Find the Best Car Insurance Companies in Tucson, AZ

How to choose a car insurance company in Tucson

Car insurance rates in Tucson vary based on your driving record, the type of car you drive and your age. The price for the same coverage may differ among insurance companies, which is why you should compare rates.

Arizona requires motorists to have car insurance that meets or exceeds these minimum coverage levels:

• Bodily injury liability coverage: Minimum $15,000 per person / $30,000 per accident
• Property damage liability coverage: Minimum $10,000
• Uninsured motorist bodily injury coverage: Minimum $15,000 per person / $30,000 per accident
• Underinsured motorist bodily injury coverage: Minimum $15,000 per person / $30,000 per accident

Car insurance rates in Northern Arizona, such as in Flagstaff, are among the cheapest in the country, but prices increase in larger cities like Phoenix and Tucson. Looking at the average liability insurance rates for a 40-year-old man, you can expect to pay around $630. Expect to pay more in neighborhoods like Sam Hughes and Country Glenn, which are in the heart of Tucson. You’ll get cheaper car insurance rates if you live in outlying areas like Rita Ranch.

Arizona is ranked in the middle, or 23rd most expensive state, for car insurance premiums, according to an insure.com study in 2018. The state came within $10 of the national average of $1,365 for a policy with higher limits (100/300/50) than the minimum required by the state.

If you opt for a car insurance policy with a comprehensive deductible, you may be eligible for a safety glass non-deductible. This option does not require you to pay a deductible when repairing or replacing safety glass on your covered vehicle.

Vehicle theft is a problem that insurance can cover. In 2016, Tucson reported 1,976 stolen vehicles. That is a rate of 3.72 per 1,000 residents, which is twice the national vehicle theft rate. If you are worried about vehicle theft, opting for more coverage is a wise decision.

Another growing concern among Tucson residents is road conditions. One-third of the major roads in Tucson are in poor condition and 28 percent are mediocre, according to the national transportation research group TRIP. Due to poorly maintained roads, it costs drivers an average of $661 a year in vehicle operating costs. Look into an extended auto warranty to help pay for repairs due to wear and tear on your vehicle’s systems.