Best & Cheap Car Insurance In Tucson 2023

If you are looking for cheap car insurance in Tucson, Arizona, you will want to shop around and compare quotes from multiple companies. Rates across Arizona differ from those in Tucson for lots of reasons. The number of accidents, the type of roads and even the weather can affect the rates drivers are charged.

Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history. This means every driver will ultimately get a different rate. That is why shopping around is your best bet to getting the cheapest car insurance in Tucson — or anywhere.

What is car insurance?

Also known as auto insurance, car insurance is specifically designed to protect your vehicles, whether they are personal or used for business purposes. It is a contract between you and your insurance company that outlines how your insurance company compensates you for financial losses if your vehicle is involved in an accident or other problem covered by your policy.

A commercial auto insurance policy typically includes:

• Liability coverage, including bodily injury and property damage liability, to pay for injuries, deaths or property damage if a driver causes an accident while working. This coverage may also pay legal fees.
• Medical payments, no-fault or personal injury protection, to pay for the medical expenses of the driver and any passengers in an accident, regardless of fault.
• Uninsured motorist coverage to pay for injuries and sometimes property damage caused by an uninsured or hit-and-run driver. This coverage may also include underinsured motorist coverage if the at-fault driver doesn’t have enough car insurance coverage to cover all expenses.
• Comprehensive and collision coverage to pay for vehicle damage from theft, vandalism, flood, fire and damage if a work vehicle is hit by an object or another car.

Policies could include other coverage, like towing and labor, rental reimbursement and lease gap coverage. However, they generally don’t cover tools or other items you’re carrying in the vehicle. A business owner’s policy — which contains commercial property insurance protections — can cover tools owned by the company, while a home or renters insurance policy covers personal belongings in the vehicle.

Types of car insurance

Commercial auto insurance

Commercial auto insurance provides coverage for vehicles used for business purposes. It includes liability coverage for third-party injuries or property damage, as well as coverage for damage to the insured vehicle.

Commercial auto insurance is similar to personal automobile insurance; it protects your cars, trucks or vans in the event of damage, injury or liability claims. However, commercial auto insurance provides additional coverage, including property and liability trailer exposure, loading and unloading exposure, hired vehicle coverage, non-owned vehicle coverage, and higher coverage limits. 

This type of insurance is essential for businesses that own or use vehicles as part of their operations. It protects them from potential liability claims and financial losses resulting from accidents or damage to vehicles.

Personal auto insurance

If you are self-employed and drive your personal vehicle for business purposes, you may be covered under your personal automobile insurance. If you own your car, truck or van and only use it occasionally for work, you may be able to skate by with standard personal auto insurance designated for business use.

However, if you operate a company-owned vehicle, your vehicle is specifically designated for work, or you need higher coverage, you may need a commercial automobile insurance policy.

Best Cheap Car Insurance Companies in Tucson

USAA, Auto-Owners Insurance, Geico, Travelers and State Farm are the top recommendations for auto insurance in Tucson. These insurers provide premiums lower than the city’s minimum- and full-coverage averages — and boast excellent customer service and high-quality coverage.

How much is car insurance in Tucson, Arizona?

The average cost of minimum-coverage insurance in Tucson is about $58 per month or $697 per year. This is about 12% more than the national average of $52 per month or $625 per year. Similarly, full coverage insurance costs $180 per month or $2,157 per year on average, which is about 7% more expensive than the national average of $167 per month or $2,008 per year for full coverage.

Cheapest full coverage car insurance in Tucson

A full-coverage car insurance policy can be pricey in Tucson. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations.

Geico is the cheapest full-coverage option with average rates of $98 per month or $1,176 per year.

Tucson car insurance cost by age

Since they are statistically more likely to be involved in accidents or break traffic regulations, teenage drivers are charged with the highest car insurance premiums. Data shows that 16-year-olds pay about $281 per month or $3,373 per year for car insurance coverage in Tucson.

As Tucson drivers age into their 20s, the cost of car insurance typically decreases, and this trend continues as they enter middle age. Below you can take a look at some average minimum-coverage car insurance expenses in Tucson for different age groups.

Even though car insurance for teens is expensive, some providers tend to be more affordable than others. Data shows that Geico is the cheapest car insurance company for teen drivers with minimum-coverage rates as low as $109 per month or $1,312 per year. Auto-Owners Insurance, Travelers and USAA also offer affordable premiums for Tucson teens.

Tucson car insurance cost by driving record

Car insurance premiums are likely to rise for drivers who have previously received a speeding ticket, been involved in an accident or have a DUI on their record. On average, speeding can increase your rates by 51%, an at-fault accident by 71% and a DUI by 78%.

Different companies have different average price increases. In case you have any driving record violations, our research suggests that USAA would be the best company to look at. The table below shows average rates by company for drivers who have either a speeding ticket, accident or DUI on their record.

Cheapest car insurance in Tucson by DUI

Getting a DUI in Tucson is a huge violation that may result in an increase in your car insurance rates by several hundred dollars each year. The good news is that USAA is very cheap compared to other companies — with average rates of $59 per month or $712 per year for drivers with a DUI.

Travelers, State Farm and Progressive are also good options with rates under $68 per month on average.

Cheapest car insurance in Tucson for at-fault accidents

Apart from DUIs, a history of at-fault accidents can result in higher rate hikes compared to a background of speeding tickets. USAA and Auto-Owners Insurance are the cheapest options here with average rates of about $41 per month and $51 per month, respectively. You can see some auto insurance companies charge significantly more for this amount for coverage after an accident.

Cheapest car insurance in Tucson by speeding ticket

USAA offers the cheapest rates to drivers who have a speeding ticket on their records — $33 per month or $391 per year. Geico follows close behind with an average monthly rate of $40, while Travelers, State Farm and Auto-Owners Insurance round out the top five options for cheap speeding ticket car insurance in Tucson.

Cheapest liability car insurance in Tucson

Liability coverage is the minimum coverage required by the state of Arizona. According to Arizona law, all drivers must either meet or exceed the following state minimum insurance requirements: 

USAA offers the cheapest liability insurance with average rates of $26 per month or $310 per year. Auto-Owners Insurance is the second cheapest option in Tucson with average rates of $33 per month or $398 per year.

• $50,000 bodily injury liability per accident
• $25,000 bodily injury liability per person
• $15,000 property damage liability per accident

Tucson car insurance cost by ZIP code

Insurance claim rates vary across different areas of Tucson, which means where you live in the city affects your premium. Below, you can see certain ZIP codes in Tucson can be up to 3.1% cheaper or 2.9% more expensive than the city average.

Cheap car insurance in Tucson: In conclusion

No matter what company you’re currently getting auto insurance from, remember that it’s important to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurer.

Be sure to take advantage of potential discounts. Many insurers offer car insurance discounts for things like bundling other types of insurance with your auto policy or going years without filing a claim.

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References

• Market Watch
• Nerd Wallet