Tucson, AZ Car Insurance

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

Jump to:

• Company
• Age
• Gender and marital status
• Driving history
• Credit rating

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

Consult our expert guide to finding the best cheap auto insurance quotes.

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

Learn more about the impact of age on auto insurance rates.

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

Learn more about the impact gender and marital status have on insurance rates.

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

Learn more about how citations can raise your auto insurance rates.

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

Learn more about the relationship between poor credit and car insurance.

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