Tucson, AZ Auto Insurance | Cheap Car Insurance in Tucson, AZ

Tucson, AZ auto insurance requires you have 15/30/10 in liability coverage. Cheap car insurance in Tucson, AZ is available from Farmers, State Farm, Liberty Mutual, Nationwide, and Safe Auto.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Apr 27, 2022

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Cheap car insurance in Tucson, AZ is offered by Farmers at a low average cost of $32 monthly. The best Tucson, AZ car insurance companies, like Farmers, State Farm, Nationwide, and Safe Auto also offer competitive premiums. Arizona auto insurance has a 15/30/10 minimum liability coverage.

This means liability insurance pays if the driver is responsible for an accident. Carrying more than the Tucson, AZ auto insurance minimum is recommended or you may find yourself in trouble should you have an accident. Affordable car insurance in Tucson can be easily found, even if you opt for full coverage.

Tucson may have a past full of Native American, Spanish, Mexican, and American Pioneer influence, but the city has developed into even more. Culture is thriving in Tucson, with symphonies, ballets, theatrical productions, and even opera.

Additionally, Tucson is in the heart of the “Silicon Desert” with many information and high-tech jobs. It also boasts a sunny and warm climate almost year-round.

Fun fact: Did you know that Tucson is #1 on the list of “Top 101 cities with the largest percentage of males in occupations: Occupational and physical therapist assistants and aides (population 50,000+)? Learn more about Tucson, AZ below.

Are you looking for cheap auto insurance in Tucson, AZ? At AutoInsuranceEZ.com, you will discover the best insurance rates close to you.

To receive free auto insurance quotes in Tucson, AZ from the leading providers today, enter your zip code into the quote box on this page. Cheap insurance in Tucson can be easily found with our help.

What are the auto insurance coverage requirements in Arizona?

If you want to drive legally in Arizona, you need to purchase the following coverage from one of the insurance companies in Tucson:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 25,000
Uninsured Motorist Bodily Injury Not required 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Keep in mind that just because Comprehensive, Collision, and other forms of coverage aren’t required doesn’t mean you shouldn’t look into them. The extra expense could be worth it in the long run.

Full coverage auto insurance in Tucson, AZ is offered through many companies. Need more information on car insurance in Arizona? See more info below.

Most motorists in Arizona typically have to pay around $67 per month or more for their insurance coverage. But did you know that Tucson drives can get covered for as little as $42/mo*?

Keep reading, and we’ll show you how to find the right company that offers the most discounts for drivers seeking cheap full coverage car insurance in Tucson, AZ. A few of the companies that offer car insurance in Tucson, AZ are compared by rates in the chart below.

Tucson, AZ Average Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 1020304050607080$36$36$42$42$47$42$42$46$71$39Do Not Sell$60$56$50$80$61$63$69$77$81

Liberty Mutual, Farmers, and State Farm are offering some of the cheapest car insurance in Tucson, AZ right now. But is that the most important aspect of your search? Do they offer low rates and excellent customer service?

Are they the cheapest, but with a convoluted claims process? Just because they are offering the lowest rate doesn’t mean they are the best company.

There are other Tucson auto insurance companies, such as Safeco Insurance in Tucson, Safe Auto Tuscon, AZ or Budget Insurance Tucson, AZ who may offer rates in your range. Regardless, you need to research all aspects of your insurance provider before you make a decision.

Auto insurance companies contemplate numerous elements when figuring out Tucson, AZ auto insurance quote(s), including driving violations, accident claims, occupation, education, and business use of the vehicle.

Also, keep in mind that premiums change from carrier to carrier. To make sure you’re still getting the cheapest rate, compare cheap Tucson auto insurance quotes online. Affordable auto insurance in Tucson, AZ is waiting!

Enter your ZIP code below to compare auto insurance rates.

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How can I get cheap car insurance in Tucson, AZ?

There are several ways in which your car insurance rate might be calculated. But not all of it is out of your control; there are steps you can take to be able to control what discounts you are entitled to acquire. The following are a few of these components in greater detail:

Your City

Where you park your car each night will have a major impact on your auto insurance rate when looking for cheap car insurance in Tucson, AZ.

Generally, car insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle. The population of Tucson is 526,116 and the average median household income is $35,720.

Arizona Average Monthly Auto Insurance Rates by CityLegend: Chandler Phoenix Tucson Mesa Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto Allstate 510152025303540455055606570$31$36$30$28$26$36$47$38$39$37$41$71$39$52$37$46$56$43$48$46$48$63$59$48$50$49$65$42$53$49

As you can see, car insurance in Tucson is less than in Phoenix no matter which company you go with.

Automotive Accidents

Between 2012 and 2013, most of Tucson’s accident statistics fell – except for the number of pedestrians involved in fatal accidents. That number has risen to 26, as you can see in the chart below.

Why is it important to know about accident statistics? Because your insurance company may charge you higher rates for living in a zip code that suffers frequent accidents.

Fatal Accidents in Tucson, AZLegend: Tucson Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 1020304050607080901004665124610626

Auto Thefts in Tucson

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs.

The total number of stolen vehicles in Tucson was 2,190 back in 2013. That statistic is a little high, considering the population. For a little extra money each month, though, you can protect yourself from auto theft by adding Comprehensive coverage to your insurance policy.

Tucson, AZ Basic vs. Comprehensive Average Monthly Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 102030405060708090100110120130140150160$36$72$47$95$71$164$56$89$63$137

Your Credit Score

Depending on your credit, a poor score can end up nearly doubling your monthly rate. Luckily, Arizona’s average insurance rates are fairly low to start with, so it may not break your budget. And there are local providers who still offer low-cost auto insurance in Tucson, AZ, in spite of poor credit.

Tucson, AZ Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 102030405060708090100$23$63$31$72$29$67$39$57$55$102

Your Age

The younger you are, and the less experience you have behind the wheel, the more you can expect to pay for your automotive insurance each month. As you can see in the chart below, a teenage driver (without any Good Student or Defensive Driving discounts) has to pay a lot more each month.

Tucson, AZ Average Monthly Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 153045607590105120135150165180195210225240255270$36$274$47$89$71$97$56$97$63$201

To receive auto insurance quotes for Tucson insurance companies, use our comparison tool! We will help you easily find cheap car insurance in Tucson, AZ.

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Your Driving Record

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage altogether.

Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.

Tucson, AZ Average Monthly Auto Insurance Rates by Driving RecordLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 1020304050607080$36$36$42$42$47$42$42$46$71$39Do Not Sell$60$56$50$80$61$63$69$77$81

As you can see, your driving record can greatly influence Tucson, AZ auto insurance quotes, and rates in other areas.

Your Vehicle

For affordable, compact, fuel-efficient sedans, your Tucson, AZ car insurance cost rates will be much lower than if you choose to purchase and drive around in a luxury vehicle. More expensive cars require more coverage and more expensive policies.

Tucson, AZ Average Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 153045607590105120135150165180195210225240$36$106$47$138$71$252$56$148$63$217

For more other factors that can affect auto insurance quotes in Tucson, AZ, read on.

What are the minor Tucson, AZ auto insurance factors?

Although the following may seem important to most, they don’t always have a significant impact on your monthly rates or insurance quotes in Tucson, AZ:

Your Marital Status

Whether you are single or married, as an individual, your marital status will not influence your monthly rate by more than a few percentage points, if at all. However, married couples can get access to lower rates by bundling their policies together with the same company.

You can get further discounts by bundling homeowner’s insurance, or renter’s insurance to your auto policies.

Your Gender

This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. In fact, many companies these days charge the exact same rate, all other things being equal.

Your Driving Distance to Work

The average commute for Tucson motorists can last around 14-26 minutes with some commutes lasting as long as 25 minutes.

Nearly 75% of all commuters choose to drive their own car to work, while a little over 13% may carpool. Differences in rates based on commute in Arizona can be seen in the chart below.

Tucson, AZ Average Annual Auto Insurance Rates by Commute

Group10 Miles Commute/ 6,000 Annual Miles25 Miles Commute/ 12,000 Annual Miles
American Family$4,110.32$4,190.54
State Farm$4,631.04$4,870.20
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As you can see from the chart, there isn’t a major difference in rates from most companies based on commute.

If you have your vehicle listed on your insurance policy as a business vehicle, you can expect to pay around 10% more, regardless of how often you drive each year. Total miles driven, as well as your purpose on the road (work/school/pleasure) won’t alter your monthly premiums by more than 1-2%.

Your Coverage and Deductibles

Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy.

If you feel you need more than the mandatory minimum coverage, but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.

Education in Tucson, AZ

Some people believe that having a prestigious job or a high salary will get them lower insurance rates. But the truth is that improving your level of education can also yield improvements in your car insurance rate.

For Tucson, most drivers have a high school diploma or less. But many motorists have at least one year of college under their belt if not a full four-year degree.

There are several institutions of higher learning to choose from in Tucson. The University of Phoenix has a campus in Tucson, as well as Prima Community College and the University of Arizona, with 18 different colleges and 12 unique schools to choose a degree from.

Finding affordable auto insurance in Tucson, AZ can be a hassle. There’s a lot of information you need to consider, and figuring out how insurance companies evaluate your potential risk can be complicated.

But don’t let the wrong insurance company talk you into purchasing the wrong policy. The best car insurance in Tucson, AZ can differ based on the driver.

Find Cheap Car Insurance in Tucson, AZ

*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. Use our comparison tool below to easily find cheap car insurance in Tucson.

Start Comparing Quotes Now – These Companies Offer Lowest Rates on Auto Insurance in Tucson, AZ

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