How Much Are Car Insurance Rates in Tucson?


Premiums in Arizona are recognized for being low-cost. They generally sit under the national average by $180. Let's compare car insurance costs in Tucson versus premiums across the nation.


INSURANCE PRICES: TUCSON VS. STATE/NATIONAL MEAN
City AverageState AverageNational Average
$1,315$1,247$1,427


Tucson Car Insurance for High-Risk Drivers


Prior accidents and violations can cost you in terms of prices on car insurance. $761 is the amount by which you can expect your annual insurance premiums to rise in Tucson if you have an at-fault accident on your driving record. Speeding 16-20mph over the speed limit can cost you in terms of insuring your vehicle. People with a speeding ticket on their record usually pay $444 more per year.


AVERAGE TUCSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$2,269
Reckless Driving$2,960
At-fault Accident (damages less than $1,000)$2,076
At-fault Accident (damages greater than $2,000)$2,076
Speeding Ticket (16-20 mph over speed limit)$1,759


Tucson Auto Insurance Premiums by Age Bracket

With average car insurance payments of $5,547, teenage drivers have the largest premiums amongst all the age groups. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance rates among any age group, with rates of $1,149 per year. Those in their 60s ($1,205) also have relatively low premiums. The greatest fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Tucson start paying $3,781 less in premiums. Car insurance premiums for drivers in Tucson continue to shrink through their 50s, but they can expect to pay more when they turn 60.


TUCSON CAR INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,547
20s$1,766
30s$1,293
40s$1,240
50s$1,149
60s$1,205
70s$1,540


Tucson Auto Insurance by Credit Score


There is a discrepancy of $1,633/year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) hands over the biggest reduction in premiums to drivers, as they save close to $612 per year.


TUCSON CAR INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Auto Insurance Rate
Very Poor$2,769
Fair$2,157
Good$1,712
Very Good$1,381
Exceptional$1,136


Tucson Auto Insurance by Gender and Marital Status


Car insurance premiums in Tucson are influenced by marital status and gender. However, premiums for women tend to be only a bit more costly than for men. Rates for those who are widowed are slightly cheaper than rates for those who are single. Those who are married save roughly 8% per year on car insurance compared to those who are single or divorced.


TUCSON AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,321
Male$1,315
Single$1,315
Married$1,215
Divorced$1,315
Widowed$1,292


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

48

Rainy Days a Year

11"

Avg. Annual Rainfall

1"

Avg. Annual Snowfall

Be Prepared For

Driving in Tucson

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

Find Local Tucson Agents

Fruchthendler & Company

3113 E 1st St Tucson, AZ 85716

DBCO Insurance, LLC

2504 E Elm St Ste 100 Tucson, AZ 85716

Barton & Associates Insurance, Inc.

4871 E Speedway Blvd Tucson, AZ 85712

Insurance Solutions IBS

655 N Swan Rd Tucson, AZ 85711

Lazy Days RV Center, Inc.

3200 East Irvington Rd. Tucson, AZ 85714

Crest Insurance Group LLC

5285 E Williams Cir Ste 4500 Tucson, AZ 85711

Lewis Benefits Group LLC

2571 N Water Pl Tucson, AZ 85712

Education and Non-Profit Insurance Company of America

3360 N Country Club Rd Tucson, AZ 85716

Amiga Insurance Agency, Inc.

2030 E Broadway Blvd Tucson, AZ 85719

Select Choice Insurance Group

2626 N Campbell Ave Tucson, AZ 85719

Solution Smiths

3661 N Campbell Ave # 380 Tucson, AZ 85719

Bayze Insurance Services, LLC

4421 E 5th St Tucson, AZ 85711

Castillo Insurance Group

2448 E 6th St Tucson, AZ 85719

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

3561 E SUNRISE DR TUCSON, AZ 85718

Superior Insurance Group LLC

2455 E Speedway Blvd Ste 202 Tucson, AZ 85719

1D Insurance Services LLC

2470 N Oracle Rd Ste 150 Tucson, AZ 85705

Etna Insurance Agency, Inc.

3430 N 1st Ave Ste 2 Tucson, AZ 85719

D. M. Lovitt Insurance Agency

607 N 6th Ave Tucson, AZ 85705

See All

Not sure about Tucson

Check out these other Arizona cities...

Phoenix

Mesa

Chandler

Gilbert

Glendale

Scottsdale

$1,093

The average Tucsonan's annual cost of coverage

40%

Our customer's average savings after comparing insurance

159

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

See How Much You Can Save in Tucson

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Additional Resources:

Tucson Car Insurance

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