As a Tucson driver, you know how important it is to have the best car insurance to protect you in the event of an accident. In Pima County there were 2,668 reported accidents in 2016, the most recent year for which there are statistics, and 21 deaths resulting from those accidents. Considering the numbers, it is clear that a solid auto insurance policy is a must-have.
The average cost of auto insurance in the city is $592 annually for minimum coverage and $1,591 annually for full coverage, which includes collision and comprehensive in addition to liability. In determining the best cheap car insurance in Tucson, we looked at cost, customer service, financial stability and more to determine who is writing the best policies in the region.
Best car insurance companies in Tucson
Our selections for the best car insurance Tucson were chosen based on low rates, as well as high scores with agencies that assess customer service such as J.D. Power. We looked for companies that offer an extensive range of essential and optional coverages as well as discounts that are easily earned. Finally, we assessed each company’s website for ease of use.
| Insurance Company | J.D. Power Score | Average Annual Premium for Minimum Coverage | Average Annual Premium for Full Coverage |
|---|---|---|---|
| Allstate | 876/1,000 | $570 | $1,712 |
| Geico | 871/1,000 | $330 | $884 |
| Nationwide | 876/1,000 | $403 | $1,060 |
| The Hartford | 888/1,000 | $529 | $1,319 |
| USAA | 890/1,000 | $444 | $1,278 |
Allstate
Allstate’s average Tucson rates were on the high side at $570 annually for minimum and $1,712 annually for full coverage, but its minimum coverage is still under the Tucson average. What you get for your money is impressive, though. It scores high with J.D. Power, so expect great customer service. A good handful of discounts can help lower your premium below the average.
Coverage options such as roadside assistance and rental reimbursement let you personalize your policy to meet your own needs. It also has an efficient, well-made website and a mobile app that allows you to manage your account electronically with no trouble.
Geico
Geico’s rates were the cheapest of any of Tucson’s insurance providers, at $330 per year for minimum liability coverage and $884 per year for full coverage. But there is more good news from the provider, as well: Geico offers generous discount opportunities that can bring your premium rate even lower. Insure more than one vehicle with the company, for example, and save 25%. Servicemen and women who are deployed earn another 25% off. Stay accident-free for five years and you will save 22%. Geico’s optional coverages include emergency road service, rental reimbursement and mechanical breakdown insurance
Nationwide
Nationwide scores well with consumer watchdog organizations for customer service, so if you make a claim on your policy, it should be handled quickly and efficiently. The company’s average rates for Tucson were the second lowest among the companies we researched, so you can also be sure you will score a good deal on your premium rate.
Nationwide has all the usual discounts, such as safe driver, easy pay and good student discounts. It also offers the SmartMiles program, which has a flexible monthly rate that can go down if you drive less miles. Nationwide also has SmartRide, the company’s telematics-based program that rewards you with up to 40% off for safe driving habits.
The Hartford
The Hartford is better known for life insurance, but if you are an older driver, it should be on your radar. The company has been offering solid auto insurance policies in partnership with AARP since 1984, with reasonable rates and some excellent perks. The Hartford’s Advantage program, for example, includes new car replacement coverage as well as something they call RecoverCare — if you are injured in an accident, your policy will pay for house cleaning, lawn maintenance, dog walking and more until you are back on your feet again.
USAA
USAA sells policies only to those in the military, veterans and their families, and if you are a member of one of these groups, it should be your first stop for an insurance quote. Its prices tend to be on the low end, and there are some real benefits for service people, such as a discount of up to 60% if you store your car while being deployed. You can also save up to 15% if you garage your car on base.
Cheapest car insurance in Tucson
The average rate for car insurance in Arizona is $502 annually for minimum coverage and $1,587 annually for full coverage; this is slightly lower than Tucson’s annual averages of $592 and $1,591 respectively. National averages, meanwhile, are $563 for minimum and $1,738 for full coverage.
The cheapest car insurance in Tucson can be found from the following companies. It is worth noting, however, that your own costs will vary, since they are based on your own unique information, such as your age and marital status, the age and make of your car and your driving record.
| Insurance Company | Average Annual Premium for Minimum Coverage | Average Annual Premium for Full Coverage |
|---|---|---|
| Geico | $330 | $884 |
| Mercury | $392 | $1,279 |
| Nationwide | $403 | $1,060 |
| USAA | $444 | $1,278 |
| Travelers | $464 | $1,175 |
Geico, Nationwide and USAA appear on both of our listings, since these companies are providing excellent service as well as low prices. Geico, in particular, offers great rates and enough discounts that your own premium may be even less than the average.
Mercury and Travelers do not appear on our “best of” listing largely because they score at the lower end for customer service with ranking organizations such as J.D. Power. However, they do offer excellent premium rates, comprehensive coverage options and financial stability, and one of them may be the best fit for your circumstances.
Tucson insurance requirements
Almost every state in the U.S. requires you to carry a minimum amount of liability coverage in order to drive legally in the state. In Arizona, your legal minimum is 25/50/15. Here is what that means:
- $25,000 bodily injury (BI) liability: this is the maximum amount your insurer will pay for one person’s injuries in the other car in an accident that you cause.
- $50,000 total BI liability: this is the maximum your insurer will pay for all injuries if more than one person is hurt in an accident you cause.
- $15,000 property damage (PD) liability: this is the maximum your insurer will pay for damage to the other driver’s car, as well as any other property, such as fences or mailboxes, in an accident you cause.
Arizona also requires insurers to offer uninsured/underinsured motorist coverage, but you may turn this down. You may also be required, by your lender, to carry collision and comprehensive coverage if you are leasing your car or have a car loan.
If you can afford to purchase more than the minimum liability, many insurance experts would suggest that you do so. If you are in an accident with multiple injuries requiring surgery and extensive hospitalization, you could reach your liability maximums very quickly — and you would be personally liable for anything over that amount.
Car insurance discounts in Tucson
Almost all car insurance companies in Tucson offer discounts to help bring down your rate. You can usually find these on the company’s website, but ask your agent if you are unsure — many are fairly easy to earn. Here are some common ones:
- Green discounts: If you agree to receive policy documents by email rather than printed out and mailed to you, and to pay your bill electronically, you can often earn a discount.
- Safe driving telematics programs: These are increasingly common. You agree to keep a small device in your car that transmits information back to your insurer about your speed, braking and more. If you follow safe driving habits, you can save up to 30% off on your premium.
- Good student discounts: Insurance for teen drivers is not cheap, but a student who earns a B+ or higher average may be eligible for a break on price.
- Company loyalty: Have you been with your insurance company for several years? Ask if there is a discount for being a loyal customer.
- Multi-car discount: If your family has more than one car insured with the same company, there may be a discount of up to 25% available.
Frequently asked questions
What is the best car insurance company?
There is no one company that is the best for everyone. To find the best company for your needs, start your search at Bankrate’s Best Car Insurance Companies for 2021 page. Collect quotes from some of the insurers listed there, and see who is able to offer you the best car insurance quotes Tucson.
How much does car insurance in Tucson cost?
The average cost of a policy in Tucson is $592 per year for the state’s minimum coverage and $1,591 per year for a full-coverage policy including collision and comprehensive. Your own rates will probably differ depending on your circumstances, and you may be able to find prices that are below the average when you add in any available discounts.
How much car insurance do I need in Tucson?
Arizona state requires you to carry liability coverage of 25/50/15. You may need to have collision and comprehensive coverage as well if you have a car loan or lease your car. If you are able to, consider carrying more than the minimum liability — such as 100/300/50 — so that you will be better protected in the event of a serious accident.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
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