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 Average||State Average||National Average|
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
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
|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
|Credit||Average Auto Insurance Rate|
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/Gender||Average Rate|
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
Car Insurance Companies in Tucson
Find Local Tucson Agents
Barton & Associates Insurance, Inc.
4871 E Speedway Blvd Tucson, AZ 85712
Education and Non-Profit Insurance Company of America
3360 N Country Club Rd Tucson, AZ 85716
Berwick-Himes Insurance Services, L.L.C.
3561 E SUNRISE DR TUCSON, AZ 85718
D. M. Lovitt Insurance Agency
607 N 6th Ave Tucson, AZ 85705
Etna Insurance Agency, Inc.
3430 N 1st Ave Ste 2 Tucson, AZ 85719
Crest Insurance Group LLC
5285 E Williams Cir Ste 4500 Tucson, AZ 85711
Select Choice Insurance Group
2626 N Campbell Ave Tucson, AZ 85719
3661 N Campbell Ave # 380 Tucson, AZ 85719
Castillo Insurance Group
2448 E 6th St Tucson, AZ 85719
1D Insurance Services LLC
2470 N Oracle Rd Ste 150 Tucson, AZ 85705
Lazy Days RV Center, Inc.
3200 East Irvington Rd. Tucson, AZ 85714
Amiga Insurance Agency, Inc.
2030 E Broadway Blvd Tucson, AZ 85719
Bayze Insurance Services, LLC
4421 E 5th St Tucson, AZ 85711
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
Lewis Benefits Group LLC
2571 N Water Pl Tucson, AZ 85712
Insurance Solutions IBS
655 N Swan Rd Tucson, AZ 85711
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