85713
5. Tucson Insurance1610 N Kolb Rd, Tucson, AZ, 85715
Insurance Providers That Serve Tucson
Factors That Impact Insurance Costs in Tucson
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Tucson. How Tucson ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Tucson are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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