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.
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.
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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Tucson drivers pay an average of $249 per month for a full-coverage policy, which is close to the national average of $253 per month. If you’re looking for cheap car insurance, you should compare quotes from several insurers in Tucson to make sure you find the best match for you.
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 $179 per month for Tucson drivers on average.
Insurers in Arizona can consider your credit history when determining your car insurance premium.
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$41/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.
$60/mo
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 A.M. Best, which means the company consistently pays out its claims and meets its financial obligations.
Pros
Provides specialized insurance for classic car owners
A++ (Superior) rating from A.M. Best
Cons
Received a below-average ranking in J.D. Power 2022 U.S. Auto Claims Satisfaction Study[2]
Can only receive an insurance quote through an agent
I’ve had no problems with them, and they’re cheaper than any other insurer for the coverage I have.
Dean - April 26, 2019
Verified
Good customer service
Debora - February 12, 2019
Verified
Their staff is always friendly, they answer all my questions, and I may stay with them. Regardless, I’m researching other options because my rates are so high due to two accidents in 2016.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$42/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.
$64/mo
Mile Auto offers pay-per-mile policies, which allow low-mileage drivers to save on auto insurance. 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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$50/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.
$75/mo
State Farm offers a variety of coverage options, including collision insurance, comprehensive coverage, rental insurance, 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 many other discounts drivers can take advantage of.
Pros
Young drivers can save up to 25% on auto insurance
Received an above-average ranking in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study
Cons
Doesn’t offer gap insurance
Low customer satisfaction ratings on Better Business Bureau (BBB) website
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: Monday, September 18 at 12:00 PM PDT.
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.
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
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: Monday, September 18 at 12:00 PM PDT.
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.
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.
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.
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. 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.[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.
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Cheapest car insurance for drivers with a speeding ticket
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.
Find the cheapest car insurance companies for Tucson drivers with a speeding ticket below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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.
You can find the cheapest insurance companies for drivers with an at-fault accident below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
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 significantly increased insurance prices. The best way to save money after a DUI is by shopping around for the lowest premiums. Find the cheapest average quotes for Tucson drivers with a DUI below.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
Your age can affect your car insurance rates. Despite being some of the safest drivers, seniors older than 75 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.
Here are the cheapest insurers for senior drivers in Tucson.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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
Teenage drivers tend to pay the most for auto insurance due to their lack of experience behind the wheel. 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.
Here are the cheapest car insurance quotes for teen drivers in Tucson.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
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.
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.
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 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 yourrentersor 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 or use an insurance-comparison tool to receive a free quote from multiple companies.[9]
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Tucson car insurance quotes by credit tier
Like most states, Arizona allows insurance companies to consider credit scores when evaluating your insurance premiums. Research has shown drivers with good credit tend to file fewer claims than those with bad credit.[10]
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 $199 per month for auto coverage. The statewide average for auto coverage is $228 per month, and the national average is $212 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.[11]
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.
On average, Tucson drivers pay $249 per month for full-coverage insurance. Here’s how the average full-coverage quote in Tucson compares to seven other Arizona cities.
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 $199 per month for car insurance. Liability-only coverage is $149 per month, and full coverage costs $249 per month on average. Coverage in Tucson costs less than the state averages of $179 for liability only and $277 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 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
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.
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.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
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.
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.
Auto-Owners
Mile Auto
State Farm
