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Cheap Auto Insurance Quotes in Tucson, AZ (September 2022)
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Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka
Updated February 4, 2022
Car Insurance in Tucson, AZ
The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tucson, AZ to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Tucson is $172 per month, or $2064 annually.
- Car insurance in Tucson is $17 more than the average cost of car insurance in Arizona.
- The cheapest car insurance provider in Tucson on average is Metromile, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
State Farm$70
GEICO$90
Travelers$128
Liberty Mutual$198
American Family$199
Cheapest Car Insurance in Tucson, AZ
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Tucson | QuotesThe car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| State Farm | $70 /mo |
| GEICO | $90 /mo |
| Travelers | $128 /mo |
| Liberty Mutual | $198 /mo |
| American Family | $199 /mo |
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Minimum Car Insurance Requirements in Arizona
Arizona[1] does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.
If you do choose to purchase insurance, the minimum liability insurance requirements for private passenger vehicles in Arizona are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Arizona is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
FAQs - Tucson, AZ Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.
Insurify Insights
How Tucson Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Tucson, Arizona below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Tucson drivers measure up to their fellow motorists across Arizona in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Tucson
#31
City with the Most Speeding Tickets Rank in Arizona
#32
City with the Most Moving Violations Rank in Arizona
#29
City with the Most DUIs Rank in Arizona
#15
City with the Most Suspended Licenses in Arizona
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tucson drivers rank 32 in the number of car accidents per driver across all cities in Arizona.
- Rank within state: #32
- Percent of drivers in Tucson with an accident: 7.8%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tucson drivers rank 29 in the number of DUI’s per driver across all cities in Arizona.
- Rank within state: #29
- Percent of drivers in Tucson with a DUI: 1.7%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Tucson drivers rank 27 in the number of reckless driving offenses per driver.
- Rank within state: #27
- Percent of drivers in Tucson with a reckless driving offense: 1.1%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Tucson drivers rank 29 in rude driving infractions.
- Rank within state: #29
- Percent of drivers in Tucson with a reckless driving violation: 1.2%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Tucson drivers rank 31 in the number of speeding infractions per driver.
- Rank within state: #31
- Percent of drivers in Tucson with a speeding ticket: 7.9%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tucson drivers rank 32 in clean driving records across all cities in Arizona.
- Rank within state: #32
- Percent of drivers in Tucson with clean record: 80.9%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tucson drivers rank 26 in hybrid and electric vehicle ownership across all cities in Arizona.
- Rank within state: #26
- Percent of drivers in Tucson with a hybrid/electric vehicle: 0.91%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.
Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Learn MoreSources
- Arizona Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022