Tucson, AZ Car Insurance
How much does car insurance cost in Tucson?
Tucson car insurance rates cost an average of $916 for a six-month policy or $153 per month. Our data states that in 2022, Root is the cheapest auto insurance company in Tucson with rates at $346 for a six-month policy.
Tucson drivers pay slightly more than the average for car insurance in Arizona ($874 every six months) and more than the national average of $742. In fact, 39% of our customers in Tucson used our service because they believe they're paying too much for their car insurance. If you agree or just need help with your car insurance, read on to learn more about what a fair rate looks like in Tucson based on common factors like credit score, coverage level and more.
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| Car Insurance in Tucson vs. Arizona | Avg. 6 Mo. Premium |
|---|---|
| Tucson Average | $916 |
| Arizona Average | $874 |
Source: The Zebra
The cheapest car insurance companies in Tucson
Root offers the cheapest rates for Tucson drivers with average premiums at $346 for a six-month policy.
Coming in second place is Auto-Owners with average six-month policy rates at $502, or $84 per month.
Finally, GEICO takes third place in Tucson. GEICO average premium is $653 for six-months or $109 per month.
The Zebra's key takeaways about car insurance in Tucson:
- The average cost of a car insurance policy in Tucson is $916 per six-month policy — $153 per month.
- The cheapest company in Tucson is Root ($346).
- 39% of Zebra customers in Tucson stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Tucson car insurance rates by company
According to our 2022 data, Root offers the cheapest rates for full coverage in Tucson with average premiums at $58 per month. The second cheapest rates come from Auto-Owners with monthly rates at $84.
Learn more about top-rated car insurance companies based on The Zebra's Customer Satisfaction Survey.
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Cheapest car insurance companies in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $346 |
| Auto-Owners | $502 |
| GEICO | $653 |
| Travelers | $684 |
| USAA | $737 |
| Progressive | $771 |
| Nationwide | $835 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, GEICO, Travelers and Nationwide (+ other top companies) to find the best and cheapest car insurance in Tucson.
Average car insurance in Tucson by rating factor
Rating factors determine how much you pay for car insurance, as insurance companies assess these details to understand the level of risk you pose. Rating factors include things like age, location, driving history, claims history, credit score and more.
While some of these details will stay the same, others could change with time. That's why getting a new quote from time to time is the best way to know if you're getting the best rates.
Q: I didn't have an accident — Why is my insurance going up?
A: End-of-year earnings (revenue of premiums versus the cost of paying insureds’ claims) is also a major rating factor for how much you will pay for car insurance in Tucson. Even if you’ve had no claims with your insurance company, you could still be paying more with a particular insurance company because the price of doing business has increased in Tucson.
Auto insurance premiums by age in Tucson
Age is one of the most important rating factors when it comes to car insurance. In the eyes of insurance companies, age relates to driving experience. That's why teen drivers tend to face the highest premiums— they have the highest accident rate of any other age group. In Tucson, teenaged drivers pay $1,755 more in premiums than drivers in their 20s; that's 150% higher, and the largest difference between any two age groups.
While this may sound shocking, it's important to remember that insurance companies are in the business of risk management. By charging higher rates for teen drivers, they are able to offset the increased cost of paying claims.Â
Cheapest car insurance companies for teen drivers in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $911 |
| Auto-Owners | $1,560 |
| GEICO | $1,793 |
| Travelers | $1,993 |
| USAA | $2,804 |
| Nationwide | $2,918 |
| Progressive | $3,808 |
Source: The Zebra
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Root | $442 |
| 30s | Root | $429 |
| 40s | Root | $431 |
| 50s | Root | $428 |
| 60s | Root | $449 |
| 70s | Root | $577 |
Zebra Tip:Â The cheapest companies for Tucson drivers between 20-30 are Root, Auto-Owners and GEICO
Our data tells us that drivers between the ages of 20-29 make up the bulk of Tucson drivers. On average, this group pays $1,168 every six months. By going with these companies, these groups can potentially save 45%.
Auto insurance premiums for minimum coverage in Tucson
State minimum coverage is all that is legally required to carry for most drivers (leased and financed vehicles may require more protection as set by your lending association). Minimum coverage is the least costly, but offers only bare-bones protection and can leave you at risk of being underinsured. According to our data, 32% of Tucson drivers have the state minimum coverage.
To make your insurance policy suite broader, you may add collision coverage or comprehensive coverage (commonly known as "full coverage" when purchased together). However, this choice will significantly raise your rates and both come with a deductible. Choosing a higher deductible can help lower monthly premiums.Â
Consider other convenient add-ons like roadside assistance or uninsured motorist coverage to round out your policy. In case of emergency, they can be very effective. Each extra coverage will increase premiums, but experts at The Zebra still recommend adding them as they go a long way in protecting you and your vehicle.Â
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
In an analysis of our data, 56% of drivers in Tucson have owned vehicles. If you are not leasing or financing your vehicle, you should consider if dropping comprehensive or collision coverage is right for you. We recommend getting the actual cash value of your vehicle via Kelley Blue Book or another reputable source. The general rule of thumb is if your vehicle is worth less than $4,000, you probably don't need collision coverage. Bear in mind, however, that dropping these coverages means that you will have to pay for any repairs out of your own pocket.
Cheapest car insurance companies for minimum coverage in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Auto-Owners | $168 |
| Root | $184 |
| GEICO | $216 |
| USAA | $241 |
| Travelers | $260 |
| Progressive | $328 |
| Nationwide | $367 |
Source: The Zebra
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
Most of our customers in Tucson opt for the basic level of coverage, but this may not be the best option for everyone. While we understand state minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Arizona's 25/50/15 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $15,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in Arizona.
Tucson car insurance rates by credit score
In Arizona, car insurance companies use a driver's credit score to determine premiums. Credit score has long been a rating factor in auto insurance policies, though some states are banning this practice. Historically, data suggests that poor credit is associated with frequency in claims filing, coverage lapses and risky driving behaviors. Since bad credit means higher risk, insurance companies tend to charge more for drivers with low credit scores.
In fact, Tucson drivers with poor credit (300-579) pay 113% more than drivers with excellent credit (800-850). Our data tells us most drivers in Tucson have an "average (580-679)" credit score. In 2022, Root is the cheapest option for Tucson drivers for this credit range.
Cheapest car insurance companies for bad credit in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $461 |
| GEICO | $853 |
| Travelers | $1,055 |
| Nationwide | $1,130 |
| Progressive | $1,310 |
| USAA | $1,415 |
| Auto-Owners | $1,445 |
Source: The Zebra
Zebra Tip: If you recently improved your credit score, shop around for car insurance!
In Tucson, our data shows drivers with "Fair" credit pay $1,226 less for car insurance in a year than drivers with "Poor" credit. If you have recently paid off a loan or other credit-improving actions, check your preferred credit monitoring software to see if your recent efforts could save you on your car insurance!
Auto insurance rates with an at-fault accident
At-fault and other collision-type accidents are the most common— and most expensive— types of insurance claims. Our data reports that in 2022, an at-fault accident raised the average auto insurance premiums in Tucson from $153 to $227 per month. Root is the cheapest insurance company for Tucson drivers with an at-fault accident.Â
Regardless of where you live, the best way to keep insurance rates low is by keeping a clean driving record and avoiding accidents to the best of your ability. Any citation, ticket or charge will increase insurance rates dramatically. Speeding tickets, accidents and DUIs will have an effect on your rates for three to five years.
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Cheapest car insurance companies after an at-fault accident in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $479 |
| Auto-Owners | $700 |
| Travelers | $911 |
| USAA | $1,079 |
| GEICO | $1,128 |
| Progressive | $1,167 |
| Nationwide | $1,406 |
Source: The Zebra
Tucson car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Tucson.
Car insurance rate increases after violations and citations in Tucson, AZ
Source: The Zebra
Why is car insurance in Tucson so expensive?
Tucson drivers pay a bit more on average for car insurance than other residents of Arizona. This is likely due to Tucson being a more metropolitan and congested area of the state than other towns. Cost of living in these areas tends to be higher, but there's more to it than that. Below you'll find a rundown of why car insurance is so expensive in Tucson — regardless of your driving profile.
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Tucson ranks as the 14th most dangerous city in the country for pedestrians, according to a study conducted by Smart Growth America[1]. The state of Arizona is the fourth most dangerous in the country. High instances of pedestrian deaths by vehicles contributes to the increased cost of insurance in Tucson.Â
In 2021, Arizona ranked in the top 10 states for number of wildfires and acres burned in the United States[2]. Places with a high likelihood of natural disasters are more prone to high insurance rates.Â
What part of town you live in has an impact on insurance rates as well.Â
Expensive Tucson ZIP codes: 85701, 85746, 85713, 95714, 85705
Cheap Tucscon ZIP codes: 85739, 85741, 85736, 85735, 85704
In terms of uninsured drivers, reports place Arizona as the 24th-ranked state in the country. While this placement isn't the highest, it still leaves room for policyholders to be hit by an uninsured driver.Â
According to our Tucson data, 33% of Zebra customers are not currently insured. If you find yourself in a collision with an uninsured driver, you could be left paying for the damage yourself.
Zebra Tip: Consider uninsured property damage coverage
In cities or ZIP codes with high rates of uninsured drivers, we recommend carrying uninsured motorist coverage (also called UMPD). This coverage will provide assistance to you if you or your vehicle are damaged by an underinsured or uninsured driver. This coverage typically has a lower deductible and is cheaper than collision. Plus, the rate increase after a UMPD claim can be hundreds of dollars cheaper than a collision claim.
Bundling insurance policies in Tucson
Auto insurance seems to be increasing every year, but there are still ways to save. When it comes time to shop for a new car insurance policy, consider bundling your homeowners or renter's insurance with the same company. Most insurance providers offer a multi-policy discount— selecting the same insurance carrier for more than one product can save you 10% more on combined premiums. Learn more about bundling home and car insurance.
If you currently have separate policies for your home and car, it's worth checking possible savings if you bundle both together.Â
Cheapest car insurance companies for bundling home and auto insurance in Tucson, AZ
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| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $331 |
| Auto-Owners | $442 |
| Travelers | $616 |
| GEICO | $621 |
| Progressive | $666 |
| USAA | $677 |
| Nationwide | $741 |
Source: The Zebra
While some things may be out of your control, drivers can work to make their profiles more appealing to insurers. The best advice we offer is to shop around and compare auto insurance quotes with as many companies as possible to ensure you're getting the most affordable rate that doesn't compromise coverage and service — especially if any personal factors have changed (like moving, celebrating a birthday and improving your credit). Try as you might, some companies are just more expensive than others; don't be afraid to switch.
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Frequently asked questions
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.