How Much Does Car Insurance Cost in Tucson?


In Tucson, it is crucial to save while insuring a vehicle because Tucson premiums are recognized for being pricey. They generally surpass Arizona's average by 5%. Keep some cash in your pocket by following our tips and saving on auto insurance in Tucson.


AUTO INSURANCE RATES: TUCSON VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,315$1,247$1,427


Tucson Car Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you $1,633 every year on premiums. The largest benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save around $612 per year.


TUCSON AUTO INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$2,769
Fair$2,157
Good$1,712
Very Good$1,381
Exceptional$1,136


Tucson Car Insurance for High-Risk Drivers


Do you have a history of accidents or violations? That may have an impact on your car insurance rates. If you are found at-fault in an accident in Tucson, expect your annual car insurance payments to grow by 58%. $954 is the additional cost per year for drivers with a DUI in Tucson, compared to the city average of $1,315. Reckless driving will drive your premiums up as well, with average rates of $2,960!


AVERAGE TUCSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$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 Car Insurance by Marital Status and Gender


There are many factors, including gender and marital status, that affect car insurance premiums in Tucson. However, females have premiums that are only slightly more expensive than those for males. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of 8% more per year.


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


Tucson Auto Insurance Costs by Age Bracket

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance rates among any age group, with rates of $1,149. However, people in their 60s ($1,205) also have relatively low premiums. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Tucson start saving 68%. Rates for drivers in Tucson continue to decrease through their 50s, but they can expect to pay more when they turn 60. With car insurance payments of $5,547 on average, teenage drivers have the highest rates of any age group.


TUCSON CAR INSURANCE PREMIUMS 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


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

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

Find Local Tucson Agents

DBCO Insurance, LLC

2504 E Elm St Ste 100 Tucson, AZ 85716

Select Choice Insurance Group

2626 N Campbell Ave Tucson, AZ 85719

Solution Smiths

3661 N Campbell Ave # 380 Tucson, AZ 85719

Education and Non-Profit Insurance Company of America

3360 N Country Club Rd Tucson, AZ 85716

D. M. Lovitt Insurance Agency

607 N 6th Ave Tucson, AZ 85705

Castillo Insurance Group

2448 E 6th St Tucson, AZ 85719

Bayze Insurance Services, LLC

4421 E 5th St Tucson, AZ 85711

Insurance Solutions IBS

655 N Swan Rd Tucson, AZ 85711

Crest Insurance Group LLC

5285 E Williams Cir Ste 4500 Tucson, AZ 85711

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

3561 E SUNRISE DR TUCSON, AZ 85718

1D Insurance Services LLC

2470 N Oracle Rd Ste 150 Tucson, AZ 85705

Fruchthendler & Company

3113 E 1st St Tucson, AZ 85716

Etna Insurance Agency, Inc.

3430 N 1st Ave Ste 2 Tucson, AZ 85719

Lazy Days RV Center, Inc.

3200 East Irvington Rd. Tucson, AZ 85714

Amiga Insurance Agency, Inc.

2030 E Broadway Blvd Tucson, AZ 85719

Superior Insurance Group LLC

2455 E Speedway Blvd Ste 202 Tucson, AZ 85719

Barton & Associates Insurance, Inc.

4871 E Speedway Blvd Tucson, AZ 85712

Lewis Benefits Group LLC

2571 N Water Pl Tucson, AZ 85712

See All

Not sure about Tucson

Check out these other Arizona cities...

Phoenix

Mesa

Chandler

Gilbert

Glendale

Scottsdale

2

$1,093

The average Tucsonan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

_icon-city-hot-dog

159

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

See How Much You Can Save in Tucson

Just enter your zip code to get started

Your information is secure.

Recent Questions:

Tucson Car Insurance

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

Oct 03, 2018

Got a vehicle that doesn’t run in my driveway. Can I get insurance on it like storage type till its ...

Additional Resources:

Tucson Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...