Last updated: July 19th, 2022
Reviewed by
Grant Desselle
Licensed Insurance Agent
If you’re a car owner in Tucson, Arizona, you know that it’s important to have car insurance. But with all the different companies and policies out there, it can be hard to find the right one for you. In this article, we’ll give you an overview of some of the Tucson car insurance products available from the biggest companies, as well as offer tips on how to get the best deal on your policy.
Table of Contents
The Arizona Department of Transportation (ADOT) requires motor vehicles in Tucson and all locations in the state to carry liability insurance, with the minimum levels of responsibility as follows:
Insurance providers have the responsibility to inform the Motor Vehicle Department (MVD) of any new policies, cancellations, or non-renewals. Failure to maintain an active car insurance policy could result in the suspension of your driver’s license and/or your vehicle’s registration.
To help you find the best car insurance in Tucson, we’ve compiled a list of the providers with the best ratings and their respective premium fees. Note that insurance agencies use different algorithms for computing how much you will have to pay for your auto insurance plan, so rates will vary.
The cost of car insurance premiums are generally based on your location, the type and make of your vehicle, and your driving history. Big cities typically have higher costs of living and will, therefore, have higher average car insurance prices.
In Tucson, the average annual price for full coverage is $1,591. Compare this with Phoenix, where the average is $1,904, and Chandler, which costs $1,589 on average. The average price of car insurance policies in Arizona state is $1,547.
To give you a general idea of what to expect, here are rates from a few insurance providers in Tucson:
*These rate comparisons are based on insurance for a Ford F-150 in the most populated zip code of Tucson for a 35-year-old employed male.
Latest available car accident statistics from the ADOT show that Tucson saw a total of 5,278 car crashes in 2020, 90 of which led to death, 2,008 resulted in injuries, while 3,180 involved property damage only.
The city of Tucson is located in the Sonoran Desert and experiences a hot, dry climate. Winters are mild, with temperatures ranging from the low 30 to the high 50s Fahrenheit. Summers are extremely hot, with temperatures often exceeding 100 degrees. The area also sees a fair amount of rain, although rainfall is highly variable from year to year.
Given the challenging driving conditions in Tucson, it’s important to have car insurance that will protect you in case of an accident. When looking for car insurance, be sure to ask your provider about their policy on accidents that occur in desert areas. Many providers will not cover damages caused by sandstorms or flash flooding.
The best way to find cheap car insurance in Tucson is to shop around and compare rates from different providers. You can get quotes from providers online, over the phone, or in person.
Another way to save on car insurance is to take advantage of discounts. Most providers offer a variety of discounts, such as for good drivers, students, seniors, and members of certain professional organizations.
Be sure to ask your provider about any other discounts that may be available to you. For example, many providers offer special prices for purchasing car insurance and home insurance from the same company.
Finally, consider increasing your deductible. This is the amount you will have to pay out of pocket if you are involved in an accident. By increasing your deductible, you can lower your premium costs.
If you’re looking for help finding car insurance in Tucson, AZ, compare quotes with Insurist. Browse our website for coverage comparisons, insurance provider reviews, and more.
Brian is the founder and CEO of Insurist and carries Life, Health, and Property & Casualty licenses in all 50 U.S. states. Since 2013, Brian has been a member of Million Dollar Round Table, a designation for the top 1% of financial advisors worldwide. Brian has been featured in Yahoo! Finance, Money.com, Entrepreneur.com, Life Happens, Forbes, MSN, and Good Financial Cents. Brian’s goal is to show customers the best products, the quickest answers to their questions, and provide expert advice.
Grant's past experience includes work as a licensed sales agent for Hagerty Insurance. He has reviewed thousands of existing auto policies across the nation and issued hundreds of new ones on everything ranging from classic cars undergoing restoration to modern exotics and motorcycles.
