Tucson Car Insurance

Monthly Average Rates by Country, State, and City

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.

Tucson, AZ Best Car Insurance Companies

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.

How Much is Car Insurance in Tucson, AZ?

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.

Cheap Car Insurance in Tucson by Zip Codes

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.

Car Insurance Rates by Driver's Age Group in Tucson

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.

Cheapest Insurance for Teenage Drivers in Tucson

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.

Cheapest Insurance for 20 Year-olds in Tucson

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.

Cheapest Insurance for 30 Year-olds in Tucson

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.

Cheapest Insurance for 40 Year-olds in Tucson

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.

Cheapest Insurance for 50 Year-olds in Tucson

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.

Cheapest Insurance for 60 Year-olds in Tucson

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.

Driver's Coverage Auto Insurance Rates in Tucson, AZ

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.

Compare Recent Car Insurance Quotes in Tucson

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.

FAQ's for Drivers in Tucson, AZ

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:

• Bodily Injury Liability Coverage: $25,000 per person
• Bodily Injury Liability Coverage $50,000 (two or more people)
• Property Damage Liability Coverage: $15,000
• Uninsured Motorist Bodily Injury: $25,000 per person, $50,000 per accident*
• Underinsured Motorist Bodily Injury Damage: $25,000 per person/ $50,000 per accident*

*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):

• Commercial Drivers: .04 BAC
• Potential Impairment: .05 - .079 BAC (Drivers 21 years and older)
• Driving Under the Influence: .08 BAC (21 years and older)
• Zero Tolerance (for Drivers Under 21 Years Old)

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.

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