Car Insurance in Tucson
On average, Tucson premiums surpass Arizona's average by 5%. Let’s go over some ways to save on car insurance in Tucson.
- City Average: $1,315
- State Average: $1,247
- National Average: $1,427
Tucson Car Insurance by Gender and Marital Status
Car insurance premiums in Tucson are influenced by marital status as well as gender. Rates for those who are widowed are slightly cheaper than rates for those who are single. You can save close to 8% per year if you're married as opposed to single. Generally, males have premiums that are a bit cheaper than those for females.
- Female: $1,321
- Male: $1,315
- Single: $1,315
- Married: $1,215
- Divorced: $1,315
- Widowed: $1,292
Tucson Car Insurance by Credit Rating
Those with Very Poor credit (300-579) generally pay 144% more every year on premiums than those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) offers drivers the greatest percent drop in premiums, as they save nearly 22% per year.
- Very Poor: $2,769
- Fair: $2,157
- Good: $1,712
- Very Good: $1,381
- Exceptional: $1,136
Tucson Car Insurance by Accident or Violation History
Do you have an accident or violation on your record? That can influence your car insurance premiums. Reckless driving will increase your car insurance premiums more than other driving violations. In general, a DUI in Tucson will cost you 73% more in car insurance premiums versus the city average of $1,315. Reckless driving will bump your premiums up as well, with typical rates of $2,960! Accidents happen, even to safe drivers, so be prepared and learn how your rates can change after one. If you are found at-fault in an accident in Tucson, you can expect your yearly car insurance premiums to grow by 58%.
- DUI: $2,269
- Reckless Driving: $2,960
- At-fault Accident (damages less than $1000): $2,076
- At-fault Accident (damages greater than $2000): $2,076
- Speeding Ticket (16-20 mph over speed limit): $1,759
Tucson Car Insurance by Age
Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $5,547. The largest drop in premiums between any age group is from the teenage age range to the 20s, as drivers in Tucson start seeing a reduction in premiums of 68%. In Tucson, turning 60 means a rise in premiums. Up until then, moving between age groups means decreasing prices. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance premiums among any age group, with rates of $1,149/year. People in their 60s ($1,205) also have relatively low premiums.
- 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Tucson Agents
D. M. Lovitt Insurance Agency
607 N 6th Ave Tucson, AZ 85705
Amiga Insurance Agency, Inc.
2030 E Broadway Blvd Tucson, AZ 85719
Superior Insurance Group LLC
2455 E Speedway Blvd Ste 202 Tucson, AZ 85719
3661 N Campbell Ave # 380 Tucson, AZ 85719
Berwick-Himes Insurance Services, L.L.C.
3561 E SUNRISE DR TUCSON, AZ 85718
Fruchthendler & Company
3113 E 1st St 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
Barton & Associates Insurance, Inc.
4871 E Speedway Blvd Tucson, AZ 85712
DBCO Insurance, LLC
2504 E Elm St Ste 100 Tucson, AZ 85716
Lewis Benefits Group LLC
2571 N Water Pl Tucson, AZ 85712
Bayze Insurance Services, LLC
4421 E 5th St Tucson, AZ 85711
Castillo Insurance Group
2448 E 6th St Tucson, AZ 85719
Lazy Days RV Center, Inc.
3200 East Irvington Rd. Tucson, AZ 85714
Etna Insurance Agency, Inc.
3430 N 1st Ave Ste 2 Tucson, AZ 85719
Select Choice Insurance Group
2626 N Campbell Ave Tucson, AZ 85719
1D Insurance Services LLC
2470 N Oracle Rd Ste 150 Tucson, AZ 85705
Education and Non-Profit Insurance Company of America
3360 N Country Club Rd Tucson, AZ 85716
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Tucson Car Insurance
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