Table of contents
How much is car insurance in Tucson?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Tucson are slightly less than rates across the rest of Arizona.
Compared to the national average cost of auto coverage, Tucson has also lower rates. You can expect to pay about $25 below the national average for auto insurance in Tucson.
These may be the average auto insurance rates for Tucson, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score(depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rate for Tucson residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. It also makes sense that the more experienced of a driver you are, the safer you are. According to the table above, you can see that 18-24-year-olds pay almost twice the price as someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay a little bit less than male drivers on their monthly premiums, the difference is only about $2 per month in Tucson.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Tucson, a driving record with one accident will usually get you a rate around $69 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $75.
Accidents, tickets, and other driving infractions can really hurt your wallet. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$50|
If you look at the first table above, the cheapest vehicles to insure in Tucson are SUVs, trucks, and vans.
The monthly premium for car owners is about $56 a month, while SUV owners' policies run them around $51 per month.
The average monthly cost for coverage for truck and van drivers usually runs about $51 as well.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to decrease if your car is more than 5 years old. In Tucson, however, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
On average, car insurance is cheaper for married policy-holders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
In Tucson, that difference usually boils down to about $15 each month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$81|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $5 a month more than drivers who own property in Tucson. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Tucson, AZ
Recent trends in car insurance for Tucson drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
Car insurance rates in Tucson had been increasing from 2016-2018, before steadying out in 2019. Policy premiums rose again recently, hitting a high of $61 in 2021.
How does Tucson compare to neighboring areas?
Why are car insurance rates in Tucson different from other areas?
There are several factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Amount of drivers
- Community laws
- Rate of car accidents
- Off-street parking access
- Rate of crime
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Tucson?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Tucson.
Tucson Insurance FAQs
What factors affect car insurance quotes in Tucson?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Tucson different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Tucson?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Tucson?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Tucson or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.