120+ more*Quotes generated for Insurify users in and around Tucson, Arizona within the last 10 days. Last updated on May 20, 2026. 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 May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
The average cost of car insurance in Tucson is $122 per month. State-minimum coverage costs an average of $86 per month, and full coverage averages $157 per month.
Rates in Tucson are usually lower than in Phoenix, Arizona’s most populous city. But Tucson’s premiums tend to be higher than those of the smaller neighboring town of Sahuarita. Higher population density typically leads to more congestion on the road, which increases crash rates and insurance premiums.
The average rate for liability-only car insurance in Tucson is $86 per month. Tucson’s rates are slightly lower than the Arizona average of $88 per month.
Arizona requires drivers to meet minimum requirements of 25/50/15. This means you need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $15,000 of property damage liability.[1]
The following table shows the cheapest rates for liability-only car insurance in Tucson, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company  | Average Monthly Quote |
|---|---|
| Auto-Owners | $47 |
| Just Pay-Per-Mile | $47 |
| Mile Auto | $53 |
| Progressive | $57 |
| State Farm | $58 |
| Certainly | $61 |
| Sun Coast | $61 |
| Aspire General | $64 |
| Novo Flex | $65 |
| USAA | $65 |
| Mercury | $67 |
| Novo Next | $70 |
| The General | $71 |
| Novo | $74 |
| Dairyland | $76 |
| Hiroad | $78 |
| Just Unlimited | $78 |
| GEICO | $80 |
| Bristol West | $81 |
| Safeco | $81 |
| National General | $83 |
| Direct Auto | $85 |
| AssuranceAmerica | $92 |
| Commonwealth Casualty | $92 |
| Trexis | $92 |
| Clearcover | $94 |
| Root | $94 |
| GAINSCO | $95 |
| Allstate | $96 |
| Travelers | $100 |
| Covercube | $103 |
| Country Financial | $113 |
| American Family | $114 |
| The Hartford | $117 |
| Farmers | $118 |
| Liberty Mutual | $131 |
| Nationwide | $131 |
The average cost of full-coverage car insurance in Tucson is $157 per month. Full-coverage insurance includes comprehensive and collision coverage as well as higher liability limits.
Comprehensive coverage helps pay for repairs after a non-collision event, like vandalism or weather damage. Collision insurance covers damage to your vehicle after an accident, regardless of fault.
If Tucson’s monsoons, dust storms, or flash flooding damage your car, a full-coverage policy can help cover the costs.[2]
The table below shows the cheapest rates for full-coverage car insurance in Tucson, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $85 |
| Just Pay-Per-Mile | $93 |
| Novo Flex | $94 |
| Mile Auto | $95 |
| Novo Next | $100 |
| State Farm | $104 |
| Sun Coast | $110 |
| USAA | $117 |
| Novo | $119 |
| Progressive | $119 |
| Safeco | $119 |
| Mercury | $122 |
| Aspire General | $133 |
| GEICO | $135 |
| Hiroad | $148 |
| Root | $153 |
| Bristol West | $158 |
| Just Unlimited | $160 |
| Direct Auto | $166 |
| Clearcover | $167 |
| National General | $167 |
| Allstate | $174 |
| Certainly | $175 |
| Liberty Mutual | $178 |
| Travelers | $180 |
| The General | $184 |
| AssuranceAmerica | $190 |
| Trexis | $196 |
| Commonwealth Casualty | $203 |
| Country Financial | $204 |
| American Family | $206 |
| Dairyland | $207 |
| The Hartford | $211 |
| Farmers | $212 |
| Covercube | $220 |
| GAINSCO | $224 |
| Nationwide | $236 |
Car insurance rates for Arizona drivers can vary between cities. Phoenix is one of the most expensive cities for car insurance in Arizona.[3] Glendale, which is part of the metro Phoenix area, also has high rates.
Large cities tend to have higher population densities, which can lead to increased congestion, more collisions, and a higher number of insurance claims. Smaller, less populated cities like Lake Havasu typically have lower rates than Tucson because fewer cars are on the road there.
The following table highlights average monthly quotes for different cities in Arizona, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Casa Grande | $123 |
| Chandler | $127 |
| Flagstaff | $97 |
| Glendale | $164 |
| Mesa | $136 |
| Phoenix | $165 |
| Scottsdale | $129 |
| Tempe | $144 |
| Tucson | $122 |
| Yuma | $100 |
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*Quotes generated for Insurify users in and around Tucson, Arizona within the last 10 days. Last updated on May 20, 2026. 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 May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving record is one of the main factors insurers use to calculate your car insurance premiums. You typically get the lowest rates with a clean driving record. But you’ll pay more for coverage if you have speeding tickets, at-fault car accidents, or a driving under the influence (DUI) conviction on your record.
Below are some of the cheapest car insurance companies in Tucson for people with different types of driving records, according to Insurify data.
Cheapest car insurance for Tucson drivers with a clean driving record: Just Pay-Per-Mile
Cheapest car insurance for drivers with a speeding ticket in Tucson: Just Pay-Per-Mile
Cheapest car insurance for Tucson drivers with an at-fault accident: Just Pay-Per-Mile
Cheapest car insurance for drivers with a DUI in Tucson: Just Pay-Per-Mile
More than 4% of drivers in Tucson have caused a car accident. Arizona is an at-fault state, meaning the driver who causes the accident is responsible for paying the damages. Minimum car insurance coverage is usually the cheapest car insurance you can buy.
That said, minimum coverage helps pay only for damage and injuries you cause to the other driver and their property. It doesn’t cover your medical bills or repairs.
The table below shows average monthly quotes for people with different driving records in Tucson, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $122 |
| Speeding ticket | $155 |
| At-fault accident | $164 |
| DUI | $167 |
Tucson has a high crash rate, with 5,977 crashes and 93 deaths in 2024, according to the Arizona Department of Transportation (ADOT).[4] The majority of accidents occur during morning and afternoon commutes, and high speeds are a major contributing factor.
Crashes are also more likely to occur at intersections, with nearly 75% of crashes in Tucson occurring at one.[5] Many accidents occur at the intersection of Golf Links Road and Swan Road.
During heavy rains, all low-lying areas in Tucson are subject to flooding. A large number of flood-related deaths have occurred when fast-moving waters trapped drivers in their cars. The Tucson Department of Transportation often barricades 1st Avenue, Navajo Road, Valencia Road, and Nexus Road during heavy rains.[6]
Collision and comprehensive coverage can help ensure you have proper protection during severe weather. Purchasing uninsured/underinsured motorist (UM/UIM) coverage can also help if a driver without enough coverage hits you.
The average commute time in Tucson is 23 minutes, slightly lower than the state average of 25 minutes.[7] But with no crosstown freeway running through the city, Tucson traffic on key corridors is often heavier than in cities of a similar size. Congestion is especially bad during morning and afternoon commutes, leading to more accidents at those times.
After six months of driving with a graduated instruction permit, Tucson teens can apply for a graduated driver license (GDL) starting at age 16.[8] With a GDL, teens must limit nighttime driving and can have only a certain number of passengers. At age 18, Tucson teens can apply for a regular driver’s license.
Teens pay an average of $260 per month for car insurance in Tucson. The following table shows the most affordable insurance rates for teenage drivers in Tucson, according to Insurify data.
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Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Just Pay-Per-Mile | $100 |
| Auto-Owners | $103 |
| Mile Auto | $118 |
| Progressive | $121 |
| State Farm | $122 |
| Certainly | $130 |
| Sun Coast | $130 |
| USAA | $131 |
| Mercury | $133 |
| Aspire General | $136 |
| Novo Flex | $139 |
| The General | $139 |
| Dairyland | $144 |
| Novo Next | $149 |
| Bristol West | $157 |
| GEICO | $157 |
| Novo | $158 |
| Hiroad | $166 |
| Just Unlimited | $166 |
| Clearcover | $169 |
| Safeco | $177 |
| Root | $178 |
| Direct Auto | $178 |
| National General | $179 |
| GAINSCO | $185 |
| Commonwealth Casualty | $187 |
| Trexis | $196 |
| Country Financial | $200 |
| Allstate | $205 |
| AssuranceAmerica | $205 |
| Covercube | $220 |
| Travelers | $224 |
| American Family | $234 |
| Liberty Mutual | $250 |
| Farmers | $255 |
| Nationwide | $276 |
| The Hartford | $283 |
Senior drivers in Tucson pay an average of $103 per month for car insurance. While Tucson doesn’t have as large a retirement population as Phoenix, it’s home to several retirement communities, like Splendido and La Posada.
The table below shows the cheapest rates for senior drivers in Tucson, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $37 |
| Just Pay-Per-Mile | $40 |
| Mile Auto | $41 |
| State Farm | $45 |
| Progressive | $48 |
| Certainly | $52 |
| Sun Coast | $52 |
| USAA | $52 |
| Mercury | $53 |
| Aspire General | $54 |
| Novo Flex | $55 |
| Novo Next | $59 |
| The General | $60 |
| Novo | $63 |
| GEICO | $63 |
| Dairyland | $64 |
| National General | $64 |
| Hiroad | $66 |
| Just Unlimited | $66 |
| Bristol West | $67 |
| Direct Auto | $69 |
| Safeco | $70 |
| AssuranceAmerica | $71 |
| Commonwealth Casualty | $73 |
| Allstate | $77 |
| Root | $78 |
| Trexis | $78 |
| Travelers | $79 |
| GAINSCO | $80 |
| Clearcover | $82 |
| The Hartford | $83 |
| Covercube | $87 |
| Country Financial | $89 |
| American Family | $90 |
| Farmers | $93 |
| Nationwide | $99 |
| Liberty Mutual | $108 |
Compare quotes, starting at $47 per month
Below are answers to some of the most common questions from Tucson drivers about car insurance in the city.
The average cost of car insurance in Tucson is $122 per month, according to Insurify data. Liability-only coverage costs an average of $86 per month, and full coverage averages $157. But many personal factors affect your car insurance rates, like your age, driving record, credit history, and coverage limits.
Just Pay-Per-Mile is the cheapest car insurance company in Tucson, according to Insurify data. The company’s rates average $47 per month.
Arizona requires drivers to have minimum liability limits of 25/50/15. You need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage and $15,000 of property damage liability coverage.
Several factors affect car insurance rates in Tucson. The city’s severe weather increases the risk of car accidents, which in turn pushes up premiums. Many personal factors affect your rates, including your age, ZIP code, driving record, and coverage limits.
Yes, car insurance discounts are available in Tucson. Different insurers offer different discounts, so check with your insurer to find out what it offers. Common discounts include bundling coverage, low-mileage, good student, anti-theft, safe driver, and multi-car discounts.
Insurify data scientists analyzed more than 190 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.