Cheap Auto Insurance in Tucson, Arizona (2025)

Auto-Owners offers the cheapest full-coverage car insurance in Tucson, with rates starting at $92 per month.

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Cheapest recent rates near Tucson, Arizona

Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $53/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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Tucson drivers pay an average of $151 per month for a full-coverage policy, which is lower than Arizona state average of $167 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 $90 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
sort ascsort desc
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.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Auto-Owners8.2$100$73Cheap Rates
Mile Auto8.8$102$60Low-mileage drivers
State Farm9.3$124$91Teen drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 55,000 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
3.9
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.
8.2 /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.
$67/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.
$92/mo
3.9
A solid optionBased on 202 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

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

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (119)

Roy

June 5, 2025

Verified Review

I don't have anything to add

Good company, but I didn't care for their premiums going up this year just for liability and roadside service.

Ann

June 1, 2025

Verified Review

Satisfaction

I like paying all at one time.

Jason

May 8, 2025

Verified Review

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.

Stay away from them if you have children. My policy jumped $540 a month, and they will not exclude my daughter from the policy even though she doesn't drive my truck.
See all Auto-Owners reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.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
4.1
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.
8.8 /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.
$55/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.
$94/mo
4.1
Best choiceBased on 119 verified guest reviews and ratings
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (45)

Arthur

June 29, 2025

Verified Purchase

Excellent

Good rates based on mileage!

Monica Jo

June 22, 2025

Verified Review

Inexpensive, but No Full Coverage

If you drive a lot, this isn't the insurance for you! They charge per mile.

Betty

June 11, 2025

Verified Purchase

Loving it with bumps...

I really don't know what my policy covers. I know I get liability insurance. I love the rates, making car insurance not such a burden on a fixed income. I have troubles here and there with my phone being out of memory, and the office will have to accept my odometer reading text message. But that's my fault; I guess I need a memory card or SD card. But I love Mile Auto.
See all Mile Auto reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.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).
NR
Why 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
4.1
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.
$83/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.
$114/mo
4.1
Best choiceBased on 11,264 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,043)

Duane

July 1, 2025

Verified Review

40+ years says it all!

State Farm has always met my expectations for the 40+ years of service.

Krystal

July 1, 2025

Verified Review

Good

State Farm was my best insurance company, but I couldn't pay my bill because it was too high.

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.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: Mile Auto

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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$55
Auto-Owners$67
National General$79
State Farm$83
Sun Coast$85
Progressive$91
Mercury$92
USAA$92
Dairyland$95
Root$95
The General$103
Safeco$103
Bristol West$105
Direct Auto$107
Clearcover$124
GEICO$125
GAINSCO$127
AssuranceAmerica$137
Allstate$138
Travelers$143
Commonwealth Casualty$150
COUNTRY Financial$162
American Family$163
Liberty Mutual$164
The Hartford$166
Farmers$168
Nationwide$188
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Auto-Owners$92
Mile Auto$94
State Farm$114
USAA$127
Root$141
Safeco$148
Sun Coast$150
Progressive$151
GEICO$152
Mercury$155
Clearcover$183
National General$186
Allstate$189
Travelers$196
Bristol West$206
The General$213
Direct Auto$219
COUNTRY Financial$222
Liberty Mutual$222
American Family$224
The Hartford$229
Farmers$231
Nationwide$258
AssuranceAmerica$259
Dairyland$267
GAINSCO$290
Commonwealth Casualty$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $35/mo for liability only and $53/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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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 July 3, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ 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 July 3, 2025. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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]

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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]

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $172 per month for full coverage, and $102 for liability-only car insurance, Insurify data shows.

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

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 $177 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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Clean Record
sort ascsort desc
With Ticket
sort ascsort desc
Mile Auto$55$63
Auto-Owners$67$81
National General$79$94
State Farm$83$98
Sun Coast$85$100
Progressive$91$107
Mercury$92$120
USAA$92$110
Dairyland$95$114
Root$95$121
The General$103$130
Safeco$103$127
Bristol West$105$127
Direct Auto$107$129
Clearcover$124$154
GEICO$125$154
GAINSCO$127$145
AssuranceAmerica$137$158
Allstate$138$164
Travelers$143$173
Commonwealth Casualty$150$183
COUNTRY Financial$162$195
American Family$163$197
Liberty Mutual$164$200
The Hartford$166$219
Farmers$168$201
Nationwide$188$226
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $187 for full coverage, and $111 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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Clean Record
sort ascsort desc
With Accident
sort ascsort desc
Mile Auto$55$70
Auto-Owners$67$84
National General$79$98
State Farm$83$103
Sun Coast$85$105
Progressive$91$113
Mercury$92$127
USAA$92$115
Dairyland$95$119
Root$95$119
The General$103$134
Safeco$103$136
Bristol West$105$132
Direct Auto$107$138
Clearcover$124$175
GEICO$125$147
GAINSCO$127$155
AssuranceAmerica$137$162
Allstate$138$172
Travelers$143$180
Commonwealth Casualty$150$188
COUNTRY Financial$162$206
American Family$163$205
Liberty Mutual$164$208
The Hartford$166$215
Farmers$168$211
Nationwide$188$237
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $203 per month for full coverage and $121 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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
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Clean Record
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With DUI
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Mile Auto$55$77
Auto-Owners$67$94
National General$79$111
State Farm$83$116
Sun Coast$85$114
Progressive$91$122
Mercury$92$131
USAA$92$129
Dairyland$95$133
Root$95$133
The General$103$144
Safeco$103$151
Bristol West$105$147
Direct Auto$107$150
Clearcover$124$174
GEICO$125$175
GAINSCO$127$178
AssuranceAmerica$137$192
Allstate$138$193
Travelers$143$200
Commonwealth Casualty$150$210
COUNTRY Financial$162$227
American Family$163$228
Liberty Mutual$164$230
The Hartford$166$233
Farmers$168$236
Nationwide$188$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $74 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: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Liability Only
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Full Coverage
sort ascsort desc
Mile Auto$41$71
Auto-Owners$53$72
National General$60$140
State Farm$64$87
Sun Coast$70$123
USAA$73$100
Progressive$75$124
Mercury$75$126
Dairyland$76$213
Root$79$117
The General$81$168
Direct Auto$82$169
Bristol West$84$165
Safeco$88$126
GEICO$97$117
GAINSCO$104$237
AssuranceAmerica$104$196
Clearcover$106$156
Travelers$110$151
Allstate$110$150
The Hartford$117$162
Commonwealth Casualty$118$284
American Family$127$175
Farmers$130$178
COUNTRY Financial$132$181
Liberty Mutual$134$182
Nationwide$139$191
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Mile Auto

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 $320 for full coverage, and $191 for liability. Here are the cheapest car insurance quotes for teen drivers in Tucson.

The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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
sort ascsort desc
Liability Only
sort ascsort desc
Full Coverage
sort ascsort desc
Mile Auto$120$205
Auto-Owners$130$179
State Farm$168$231
Dairyland$171$481
National General$171$404
Root$178$264
Sun Coast$180$318
USAA$181$249
Mercury$184$310
The General$190$394
Progressive$193$320
Bristol West$203$398
Direct Auto$225$460
Safeco$225$323
Clearcover$239$353
GEICO$240$292
GAINSCO$255$582
COUNTRY Financial$270$370
Allstate$289$396
AssuranceAmerica$290$548
Commonwealth Casualty$294$712
Travelers$301$413
Liberty Mutual$318$430
American Family$324$446
Farmers$341$469
Nationwide$388$533
The Hartford$394$544
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $121 per month for auto coverage. The statewide average for auto coverage is $131 per month, and the national average is $150 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
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Average Monthly Quote: Full Coverage
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Average Monthly Quote: Liability Only
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Chandler$164$97
Flagstaff$126$75
Glendale$201$119
Mesa$167$103
Phoenix$204$120
Scottsdale$162$96
Tempe$183$108
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $121 per month for car insurance. Liability-only coverage is $90 per month, and full coverage costs $151 per month on average. Coverage in Tucson costs less than the state averages of $95 for liability only and $167 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 $92 for full coverage. Mile Auto and State Farm also offer low rates for drivers in Tucson, with full-rates as low as $94 and $114, 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 500+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  2. Insurance Information Institute. "Nine ways to lower your auto insurance costs."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Arizona Department of Insurance and Financial Institutiond. "Minimum Coverage Required for Arizona Drivers."
  5. Insurance Information Institute. "What is covered by collision and comprehensive auto insurance?."
  6. Arizona Department of Insurance and Financial Institutions. "Medical Payments Coverage."
  7. Arizona Department of Insurance and Financial Institutions. "Uninsured and Underinsured Motorist Coverage."
  8. Arizona Department of Transportation. "Driving Under the Influence (DUI)."
  9. Insurance Information Institute. "Background on: Credit scoring."
  10. Arizona Crime Statistics. "Motor Vehicle Theft 2022 Tuscon PD."
Jamie Johnson
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.

Jamie has been a contributor at Insurify since October 2022.

Katie Powers
Edited byKatie PowersSenior Editor
Photo of an Insurify author
Katie PowersSenior Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

  • NPN: 20564519

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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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • 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.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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