The effect of driving habits on car insurance in Tucson
Car insurance companies offer drivers with good driving records better insurance rates because they feel their past behavior indicates they’re less likely to file a claim. On the other hand, if someone has a lot of undesirable driving incidents on their record (like a DUI, at-fault accidents, or speeding tickets), then an insurance company may charge them higher rates since they’re more likely to file claims.
These tables can give you an idea of how rates can be impacted by certain driving factors, but keep in mind that a negative difference in a table doesn’t necessarily mean that a particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that the sample size was small — insurers may choose not to not offer policies to drivers with that infraction. The actual rate you receive can vary and depends on a number of factors other than your driving record.
Cheapest car insurance with an accident in Tucson: Travelers
Accidents on your driving record can cause your car insurance premiums to increase. Again, insurers use your driving record as a factor when setting your monthly insurance rate. If you’ve caused multiple accidents, insurers may consider you a high-risk driver and increase your rates. You may have to shop around for multiple quotes to find the cheapest rate, despite an accident on your record, in Tucson, Arizona.
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.
Cheapest car insurance with a DUI in Tucson: Sun Coast
Driving under the influence (DUI) is operating a motor vehicle with a blood alcohol content of 0.08% in the United States. While some states like Utah may have lower legal BAC limits, Arizona’s BAC limit for non-commercial drivers 21 years or older is 0.08%.[5] If you’re charged with a DUI, you may see your car insurance premiums increase, as driving under the influence is seen as risky driving behavior.
Sun Coast offers drivers with a DUI on their record the cheapest car insurance in Tucson, at an average of $162 a month — $42 higher than for drivers with clean records.
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.
Cheapest car insurance with a speeding ticket in Tucson: Mile Auto
If you have a speeding ticket or multiple speeding tickets on your driving record, your car insurance provider may increase your premiums. In 2021, 19,554 people in Arizona were injured in a crash where speeding was a factor. Even though your rates may increase, the cheapest car insurance company for people with speeding tickets is Mile Auto, at an average of $139 a month. This is $35 more than the average full-coverage policy in Tucson.
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.
Car insurance in other Arizona cities
Auto insurance rates can vary widely, even between cities in the same state. Here’s some information about car insurance rates in other major Arizona cities.