Average car insurance cost in Tucson

The average car insurance rate in Tucson for full coverage is $1,879 per year or $157 a month. These rates are for coverage levels of 100/300/100 with $500 deductibles.

Whereas, the average rate for state minimum coverage in Tucson is $550 per year. The state minimum liability limits are 25/50/15.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.

Average 6 month premium$939
Average annual premium$1,879
State minimum premium$550

Cheapest car insurance companies in Tucson

GEICO offers the cheapest rates on average at $1,279 per year. Travelers is the second-most affordable auto insurance company on the list, based on our rate comparison for full coverage.

Car insurance prices differ based on where you live, your driving history, coverage limit and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.

Below are the companies that offer cheap car insurance to drivers in Tucson.

CompanyAverage 6 month rateAverage annual rate
GEICO$639$1,279
Travelers$766$1,533
Auto-Owners$798$1,597
Nationwide$848$1,696
Progressive$950$1,899
Allstate$1,109$2,219
Farmers$1,289$2,578
State Farm$1,319$2,638
USAA$736$1,472

Cheapest car insurance cost in Tucson by age group

Car insurance rates in Tucson vary by age group; the risk associated with insuring a driver differs by age, especially when it comes to younger, inexperienced drivers. Take a look at the cheapest companies in Tucson by age: as insurers consider factors like driving experience and accident risk while calculating the insurance premiums.

  • Cheapest for teens: GEICO
  • Cheapest for young adults: GEICO
  • Cheapest for adults: GEICO
  • Cheapest for seniors: GEICO

Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. GEICO offers the cheapest car insurance for teens at $3,321 per year.

GEICO offers the most affordable auto insurance for young adults at $1,772 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.

Adult drivers pay lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $1,275 per year for adult drivers in Tucson.

GEICO offers the least expensive car insurance for senior drivers in Tucson, at $1,267 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.

CompanyTeensYoung adultsAdultsSeniors
GEICO$3,321$1,772$1,275$1,267
Travelers$5,017$2,409$1,568$1,597
Auto-Owners$4,636$2,769$1,647$1,735
Nationwide$6,447$2,999$1,688$1,602
Progressive$9,366$3,195$1,886$1,946
Allstate$7,525$3,150$2,196$2,465
Farmers$11,482$4,725$2,460$2,664
State Farm$7,825$4,443$2,660$2,596
CSAA Insurance (AAA)$14,422NANANA
USAA$6,496$2,553$1,479$1,499

Cheapest car insurance companies in Tucson by driver profile

Car insurance rates in Tucson vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

Below are some of the cheapest car insurance companies in Tucson by driver profile.

Cheapest for a driver with poor credit: GEICO

GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Tucson pay about $1,982 per year for it.

Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Tucson.

CompanyAverage 6 month premiumAverage annual premium
GEICO$991$1,982
Travelers$1,182$2,364
Nationwide$1,205$2,410
Progressive$1,555$3,109
Allstate$1,839$3,677
Farmers$2,232$4,464
Auto-Owners$2,253$4,505
State Farm$7,396$14,792
USAA$1,534$3,067

Cheapest auto insurance after an at-fault accident: GEICO

In Tucson, GEICO offers the cheapest car insurance for drivers with at-fault accident at $1,980 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.

The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Tucson.

CompanyAverage 6 month premiumAverage annual premium
GEICO$990$1,980
Travelers$1,098$2,196
Auto-Owners$1,116$2,231
Nationwide$1,207$2,414
State Farm$1,515$3,030
Progressive$1,558$3,115
Allstate$1,575$3,149
Farmers$2,052$4,104
USAA$1,119$2,237

Cheapest auto insurance after a DUI: Progressive

Progressive offers the cheapest car insurance rates for drivers with a first offense DUI/DWI on their driving record. The average rate is $2,329 per year, making it the cheapest option amongst all the companies analyzed.

A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.

Here are the cheapest car insurance companies for drivers with a DUI in Tucson.

CompanyAverage 6 month premiumAverage annual premium
Progressive$1,165$2,329
Travelers$1,178$2,355
GEICO$1,362$2,724
State Farm$1,403$2,806
Auto-Owners$1,432$2,864
Nationwide$1,739$3,478
Allstate$1,834$3,668
Farmers$2,392$4,783
USAA$1,744$3,487

Cheapest for drivers with a speeding ticket: Travelers

Travelers offers the cheapest car insurance at $2,257 in Tucson for drivers with speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.

Here are the companies offering cheap auto insurance for drivers with speeding ticket.

CompanyAverage 6 month premiumAverage annual premium
Travelers$1,129$2,257
GEICO$1,172$2,343
Nationwide$1,259$2,517
Progressive$1,329$2,657
State Farm$1,403$2,806
Auto-Owners$1,432$2,864
Farmers$1,663$3,326
Allstate$1,675$3,349
USAA$950$1,900

Car insurance discounts for Tucson drivers

The biggest car insurance discount available in Tucson is for the years licensed category at 37.35%, offered by Travelers.

Car insurance is essential for drivers in Tucson, but you should not pay more than necessary. Insurance companies offer a variety of discounts that can help lower your premium. Whether you're a safe driver, a student or bundle your home and auto insurance, there are savings opportunities available.

Here are some of the car insurance discounts insurers offer to Tucson drivers and how much you could save on average.

CategoryCompanyPremium before discount% Discount$ Difference
Air BagsGEICO$1,2350.52%$6
Air BagsNationwide$2,0850.89%$19
Air BagsThe Hartford$1,8890.44%$8
Anti-Theft DeviceCSAA Insurance (AAA)$2,2810.19%$4
Anti-Theft DeviceGEICO$1,2380.83%$10
Anti-Theft DeviceThe Hartford$1,8891.02%$19
Days Advanced PurchaseAllstate$2,59110.28%$266
Days Advanced PurchaseFarmers$2,51811.93%$300
Days Advanced PurchaseNationwide$2,0853.97%$83
Days Advanced PurchaseProgressive$1,6993.53%$60
Days Advanced PurchaseTravelers$1,5196.24%$95
EducationGEICO$1,2357.16%$88
EducationProgressive$1,6993.11%$53
Electronic Funds TransferAllstate$2,5916.26%$162
Electronic Funds TransferFarmers$2,5181.99%$50
Electronic Funds TransferTravelers$1,5193.97%$60
Electronic SignatureProgressive$1,6997.97%$135
HomeownerAllstate$2,5912.35%$61
HomeownerCSAA Insurance (AAA)$2,2814.59%$105
HomeownerFarmers$2,51816.49%$415
HomeownerGEICO$1,2357.16%$88
HomeownerProgressive$1,6993.52%$60
HomeownerThe Hartford$1,8890.98%$19
Lower Annual MileageCSAA Insurance (AAA)$2,2814.59%$105
Lower Annual MileageGEICO$1,2353.14%$39
Lower Annual MileageProgressive$1,6992.67%$45
Lower Annual MileageState Farm$1,8679.59%$179
Lower Annual MileageThe Hartford$1,8895.42%$102
Lower Annual MileageTravelers$1,5196.58%$100
Loyalty - Years Renewal With CompanyProgressive$1,6990.92%$16
Loyalty - Years Renewal With CompanySafeway Insurance$2,89218.59%$538
Loyalty - Years Renewal With CompanyState Farm$1,86715.62%$292
Marital StatusAllstate$2,5916.09%$158
Marital StatusCSAA Insurance (AAA)$2,2280.61%$13
Marital StatusNationwide$2,0855.77%$120
Marital StatusProgressive$1,6998.27%$141
Marital StatusSafeway Insurance$2,89210.93%$316
Marital StatusThe Hartford$1,88914.41%$272
Multi PolicyAllstate$2,5919.10%$236
Multi PolicyCSAA Insurance (AAA)$2,28110.05%$230
Multi PolicyFarmers$2,51810.75%$271
Multi PolicyGEICO$1,2358.52%$105
Multi PolicyNationwide$2,0854.92%$103
Multi PolicyProgressive$1,69912.52%$213
Multi PolicyState Farm$1,86710.88%$203
Multi PolicyThe Hartford$1,8894.48%$85
Multi PolicyTravelers$1,5197.22%$110
Paperless/Electornic DocumentsAllstate$2,5914.47%$116
Paperless/Electornic DocumentsFarmers$2,5185.96%$150
Paperless/Electornic DocumentsNationwide$2,0853.97%$83
Paperless/Electornic DocumentsProgressive$1,6990.80%$14
Payment TypeAllstate$2,59112.00%$311
Payment TypeCSAA Insurance (AAA)$2,2817.16%$164
Payment TypeFarmers$2,5184.97%$125
Payment TypeSafeway Insurance$2,8929.29%$269
Payment TypeThe Hartford$1,8896.46%$122
Payment TypeTravelers$1,5194.96%$75
Primary UseAllstate$2,5917.72%$200
Primary UseNationwide$2,0857.94%$166
Primary UseProgressive$1,6991.17%$20
Primary UseState Farm$1,86711.44%$214
Primary UseTravelers$1,5193.83%$58
ProfessionGEICO$1,2357.16%$88
ProfessionProgressive$1,69915.39%$262
Safety DevicesGEICO$1,2351.76%$22
Safety DevicesProgressive$1,6993.16%$54
TelematicsAllstate$2,5918.94%$232
TelematicsCSAA Insurance (AAA)$2,2819.19%$210
TelematicsNationwide$2,0854.10%$86
TelematicsProgressive$1,6999.98%$170
TelematicsState Farm$1,86714.24%$266
TelematicsThe Hartford$1,8894.66%$88
Years InsuredAllstate$4,25525.78%$1,097
Years InsuredFarmers$3,80612.63%$480
Years InsuredGEICO$2,04936.83%$754
Years InsuredNationwide$4,02434.50%$1,389
Years InsuredProgressive$2,14615.10%$324
Years InsuredSafeway Insurance$3,0334.64%$141
Years InsuredThe Hartford$2,72331.22%$850
Years InsuredTravelers$2,00712.29%$247
Years LicensedAllstate$6,74332.65%$2,201
Years LicensedCSAA Insurance (AAA)$2,69414.08%$380
Years LicensedFarmers$5,92435.76%$2,118
Years LicensedGEICO$2,95025.67%$757
Years LicensedProgressive$2,96725.02%$742
Years LicensedState Farm$2,31116.79%$388
Years LicensedThe Hartford$3,99028.72%$1,147
Years LicensedTravelers$3,26437.35%$1,220

How to get cheap car insurance in Tucson in 2025

Find affordable car insurance in Tucson by following these smart strategies:

  • Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
  • Take advantage of discounts offered. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car or paying your premium in full instead of monthly.
  • Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
  • Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents and other violations to keep your insurance costs down.
  • Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
  • Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Tucson.

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.