In the city, the average full coverage car insurance costs $122 per month. Prices can range from as low as $117 to as high as $333, depending on various factors like policy, vehicle type, and driver's details. To help drivers better understand what they might pay, the table below includes average car insurance costs for different driver profiles.
Tucson, AZ, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Tucson: Key Takeaways
In the city, Mercury, Root Insurance Company, Auto-Owners and Travelers are recognized as the most affordable car insurance providers, offering competitive rates across various profiles.
Mercury offers the cheapest minimum coverage at $35 per month, while Root Insurance Company provides the most affordable full coverage at $75 per month.
On average, car insurance in the city costs $62 per month for minimum coverage and $122 for full coverage, with rates varying based on individual driver profiles.
Car Insurance Quotes in Tucson, AZ
| Young Drivers | $75 | $153 |
| Teens | No Data | $333 |
| Seniors | $61 | $117 |
| Drivers With a Speeding Ticket | $76 | $155 |
| Drivers With a DUI | $99 | $196 |
| Drivers With An Accident | $94 | $187 |
| Bad Credit | $145 | $309 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Tucson vs. State Average
Arizona
State Average Full Coverage Rate
$1,525
Tucson, AZ
City Average Full Coverage Rate
$1,455More:$70 saved
This is 5% less expensive.
What Is the Average Car Insurance Rate in Tucson?
In Tucson, full coverage car insurance costs about $1,455 per year, while minimum coverage costs around $735 annually. These rates are lower than Arizona's averages, where full coverage is $1,525 and state minimum is $759. Residents can feel assured with these affordable options.
| State Average | $759 | $1,525 |
| Tucson Average | $735 | $1,455 |
Cheapest Car Insurance Companies in Tucson
Even with rising premiums, Tucson residents can find affordable car insurance. Mercury offers the cheapest minimum coverage at $35 per month. For those seeking full coverage, Root Insurance Company provides the best rate at $75 per month.
WHY CAR INSURANCE IN TUCSON IS CHEAP
Car insurance in Tucson is cheaper than the state average. In other parts of Arizona, rates may be higher due to factors like heavy traffic and a higher chance of theft and accidents. Tucson ranks high among Arizona cities for insurance costs. Statewide, the cost is driven up by many people driving without insurance, lots of lawsuits for injuries, and cases of insurance fraud. These issues make why car insurance is expensive in Arizona a concern for local residents.
Cheap Car Insurance in Tucson
Mercury offers the cheapest state minimum coverage for most drivers, but the most affordable car insurance varies by individual needs. The best way to find the cheapest car insurance is to get quotes from multiple providers. Below, you'll find a table with the cheapest car insurance rates for various driver profiles.
| Mercury | Minimum Coverage | $35 |
| Root Insurance Company | Full Coverage | $75 |
| Auto-Owners Insurance Co | Teens | $187 |
| Root Insurance Company | Young Adults | $64 |
| Travelers | Seniors | $66 |
| Root Insurance Company | Bad Credit | $81 |
| Root Insurance Company | Drivers With a DUI | $71 |
| Root Insurance Company | Drivers With An Accident | $80 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $72 |
Car Insurance Rates in Tucson by Company
To find Tucson's most affordable car insurance, it's key to compare rates from different companies. We detail the cheapest options for both minimum coverage and full coverage plans below.
Cheapest Car Insurance Companies for Minimum Coverage in Tucson
Mercury offers the cheapest minimum coverage auto insurance at $35 per month. State Farm follows with a rate of $48 monthly. See the breakdown of the cheapest options in the table below.
| Mercury | $35 | $27 |
| State Farm | $48 | $14 |
| Auto-Owners Insurance Co | $48 | $14 |
| GEICO | $48 | $13 |
| Progressive | $49 | $13 |
| Travelers | $51 | $11 |
| Root Insurance Company | $53 | $9 |
| Allstate | $55 | $7 |
| Iowa Farm Bureau | $59 | $2 |
| Farmers | $60 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Tucson
Root Insurance Company offers the cheapest full coverage car insurance in Tucson at $75 per month. Below is the full list of providers and their rates.
| Allstate | $111 | $11 |
| Auto-Owners Insurance Co | $95 | $26 |
| Farmers | $117 | $5 |
| GEICO | $91 | $31 |
| Hartford | $120 | $2 |
| Iowa Farm Bureau | $115 | $7 |
| Mercury | $106 | $16 |
| Nationwide | $118 | $3 |
| Progressive | $95 | $27 |
| Root Insurance Company | $75 | $46 |
| State Farm | $100 | $22 |
| Travelers | $93 | $28 |
Car Insurance Companies in Tucson
To find affordable car insurance in Tucson, we recommend getting quotes from several companies. Root Insurance Company offers the cheapest rate at $767 annually. However, Auto-Owners is the best affordable provider with a MoneyGeek score of 87. Check the table below for more options to consider.
| Auto-Owners Insurance Co | 87 | $858 |
| Mercury | 83 | $828 |
| State Farm | 81 | $882 |
| Travelers | 77 | $865 |
| GEICO | 76 | $834 |
| Progressive | 75 | $862 |
| Nationwide | 74 | $1,119 |
| Country Financial | 72 | $1,279 |
| Allstate | 72 | $993 |
| Farmers | 72 | $1,019 |
| Hartford | 70 | $1,133 |
| CSAA | 59 | $1,834 |
| The General | 40 | $2,107 |
| Iowa Farm Bureau | No Data | $1,044 |
| Root Insurance Company | No Data | $768 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Tucson by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,455 per year for 40-year-olds and $1,403 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,725 | $-642 |
| 17 | $2,625 | $-542 |
| 18 | $2,378 | $-295 |
| 19 | $2,041 | $42 |
| 20 | $2,090 | $-7 |
| 21 | $1,721 | $362 |
| 22 | $1,722 | $361 |
| 23 | $1,783 | $300 |
| 24 | $1,685 | $398 |
| 25 | $1,839 | $-199 |
| 40 | $1,455 | $185 |
| 65 | $1,403 | $237 |
Cheapest Car Insurance for Teens in Tucson
Travelers offers the cheapest overall car insurance for teens in Tucson, with full coverage at $138 per month, saving $65 compared to the state average. The table below also breaks down some of the most affordable providers for teens in the city.
| Travelers | $138 | $65 | $214 |
| GEICO | $160 | $43 | $237 |
| Auto-Owners Insurance Co | $181 | $22 | $187 |
| Nationwide | $199 | $5 | $454 |
| Farmers | $210 | $-6 | $562 |
| Progressive | $212 | $-9 | $480 |
| State Farm | $228 | $-25 | $278 |
| Allstate | $300 | $-96 | $251 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Tucson
Mercury offers the best minimum coverage rate at $46 per month, while Root Insurance Company provides the most affordable full coverage at $76 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| Mercury | Minimum Coverage | $46 |
| Root Insurance Company | Full Coverage | $76 |
| Root Insurance Company | Bad Credit | $82 |
| Root Insurance Company | Drivers With a DUI | $72 |
| Root Insurance Company | Drivers With An Accident | $81 |
| Root Insurance Company | Drivers With a Speeding Ticket | $80 |
Cheapest Car Insurance Companies for Young Drivers in Tucson
Root Insurance Company offers the most affordable auto insurance for young drivers at $64 per month. Other companies with competitive rates include GEICO, Progressive and Travelers. The table below shows other companies with competitive rates.
| Root Insurance Company | $64 | $50 |
| Travelers | $73 | $42 |
| GEICO | $89 | $26 |
| Progressive | $89 | $26 |
| State Farm | $92 | $23 |
| Allstate | $95 | $20 |
| Auto-Owners Insurance Co | $98 | $17 |
| Mercury | $104 | $11 |
| Iowa Farm Bureau | $105 | $10 |
| Farmers | $107 | $8 |
| Nationwide | $115 | $0 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Tucson
Mercury and Root Insurance Company are among the most affordable car insurance providers, though rates vary based on individual factors. The table below highlights the cheapest providers for different driver and coverage profiles, helping you find a suitable match.
| Mercury | Minimum Coverage | $33 |
| Root Insurance Company | Full Coverage | $81 |
| Root Insurance Company | Bad Credit | $87 |
| Root Insurance Company | Drivers With a DUI | $76 |
| State Farm | Drivers With An Accident | $85 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $69 |
Cheapest Car Insurance Companies for Seniors in Tucson
Travelers offers the cheapest monthly premium for seniors at $66 for both minimum and full coverage. State Farm follows closely with a rate of $68 per month. The table below shows more top car insurance providers for seniors.
| Travelers | $66 | $24 |
| State Farm | $68 | $21 |
| Root Insurance Company | $68 | $21 |
| Auto-Owners Insurance Co | $69 | $20 |
| Mercury | $71 | $19 |
| Progressive | $71 | $18 |
| GEICO | $74 | $16 |
| Iowa Farm Bureau | $82 | $8 |
| Hartford | $83 | $7 |
| Nationwide | $86 | $4 |
| Farmers | $87 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Tucson
When looking at high-risk driver profiles, Tucson's car insurance rates are more affordable than the state average. The average annual cost for minimum coverage in Tucson is $1,084, while full coverage is $2,158. In comparison, state averages are $1,998 and $3,982, respectively. Drivers with bad credit and DUIs face higher costs, whereas accidents and speeding tickets have a smaller effect on rates.
| Tucson Average | $1,084 | $2,158 |
| State Average | $1,126 | $2,277 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
In Tucson, minor driving incidents like not-at-fault accidents or speeding tickets typically influence your insurance for about three to five years. On the flip side, more severe offenses, such as a DUI, can stay on your record even longer. These grave violations often mean you'll need to file an SR-22, ensuring you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Tucson
Root Insurance Company offers the cheapest minimum coverage for drivers with a DUI at $707 per year in Tucson. Progressive provides the most affordable full coverage at $1,309 annually. Check out the table below to see more options for low-cost coverage.
| Root Insurance Company | $59 | $83 |
| Progressive | $54 | $109 |
| State Farm | $54 | $113 |
| Travelers | $60 | $120 |
| Mercury | $56 | $169 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Tucson
Travelers, State Farm and Root Insurance Company are the cheapest car insurance providers for drivers with an at-fault accident record. For more information on the cheapest auto insurance after an at-fault accident, check the table below. It shows different providers offering affordable car insurance coverage for drivers with an at-fault accident violation.
| Root Insurance Company | $66 | $94 |
| Travelers | $59 | $116 |
| State Farm | $60 | $123 |
| GEICO | $74 | $144 |
| Progressive | $71 | $148 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Tucson
Auto-Owners is the cheapest car insurance provider for drivers with a speeding ticket in Tucson, offering minimum coverage at $48 and full coverage at $95. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| Auto-Owners Insurance Co | $48 | $95 |
| Travelers | $55 | $110 |
| GEICO | $58 | $112 |
| State Farm | $54 | $113 |
| Mercury | $60 | $183 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Tucson
Mercury offers the most affordable rates for drivers with bad credit in Tucson for state minimum coverage at $49 per month, while Root Insurance Company provides the lowest full coverage rate at $95 per month. See the table below to find other affordable options.
| Root Insurance Company | $67 | $95 |
| Travelers | $60 | $113 |
| GEICO | $74 | $144 |
| Progressive | $71 | $155 |
| Mercury | $49 | $160 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Tucson, AZ
In Arizona, each city follows state mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
For example, if you're in a fender-bender, your minimum coverage will help pay for damages up to these limits, ensuring you meet legal requirements.
Cheap Car Insurance in Tucson: Bottom Line
Mercury stands out with the cheapest minimum coverage at $35, while Root Insurance offers the most affordable full coverage at $75. No matter your age or credit history, you'll find competitive rates that fit your budget. Remember, your policy must include Arizona's required coverage: bodily injury and property damage liability. Compare providers to secure a rate that's both affordable and meets Arizona's legal protection standards.
Tucson Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable car insurance in Tucson. Discover tips for securing the best rates and understanding state minimum coverage requirements. Navigate the world of car insurance with ease and confidence.
What is the cheapest car insurance company in Tucson, Arizona?
The most affordable car insurance provider in Tucson, Arizona, is Mercury, with a monthly rate for minimum coverage at $35, allowing savings of $27.
What is the best car insurance company in Tucson, Arizona?
Root Insurance Company is the best car insurance provider in Tucson, Arizona, with an excellent score of 100.
How much does car insurance cost on average in Tucson?
The average monthly cost for minimum coverage auto insurance in Tucson ranges from $62 to $145.
Best Cheap Car Insurance in Tucson: Our Methodology
MoneyGeek conducted an analysis of Tucson auto insurance prices using data from the Arizona Department of Insurance and Financial Services and Quadrant Information Services.
Tucson Driver Profile
To assess the best and most affordable auto insurance options for Tucson residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Tucson
In assessing the car insurance quotes for Tucson, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Arizona's mandated liability insurance parameters:
The minimum coverage requirements in Arizona are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Tucson providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Tucson
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Tucson.
For more details on our analysis, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.