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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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)

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.

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.

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.

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.