Key Takeaways
- State Farm has the cheapest car insurance rates in Tucson, offering minimum coverage for $60 a month and full coverage for $120 a month.
- On average, Tucson drivers pay $154 a month for full-coverage car insurance. That’s a good bit more than the statewide monthly average of $123.
- Progressive is the cheapest car insurance company for married drivers.
In this article
The cheapest car insurance companies in Tucson, AZ
State Farm, American Family and Progressive are the cheapest car insurance companies in Tucson, based on our research of the state’s top providers.
Cheapest overall: State Farm
Cheapest with bad credit: American Family
Cheapest for married drivers: Progressive
State Farm offers Tucson’s cheapest insurance rates in all of these driver and coverage categories:
- Full and minimum coverage
- Senior drivers
- Young drivers
- Drivers with a prior incident on their records
Progressive is often competitive with State Farm in each of these areas along with having the city’s lowest rates for drivers who are married.
Which company is the cheapest for you? To find out now, compare auto insurance quotes from several companies.
Arizona car insurance state minimums
Arizona drivers are mandated to carry liability car insurance for bodily injury and property damage. Those policies must meet the following minimums:
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
In addition to liability insurance, drivers may also add optional coverage for:
- Collision and comprehensive
- Towing costs
- Rental fees
- Uninsured motorists
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Cheapest minimum-coverage auto insurance rates in Tucson: State Farm
Tucson drivers will find the cheapest minimum-coverage car insurance rates at State Farm. The company charges $60 a month, on average.
Meanwhile, the average cost of state-minimum car insurance in Tucson is $88 a month. That means State Farm offers a 33% discount.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $60 |
| Progressive | $81 |
| Allstate | $81 |
| American Family | $86 |
| CSAA | $90 |
| GEICO | $102 |
| Trumbull | $114 |
| Farmers | $122 |
| USAA* | $51 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest full-coverage auto insurance rates in Tucson: State Farm
State Farm also leads the way in Tucson for cheap full-coverage auto insurance, offering an average monthly rate of $120.
The average cost of full-coverage car insurance is $154 a month in Tucson. By comparison, State Farm’s rates are 22% cheaper.
Typically, full-coverage car insurance includes collision and comprehensive coverages, in addition to the state-required liability minimums. Full coverage is not legally required in any state, although it’s a good idea for drivers with new or expensive vehicles.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $120 |
| Progressive | $137 |
| American Family | $137 |
| CSAA | $152 |
| Allstate | $164 |
| GEICO | $172 |
| Trumbull | $185 |
| Farmers | $214 |
| USAA* | $105 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance in Tucson for drivers with bad credit: American Family
American Family hsa the most affordable car insurance rates for drivers with bad credit, charging $207 a month for full-coverage policies.
In Tucson, drivers with bad credit pay $433, on average, for full-coverage car insurance. This number is high in many other cities, too, largely due to studies that have connected credit scores with overall driving risk.
| Insurance company | Monthly rate |
|---|---|
| American Family | $207 |
| Progressive | $216 |
| Allstate | $235 |
| GEICO | $258 |
| Farmers | $348 |
| Trumbull | $365 |
| State Farm | $602 |
| CSAA | $1,526 |
| USAA* | $232 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for drivers with a prior incident
State Farm has the cheapest car insurance for drivers with a prior incident — including those with a speeding ticket, at-fault accident or DUI on their record.
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the most affordable car insurance rates for drivers with a speeding ticket, charging $129 a month for full coverage.
Overall, Tucson drivers with speeding tickets pay $200 a month, on average, for full-coverage car insurance. That’s 30% more than what drivers with clean records pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $129 |
| American Family | $167 |
| Progressive | $180 |
| CSAA | $190 |
| GEICO | $208 |
| Allstate | $245 |
| Trumbull | $249 |
| Farmers | $298 |
| USAA* | $135 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with an at-fault accident: State Farm
State Farm also leads the way with the cheapest car insurance rates for drivers with an at-fault accident. On average, the provider charges $140 a month. This is for full coverage; your rate should be lower if you buy minimum coverage.
Nationwide, an accident has a significant impact on a driver’s car insurance premiums — even more so than a speeding ticket. In fact, our research shows that one at-fault accident will raise a driver’s rate by 45%, on average.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $140 |
| Progressive | $203 |
| CSAA | $236 |
| Allstate | $243 |
| American Family | $261 |
| GEICO | $275 |
| Trumbull | $288 |
| Farmers | $321 |
| USAA* | $153 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. *Only available to current/former military and their families. | |
Cheapest for drivers with a DUI: State Farm
State Farm is the best source for cheap car insurance for drivers with a DUI. The company offers an average monthly rate of $129 for full-coverage policies.
Citywide, drivers with a DUI pay $244 a month, meaning State Farm offers a discount of nearly 50%.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $129 |
| Progressive | $163 |
| CSAA | $252 |
| American Family | $258 |
| Allstate | $270 |
| Trumbull | $287 |
| Farmers | $289 |
| GEICO | $302 |
| USAA* | $246 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. *Only available to current/former military and their families. | |
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Cheapest car insurance for senior drivers: State Farm
Tucson seniors will find the lowest car insurance rates at State Farm, where the average full-coverage policy costs $112 a month.
Seniors often enjoy lower car insurance rates than their younger counterparts, largely because they’re seen to be experienced, reliable drivers.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $112 |
| Progressive | $122 |
| American Family | $125 |
| CSAA | $127 |
| Trumbull | $157 |
| GEICO | $168 |
| Allstate | $178 |
| Farmers | $215 |
| USAA* | $101 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. *Only available to current/former military and their families. | |
Cheapest car insurance for young drivers: State Farm
Young drivers in Tucson should head to State Farm for cheap car insurance. There, they’ll find a city-leading minimum-coverage rate of $168 a month, and a full-coverage rate of $341.
In Tucson, the average young driver costs $478 a month to insure. That’s over three times more than the average rate for a 35-year-old.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $168 | $341 |
| Allstate | $189 | $429 |
| GEICO | $226 | $395 |
| CSAA | $237 | $399 |
| Trumbull | $252 | $516 |
| Progressive | $276 | $598 |
| American Family | $276 | $422 |
| Farmers | $498 | $900 |
| USAA* | $140 | $302 |
| Rates are for an 18-year-old male with a clean driving record. *Only available to current/former military and their families. | ||
Cheapest car insurance for married drivers: Progressive
Married drivers will find the cheapest car insurance rates at Progressive, where the average monthly premium is $116 for full coverage.
Married drivers often pay slightly lower rates for car insurance than their single counterparts. This is true in Tucson, where the average rate for married drivers is $144 a month — compared to $154 a month for singles.
| Insurance company | Monthly rate |
|---|---|
| Progressive | $116 |
| State Farm | $120 |
| CSAA | $136 |
| American Family | $137 |
| Allstate | $159 |
| GEICO | $162 |
| Trumbull | $166 |
| Farmers | $204 |
| USAA* | $94 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. *Only available to current/former military and their families. | |
Car insurance laws in Arizona
No-fault car insurance
Arizona is not a no-fault car insurance state. Instead, it’s an at-fault state, also known as a tort state. This means that the driver deemed responsible for an accident must help pay for the victim’s related expenses.
Financial Responsibility Insurance Certificate (SR-22)
An SR-22 form proves that you have auto insurance that meets the state-required minimums. In Arizona, as in most states, the form is only required for drivers returning from suspensions or revocations of their licenses.
Tucson car insurance: FAQs
State Farm has the cheapest car insurance in Tucson, charging $60 a month for minimum coverage and $120 for full coverage.
For minimum-coverage car insurance, the average cost in Tucson is $88 a month. For full coverage, the average cost is $154 a month.
American Family has the lowest car insurance rates in Tucson for drivers with bad credit, offering full coverage for an average $207 a month.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Tucson, Arizona.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
Sources:
Auto insurance by city
- Phoenix
- Tucson
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