Cheapest Car Insurance Quotes in Tucson, AZ (2023)

Tucson drivers are in luck when it comes to their auto insurance prices. Minimum-coverage car insurance in Tucson costs an average of $152 per month, which is 57% less than the Arizona average of $239. Tucson’s average 11 inches of yearly rainfall compared to the national average of 30 inches may lead to better driving conditions that help keep insurance rates reasonable.^[1] 

Here’s what you need to know about car insurance in Tucson, including how to keep your rates low, and Arizona car insurance requirements.

How much does car insurance cost in Tucson?

It can never hurt to shop around with a few insurance providers when you need to buy car insurance in Tucson, especially since rates can vary among providers. To get started, Insurify data scientists analyzed the latest insurance rates in the city to identify the cheapest quotes in Tucson. 

• Mile Auto: At $71 per month, Mile Auto offers the cheapest liability-only insurance coverage in Tucson. 

• Certainly: At $94 per month, Certainly offers the cheapest full-coverage insurance in Tucson.

• Mile Auto: At $136 per month, Mile Auto offers the cheapest insurance for new and young drivers in Tucson. 

Check Out: Cheap Car Insurance in Arizona

Cheapest car insurance in Tucson: Mile Auto and Certainly

In Tucson, the cheapest auto insurance provider depends on what coverage you want. The cheapest liability-only policy belongs to Mile Auto ($71) and the cheapest full-coverage policy belongs to Certainly ($94). It’s worth keeping in mind that different factors like location, car type, and age can affect your auto insurance rates. In general, these 15 insurance providers offer some of the cheapest average car insurance rates in Tucson. 

How much car insurance do you need in Tucson?

Any car operating in Arizona must have insurance, and you may need to provide proof of insurance when requested by law enforcement, you want to renew your vehicle registration, or your car is involved in an accident.^[2]

The minimum liability insurance requirements for private passenger vehicles in Arizona are:

• $25,000 per person/$50,000 per accident for bodily injury

• $15,000 per accident for property damage

Read More: Arizona SR-22 Car Insurance (With Quotes)

Arizona DMV information

Most major cities in Arizona house a DMV location, but the state also makes some services available online. You can renew your vehicle registration, get vehicle title and registration assistance, and renew your driver’s license online.

Tips for getting cheap car insurance in Tucson

Here are some ways you can reduce your monthly car insurance premiums in Tucson:

• Ask for multiple quotes. To start, you can shop around with different insurance providers. You don’t want to necessarily look for the lowest price, but you should look for the best rate for the amount of coverage you need.

• Use pay-per-mile car insurance. Infrequent drivers may save a little cash on their policy by buying pay-per-mile car insurance, which charges them based on how much they drive. 

• Look for discounts. Provider websites usually outline some of the discounts they offer their customers, but don’t be afraid to call and ask what discounts you may qualify for.

• Bundle your policies. Some insurance companies offer multiple insurance products you can bundle to save money. For example, if you buy auto and homeowners insurance through one provider, you may get a discount on one or both policies.

How age affects car insurance rates in Tucson 

If you’re younger than 25, you may want to make some more room in your budget for higher insurance prices. Younger, inexperienced drivers tend to pay more for car insurance. But as drivers age without citations, violations, or accidents on their records, they generally see premiums decrease.^[3]

Here’s how car insurance rates may decrease as you get older. 

Check Out: Compare Car Insurance by Age and Gender

Cheapest car insurance for young drivers in Tucson

Mile Auto offers the cheapest rate for full-coverage car insurance policies at $161 per month for young drivers in Tucson, but other insurers may also offer cheap full-coverage policies. 

Young drivers who aim to save money on their auto insurance policies can see what discounts they qualify for. A lot of discounts are aimed at students, such as a discount for not driving your car while away at college or for maintaining good grades.

Cheapest car insurance for middle-aged drivers in Tucson

Mile Auto also offers the cheapest full-coverage policy for middle-aged Tucson drivers, at just $100 per month on average. If a middle-aged driver needs multiple insurance policies, such as auto and homeowners, then they can consider buying both policies with one insurer for a bundling discount.

Middle-aged drivers in Tucson can also look into the following insurance providers who offer the cheapest rates for full-coverage policies for their age group. 

Cheapest car insurance for senior drivers in Tucson

Last, but certainly not least, Mile Auto also offers the cheapest full-coverage policy for senior drivers ($107 per month). This doesn’t mean this is the absolute lowest a senior in Tucson can get their car insurance rates to go. If they don’t drive much anymore, they may want to pursue a pay-per-mile policy that charges based on how many miles they drive — which can be a great way for retirees to save.

This table outlines even more cheap options for full-coverage policies for seniors. 

How credit scores affect cheap car insurance in Tucson

While it isn’t legal in all states, some states, like Arizona, allow insurance providers to factor credit scores into their pricing decisions. Some insurance companies believe that your credit rating correlates to your risk of filing a claim and will adjust your premium accordingly.^[4]

Here’s what each credit score tier is, under the FICO model:

• Poor: Less than 580

• Fair: 580 to 669

• Good: 670 to 739

• Very good: 740 to 799

• Excellent: 800 to 850

Here’s how credit scores affect Tucson full-coverage car insurance rates:

Learn More: Car Insurance Rates by Credit Tier

The effect of driving habits on car insurance in Tucson

Car insurance companies offer drivers with good driving records better insurance rates because they feel their past behavior indicates they’re less likely to file a claim. On the other hand, if someone has a lot of undesirable driving incidents on their record (like a DUI, at-fault accidents, or speeding tickets), then an insurance company may charge them higher rates since they’re more likely to file claims.

These tables can give you an idea of how rates can be impacted by certain driving factors, but keep in mind that a negative difference in a table doesn’t necessarily mean that a particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that the sample size was small — insurers may choose not to not offer policies to drivers with that infraction. The actual rate you receive can vary and depends on a number of factors other than your driving record.

Cheapest car insurance with an accident in Tucson: Travelers

Accidents on your driving record can cause your car insurance premiums to increase. Again, insurers use your driving record as a factor when setting your monthly insurance rate. If you’ve caused multiple accidents, insurers may consider you a high-risk driver and increase your rates. You may have to shop around for multiple quotes to find the cheapest rate, despite an accident on your record, in Tucson, Arizona.

Cheapest car insurance with a DUI in Tucson: Sun Coast

Driving under the influence (DUI) is operating a motor vehicle with a blood alcohol content of 0.08% in the United States. While some states like Utah may have lower legal BAC limits, Arizona’s BAC limit for non-commercial drivers 21 years or older is 0.08%.^[5] If you’re charged with a DUI, you may see your car insurance premiums increase, as driving under the influence is seen as risky driving behavior. 

Sun Coast offers drivers with a DUI on their record the cheapest car insurance in Tucson, at an average of $162 a month — $42 higher than for drivers with clean records.

Cheapest car insurance with a speeding ticket in Tucson: Mile Auto

If you have a speeding ticket or multiple speeding tickets on your driving record, your car insurance provider may increase your premiums. In 2021, 19,554 people in Arizona were injured in a crash where speeding was a factor. Even though your rates may increase, the cheapest car insurance company for people with speeding tickets is Mile Auto, at an average of $139 a month. This is $35 more than the average full-coverage policy in Tucson.

Car insurance in other Arizona cities

Auto insurance rates can vary widely, even between cities in the same state. Here’s some information about car insurance rates in other major Arizona cities.

• Cheapest Car Insurance in Phoenix, AZ

• Cheapest Car Insurance in Flagstaff, AZ

• Cheapest Car Insurance in Grande Casa, AZ

• Cheapest Car Insurance in Yuma, AZ

Find local Tucson agents

Tucson car insurance rates FAQs

Learning as much as you can about car insurance in your home state can help ensure you find the best policy for your needs at the best price available to you. Here are the answers to some commonly asked questions about Arizona car insurance.