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How much is car insurance in Tucson?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Tucson are about $7 a month cheaper than in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Tucson is rather affordable. The average monthly payment in Tucson is about $26 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Tucson, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've broken down the average rates for Tucson to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay $45 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up a bit in Tucson.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Tucson is only about $3 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with fewer accidents and tickets will pay much less than those with multiple infractions. The rate for drivers in Tucson with a single accident on their record is about $72 a month. In addition, drivers with a single ticket on their record can expect to pay around $65 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$51|
If you look at the first table above, the cheapest vehicles to insure in Tucson are typically trucks and vans, at $50 per month.
Car owners can expect to pay an average of around $58 a month for their policy, while SUVs usually cost around $52 a month to insure.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Tucson are vehicles less than one year old.
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)||$59|
Overall, those who have settled down into marriage will pay slightly less for car insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Tucson, with married couples paying about $15 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$80|
Another factor that comes into play is your living situation. Those who own their own home in Tucson can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, 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.
The cost of auto insurance coverage in Tucson had been increasing from 2017-2018, before leveling out in 2019. They increased again, reaching a high of $63 in 2021, and finished down at $48 in 2022.
How does Tucson compare to neighboring areas?
Why are car insurance rates in Tucson different from other areas?
When considering how much to charge for coverage, car insurance companies will review a number of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Number of drivers
- Regional crime rates
- Amount of off-street parking
- Area laws
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Tucson?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Tucson.
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Tucson Insurance FAQs
What factors affect car insurance quotes in Tucson?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Tucson different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tucson or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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