The best car insurance in Tucson, AZ

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 24, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and how we make money.

The average Tucson driver pays $1,646 per year for full coverage car insurance. Compared to the Arizona state average of $1,565, Tucson residents pay $81 more for the same coverage.

Ready to shop car insurance?

Start calculator

Tucson drivers can save on their car insurance costs by shopping around and comparing rates before buying insurance. Policygenius can help you see quotes from top companies and choose the best coverage at the lowest rates.

Key Takeaways

  • Root Insurance has the lowest average rates in Tucson at $766 per year for full coverage

  • The ZIP code with the cheapest car insurance rates in Tucson is 85701, with yearly rates of $1,667

  • The minimum liability car insurance requirements in Arizona are $25,000 per person/$50,000 per accident in bodily injury liability and $15,000 in property damage liability

Cheapest car insurance companies in Tucson, AZ

Insurance companies all use the same information to determine car insurance rates. Your age, marital status, and credit score all impact your rates, but what you’ll pay can vary from company to company.

To ensure you’re getting the lowest rates possible, obtaining quotes from multiple companies is a great place to start.

Company

Average cost

JD Power Rating

Root

$766

--

Auto-Owners Insurance

$908

890

GEICO

$914

871

USAA

$1,299

890

Iowa Farm Bureau

$1,376

--

Cheapest car insurance rates by ZIP code in Tucson, AZ

Car insurance companies will look at the number of accidents, stolen vehicles, and other incidents in your ZIP code and set rates accordingly. Things like the availability of secured parking and number of streetlights in your neighborhood can impact your rates as well.

ZIP code

Average cost

85701

$1,666

85705

$1,752

85706

$1,611

85708

$1,633

85709

$1,690

85710

$1,653

85711

$1,606

85712

$1,630

Choosing the right car insurance company in Tucson, AZ

The truth is, there’s no one best company for every driver. The only way to be sure you’re picking the right car insurance company is to consider plenty of options before buying. 

Policygenius can help you see quotes from top car insurance companies, so you can choose the coverage that’s right for you.

Car insurance rates for drivers with driving violations in Tucson, AZ

While a single speeding ticket might not seem like a big deal, too many tickets in a short time can have a major impact on your car insurance rates and more serious violations or accidents can mean paying a lot more for car insurance.

Violation

Root

Auto-Owners Insurance

GEICO

USAA

Iowa Farm Bureau

At-fault Accident

$1,008

$1,316

$1,439

$2,041

$2,387

DUI

$727

$1,693

$1,816

$3,287

$2,986

Driving with a suspended license

$1,011

$1,693

$1,816

$3,140

$2,986

Driving with an open container

$727

$1,693

$1,816

$1,912

$1,673

Driving with expired registration

$952

$939

$1,029

$2,071

$1,673

Driving without Lights

$952

$939

$1,029

$1,799

$1,673

Failure to show documents

$952

$939

$992

$2,071

$1,673

Failure to stop at a red light

$952

$939

$1,029

$1,799

$1,673

Cheapest car insurance for drivers with bad credit in Tucson, AZ

A bad credit score often indicates to insurers that you’re more likely to file an insurance claim, which means paying more for car insurance. Tucson drivers with poor credit should take extra time to shop around in order to find their most affordable rates.

Company

Rates for drivers with bad credit

Root

$969

GEICO

$1,297

Nationwide

$2,061

Iowa Farm Bureau

$2,257

Safeway Insurance

$2,461

Ready to shop car insurance?

Start calculator

Buying car insurance in Tucson, AZ

Arizona state law mandates drivers must carry the following minimum amounts of liability insurance:

  • Bodily Injury Liability Coverage Per Person: $25,000

  • Bodily Injury Liability Coverage Per Accident: $50,000 

  • Property Damage Liability Coverage: $15,000

Arizona is an at fault state when it comes to car accidents. This means that the insurance company of the driver at fault in an accident will pay for the other party’s injuries and damage. That’s why it’s important to have much higher liability limits than are required by the state, to ensure you’re fully covered in case you cause an accident.

How to get cheap car insurance in Tucson, AZ

Car insurance discounts are one of the best ways to make sure you’re getting a good deal on car insurance. Some of the most common car insurance discounts are:

  • Safe-driver discount: For drivers who have no accidents on their claims history

  • Bundling discount: For getting your auto and home or renters insurance from the same company

  • Military discount: For active-duty service members and their families

  • Multi-car discount: For insuring multiple cars on the same policy

  • Low mileage discount: For drivers who commute less than 7,500 miles annually

Discounts vary by company, and you might not qualify for any of them, so be sure to ask your provider which ones may apply to you.

Frequently asked questions

Who has the lowest car insurance rates in Tucson?

According to our analysis, Root has the lowest insurance rates in Tucson, at an average rate of $766 per year for full coverage.

I heard insurance rates go down at age 25, but mine didn’t, why not?

If you drive an expensive car, have multiple citations for speeding, or live in a neighborhood with a high rate of car thefts or accidents, your insurer may consider you riskier to insure and may not offer the usual price drop.

I got a speeding ticket, will my insurance go up?

Your insurance can go up after a single speeding ticket, sometimes by a lot. If you’re a Tucson driver insured with GEICO, a single speeding ticket can increase your rates by more than $700 per year.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.