Cheapest Car Insurance Quotes In Tucson, AZ For 2024
In Tucson, Auto-Owners offers the cheapest option, with an average monthly cost of $23.
When looking for affordable car insurance in Tucson, AZ, options vary, but Auto-Owners stands out with its competitive pricing. On average, residents can get car insurance for around $23 per month, well below the state’s $120 average.
For people looking for the cheapest liability-only coverage, Auto-Owners is the best choice. Conversely, those requiring more comprehensive protection will find that Auto-Owners offers the most affordable rates for full coverage policies, priced at $47 per month. On the other hand, Travelers provides the most budget-friendly rates for young drivers at $100 per month.
Cheapest Car Insurance Companies In Tucson, AZ
Our Methodology
With over 15 years of experience as a licensed insurance agent, I've meticulously examined the car insurance market in Tucson, AZ. My understanding is based on thorough research encompassing customer service ratings, product options, pricing, and extensive analysis of various online review platforms and user feedback. Over the years, I've interacted with representatives from numerous companies, gaining valuable insights and firsthand experiences that have shaped my perspective on the industry.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Tucson, AZ?
Auto-Owners offers the most economical car insurance in Tucson, AZ, with coverage starting at $105 per month. However, when compared to average rates in Arizona and the entire United States, as depicted in the table below, rates are significantly lower.
| Area | Average Monthly Rate |
| National | $152 |
| Arizona | $120 |
| Tucson, AZ | $105 |
It’s crucial to note that the national average cost takes into account a diverse array of states, ranging from high-cost ones like New York, New Jersey, and California, to low-cost states such as Mississippi, Kentucky, and Wyoming. Rates can vary significantly due to factors like vehicle type, coverage amount, zip code, driving history, among others, leading to differences in rates by location.
Cheapest Car Insurance Rates In Tucson For Full Coverage
Auto-Owners provides the most budget-friendly car insurance rates for full coverage in Tucson, with average quotes amounting to $47 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $47 | $562 |
| GEICO | $95 | $1,141 |
| Mercury | $103 | $1,238 |
| Nationwide | $110 | $1,314 |
| Country Financial | $111 | $1,326 |
Full coverage car insurance goes beyond the basic legal requirements and offers comprehensive protection. It typically includes both comprehensive and collision coverages.
Comprehensive coverage protects against non-collision events like theft, vandalism, or damage from natural disasters. Collision coverage provides financial security for vehicle damage resulting from accidents, regardless of who is at fault.
Cheapest Car Insurance Rates In Tucson For Minimum Coverage
Auto-Owners stands out as the most affordable car insurance provider for minimum coverage in Tucson, with an average monthly cost of $23.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $23 | $287 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
The minimum car insurance policy should include, at the very least, the following coverage types:
- $15,000 for bodily injury per person
- $30,000 for bodily injury per accident
- $10,000 for property damage per accident
Keeping minimum car insurance provides some protection while driving, but it doesn’t include collision or comprehensive coverage. This means that damages to your vehicle resulting from accidents, theft, or natural disasters won’t be covered.
Moreover, it’s against the law to drive uninsured in Arizona. If you’re unable to provide proof of insurance during a traffic stop, you could face penalties such as fines, license suspension, or even more severe consequences.
Cheapest Car Insurance Rates In Tucson For Seniors
Auto-Owners provides the most budget-friendly car insurance rates for seniors in Tucson, with average quotes totaling $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $87 | $1,040 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Mercury | $101 | $1,213 |
| Allstate | $104 | $1,249 |
In Arizona, seniors might enjoy advantageous car insurance rates influenced by several factors. Although age commonly influences insurance rates, the belief that older age always results in diminished driving ability isn’t always accurate.
Cheapest Car Insurance Rates In Tucson For Teenagers
Teenage drivers in Tucson can find the most cost-effective quotes from Travelers, offering average monthly premiums of $164.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $269 | $3,228 |
| GEICO | $196 | $2,352 |
| Progressive | $245 | $2,946 |
| Travelers | $164 | $1,966 |
| Allstate | $380 | $4,591 |
Teenage drivers usually face the highest car insurance premiums, mainly because of their limited experience on the road. Insurance companies consider these young drivers as high-risk due to statistical data indicating they are more prone to accidents and traffic violations.
Cheapest Car Insurance Rates In Tucson For Young Adults
Young adults in Tucson can take advantage of the most affordable insurance quotes offered by Travelers, with rates averaging around $100 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $115 | $1,378 |
| GEICO | $105 | $1,205 |
| CSAA | $257 | $3,020 |
| Allstate | $127 | $1,522 |
| Travelers | $100 | $1,198 |
In Arizona, young adult drivers typically experience lower car insurance rates compared to teenagers. This variation in pricing is attributed to the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.
Statistically, young adults are less likely to file insurance claims, indicating a decreased involvement in accidents. Consequently, insurance companies reduce premiums, recognizing the improved safety records and reduced likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Tucson For Good Drivers
Tucson’s safe drivers can obtain the most budget-friendly car insurance quotes from Auto-Owners, averaging about $23 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $37 | $439 |
| Auto-Owners | $23 | $287 |
| Mercury | $43 | $514 |
| State Farm | $48 | $574 |
| Farmers | $49 | $581 |
Drivers with clean driving records in Tucson typically receive lower car insurance rates because they are considered lower-risk individuals. Insurance companies examine driving records to assess how safely someone drives. A lack of incidents, such as accidents or traffic violations, suggests that the driver is cautious and less likely to file a claim.
Since insurers base their rates on the likelihood of a driver making a claim, a spotless driving record can lead to significant savings on premiums. It’s all about risk assessment – the cleaner the record, the lower the perceived risk, and thus, the lower the insurance cost.
Cheapest Car Insurance Rates In Tucson For Drivers With Prior Incidents
In Tucson, drivers with records of traffic violations, such as accidents, speeding tickets, or DUIs, often face difficulties in obtaining affordable car insurance. These driving infractions lead insurance companies to label them as high-risk, suggesting a greater probability of filing future insurance claims.
Consequently, insurance providers raise their rates for these individuals to compensate for the risk of potentially higher claim payouts.
Cheapest Car Insurance Rates In Tucson For Drivers With A Speeding Ticket
Auto-Owners distinguishes itself for its affordability compared to other companies, providing average rates of $75 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $75 | $898 |
| Travelers | $105 | $1,258 |
| Geico | $90 | $1,078 |
| Allstate | $190 | $2,278 |
| Progressive | $138 | $1,654 |
Cheapest Car Insurance Rates In Tucson For Drivers With An At-Fault Accident
Auto-Owners offers the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging around $110 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $110 | $1,318 |
| Travelers | $112 | $1,342 |
| Geico | $115 | $1,378 |
| Progressive | $158 | $1,894 |
| Allstate | $173 | $2,074 |
Cheapest Car Insurance Rates In Tucson For Drivers After A DUI
State Farm offers the most budget-friendly rates for drivers after a DUI incident in Tucson, providing average monthly premiums of $103.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $103 | $1,234 |
| Nationwide | $269 | $3,286 |
| Progressive | $115 | $1,378 |
| Geico | $170 | $2,038 |
| Allstate | $212 | $2,542 |
Best Car Insurance Companies In Tucson
For drivers in Tucson, choosing the right car insurance company entails not only finding affordable rates but also ensuring dependable protection on the road. Here are the top 10 car insurance companies in Tucson, AZ, ranked by the average monthly rates they offer.
| Company | Monthly Premium |
| Clearcover | $83 |
| Mercury | $140 |
| AssuranceAmerica Protect | $93 |
| USAA | $101 |
| ACCC | $101 |
| Ameriprise Group | $103 |
| Mercury | $147 |
| Farm Bureau | $138 |
| American Family | $118 |
| State Farm | $120 |
Average Car Insurance Rates By Age In Tucson
| Age | Average Yearly Rate |
| Teenagers | $3,228 |
| 20s | $1,800 |
| 30s | $1,176 |
| 40s | $1,032 |
| 50s | $960 |
| 60s | $960 |
| 70s | $1,080 |
Age significantly influences car insurance rates. Generally, younger drivers, especially teenagers and young adults, face higher insurance premiums due to their limited experience and statistically higher likelihood of accidents and traffic violations. As drivers reach 25 years old, their rates typically start to decrease, assuming they maintain a clean driving record.
The most favorable insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a gauge to evaluate driving experience and risk potential, thereby adjusting the cost of premiums accordingly.
Average Car Insurance Rates By Vehicle Type In Tucson
| Vehicle | Average Monthly Rate |
| Toyota Venza | $65 |
| Lincoln Town Car | $67 |
| Ford Edge | $112 |
| Ford F150 | $90 |
| GMC Terrain | $74 |
The type of vehicle you own significantly influences your car insurance costs. Insurance companies consider factors like the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
On the other hand, older cars or those less expensive to repair or replace may come with lower premiums. Insurers take these factors into consideration because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally pricier than for a standard vehicle. Additionally, certain car models recognized for safety may qualify for reduced insurance rates due to a decreased risk of accidents and injuries.
How Much Is Car Insurance For Other Cities In Arizona?
| City | Average Monthly Rate |
| Mesa | $123 |
| Sedona | $83 |
| Maricopa | $110 |
| Tempe | $130 |
| Gilbert | $135 |
| Glendale | $140 |
| Surprise | $123 |
| Chandler | $120 |
| Peoria | $132 |
| Phoenix | $141 |
The city where you reside significantly influences your car insurance rates. Insurance companies assess various factors related to your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This increased risk often leads to higher premiums.
FAQs
Who has the lowest car insurance rates in Tucson?
Auto-Owners offers the lowest car insurance rates in Tucson for both the minimum coverage required by the State of Arizona and full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Tucson?
The average cost of car insurance in Tucson is approximately $105 per month. Rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.
