Surrounded by mountains and home to the University of Arizona, Tucson is a lively and scenic place to call home. As Arizona’s second-largest city and the southern anchor of the Arizona Sunshine Corridor, Tucson roads handle plenty of traffic and its drivers deal with plenty of glare. So it’s important to secure insurance in case the sunshine squint leads to a fender bender.
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Quick Look – Cheap Auto Insurance in Tucson
- Tucson Car Insurance Overview
- Arizona Car Insurance Law Explained
- Tucson Traffic Laws You Should Know
- Tucson Car Insurance Rates Per Vehicle
- Auto Insurance Rates by Credit Score
- Insurance for Drivers with a Clean Record
- Insurance Rates with Driving Infractions
- 3 Best Auto Insurance Providers in Tucson
- Sun, Sand and Low Rates
- Frequently Asked Questions
First, let’s look at Arizona’s auto insurance requirements and traffic laws.
Tucson Car Insurance Overview
- There are about 2.6 vehicles per household in Pima County.*
- Minimum auto insurance liability levels are:
- $15,000 bodily injury liability for 1 person and $30,000 for 2 or more people
- $10,000 property damage liability
- The average rate for drivers with a clean record is $534 per year.
*Tucson and the Tucson metro area make up a large part of Pima County.
Arizona Car Insurance Law Explained
Motor vehicle requirements in Arizona leave nothing open to interpretation. Every motor vehicle must have liability insurance — even golf carts, mopeds and motorcycles. Arizona is a “fault” accident state. A fault state means that if you’re involved in an auto accident, the person deemed “at fault” pays the damages.
Tucson Traffic Laws You Should Know
Arizona is one of 21 states that has high occupancy vehicle lanes. HOV lanes help keep traffic flowing at peak road use times.
Vehicles with 2 or more occupants, motorcycles, buses, alternative fuel vehicles and hybrid vehicles can use these lanes. Outside of designated times (Mon. to Fri. 6 a.m.–9 a.m. and 3 p.m.–7 p.m.), single-passenger vehicles can drive in these lanes.
Distracted driving is against the law in Arizona: Need to send a text or be on your phone? You need to pull off the road. If you don’t, you risk traffic fines and points on your license.
Tucson Car Insurance Rates Per Vehicle
Many factors go into car insurance rates such as the age of the driver, type, cost and age of the vehicle, plus repair and replacement costs. Insurance companies also consider safety and security features: airbags, adaptive cruise control, lane departure warning, and anti-theft systems.
Residents of The Grand Canyon State like their trucks. According to 2019 sales, Kelley Blue Book ranks the following 5 as the most popular vehicles in Arizona:
- Ford F-150
- RAM 1500
- Chevrolet Silverado 1500
- Toyota Tacoma
- Toyota RAV4
Expensive vehicles are expensive to repair. Smaller vehicles do not withstand damage as robustly as larger vehicles. The cost of your insurance has as much to do with the make and model of your vehicle as you do.
If the vehicle you drive (or the vehicle you’d like to drive) is expensive to insure, you can work to lower your insurance rates.
Auto Insurance Rates by Credit Score
FICO is the leading industry standard when it comes to credit scores. A credit score tells a lender how likely you are to pay back a loan based on your history.
Likewise, insurance agencies use this score to determine how likely you are to honor your commitment to pay for coverage. The higher your score, the lower the risk for the company. The lower your score, the higher the risk.
Don’t fret if your credit score is lower than desired. You can boost your credit score. If your credit score is excellent, good work! Credit scores are not carved in stone; they can move up and down, so protect yours. Below is a look at what you can expect to pay based on different credit scores.
|Credit Score||Cheapest Provider||Rate for State Minimum Coverage|
|Fair 580–669||State Farm||$1,466|
|Good 670–739||State Farm||$1,221|
Insurance for Drivers with a Clean Record
How do you earn a clean driving record? Follow the laws. Obey speed limits and road signs. Wear your seat belt. Avoid distracted driving. Keep your vehicle maintained.
Next, understand the different types of insurance coverage:
Minimum coverage: This is the smallest amount of coverage allowed by the state. Arizona requires:
- $15,000 bodily injury liability for one person and $30,000 for 2 or more persons. This covers the costs related to injuries and death that you or another driver causes.
- $10,000 property damage liability. This reimburses others for damage that you or a driver operating your car causes to another vehicle or property.
Standard coverage: This coverage takes the minimum coverage up a notch. Bodily injury liability and property damage coverage increases. It also adds:
- Uninsured motorist coverage, which is important in a fault state. It protects you if the driver who is at fault does not have insurance.
- Comprehensive coverage, which is damage to your vehicle as a result of acts such as theft, flood or fire.
- Collision coverage, which covers damage resulting from a collision with another car or object (i.e., telephone pole, tree pothole).
Full coverage: A combination of the coverages explained above. Full coverage is typically an increased dollar amount of coverage for people and the vehicle.
Benzinga compiled data so you know what to expect to pay for minimum, standard and full vehicle coverage with a clean record.
|Insurance Agency||State Minimum Insurance||Standard Coverage||Full Coverage|
Insurance Rates with Driving Infractions
Have driving infractions on your record? Even the best drivers miss a speed limit sign at the wrong time or get into a fender bender. A few infractions include:
- Driving on a suspended or revoked license: It’s illegal to drive on a suspended or revoked driver’s license.
- Aggressive driving: These behaviors include failure to obey traffic laws, following too close, passing on the right of a vehicle where no lane exists and failing to yield to emergency vehicles.
- Running a red light: This means you fail to stop at a red light, flashing red light or stop sign.
- Failure to stop at an accident: By law, you must stop at the scene of an accident in which you’re involved, especially if there is damage/injury/death present.
- DUI: Though DUIs are not listed in Arizona’s most common driving infractions, it’s still an important infraction to note. Arizona drivers are driving under the influence if your blood-alcohol level is 0.08 or higher.
You can still secure auto insurance in Tucson with a driving infraction but you’ll pay a bit more for car insurance.
|Insurance Agency||At-Fault Accident||Speed Violation||DUI|
3 Best Auto Insurance Providers in Tucson
J.D. Power’s 2019 U.S. Auto Insurance Study ranks auto insurers by overall customer satisfaction by region. USAA, The Hartford and State Farm lead the pack in the Southwest.
Allstate, American Family, Safeco, CSAA, GEICO, Liberty Mutual and Farmers follow the leaders. Progressive, Travelers and Nationwide round out the list.
Benzinga’s research and J.D. Power’s customer satisfaction index relay that the best auto insurance providers in Tucson are GEICO, State Farm, Progressive and USAA.
1. Best Overall: State Farm
State Farm is the best overall insurance in Tucson because of pricing, credit score and its J.D. Power customer satisfaction index.
State Farm is the cheapest for those with fair and good credit and is close to the cheapest minimum state coverage provider.
State Farm runs a little on the high side if you have a blemished record, but if you’re looking for above-average customer service, State Farm is a solid option.
2. Cheapest Auto Insurance in Tucson: GEICO
When price is the most important factor, GEICO is tough to beat.
GEICO even offers the cheapest insurance coverage for those with poor credit.
GEICO is the least expensive to insure a vehicle at the state minimum insurance level and is the lowest cost if you have points on your record.
GEICO narrowly missed earning a score above the regional satisfaction average.
3. Best Coverage for Multiple Cars: GEICO
Multiple cars mean multiplied costs. Price is likely a big consideration if you have multiple cars that you need to insure.
GEICO, the cheapest for auto insurance in Tucson, is a good option for insuring multiple vehicles at any budget and also offer excellent customer satisfaction.
Good price and good service — it’s a complete win-win.
4. Best for Military Personnel: USAA
USAA is the best insurance company for military personnel and their family.
Whether you’re active military, a veteran or family member, USAA has a slice of the U.S. population to satisfy.
Its laser-like focus earned the company an outstanding J.D. Power Customer Satisfaction Index Ranking.
Sun, Sand and Low Rates
Tucson is a great place to live if you’re looking for cheap auto insurance. Car insurance runs less than 15% of the cost of other cities, such as Los Angeles and Boston.
Whether you need auto insurance or just want to double-check that you’re getting the best deal, you have many options in Tucson. You can get multiple quotes, compare pricing, coverage and offers specific to your criteria.
Your needs are unique, so make sure you get the right insurance for you.
Frequently Asked Questions
Q: What is no-fault auto insurance?
A: No-fault insurance refers to the medical coverage on an auto insurance policy that pays for injuries to you and your passengers. Each state has its own rules for insurance, so not every state is a no-fault state. In a no-fault state, your own auto policy governs your medical coverage regardless of who was at fault in the accident. See the best providers for no-fault insurance.
Q: What are the major types of car insurance?
Liability: The most basic type of auto insurance you can purchase and is required by (nearly) all states. Liability insurance is what covers the damage caused to other people or property other than your own. To learn more about liability insurance read our full article.
Comprehensive: An optional coverage option that keeps your vehicle protected in case of theft, fire, vandalism, weather, animals, or acts of nature.
Collision: This type of coverage pays for damage to your vehicle in an accident with another vehicle or property. If you are leasing or financing your vehicle, you are typically required to pay for collision insurance.
Uninsured/Underinsured Motorist: Covers you and your passengers if you are involved in an accident with someone who does not have coverage or your injuries or property is damaged beyond the other drivers’ insurance limits. The uninsured motorist also covers your vehicle and passengers if you are involved in a hit and run accident. Each state has different mandates on whether you are required to carry this type of policy. For more policy information continue reading our best car insurance policies article.
Q: By law, what types of car insurance do I have to have?
A: (almost all — not NH) All states require you to carry liability insurance on your vehicle. Your state may require additional auto insurance coverage. Limits are expressed: Amount for injuries per person/amount for injuries total per accident/amount for property damage per accident
*Quotes were obtained using the following profile: base 2015 Toyota Camry, male, 40-years-old. Policies reflect state minimum coverage options. We make every effort to provide the most accurate quotes based on the profile above. Due to the many combined variables involved in insurance quotes, the only way to get an accurate quote is to enter your own information through our partners’ secure websites.