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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Tucson car insurance averages $124 per month, according to Compare.com data. But you might not have to pay that much. Several insurers offer significantly lower rates. In fact, companies like Auto-Owners, Mile Auto, and State Farm offer the cheapest average rates in Tucson.
Whether you’re a teen driver, a senior, or someone with a less-than-perfect record, this article will help you find the best rates in Tucson. We’ll cover the cheapest insurers and give you tips for how to pick the right company and lower your bill without cutting coverage.
Auto-Owners offers the cheapest car insurance in Tucson, at $45 per month.
Tucson drivers pay an average of $90 per month for liability coverage and $157 for full coverage.
Arizona requires drivers to have 25/50/15 liability limits.[1]
Although average car insurance rates in Tucson cost around $124 per month, many insurers offer premiums significantly below the citywide average. By comparing quotes, you can uncover significant savings.
The table below highlights the cheapest car insurance companies in Tucson, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| Auto-Owners | $45 |
| Mile Auto | $49 |
| State Farm | $55 |
| GEICO | $56 |
| USAA | $62 |
| Metromile | $73 |
| Root | $77 |
| Sun Coast | $79 |
| National General | $80 |
| Allstate | $91 |
| Travelers | $94 |
| Mercury | $95 |
| Progressive | $102 |
| Dairyland | $103 |
| Clearcover | $104 |
| Safeco | $104 |
| Direct Auto | $106 |
| American Family | $107 |
| COUNTRY Financial | $107 |
| The Hartford | $110 |
| Farmers | $111 |
| The General | $111 |
| Bristol West | $117 |
| GAINSCO | $123 |
| Nationwide | $124 |
| Commonwealth Casualty | $156 |
| AssuranceAmerica | $158 |
| Liberty Mutual | $167 |
| Foremost | $208 |
Auto-Owners offers the cheapest car insurance in Arizona, with an average monthly rate of $45. Keep in mind that these are just average rates. The cheapest insurer for you may be different, since personal factors like your age, driving history, and location determine your rates.
In the following sections, we explore the cheapest companies for different types of drivers and coverages.
Get personalized quotes from top insurers and save money today.
While the companies listed above are a great place to start, your actual auto insurance rates will vary significantly depending on many factors like your age, driving history, credit, address, and more.
The table below lists the cheapest car insurance companies in Tucson, categorized by driver type and coverage level, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | Auto-Owners | $45 |
| Full coverage | Auto-Owners | $70 |
| Teens | Auto-Owners | $85 |
| Seniors | Auto-Owners | $34 |
| Drivers with a speeding ticket | Auto-Owners | $58 |
| Drivers with an at-fault accident | Auto-Owners | $60 |
| Drivers with a DUI | Auto-Owners | $72 |
| Drivers with excellent credit | Auto-Owners | $39 |
| Drivers with poor credit | Mile Auto | $56 |
We’ve included more detailed breakdowns for each driver type in the sections below so that you can find the best fit for your situation.
In Tucson, the average monthly premium for state-minimum coverage is $90, according to our research. While meeting Arizona’s minimum-coverage requirements can keep insurance costs low, experts often recommend purchasing more coverage to protect you against large out-of-pocket expenses after a car accident.[2]
The chart below showcases the five most affordable insurance companies for state-minimum coverage in Tucson, according to Compare.com data.
Most drivers should consider full coverage — especially if your car would be expensive to replace. Additionally, if you’re leasing or financing your car, your lender will require full coverage.[3] It includes your liability insurance, as well as comprehensive and collision coverage, which repairs or replaces your vehicle after incidents like theft, vandalism, hail, and accidents.
The average full-coverage rate in Tucson is $157 per month, according to our data. But while full coverage is usually higher, several insurers offer much cheaper rates. You may even be able to find a full-coverage policy for around the same price as Tucson’s average liability rate.
We’ve compiled the five cheapest companies for full-coverage car insurance in Tucson in the following chart.
Teen drivers face some of the highest insurance rates of any age group due to their higher likelihood of car accidents. Crash rates for teen drivers are nearly three times higher than for drivers older than 19, according to the Insurance Institute for Highway Safety (IIHS).[4]
The average monthly premium for teen drivers in Tucson is $259, but that doesn’t mean you can’t find a good deal. It’s possible for young drivers to find affordable coverage with the right insurer.
In the chart below, we’ve highlighted the five cheapest insurance companies for teen drivers in Tucson.
Senior drivers typically pay the lowest rates of any age group. That’s because older drivers tend to drive less and have lower accident rates.[5] The average rate for seniors in Tucson is $93 per month, according to Compare.com data.
And while these rates are already low, several companies offer even more affordable options. Here are the five cheapest insurance companies for senior drivers in Tucson, according to our research.
Traffic violations, like getting a speeding ticket, can lead to higher rates the next time your insurance policy renews. That’s because insurers see tickets as signs of increased risk. In fact, our research shows that just one speeding ticket can raise average premiums by 29% nationwide.
In Tucson, the average monthly premium for drivers with a speeding ticket is $166. Fortunately, some insurers still offer affordable rates despite minor violations.
Here are five companies offering cheaper rates for Tucson drivers with recent speeding tickets, according to our data.
Causing an accident can raise your rates significantly — particularly if you’re at fault. On average, an at-fault accident causes rates to increase by 33%, according to Compare.com research.
Tucson drivers with a recent accident pay an average of $171 per month for coverage, according to our data. But several insurers have cheaper rates.
Check out the five companies in the chart below if you have an accident on your record.
A DUI conviction causes the steepest increase in insurance premiums of any violation. Our data shows that average rates increase by 58% nationwide after a DUI. In Tucson, drivers with a DUI pay around $196 per month.
The good news is that you’re not necessarily stuck with high rates — some insurers offer competitive pricing if you have a DUI on record. The chart below highlights the five cheapest companies for drivers with a DUI offense in Tucson, according to Compare.com data.
Some insurers consider your credit history when determining your premiums because it can correlate with how likely you are to file a claim. Insurance companies use credit-based insurance scores to help predict the likelihood that you’ll file a claim.[6] Our research shows drivers with poor credit pay an average of 38% more than drivers with excellent credit.
Tucson drivers with poor credit pay an average monthly rate of $137 for car insurance. But not all companies use credit, and some offer affordable rates regardless of your credit history.
Here are the five cheapest companies in Tucson for drivers with poor credit, according to Compare.com data.
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Like most states, Arizona requires all drivers to have auto insurance. The state’s minimum-coverage requirements are 25/50/15, which breaks down to:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$15,000 in property damage liability per accident
Additional coverages, such as uninsured/underinsured motorist (UM/UIM), comprehensive insurance, and collision coverage, are optional, but many experts recommend recommend them for broader protection. The latest data shows that approximately 12% of drivers in Arizona drive without insurance, according to the Insurance Information Institute, so you may want to consider adding UM/UIM coverage.[7]
Most experts recommend purchasing coverage above the state’s minimum-coverage limits. For instance, if you cause an accident with $40,000 in property damages, the state-minimum property damage coverage would leave you responsible for the remaining $25,000 out of pocket.
The Arizona Department of Insurance and Financial Institutions advises consumers to carefully review auto policies for exclusions that may limit coverage for family members and recommends considering additional coverage to ensure protection meets expectations.[8]
Compare personalized quotes from Tucson’s top insurers.
Below, we’ve answered the most common questions Tucson drivers ask about car insurance.
The average monthly rate for car insurance in Tucson is $124, according to Compare.com data. That breaks down to an average of $90 per month for liability insurance and $157 for full coverage.
We found that Auto-Owners offers the cheapest coverage in Tucson, with an average monthly premium of $45. But it may not be your cheapest option, which is why you should always compare quotes from multiple insurers to find the best rate for your specific needs.
No. Tucson car insurance isn’t expensive. The average monthly premium in Tucson is $124, which is lower than the national average of $150. But your rate may be higher or lower depending on factors like your ZIP code, driving history, age, and credit history.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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