How much does car insurance cost in Tucson, AZ? Check out the average rates that drivers pay below.
Tucson, Arizona is a college town known for its open spaces and outdoor adventures. The city is so renowned for its excellent Mexican cuisine that the United Nations recently named Tucson as its first UNESCO City of Gastronomy in the U.S. Tuscan is also home to the Sonoran Desert with diverse ecosystems at Tohono Chul, the Tucson Botanical Gardens and Arizona-Sonora Desert Museum. It is also home to the University of Arizona, Tucson.
Are you a Tucson resident who needs reliable but affordable insurance coverage for your vehicle? SmartFinancial can help you find the right insurer that fits your needs and budget. In this article, you'll learn about the auto insurance requirements in Tucson.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Tucson typically pay around $106.96 per month compared to the national average of $144.92 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $144.92 |
Arizona | $120.64 |
Tucson, Arizona | $106.96 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Tucson coming in around $77.97 per month. Other companies to consider if you live in Tucson is Central Mutual Insurance Co with an average cost of $92.00 per month and Ameriprise Group which typically runs around $98.17 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Tucson.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Clearcover | $77.97 | -35.37% |
2 | Central Mutual Insurance Co | $92.00 | -23.74% |
3 | Ameriprise Group | $98.17 | -18.63% |
4 | USAA | $103.67 | -14.07% |
5 | ACCC Insurance Company | $116.52 | -3.42% |
6 | Mercury | $119.80 | -0.70% |
7 | Nationwide | $120.78 | 0.11% |
8 | Farm Bureau Mutual (IA Group) | $124.63 | 3.30% |
9 | Mercury Insurance | $124.81 | 3.45% |
10 | American Family | $133.01 | 10.25% |
Rates can vary from city to city. The residents of Apache Junction typically pay $102.32 per month while people who live in Casa Grande will pay $111.66 per month on average. See what people pay for car insurance in other cities in Arizona.
Arizona Cities | Monthly Average Rate |
---|---|
Apache Junction | $102.32 |
Casa Grande | $111.66 |
Chandler | $124.02 |
Gilbert | $136.20 |
Glendale | $140.45 |
Mesa | $122.95 |
Peoria | $132.12 |
Phoenix | $143.40 |
Prescott | $87.21 |
Scottsdale | $120.55 |
Sedona | $81.87 |
Surprise | $125.05 |
Tempe | $130.84 |
Tucson | $107.06 |
Yuma | $93.11 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Tucson, AZ ZIP Code | Average Monthly Rate |
---|---|
85006 | $71.72 |
85347 | $66.52 |
85614 | $68.66 |
85701 | $104.72 |
85702 | $45.52 |
85704 | $112.72 |
85705 | $102.36 |
85706 | $108.58 |
85707 | $242.75 |
85708 | $158.06 |
85710 | $115.18 |
85711 | $97.61 |
85712 | $102.39 |
85713 | $99.79 |
85714 | $97.37 |
85715 | $121.52 |
85716 | $104.40 |
85717 | $73.58 |
85718 | $108.79 |
85719 | $119.42 |
85721 | $192.35 |
85726 | $163.29 |
85730 | $109.68 |
85731 | $50.39 |
85734 | $30.31 |
85735 | $105.21 |
85736 | $83.23 |
85737 | $103.48 |
85739 | $87.34 |
85741 | $108.43 |
85742 | $119.37 |
85743 | $106.53 |
85745 | $113.44 |
85746 | $111.97 |
85747 | $108.45 |
85748 | $121.00 |
85749 | $91.08 |
85750 | $105.05 |
85755 | $97.78 |
85756 | $113.77 |
85757 | $107.29 |
85911 | $47.45 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $254.78 per month in Tucson. Compare that to drivers in their 30’s who typically pay around $104.87 per month drivers in their 40s at $92.47 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
16-19 | $254.78 |
20s | $159.45 |
30s | $104.87 |
40s | $92.47 |
50s | $82.31 |
60s | $82.02 |
70+ | $99.97 |
If you are teen in Tucson you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $87.30 per month. This is likely the most affordable option in Tucson. You might also want to consider Ameriprise Group and Kemper Personal Insurance who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Clearcover | $87.30 |
Ameriprise Group | $171.50 |
Kemper Personal Insurance | $217.50 |
American Family | $243.37 |
ACCC Insurance Company | $258.81 |
20 year-olds in Tucson might want to consider Clearcover who, on average, offers car insurance rates around $92.68 per month. Ameriprise Group , USAA , ACCC Insurance Company and American Family are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Clearcover | $92.68 |
Ameriprise Group | $133.78 |
USAA | $151.26 |
ACCC Insurance Company | $173.72 |
American Family | $174.70 |
If you are in your 30s in Tucson our research has found that Clearcover typically has the most affordable coverage coming in around $74.34 per month, followed by Ameriprise Group at $76.44 and USAA at $98.75.
Company | Average Monthly Rate |
---|---|
Clearcover | $74.34 |
Ameriprise Group | $76.44 |
USAA | $98.75 |
Mercury | $108.73 |
Nationwide | $118.94 |
On average, Ameriprise Group offers car insurance for 40 year-olds in Tucson for around $70.62 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or USAA. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Ameriprise Group | $70.62 |
Clearcover | $73.56 |
USAA | $87.17 |
Central Mutual Insurance Co | $92.00 |
Mercury Insurance | $92.88 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Tucson we found that Kemper Personal Insurance generally offers the most affordable coverage at $53.00 per month.
Company | Average Monthly Rate |
---|---|
Kemper Personal Insurance | $53.00 |
Clearcover | $69.96 |
Ameriprise Group | $72.47 |
USAA | $77.09 |
Mercury | $81.79 |
If you live in Tucson and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $69.46 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Mercury Insurance | $69.46 |
Clearcover | $70.94 |
Kemper Personal Insurance | $73.25 |
Ameriprise Group | $76.11 |
USAA | $77.47 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Tucson, the average monthly rate for a driver who is currently insured is $102.31 while drivers who are not currently covered will pay around $114.99.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $114.99 |
Currently Insured | $102.31 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Tucson a driver of a 2021 Gmc Terrain can expect to pay around $220.39 per month while someone that owns a 2005 Ford Mustang may pay around $59.12 per month. Check out the list of recent quotes in Tucson below.
Vehicle | Average Monthly Rate |
---|---|
2021 Gmc Terrain | $220.39 |
2005 Ford Mustang | $59.12 |
2017 Honda Accord | $519.88 |
2022 Hyundai Elantra | $82.88 |
2007 Nissan Altima | $86.90 |
2013 Chevrolet Equinox | $78.83 |
2016 Toyota Rav4 | $66.22 |
2014 Mitsubishi Outlander Sport | $108.38 |
What Is the Minimum Amount of Liability Coverage Requirement in Tucson?
Arizona requires drivers to show they have financial responsibility (insurance) in effect for their motor vehicles. The state requires liability insurance coverage for all drivers. The minimum liability insurance requirements for private passenger vehicles in Tucson are:
*Drivers can decline uninsured and underinsured motorist coverages by speaking to a licensed insurance agent.
Arizona's minimum insurance requirements may not provide enough coverage if you're in a wreck. Buy more insurance, especially if you have a lot of assets.
SmartFinancial can help you find affordable car insurance to ensure you have enough protection if the worst happens. Start by entering you zip code and answer a few questions to get started.
What Is the Blood Alcohol Concentration (BAC) Limit in Tucson?
Driving Under the Influence (DUI) refers to individuals operating a vehicle while they have alcohol or other substances in their system. Other substances can include prescription drugs, illegal drugs, over-the-counter medications, and inhalants.
Arizona has an implied consent law. Under this statute, motorists who apply for a driver's license agree to consent to field sobriety and chemical tests to determine their impairment. Drivers who refuse to take this test can face immediate revocation of their driving privileges.
The state says it is a criminal offense for a person to drive with the following Blood Alcohol Concentration (BAC):
Law enforcement can charge drivers with DWIs in Tucson if their breath or blood test is at or above the legal limit or if they refuse to take a test. Additionally, police officers can charge individuals with DWIs if they test below the legal limits, but their driving ability is impaired because of drugs or alcohol.
Unfortunately, no one is perfect. If you get a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. You can fill out the form on our page and comparison shop for insurers that meet your needs.
Can I Register My Car Without Insurance in Tucson?
You cannot register a car in the state of Tucson without insurance. Drivers must provide proof of their insurance at AZ MVD Now.
Check Out Other Rates in Tucson, AZ Nearby Cities:
Commute Time in Tucson, AZ
22.2 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Tucson, AZ
196 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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