Who Has the Cheapest Car Insurance Quotes in Tucson, Arizona?
Who Has the Cheapest Car Insurance Quotes in Tucson, Arizona?
Find Cheap Auto Insurance Quotes in Tucson, AZ
The cheapest car insurance policies in Tucson, Ariz., can be found at AAA and Geico, according to our analysis.
The most affordable minimum coverage policy costs $659 with AAA, while the cheapest full coverage policy costs $1,766 at Geico. You can compare that to an average cost of $1,318 per year for a minimum policy in Tucson and an average cost of $2,825 for a full coverage policy.
The best way to save money is by comparing rates through multiple insurers. Your driver profile, accident history and credit score can also influence these quotes.
The company with the cheapest minimum liability policy costs nearly $2,000 less than the insurer with the most expensive minimum coverage, demonstrating why drivers need to compare quotes from multiple companies.
Cheapest car insurance in Tucson: AAA
The insurer with the cheapest minimum liability policy for most people is AAA, which has an average annual cost of $659. Two alternatives worth researching are Progressive and Geico.
Current and former military members should get a quote from USAA, which has the cheapest minimum policy overall.
Find Cheap Auto Insurance Quotes in Tucson, AZ
The cheapest insurance policy is one that only meets the minimum requirements set by the state. If you purchase the minimum liability insurance coverage, it only covers the cost of damage you cause to others. It won't cover you in instances where your own car is stolen or damaged in an accident.
Some drivers may benefit from purchasing a full coverage policy — one with comprehensive and collision insurance — but your premium will be more expensive. If you own a car that is old or has little value, it's probably not worth paying extra for more coverage.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | AAA | $659 |
| 2 | Progressive | $919 |
| 3 | Geico | $922 |
| 4 | State Farm | $1,292 |
| 5 | American Family | $1,434 |
| 6 | Allstate | $1,599 |
| 7 | The Hartford | $1,882 |
| 8 | Famers | $2,615 |
| N/A* | USAA | $539 |
Most affordable full coverage policy: Geico
Geico's full coverage policy is the most affordable for a typical driver, with an average rate of $1,766 per year. The next-cheapest options are AAA and Progressive, which offer average premiums of $2,041 and $2,073, respectively.
Military members and veterans should get a quote from USAA, which has the cheapest full coverage policy out of the nine insurers we reviewed.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | Geico | $1,766 |
| 2 | AAA | $2,041 |
| 3 | Progressive | $2,073 |
| 4 | The Hartford | $2,219 |
| 5 | American Family | $2,258 |
| 6 | State Farm | $2,740 |
| 7 | Allstate | $4,527 |
| 8 | Famers | $6,220 |
| N/A* | USAA | $1,579 |
A full coverage policy costs more than a minimum policy because it offers additional protection. Geico's full coverage policy is almost twice as expensive as its minimum liability policy.
Minimum liability coverage is meant to protect other drivers, while full coverage protects both the policyholder and others involved in an accident. A full coverage policy includes comprehensive and collision coverage.
Collision coverage protects you when you hit another vehicle, run into a fixed object or drive over a severely damaged road. Comprehensive coverage protects you against "acts of God," which are events out of your control. Some examples include theft, natural disasters and falling objects.
We recommend you invest in additional coverage if you own a car worth more than $3,000 or a vehicle that's less than 10 years old.
Cheapest full coverage auto insurance for young drivers: The Hartford
The cheapest insurance provider for young drivers is The Hartford, which costs $3,360 per year on average. AAA and Geico policies are also under the $4,000 price range for our sample 18-year-old driver.
Insurance can be expensive, especially for young drivers. Age is one of the primary factors insurers consider when calculating your insurance quote.
The average 18-year-old driver insured with Geico, one of the cheapest companies, pays $2,096 more on average compared to their 30-year-old counterpart.
Rank | Company | Average annual premium |
|---|---|---|
| 1 | The Hartford | $3,360 |
| 2 | AAA | $3,363 |
| 3 | Geico | $3,862 |
| 4 | American Family | $7,760 |
| 5 | State Farm | $8,851 |
| 6 | Progressive | $9,526 |
| 7 | Allstate | $10,074 |
| 8 | Famers | $14,134 |
| N/A* | USAA | $5,060 |
Young people might find that prices are still too expensive after comparing rates. But there are other ways to save money on car insurance.
- Combine policies with your parents or family members. Pairing yourself with low-risk drivers is a good way to lower your premium, so ask your parents or older family members about joining their policy. The overall premium on a combined policy will increase, but it's much cheaper than the price of a separate policy.
- Ask your insurer about discounts. Many insurers offer discounts for installing safety features, getting good grades and taking safe-driving classes. The discount amount will vary depending on your insurer's policy.
- Contact multiple insurers. The difference between the cheapest and most expensive insurers can amount to more than $10,000. Check out small insurers, too, as some may provide better quotes than large companies.
Cheapest car insurance with a prior accident: AAA
When you have an accident history, insurers will see you as high risk and will likely increase your premium. The amount of the increase will vary depending on your insurer. Customers pay an additional $543 on average after an accident. AAA, however, offers the lowest rate for drivers with an accident history.
Meanwhile, Farmers increases its customers' full coverage policy premiums by an average of $2,639 after an at-fault accident — the most out of our sample insurers. State Farm has the lowest rate increase. The insurance companies that increase their rates the least after an accident are:
- State Farm
- AAA
- USAA
Rank | Company | Insurance cost after accident | Annual increase due to accident |
|---|---|---|---|
| 1 | AAA | $2,655 | $614 |
| 2 | Geico | $2,768 | $1,002 |
| 3 | The Hartford | $3,196 | $977 |
| 4 | State Farm | $3,283 | $543 |
| 5 | Progressive | $3,319 | $1,246 |
| 6 | American Family | $4,021 | $1,763 |
| 7 | Allstate | $6,675 | $21,487 |
| 8 | Famers | $8,859 | $2,639 |
| N/A* | USAA | $2,341 | $762 |
Aside from comparing quotes from insurance companies, you should also ask insurers about the discounts they offer. Many insurers have discounts for installing safety devices and attending defensive driving classes.
Best insurance company customer service in Tucson: USAA
Our survey of current customers showed that USAA has the best service in Arizona. USAA has received positive feedback from the National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best. However, USAA has strict eligibility requirements — only military members, veterans and their families qualify. For the average driver, American Family and State Farm are good options to look into.
Everybody wants to save money, but cheap prices don't always compensate for poor service. A higher-priced insurer with excellent service may be worth it if it means you have an easier claims process.
Progressive, Geico and AAA, which have the cheapest minimum coverage insurance, are the worst-rated for customer service in Tucson. These companies could help you save money, but you may forgo a good user experience.
Overall rank* | Group | % of respondents who are overall extremely satisfied with their most recent claim | % of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | American Family | 86% | 50% |
| 3 | State Farm | 73% | 46% |
| 4 | Allstate | 72% | 47% |
| 5 | Farmers | 71% | 38% |
| 6 | Progressive | 74% | 34% |
| 7 | Geico | 64% | 42% |
| 8 | AAA | 44% | 32% |
*Overall rank takes both overall satisfaction and customer service rankings into account.
Average insurance rates by Tucson neighborhood
Certain areas of the city have more people, more accidents or higher crime rates — all of which can drive up the cost of car insurance. The cheapest area of Tucson, Diamond Bell Ranch, costs $193 less per year on average than Midtown, one of the most expensive and bustling areas of the city.
ZIP code | Neighborhood | Average annual car insurance rate |
|---|---|---|
| 85701 | Barrio Viejo | $1,391 |
| 85706 | Emery Park | $1,279 |
| 85708 | Davis-Monthan Air Force Base | $1,323 |
| 85709 | Menlo Park | $1,366 |
| 85710 | Broadway Northeast / Terra Del Sol | $1,313 |
Minimum auto insurance requirements in Arizona
On July 1, 2020, the Arizona Department of Insurance increased the state's minimum insurance requirements.
Coverage | Minimum limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability | $15,000 per accident |
Methodology
ValuePenguin analyzed auto insurance data from nine insurance companies that sell policies in Arizona. Our default driver was a 30-year-old man who owned a 2015 Honda Civic EX and had a below-average credit score. We compared quotes for minimum liability insurance and full coverage.
For full coverage policies in our analysis, the following limits were in place:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.