Cheap Auto Insurance in Tucson, Arizona (2024)
Auto-Owners offers the cheapest full-coverage car insurance in Tucson, with rates starting at $72 per month.
Excellent
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Tucson drivers pay an average of $166 per month for a full-coverage policy, which is lower than Arizona state average of $180 per month. The city's relatively low number of traffic fatalities may be a factor in its lower car insurance rates. Just 1.5% of Tucson's 4,648 traffic accidents in 2023 were fatal, according to data from the Tucson Police Department.
Auto-Owners, Mile Auto, and State Farm have the cheapest average quotes in Tucson. Your exact insurance costs will vary depending on your driving history, age, vehicle type, insurer, and more. Here’s what you need to know about finding cheap insurance in Tucson.
Quick Facts
Liability-only insurance costs $88 per month for Tucson drivers, on average.
Insurers in Arizona can consider your credit history when determining your car insurance premium.
In Arizona, 11.8% of drivers are uninsured.[1]
Best car insurance companies in Tucson
The best car insurance company for you will vary depending on your specific driving circumstances and insurance needs. If you’re looking for affordable auto insurance in Tucson, start with the three cheapest car insurance companies in the city below.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $77 | $46 | Cheap Rates |
| Mile Auto | 7.5 | $88 | $51 | Low-mileage drivers |
| State Farm | 9.3 | $95 | $57 | Teen drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $43/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $72/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners is the cheapest option for Tucson drivers, and it’s also a good choice for classic car owners. You can receive a multi-car discount if you insure a classic car with other vehicles. Auto-Owners has an A++ (Superior) financial strength rating from AM Best, which means the company consistently pays out its claims and meets its financial obligations. While the company ranked higher-than-average in the Southwest region in the 2023 U.S. Auto Claims Satisfaction Study, it scored well below average for overall customer satisfaction.
Pros
Provides specialized insurance for classic car owners
A++ (Superior) rating from AM Best
Cons
Below-average customer satisfaction ranking in Southwest region in J.D. Power 2023 U.S. Auto Insurance Study
Can only receive an insurance quote through an Auto-Owners independent agent
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $82/mo |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto offers pay-per-mile policies, which allow low-mileage drivers to save on auto insurance. Its rates include a base rate per month, plus a per-mile charge for the actual miles you drive each month. The company doesn’t require you to install a tracking device on your vehicle, so it’s a good option for drivers who value their privacy. Mile Auto doesn’t advertise additional coverage or discounts.
Pros
Quality coverage for low-mileage drivers
No requirement to use a tracking device on your vehicle
Cons
Doesn’t offer any discounts or options to bundle
Limited information available on company website
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $53/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers a variety of coverage options, including collision insurance, comprehensive coverage, rental car coverage, and rideshare insurance. It’s also often the most affordable option for young drivers. Teenagers can save up to 25% on auto insurance by getting good grades in school. Plus, State Farm offers other discounts young drivers can take advantage of, including its Steer Clear program.
Pros
Young drivers can save up to 25% on auto insurance
Ranked the highest of all insurers in the Southwest for customer satisfaction in J.D. Power's 2023 U.S. Auto Insurance Study
Cons
Doesn’t offer gap insurance
Low Trustpilot rating of 2.5 stars out of a possible 5
How to get the cheapest car insurance in Tucson
Here are four strategies Tucson drivers can use to save money on auto insurance:
Choose a higher deductible. A deductible is the amount you’ll pay out of pocket before your collision or comprehensive insurance coverage kicks in. Setting a higher deductible can result in lower premiums because a higher deductible means less risk for the insurance company.
Bundle your policies. Most insurance companies will offer you a discount when you purchase two or more insurance products. So one easy way to save money on insurance is by bundling your auto insurance with your renters or homeowners insurance.
Take advantage of discounts. Most insurance companies offer a variety of discounts to customers. You can also save by maintaining a good driving record, choosing a safe vehicle, or being a long-term customer.
Compare quotes. You can find the best prices by comparing auto insurance quotes from at least three different insurers. You can contact these companies directly, speak to a local insurance agent, or use an insurance-comparison tool to receive a free quote from multiple companies.[2]
Cheapest liability-only car insurance in Tucson: Auto-Owners
Drivers who need to reduce their insurance costs often opt to buy liability-only coverage. Liability insurance covers the cost of bodily injury and property damage you cause the other driver and their passengers in an accident. It won’t pay for your medical bills or vehicle damage.[3]
The following table includes the cheapest liability-only quotes in Tucson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $43 |
| Mile Auto | $48 |
| State Farm | $53 |
| GEICO | $54 |
| USAA | $59 |
| Metromile | $71 |
| Root | $73 |
| Sun Coast | $75 |
| National General | $78 |
| Allstate | $89 |
| Progressive | $92 |
| Travelers | $92 |
| Mercury | $94 |
| Safeco | $96 |
| Dairyland | $99 |
| Direct Auto | $102 |
| American Family | $104 |
| COUNTRY Financial | $104 |
| Clearcover | $106 |
| The Hartford | $106 |
| Farmers | $107 |
| The General | $109 |
| Bristol West | $120 |
| GAINSCO | $120 |
| Nationwide | $120 |
| Commonwealth Casualty | $149 |
| AssuranceAmerica | $151 |
| Liberty Mutual | $158 |
| Foremost | $197 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Tucson: Auto-Owners
Full-coverage auto insurance provides you the most vehicle protection. This policy type includes liability, collision, and comprehensive insurance to cover damages to your vehicle. You may want this coverage if you have a new or valuable vehicle. If you lease or finance your car, your lender may even require it.
You can find the cheapest full-coverage quotes from Tucson insurers below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $72 |
| Mile Auto | $82 |
| State Farm | $89 |
| GEICO | $92 |
| USAA | $99 |
| Root | $114 |
| Metromile | $119 |
| Safeco | $142 |
| Allstate | $148 |
| Sun Coast | $148 |
| Travelers | $153 |
| Mercury | $162 |
| Progressive | $165 |
| COUNTRY Financial | $173 |
| American Family | $175 |
| Clearcover | $177 |
| The Hartford | $178 |
| Farmers | $180 |
| National General | $185 |
| Nationwide | $201 |
| Direct Auto | $219 |
| Bristol West | $233 |
| Liberty Mutual | $238 |
| Dairyland | $250 |
| The General | $253 |
| AssuranceAmerica | $268 |
| GAINSCO | $278 |
| Foremost | $358 |
| Commonwealth Casualty | $364 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Tucson, Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $47/mo for full coverage in Tucson and other Arizona cities.
*Quotes generated for Insurify users in and around Tucson, Arizona within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tucson, Arizona within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Drivers in Arizona must carry a minimum amount of bodily injury and property damage liability to legally drive in the state. This liability insurance covers the costs of the other driver’s medical expenses and vehicle damage if you cause an accident.
Arizona law requires all drivers to meet the following minimum insurance requirements:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person and $50,000 per accident |
| Property damage liability | $15,000 per accident |
You may want to purchase additional coverages to provide more protection for you and your vehicle. Common optional coverages include the following:
Collision
This coverage pays for damages caused if you hit another car or object such as a tree, fence, or light pole. Collision also covers damage from rollover accidents or hitting a pothole. Your insurer will reimburse you for the cost of repairing your car after you pay the deductible.
Comprehensive
If you face vehicle damage from a non-collision incident, this coverage kicks in. For example, if your car is stolen or a tree falls on it, comprehensive coverage can apply. It also covers fire, and severe weather damage, including floods and hail.[5]
Medical payments
After an auto accident, medical payments coverage pays for doctor visits, hospital visits, or additional treatments needed due to injury, regardless of fault.[6]
Uninsured/underinsured motorist
This coverage protects you and your passengers if you have an accident with a driver with insufficient liability coverage. The coverage typically also applies after a hit-and-run.[7]
Cheapest car insurance for drivers with an incident
Your driving record is one of the biggest factors affecting your car insurance rates. Anytime you need to file a claim for an incident, you can expect your insurance premiums to go up.
The presence of a driving incident on your record — like speeding tickets, driving under the influence (DUI) charges, at-fault accidents, and other traffic violations — can lead your insurer to consider you a high-risk driver and re-evaluate your premiums. But drivers with imperfect records can still find ways to save on insurance.
“This includes taking advantage of discount programs, such as bundling auto insurance with a home or renters insurance policy, a multi-vehicle discount, paying your premium in full or signing up for paperless billing,” says Mark Friedlander, director of communications at the Insurance Information Institute.
In Tucson, drivers with motor vehicle violations pay an average of $210 per month for full coverage, and $111 for liability-only car insurance, Insurify data shows.
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
A history of speeding tickets can demonstrate risky behavior to your insurer, so receiving a speeding ticket typically causes your insurance premiums to go up. However, your insurance company will consider the violation details. For example, you can expect your premiums to increase more for exceeding the speed limit by 15 miles per hour than by 5 miles per hour.
If you’re looking for ways to lower your insurance premiums after a ticket, you might consider enrolling in a defensive driving program. State Farm, USAA, GEICO, and other insurers offer discounts for completing a defensive driving class.
In Tucson, drivers with speeding tickets see average full-coverage rates of $229 per month. Find the cheapest car insurance companies for Tucson drivers with a speeding ticket below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $56 |
| Mile Auto | $48 | $62 |
| State Farm | $53 | $67 |
| GEICO | $54 | $69 |
| USAA | $59 | $76 |
| Metromile | $71 | $97 |
| Root | $73 | $101 |
| Sun Coast | $75 | $103 |
| National General | $78 | $101 |
| Allstate | $89 | $114 |
| Progressive | $92 | $118 |
| Travelers | $92 | $119 |
| Mercury | $94 | $130 |
| Safeco | $96 | $125 |
| Dairyland | $99 | $127 |
| Direct Auto | $102 | $131 |
| American Family | $104 | $134 |
| COUNTRY Financial | $104 | $138 |
| Clearcover | $106 | $137 |
| The Hartford | $106 | $151 |
| Farmers | $107 | $137 |
| The General | $109 | $143 |
| Bristol West | $120 | $155 |
| GAINSCO | $120 | $166 |
| Nationwide | $120 | $156 |
| Commonwealth Casualty | $149 | $206 |
| AssuranceAmerica | $151 | $194 |
| Liberty Mutual | $158 | $219 |
| Foremost | $197 | $273 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident will typically cause your insurance premium to increase — especially because your insurer may have to pay out on the claim. The severity of the accident and how much damage it caused may influence how much your insurance premium increases.
Tucson drivers with an at-fault accident on their driving records, typically see average monthly rates of $233 for full coverage, and $124 for liability. You can find the cheapest liability-only rates for Tucson drivers with an at-fault accident below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $58 |
| Mile Auto | $48 | $66 |
| State Farm | $53 | $70 |
| GEICO | $54 | $72 |
| USAA | $59 | $79 |
| Metromile | $71 | $100 |
| Root | $73 | $104 |
| Sun Coast | $75 | $105 |
| National General | $78 | $104 |
| Allstate | $89 | $119 |
| Progressive | $92 | $124 |
| Travelers | $92 | $124 |
| Mercury | $94 | $135 |
| Safeco | $96 | $127 |
| Dairyland | $99 | $131 |
| Direct Auto | $102 | $139 |
| American Family | $104 | $139 |
| COUNTRY Financial | $104 | $145 |
| Clearcover | $106 | $153 |
| The Hartford | $106 | $157 |
| Farmers | $107 | $143 |
| The General | $109 | $149 |
| Bristol West | $120 | $160 |
| GAINSCO | $120 | $154 |
| Nationwide | $120 | $162 |
| Commonwealth Casualty | $149 | $195 |
| AssuranceAmerica | $151 | $198 |
| Liberty Mutual | $158 | $225 |
| Foremost | $197 | $281 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence is a serious offense that can result in fines, license suspension, and jail time. In Arizona, a first DUI offense can result in 10 days of consecutive jail time and a $1,250 fine.[8] Some insurance companies may choose not to renew your insurance policy after you have a DUI. If your insurer does let you keep your policy, you’ll likely face a significant premium increase.
The best way to save money after a DUI is by shopping around for the lowest premiums. Tucson drivers with DUIs on the records face average car insurance rates of $266 per month for full coverage and $141 for liability-only policies. Here are the cheapest average liability quotes for Tucson drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $70 |
| Mile Auto | $48 | $78 |
| State Farm | $53 | $86 |
| GEICO | $54 | $88 |
| USAA | $59 | $96 |
| Metromile | $71 | $115 |
| Root | $73 | $106 |
| Sun Coast | $75 | $120 |
| National General | $78 | $127 |
| Allstate | $89 | $145 |
| Progressive | $92 | $150 |
| Travelers | $92 | $150 |
| Mercury | $94 | $141 |
| Safeco | $96 | $145 |
| Dairyland | $99 | $161 |
| Direct Auto | $102 | $166 |
| American Family | $104 | $169 |
| COUNTRY Financial | $104 | $169 |
| Clearcover | $106 | $172 |
| The Hartford | $106 | $159 |
| Farmers | $107 | $174 |
| The General | $109 | $177 |
| Bristol West | $120 | $195 |
| GAINSCO | $120 | $195 |
| Nationwide | $120 | $195 |
| Commonwealth Casualty | $149 | $242 |
| AssuranceAmerica | $151 | $246 |
| Liberty Mutual | $158 | $257 |
| Foremost | $197 | $320 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Your age can affect your car insurance rates. Despite being some of the safest drivers, seniors older than 70 tend to pay more for car insurance than drivers a bit younger than them. Unfortunately, senior drivers have a higher likelihood of facing injury or death in an auto accident due to potential frailty and age-related physical vulnerabilities.
However, it’s possible for seniors to obtain discounts on car insurance. Most insurance companies will give senior drivers a discount for completing a defensive driving course. You can also save by joining an organization that caters to seniors, like AARP, which offers special rates through The Hartford.
The average cost of car insurance for senior drivers in Tucson is $66 for a liability-only policy, and $124 for full coverage. Here are the cheapest insurers for senior drivers in Tucson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $32 | $54 |
| Mile Auto | $34 | $59 |
| State Farm | $39 | $66 |
| GEICO | $41 | $70 |
| USAA | $45 | $75 |
| Metromile | $55 | $92 |
| Sun Coast | $56 | $111 |
| National General | $57 | $134 |
| Root | $58 | $91 |
| Progressive | $63 | $113 |
| Allstate | $68 | $113 |
| Travelers | $68 | $114 |
| Mercury | $71 | $122 |
| The Hartford | $71 | $120 |
| Dairyland | $75 | $190 |
| Direct Auto | $75 | $162 |
| American Family | $77 | $130 |
| Safeco | $78 | $116 |
| Farmers | $79 | $133 |
| COUNTRY Financial | $80 | $133 |
| The General | $84 | $195 |
| Nationwide | $85 | $142 |
| Clearcover | $87 | $145 |
| Bristol West | $91 | $178 |
| GAINSCO | $96 | $222 |
| AssuranceAmerica | $108 | $192 |
| Commonwealth Casualty | $113 | $276 |
| Liberty Mutual | $126 | $190 |
| Foremost | $150 | $272 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenage drivers tend to pay the most for auto insurance due to their lack of experience behind the wheel and high accident rate. Fortunately, first-time drivers can still save money on car insurance by taking a few steps.
Regardless of your insurer, teens can find cheaper car insurance by staying on their parents’ plans, buying a safe car, and getting a good student discount. And, teens who are younger than 18 won't be able to buy their own policy without the written consent of a parent or guardian.
Teen drivers in Tucson pay a monthly average of $347 for full coverage, and $184 for liability. Here are the cheapest car insurance quotes for teen drivers in Tucson.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $81 | $135 |
| GEICO | $97 | $165 |
| State Farm | $101 | $170 |
| Mile Auto | $102 | $175 |
| USAA | $110 | $185 |
| Root | $123 | $192 |
| Metromile | $130 | $219 |
| Sun Coast | $157 | $309 |
| National General | $169 | $401 |
| COUNTRY Financial | $170 | $282 |
| Allstate | $176 | $293 |
| Dairyland | $179 | $452 |
| Progressive | $179 | $322 |
| Mercury | $185 | $318 |
| Travelers | $185 | $307 |
| The General | $194 | $451 |
| American Family | $200 | $337 |
| Safeco | $204 | $301 |
| Direct Auto | $206 | $443 |
| Farmers | $208 | $350 |
| Clearcover | $216 | $360 |
| The Hartford | $221 | $371 |
| Bristol West | $226 | $438 |
| GAINSCO | $231 | $534 |
| Nationwide | $233 | $390 |
| Commonwealth Casualty | $287 | $700 |
| Liberty Mutual | $302 | $455 |
| AssuranceAmerica | $307 | $545 |
| Foremost | $388 | $706 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Tucson car insurance quotes by credit tier
Like most states, Arizona allows insurance companies to consider credit history when evaluating your insurance premiums. Research has shown drivers with good credit tend to file fewer claims than those with bad credit.[9]
Here are the average quotes you can expect to receive with an excellent or good credit score versus a poor credit score in Tucson.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Tucson?
Tucson is a relatively affordable city for car insurance. Drivers in the city pay a total average of $127 per month for auto coverage. The statewide average for auto coverage is $136 per month, and the national average is $154 per month. So Tucson drivers benefit from lower-than-average insurance prices.
Average insurance premiums vary by the city and ZIP code you live in due to factors like population density, traffic congestion, vehicle theft rates, accident rates, and more. Based on Arizona crime statistics, Tucson had fewer cases of motor vehicle theft in 2022 than a couple of other large cities, including Phoenix and Mesa.[10]
More cities in Arizona
Tucson drivers pay less than the state average and also pay less than many other cities in Arizona. For example, Glendale residents pay 47% more on average than Tucson drivers for full coverage.
Here’s how the average car insurance quotes for Tucson drivers compares to other Arizona cities.
City ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| Chandler | $177 | $95 |
| Flagstaff | $133 | $69 |
| Glendale | $215 | $120 |
| Mesa | $181 | $101 |
| Phoenix | $216 | $116 |
| Scottsdale | $180 | $98 |
| Tempe | $196 | $105 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Tucson car insurance FAQs
Deciding on the right amount of coverage and the insurer for you doesn’t have to feel overwhelming. The information below should help you navigate the process of finding affordable auto coverage in Tucson.
How much is car insurance in Tucson?
On average, Tucson drivers pay $127 per month for car insurance. Liability-only coverage is $88 per month, and full coverage costs $166 per month on average. Coverage in Tucson costs less than the state averages of $92 for liability only and $180 for full coverage. Your specific rate will depend on your driving record, credit history, age, vehicle type, insurer, and more.
What are the best car insurance companies in Tucson?
State Farm is the best car insurance company in Tucson, thanks to its Insurify Quality (IQ) Score of 4.4, high claims satisfaction ranking from J.D. Power, and quality coverage. Other top insurers in the city include USAA, GEICO, and Auto-Owners.
What are the cheapest car insurance companies in Tucson?
Auto-Owners is the cheapest insurer for Tucson drivers, offering monthly quotes as low as $72 for full coverage. Mile Auto and State Farm also offer low rates for drivers in Tucson, with full-rates as low as $82 and $89, respectively.
What factors affect the cost of car insurance in Tucson?
Car insurance costs vary by city and ZIP code due to factors like crime and theft rates, population density, and more. Tucson drivers may earn lower rates than drivers in cities like Phoenix and Mesa because of lower rates of motor vehicle theft.
Is Arizona a no-fault state?
No. Arizona is an at-fault state. This means that you and your insurer must cover the costs of damage and injury resulting from an accident you cause.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Arizona
Sources
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Insurance Information Institute. "Nine ways to lower your auto insurance costs."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arizona Department of Insurance and Financial Institutiond. "Minimum Coverage Required for Arizona Drivers."
- Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
- Arizona Department of Insurance and Financial Institutions. "Medical Payments Coverage."
- Arizona Department of Insurance and Financial Institutions. "Uninsured and Underinsured Motorist Coverage."
- Arizona Department of Transportation. "Driving Under the Influence (DUI)."
- Insurance Information Institute. "Background on: Credit scoring."
- Arizona Crime Statistics. "Motor Vehicle Theft 2022 Tuscon PD."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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