How much does car insurance cost in Tucson?
The average cost of auto insurance in Tucson is $1,521 per year. That's more than the statewide average in Arizona ($1,470) and cheaper than the national average of $1,548. Keep reading to learn more about how much you can expect to pay for insurance coverage based on your marital status, age, credit score and other common factors in Tucson.
TUCSON CAR INSURANCE RATES
|Tucson Average (annual)||Arizona Average||National Average|
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Tucson auto insurance costs by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Tucson, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Tucson. Don't forget to get car insurance quotes based on your driving profile.
TUCSON CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Rate (annual)|
Tucson car insurance premiums by age
The age group that enjoys the lowest auto insurance rates in Tucson are drivers in their 50s, who pay an average of $1,341 per year for a car insurance policy. Those in their 60s don't pay significantly more ($1,395).
Teenage drivers pay Tucson's most expensive car insurance rates. When Tucson drivers hit their 20s, their insurance rates drop substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Tucson is $4,229. That's the biggest gap in premiums between any two age brackets.
TUCSON CAR INSURANCE RATES BY DRIVER AGE
|Age Group||Average Yearly Rate|
Tucson car insurance rates by marital status and gender
Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Tucson pay $128 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tucson, single drivers pay more than those who are widowed.
Gender is another factor that can impact auto insurance costs. In Tucson, female drivers pay $15 per year more than do male drivers.
TUCSON CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Annual Rate|
Tucson car insurance premiums by accident and violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Tucson drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $656 per year versus the city average. A ticket for speeding results in a $406 rate hike, on average, while a DUI violation costs $780 per year in insurance premiums.
TUCSON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Citation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,938|
|At-fault Accident (damages greater than $2,000)||$2,217|
|Speeding Ticket (16-20 mph over speed limit)||$1,927|
Tucson car insurance rates by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Tucson, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 65% drop in car insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Tucson, moving into the "Fair" credit tier corresponds to an average of $1,597 in savings on insurance each year.
TUCSON AUTO INSURANCE PREMIUMS BY CREDIT SCORE
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Tucson?
Where you live in Tucson affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Tucson is no exception to the rule. From ZIP code 85739 to 85714, premiums rise by 15 percent—that’s $149.
Expensive Tucson ZIP codes: 85721, 85746, 85713, 85706, 85714
Cheap Tucson ZIP codes: 85739, 85708, 85716, 85747, 85704
Tucson Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Tucson, you can expect 48 rainy days with an annual rainfall of 11 inches. Tucson is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Tucson
Find Local Tucson Agents
Castillo Insurance Group
2448 E 6th St, Tucson, AZ 85719
Insurance Solutions IBS
655 N Swan Rd, Tucson, AZ 85711
Lewis Benefits Group LLC
2571 N Water Pl, Tucson, AZ 85712
Etna Insurance Agency, Inc.
3430 N 1st Ave Ste 2, Tucson, AZ 85719
Bayze Insurance Services, LLC
4421 E 5th St, Tucson, AZ 85711
Crest Insurance Group LLC
5285 E Williams Cir Ste 4500, Tucson, AZ 85711
Lazy Days RV Center, Inc.
3200 East Irvington Rd., Tucson, AZ 85714
DBCO Insurance, LLC
2504 E Elm St Ste 100, Tucson, AZ 85716
Superior Insurance Group LLC
2455 E Speedway Blvd Ste 202, Tucson, AZ 85719
D. M. Lovitt Insurance Agency
607 N 6th Ave, Tucson, AZ 85705
Fruchthendler & Company
3113 E 1st St, Tucson, AZ 85716
Select Choice Insurance Group
2626 N Campbell Ave, Tucson, AZ 85719
Education and Non-Profit Insurance Company of America
3360 N Country Club Rd, Tucson, AZ 85716
Berwick-Himes Insurance Services, L.L.C.
3561 E SUNRISE DR Suite 135, TUCSON, AZ 85718
Barton & Associates Insurance, Inc.
4871 E Speedway Blvd, Tucson, AZ 85712
Amiga Insurance Agency, Inc.
2030 E Broadway Blvd Ste 221, Tucson, AZ 85719
1D Insurance Services LLC
2470 N Oracle Rd Ste 150, Tucson, AZ 85705
3661 N Campbell Ave # 380, Tucson, AZ 85719
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