Who Has the Cheapest Car Insurance Quotes in Tucson, Arizona?
State Farm has the cheapest full coverage car insurance quotes in Tucson, at $112 per month. Travelers offers the cheapest minimum coverage rates, at $41 per month.
Find Cheap Auto Insurance Quotes in Tucson, AZ
Best cheap car insurance companies in Tucson
To help you find the best cheap car insurance in Tucson, AZ, ValuePenguin compared quotes from the top auto insurance companies in Arizona across every ZIP code in the city. Minimum coverage quotes meet Arizona's state liability insurance requirements. Quotes include $25,000 in bodily injury liability coverage per person and $50,000 per accident, plus $15,000 in property damage coverage.
Quotes for full coverage insurance include higher liability limits than state minimums, plus comprehensive and collision coverage.
Our experts ranked the best insurance companies in Tucson using customer service reviews, coverage availability and cost.
Cheapest car insurance in Tucson: State Farm
State Farm has the cheapest full coverage car insurance quotes in Tucson.
At $112 per month, full coverage from State Farm is 33% cheaper than average. The average cost of full coverage insurance in Tucson, AZ is $166 per month.
Current and former military members and their families should also compare quotes from USAA. It has very affordable full coverage quotes, averaging $115 per month. And USAA has a reputation for excellent customer service. However, not all Tucson drivers can purchase a policy from USAA.
Find Cheap Auto Insurance Quotes in Tucson, AZ
Best cheap full coverage quotes in Tucson
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $112 | |
| Travelers | $130 | |
| Progressive | $135 | |
| AAA | $157 | |
| Geico | $157 | |
*USAA is only available to current and former military members and their families.
Cheapest liability insurance quotes in Tucson: Travelers
Travelers has the cheapest car insurance in Tucson, AZ.
A minimum coverage policy from Travelers costs around $41 per month, That's 39% cheaper than the citywide average. The average cost of car insurance in Tucson is $67 per month for minimum coverage.
Find Cheap Auto Insurance Quotes in Tucson, AZ
Cheap minimum coverage auto insurance quotes in Tucson, AZ
Company | Monthly rate |
|---|---|
| Travelers | $41 |
| State Farm | $51 |
| Progressive | $75 |
| AAA | $76 |
| Geico | $78 |
*USAA is only available to current and former military members and their families.
Cheap quotes for young drivers in Tucson: Travelers
Travelers has the most affordable car insurance quotes for teen drivers in Tucson.
A minimum coverage policy from Travelers costs $100 per month for an 18-year-old driver. That's 51% cheaper than the Tucson average. Travelers also has the cheapest full coverage rate, at $319 per month, which is 36% cheaper than the city average.
Teen drivers in the military and those with a family member who has served can find even better rates at USAA. At $77 per month, minimum coverage from USAA is 63% cheaper than average.
Monthly car insurance quotes for teen drivers in Tucson, AZ
Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $100 | $319 |
| Geico | $182 | $336 |
| State Farm | $176 | $345 |
| AAA | $221 | $384 |
| The Hartford | $161 | $449 |
The average 18-year-old driver in Tucson pays three times more for car insurance compared to a 30-year-old driver.
Age is one of the primary factors insurance companies consider when determining your insurance quote. Young drivers have less experience behind the wheel, so they're more likely to make a mistake and cause an accident. That makes them more expensive to insure, so companies tend to charge more for coverage.
To get the cheapest car insurance rates as a young driver, you should:
- Share a policy with your parents. The overall cost of a combined policy will go up, but the added cost will be much cheaper than the price of a separate policy.
- Ask about discounts. Many companies offer discounts for getting good grades and taking safe-driving classes.
- Compare quotes from multiple companies. The difference between the cheapest and most expensive insurance for teens is $315 per month for minimum coverage. Consider small insurance companies, too, as some may have cheaper quotes than large companies.
Cheapest car insurance after a speeding ticket: State Farm
State Farm has the cheapest car insurance quotes in Tucson for drivers with a speeding ticket on their record. A full coverage policy from State Farm after a single ticket costs $119 per month, which is 45% cheaper than the city average.
Cheapest Tucson car insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $119 |
| Travelers | $165 |
| Progressive | $177 |
| Geico | $188 |
| AAA | $196 |
Tucson drivers can expect their car insurance rates to go up by an average of 31% after a single speeding ticket. That's an increase of around $51 per month.
Cheapest car insurance after an accident: State Farm
State Farm has the best low-cost insurance in Tucson after an at-fault accident. Full coverage from State Farm costs an average of $129 per month, which is 45% less expensive than the Tucson average.
Cheapest auto insurance after an accident in Tucson
Company | Monthly rate |
|---|---|
| State Farm | $129 |
| Geico | $171 |
| Travelers | $180 |
| Progressive | $190 |
| AAA | $261 |
Drivers in Tucson pay an additional $70 per month for full coverage after an accident. That's 42% more than drivers with a clean record pay for the same coverage. When you have an accident on your record, insurance companies believe you're more likely to be in another accident. That's why they usually increase your rates.
Besides comparing quotes from multiple companies, drivers with an accident history should see what discounts they can qualify for. For example, many companies have discounts for installing safety devices and attending defensive driving classes.
Cheapest auto insurance in Tucson after a DUI: State Farm
State Farm has the most affordable full coverage quotes for Tucson drivers with a DUI, averaging $119 per month. That's 53% cheaper than the city average, which is $254 per month.
Cheapest car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| State Farm | $119 |
| Progressive | $155 |
| Travelers | $183 |
| AAA | $260 |
| Geico | $272 |
Drivers in Tucson with a DUI on their record pay 53% more for full coverage insurance than those with a clean record.
However, not all insurance companies treat a DUI the same way when it comes to rates. For example, State Farm only raises prices by 6% after a DUI. Drivers insured with USAA can expect a 135% increase.
Cheapest car insurance for drivers with poor credit: Travelers
Travelers has the cheapest car insurance quotes in Tucson for drivers with a poor credit score. Full coverage from Travelers costs around $195 per month for these drivers, which is 57% cheaper than average.
Cheapest for Tucson drivers with poor credit
Company | Monthly rate |
|---|---|
| Travelers | $195 |
| Progressive | $226 |
| Geico | $235 |
| Allstate | $307 |
| Farmers | $383 |
A poor credit score nearly triples your car insurance rates in Tucson. That's $289 more per month for full coverage than the cost for a driver with a good credit score.
Your credit score doesn't reflect your driving habits. But car insurance companies believe drivers with poor credit are more likely to make a claim in the future. That makes these drivers more expensive to insure, so companies charge them more for coverage.
Cheap quotes for teen drivers with traffic violations: Travelers
Travelers has the most affordable minimum coverage rates for young drivers with an incident on their record.
A policy from Travelers costs $118 per month for an 18-year-old driver with a single speeding ticket. That's 52% cheaper than the Tucson city average. It also has the best rates after an at-fault accident, at $133 per month, which is less than half the average.
Monthly minimum coverage rates for teen drivers after an incident
Company | Speeding | Accident |
|---|---|---|
| Travelers | $118 | $133 |
| State Farm | $190 | $188 |
| Geico | $215 | $210 |
| The Hartford | $219 | $282 |
| Allstate | $275 | $284 |
Teens with a bad driving record in Tucson can expect to pay more for car insurance than those with a clean record. The cost of minimum coverage increases by an average of 19% after a single speeding ticket. And it goes up by 11% after an at-fault accident.
Cheapest car insurance for married drivers: State Farm
State Farm has the best low-cost car insurance in Tucson for married drivers. A full coverage policy from State Farm costs $112 per month for one car, which is 27% cheaper than average. However, that's the same price that unmarried drivers pay for coverage from State Farm.
Company | Monthly rate |
|---|---|
| State Farm | $112 |
| Progressive | $115 |
| Travelers | $131 |
| AAA | $150 |
| Geico | $151 |
On average, married drivers in Tucson pay 8% less for car insurance than unmarried drivers. The Hartford offers the biggest discount for married drivers, at 41%. But it still charges $74 more per month than State Farm for full coverage.
Best car insurance in Tucson, AZ: USAA
USAA is the best-rated car insurance company in Tucson.
Arizona drivers are generally happy with the service they receive from USAA. The company consistently earns the top score on J.D. Power's claims satisfaction study. In addition, USAA has a low number of complaints, according to the National Association of Insurance Commissioners (NAIC). ValuePenguin editors also give USAA high marks based on its affordable rates and coverage options.
However, USAA has strict eligibility requirements — only military members, veterans and certain family members qualify.
If you don't qualify for USAA, you should consider State Farm and AAA. Both companies earn high scores from ValuePenguin editors for customer satisfaction and overall value.
Best insurance companies in Tucson, AZ
Company |
Editor's rating
|
|---|---|
| USAA | |
| State Farm | |
| AAA | |
| Farmers | |
| Travelers | |
| Geico | |
| Allstate | |
| Progressive | |
| The Hartford | NR |
Everyone wants to save money, but cheap prices don't always make up for poor service. A higher-priced company with excellent service may be worth it if it means you have an easier claims process.
Average car insurance quotes in Tucson by ZIP code
The cheapest car insurance quotes in Tucson are in the 85739 ZIP code, outside of Oracle. Drivers in the downtown ZIP code of 85701 pay the highest rates.
There's a $23 per month difference in the cost of full coverage insurance between the most and least expensive areas of Tucson. Certain areas of the city have more people, more accidents or higher crime rates. All of these factors can drive up the cost of car insurance.
Cost of full coverage insurance by Tucson ZIP code
ZIP code | Monthly cost | % from average |
|---|---|---|
| 85701 | $173 | 4% |
| 85704 | $158 | -5% |
| 85705 | $170 | 2% |
| 85706 | $166 | 0% |
| 85708 | $164 | -1% |
Minimum auto insurance requirements in Tucson
Tucson drivers must have a minimum amount of liability insurance to legally drive on public roads. This requirement is sometimes written as 25/50/15.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
What's the best car insurance coverage in Tucson, AZ?
Minimum coverage insurance is the cheapest option for drivers in Tucson. That's because it only includes the minimum amount of liability coverage required in Arizona.
Minimum liability insurance isn't the best choice for most drivers. That's because it only helps pay for damage or injuries you cause to others. The liability limits may not be high enough to fully cover the cost of a major accident, either. In addition, minimum coverage won't pay to fix or replace your car after an accident or theft.
Most drivers should get full coverage car insurance. This is especially true if you own a car that's less than 8 years old or worth more than $5,000.
A full coverage policy costs $99 more per month than a minimum coverage policy in Tucson.
That's because it offers more protection. Unlike minimum coverage, full coverage includes comprehensive and collision coverage.
- Collision coverage pays for damage to your car if you hit another vehicle, run into a building or pole or drive on a damaged road.
- Comprehensive coverage protects you against events outside your control like theft, natural disasters and falling objects.
Frequently asked questions
Is car insurance expensive in Tucson?
Car insurance in Tucson is more expensive than the average in Arizona. Minimum coverage insurance in Tucson costs around $67 per month, which is 5% higher than the Arizona average. It's also 16% higher than the national average.
Who normally has the cheapest car insurance in Tucson?
Travelers has the cheapest minimum coverage quotes in Tucson, averaging $41 per month. Drivers who need a full coverage policy can find the best rates at State Farm, where coverage costs $112 per month.
What is the best car insurance in Tucson, AZ?
USAA is the best-rated car insurance company in Tucson. USAA has excellent customer service reviews, helpful coverage options and affordable rates. However, only military members, veterans and their families can get car insurance from USAA.
Drivers who don't qualify should consider State Farm, which also has great service and some of the cheapest rates in the city.
Methodology
To find the best cheap auto insurance in Tucson, AZ, ValuePenguin analyzed quotes from the top insurance companies in Arizona. Rates are for a 30-year-old single man with a clean driving record and good credit score who owns a 2015 Honda Civic EX.
Full coverage quotes include higher liability limits than Arizona state requirements, along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision deductible: $500
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.