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 AverageNational Average
$1,521$1,470$1,548

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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 CompanyAverage Rate (annual)
GEICO$755
USAA$1,227
American Family$1,556
State Farm$1,615
Progressive$1,617

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
Age GroupAverage Yearly Rate
Teens$6,265
20s$2,036
30s$1,488
40s$1,439
50s$1,341
60s$1,395
70s$1,773

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
Marital Status/GenderAverage Annual Rate
Female$1,536
Male$1,521
Single$1,393
Married$1,393
Divorced$1,521
Widowed$1,453

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
CitationAverage Yearly Rate
DUI/DWI$2,301
Reckless Driving$2,177
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

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
Credit TierAverage Yearly Rate
Very Poor$3,461
Fair$1,864
Good$1,521
Very Good$1,372
Exceptional$1,217

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

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.

48

Rainy Days a Year

11"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in Tucson

2
Major Highways
I-10 I-19 SR 77
2
Public Transit
Sun Tran Bus Sun Link Streetcar
2
Popular Day Trips
Sedona Montezuma Castle Flagstaff

Car Insurance Companies in Tucson

Find Local Tucson Agents

Berwick-Himes Insurance Services, L.L.C.

3561 E SUNRISE DR Suite 135, TUCSON, AZ 85718

DBCO Insurance, LLC

2504 E Elm St Ste 100, Tucson, AZ 85716

Fruchthendler & Company

3113 E 1st St, Tucson, AZ 85716

Lazy Days RV Center, Inc.

3200 East Irvington Rd., Tucson, AZ 85714

D. M. Lovitt Insurance Agency

607 N 6th Ave, Tucson, AZ 85705

Lewis Benefits Group LLC

2571 N Water Pl, Tucson, AZ 85712

Castillo Insurance Group

2448 E 6th St, Tucson, AZ 85719

Superior Insurance Group LLC

2455 E Speedway Blvd Ste 202, Tucson, AZ 85719

Etna Insurance Agency, Inc.

3430 N 1st Ave Ste 2, Tucson, AZ 85719

Solution Smiths

3661 N Campbell Ave # 380, Tucson, AZ 85719

Amiga Insurance Agency, Inc.

2030 E Broadway Blvd Ste 221, Tucson, AZ 85719

Barton & Associates Insurance, Inc.

4871 E Speedway Blvd, Tucson, AZ 85712

1D Insurance Services LLC

2470 N Oracle Rd Ste 150, Tucson, AZ 85705

Bayze Insurance Services, LLC

4421 E 5th St, Tucson, AZ 85711

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

Crest Insurance Group LLC

5285 E Williams Cir Ste 4500, Tucson, AZ 85711

Insurance Solutions IBS

655 N Swan Rd, Tucson, AZ 85711

Not sure about Tucson

Check out these other Arizona cities:

Phoenix

Scottsdale

Glendale

Gilbert

Chandler

Mesa

2

$1,093

The average Tucsonan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

159

That's equal to 159 sonoran dogs or $437 in savings

See How Much You Can Save in Tucson

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Recent Questions:

Tucson Car Insurance

What is the average cost for an 18 year old female with a sports car in Arizona?

There's a couple of things to consider regarding the average cost of car insurance for you. First, your age will definitely impact your premium.

Can I get insurance for a vehicle I am fixing up?

Most companies do not have storage insurance but you can get the minimum liability coverage. If you are not driving the car, you can turn in the license plates and the registration.