Car Insurance in Tucson
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Car Insurance in Tucson, AZ
With a population of over 540,000, Tucson ranks as the second-largest city in Arizona. Tucson's a city steeped in history, boasting stunning desert landscapes and a world-famous gem and mineral show. But that summer heat can be a scorcher! Make sure your car insurance is scorching hot, too (in terms of coverage, not price), before braving the elements.
Arizona law requires drivers to carry at least the minimum liability coverage: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. Minimum coverage in Tucson comes in around $523 per year. Full coverage averages $1,087 a year, which is lower than the state average of $1,397.
In Tucson, insurance costs reflect statewide trends. Younger drivers aged 22 to 29 face higher premiums for full coverage, averaging $5,719 annually due to their higher risk for accidents. Drivers aged 30 to 59 pay about $2,790 annually, while seniors aged 60+ pay around $2,299 annually. Your credit score can also significantly impact premiums. For example, those with excellent credit scores pay around $2,143 annually, whereas poor credit holders might pay up to $4,505 annually.
How much is car insurance in Tucson, AZ?
The cost of car insurance in Tucson can differ significantly depending on the coverage options you select. Here's a breakdown of the average prices for the three most common coverage types in the area:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Tucson?
Identifying and organizing insurance costs for each car make, model, and year in the city is a complex task. However, if you're looking for newer models that typically come with lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Tucson:
Rank | Make and Model | Average Monthly Premium |
---|---|---|
1 | Honda Cr-V | $156 |
2 | Subaru Forester | $156 |
3 | Dodge Grand Caravan | $160 |
4 | Toyota Corolla | $166 |
5 | Toyota Rav4 | $166 |
6 | Kia Sedona | $166 |
7 | Honda Odyssey | $171 |
8 | Ford Escape | $171 |
9 | Kia Sol | $172 |
10 | Toyota Tacoma | $173 |
Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 |
How do claims and violations impact my total cost?
Your driving record plays a key role in determining your car insurance rates. Incidents like minor accidents, major collisions, speeding tickets, DUIs, or hit-and-runs can all increase your premiums. Here's an overview of how insurance costs in Tucson can fluctuate based on common claims and violations, listed from least to most impactful:
Violation or Claim | Average Monthly Cost | Price Difference |
---|---|---|
None | $166 | +0% |
Not at-fault Accident | $166 | +0% |
Driving with expired registration | $208 | +25% |
Speeding Ticket | $209 | +26% |
At-fault Accident | $247 | +49% |
Driving with a suspended license | $257 | +55% |
DUI | $261 | +57% |
Hit and Run | $263 | +58% |
What car insurance discounts can I get in Tucson?
In Tucson, several discounts can lower your insurance costs. These include bundling policies, paying your premium in full, choosing paperless billing, and receiving loyalty renewal discounts. Here's a ranked list of these options, from those offering the greatest potential savings to the least:
Potential Discounts | Average Monthly Cost | Monthly Savings |
---|---|---|
Multi-Policy Home | $147 | +$19 |
Paid in Full | $156 | +$10 |
Low Mileage | $160 | +$6 |
Multi-Policy Renters | $160 | +$6 |
Electronic Funds Transfer | $162 | +$4 |
Paperless | $164 | +$2 |
None | $166 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.