Best Car Insurance Rates in Tucson, Arizona

On average your neighbors pay $70 a month.

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Compare Car Insurance Quotes in Tucson, AZ

Tucson, Arizona is home to the University of Arizona Wildcats, whose basketball team boasts the third highest winning percentage in the nation over the last 20 years. The Wildcats made 25 consecutive NCAA tournaments between 1985 and 2009, the second highest record in NCAA history. So, bear down on your car insurance and make sure you’re getting the cheapest rates possible.

Average Tucson Car Insurance Rates

How much is car insurance in Tucson, AZ? Residents shouldn't be surprised to learn that average car insurance rates in Tucson are higher than both the state and national averages. On average, auto insurance Arizona costs $837.24 a year. The national average cost is $866.31. However, you can be sure that rates in Tucson are higher than the state average.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

Arizona Average Annual Car Insurance Rates
Coverage Rates
Liability $507.18
Collision $269.07
Comprehensive $185.63
Total Cost Per Year $837.24
Price Per Month $69.77

QuoteWizard helps consumers compare quotes from both national insurance companies and local independence agents. Comparing quotes can help you find cheap car insurance rates near Tucson, Arizona and save up to 40% on your premium.

Last year, 17,150 residents used QuoteWizard to compare auto insurance quotes in Tucson, AZ from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Tucson

This is our list of the most common car makes and models owned by Tucson drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Mustang
  4. Toyota Prius
  5. Ford Ranger
  6. Honda Civic EX
  7. Ford Explorer
  8. Chevrolet C1500 Silverado
  9. Dodge Ram 1500
  10. Chevrolet Impala
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Tucson

These are the most common car insurance companies reported by QuoteWizard users living in Tucson, AZ last year.

Other popular Tucson, Arizona car insurance companies: Esurance, Safeco, Hartford, MetLife, Travelers, Country Financial, 21st Century, and Arizona Farm Bureau.

Tucson Drivers

Allstate Insurance recently published a report showing that when it comes to safe driving, Tucson, AZ ranked 23rd out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.6 years.

Tucson drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Some factors that can affect insurance rates are weather, driving, and road conditions.

Weather

Tucson has a desert climate with long, very hot summers and short, mild winters. Tucson is a very dry city with only 11.56 inches of rainfall per year. What little moisture there is comes between July and September. It can get cold enough to snow here and it sometimes does. However, snowy days are so infrequent that local drivers never see enough to become good at driving in it.

Road Conditions

The condition of Tucson roads is a growing concern for local commuters. According to TRIP, 32% of the major roads are in poor condition and 24% are mediocre. These poorly maintained streets are cost drivers $586 a year in extra vehicle operating costs. These additional operating costs are a direct result of driving on rough roads and are a contributing factor in car accidents.

Traffic Congestion

TomTom's annual traffic index ranks Tucson 26th for worst traffic congestion in the United States. The result is that the average commuter spends an additional 17 minutes per hour stuck in traffic during rush hour commutes and an additional 64 hours per year for those with 30-minute commutes.

Moving Violations

Moving violations such as speeding tickets, accidents, following too close, and drunk driving can add points to your driver's license and raise your insurance rates.

Traffic Tickets

The City of Tucson Traffic Civil Traffic Court website allows residents to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

Traffic Safety Cameras

Tucson has intersections equipped 12 busy intersections with red light cameras. This website lists them, and this web page provides information about the program.

In addition to red light cameras, Tucson has two photo radar vans it places in problem areas throughout the city to deter speeding.

DUI Arrests

The Tucson Police Department recorded 2,686 DUI arrests in 2013, an increase of 8% over the 2,470 arrested in 2012.

Car Accident Statistics

In 2016, Tucson recorded a 6,403 car crashes resulting in 4,460 injuries.

Traffic Fatalities

In 2016, Tucson reported 54 deaths in motor vehicle crashes. All traffic deaths are a tragic loss, but considering Tucson’s estimated population of 530,706 this is a safe city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

Tucson reported 426 alcohol related crashes in 2016. These accidents caused 307 injuries and 18 fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Tucson DUI insurance.

Vehicle Theft Rates

Tucson reported 1,976 stolen vehicles in 2016. This is a rate of 3.72 per 1,000 residents, nearly twice the national vehicle theft rate of 2.20 per 1,000 Americans.

Legal Minimum Insurance Requirements

Tucson, AZ has a minimum liability coverage requirement known as the 15/30/10 rule, which means drivers must maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The most your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are a great way to lower your rates. These are some of the many auto insurance discounts available to drivers in Tucson, AZ. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 15%
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Get a new car to qualify for the new car discount. If the car has advanced safety features and anti-theft devices and an alarm system you could qualify for additional insurance discounts
  4. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  5. Safe driver. If you have a perfect driving record, you may qualify for the accident free discount
  6. Maintain at least a B grade point average in school to qualify for the good student discount
  7. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  8. Drive less by living close to work and you might qualify for the low mileage discount
  9. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  10. Shop around and compare affordable Tucson auto insurance quotes

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