What's the Average Cost of Car Insurance in Tucson?


Tucson premiums are $141 higher than Arizona's average, which is why the city is known for its expensive premiums. We've analyzed how auto insurance rates in Tucson compare to premiums nationwide.


CAR INSURANCE RATES: TUCSON VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,362$1,221$1,569


Tucson Car Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest premiums among any age group, with rates of $1,200/year. However, those in their 60s ($1,252) aren’t paying significantly more. When drivers hit their 20s in Tucson, therefore moving out of the teenage age bracket, they reduce their premiums by 68%. It is the biggest difference between any age group. While insurance rates for drivers in Tucson will continue to shrink through their 50s, they should expect a change when they turn 60. Car insurance premiums are highest for teenage drivers, with payments that average $5,594 per year.


TUCSON AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$5,594
20s$1,817
30s$1,342
40s$1,294
50s$1,200
60s$1,252
70s$1,539


Tucson Auto Insurance With Accidents or Violations


Do you have a history of accidents or violations? That may have an impact on your car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. In Tucson, drivers with a DUI need to spend over double the average for the city to insure their vehicle. Reckless driving will push your premiums up as well, with average rates of $2,346, which are 72% higher than the city average! The value of the damage caused by an accident plays a part in how significantly insurance rates will climb. When comparing rates for drivers with at-fault accidents in Tucson, those with damages exceeding $2,000 pay $282 more than those with damages less than $1,000.


AVERAGE TUCSON INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationMean Rate
DUI$3,052
Reckless Driving$2,346
At-fault Accident (damages less than $1,000)$1,867
At-fault Accident (damages greater than $2,000)$2,149
Speeding Ticket (16-20 mph over speed limit)$1,817


Tucson Auto Insurance by Credit Rating


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the greatest reduction in premiums when they improve their credit from Very Poor (300-579) to Fair (580-669). That change can save them $1,417 per year.


TUCSON AUTO INSURANCE COSTS BY CREDIT TIER
CreditAverage Auto Insurance Rate
Very Poor$3,072
Fair$1,655
Good$1,362
Very Good$1,233
Exceptional$1,128


Tucson Auto Insurance by Gender and Marital Status


Marital status as well as gender are important considerations in determining the price of car insurance in Tucson. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married can save you an average of 7% per year compared to being single. Premiums for women tend to be more expensive than for men, but not by much.


TUCSON AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,374
Male$1,362
Single$1,362
Married$1,270
Divorced$1,362
Widowed$1,334


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

Crest Insurance Group LLC

5285 E Williams Cir Ste 4500 Tucson, AZ 85711

Amiga Insurance Agency, Inc.

2030 E Broadway Blvd Tucson, AZ 85719

1D Insurance Services LLC

2470 N Oracle Rd Ste 150 Tucson, AZ 85705

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

3561 E SUNRISE DR TUCSON, AZ 85718

Castillo Insurance Group

2448 E 6th St Tucson, AZ 85719

Lewis Benefits Group LLC

2571 N Water Pl Tucson, AZ 85712

Etna Insurance Agency, Inc.

3430 N 1st Ave Ste 2 Tucson, AZ 85719

Solution Smiths

3661 N Campbell Ave # 380 Tucson, AZ 85719

Bayze Insurance Services, LLC

4421 E 5th St Tucson, AZ 85711

D. M. Lovitt Insurance Agency

607 N 6th Ave Tucson, AZ 85705

Select Choice Insurance Group

2626 N Campbell Ave Tucson, AZ 85719

Fruchthendler & Company

3113 E 1st St Tucson, AZ 85716

Superior Insurance Group LLC

2455 E Speedway Blvd Ste 202 Tucson, AZ 85719

DBCO Insurance, LLC

2504 E Elm St Ste 100 Tucson, AZ 85716

Education and Non-Profit Insurance Company of America

3360 N Country Club Rd Tucson, AZ 85716

Barton & Associates Insurance, Inc.

4871 E Speedway Blvd Tucson, AZ 85712

Lazy Days RV Center, Inc.

3200 East Irvington Rd. Tucson, AZ 85714

Insurance Solutions IBS

655 N Swan Rd Tucson, AZ 85711

Not sure about Tucson

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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.