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Best Car Insurance Companies in Tucson, AZ

Dec. 13, 2019, 12:13 a.m.

Car insurance covers the cost of expensive claims when an accident happens. In Arizona, you are legally required to have insurance if you own a vehicle. Our partners at ConsumerAffairs researched the best car insurance companies in Tucson to help you find affordable coverage that fits your needs.

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#1
EverQuote

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EverQuote
EverQuote
Features
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Tucson
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#2
Progressive
Progressive
Features
  • Bundle plans & save
  • Snapshot driving tool
  • Comprehensive coverage
  • Available in Tucson
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#3
Liberty Mutual
Liberty Mutual
Features
  • Trusted for over 100 years
  • 24/7 claims online
  • 12-month rate guarantee
  • Available in Tucson
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#4
The General
The General
Features
  • Customized due date rates
  • Discounts: pay-in-full, military & more
  • Low monthly rates
  • Available in Tucson
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#5
Oasis Insurance
Oasis Insurance
Features
  • Low rates & discounts from over 40 companies
  • Insurance available for high-risk drivers
  • Personalized service from licensed professionals
  • Multiple offices in Tucson
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Location
3346 S. 6 St., Ste. 150
Tucson, AZ 85713
(520) 422-3186
#6
AAA
AAA
Features
  • Hassle-free claims service
  • Manage your insurance with a AAA online account
  • Quotes available online or by phone
  • Over 10 types of discounts available
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Location
8204 E. Broadway Blvd.
Tucson, AZ 85710
(520) 258-7716
One Call Insurance
One Call Insurance
Features
  • M-F: 9am - 6pm
  • Sat: 9am - 2pm
  • Closed Sun
  • one-call-insurance.business.site
Location
7259 E. Golf Links Rd.
Tucson, AZ 85730
(520) 887-7777
RightSure Insurance Group
RightSure Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • rightsure.com
Location
5151 E. Broadway Blvd., Ste. 120
Tucson, AZ 85711
(520) 917-5295
ABC Insurance
ABC Insurance
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • insurewithabc.com
Location
890 W. Grant Rd.
Tucson, AZ 85705
(520) 620-0222
Allstate
Allstate
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • allstate.com
Location
2900 E. Broadway Blvd., Ste. 150
Tucson, AZ 85716
(520) 624-3309
ETNA Insurance Agency
ETNA Insurance Agency
Features
  • M-F: 9am - 5:30pm
  • Sat: 9am - 1pm
  • Closed Sun
  • etnainsurance.com
Location
3430 N. 1st Ave., Ste. 2
Tucson, AZ 85719
(520) 887-4400

How to choose a car insurance company in Tucson

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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.

Location Liability (50/100/50)
Houghton (85748) $613
Rita Ranch (85747) $575
Shaheen Estates (85719) $634
Sam Hughes (85716) $660
Armory Park (85701) $651
Desert Palms Park (85715) $629
Country Glenn (85711) $642

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.

Progressive

Progressive

The nation’s 3rd largest auto insurance company, Progressive offers auto and motorcycle insurance, among other vehicles. Customers can save with discounts such as safe driver, sign online, multi-car and more. The company offers free quotes and 24/7 online service. Policy information is stored online and through the Progressive app.

Liberty Mutual

Liberty Mutual

Liberty Mutual is committed to providing insurance products and services that meet their customers’ needs. Manage your policies and file a claim online within minutes. The app gives you access to all of the same self-service features on the go. You can request a quote online and receive up to 12 percent off your insurance.

The General

The General

The General strives to offer a low down payment option to every policyholder. Customers can request a fast, easy and secure quote through the website. An app allows customers to manage their policy while on the go. Some online reviews, however, note poor customer service and communication between customers and staff.

Oasis Insurance

Oasis Insurance

Oasis Insurance is a locally-owned and -operated company with locations across the state. Customers receive personalized, expert advice from a personal agent who understands their insurance needs. The company compares rates from top insurance companies, so customers can be certain they are getting coverage at the lowest possible price.

AAA

AAA

AAA is one of the leading providers of auto insurance. Customers can enjoy fast, hassle-free claims service with the company’s easy-to-use website. For an additional cost, customers can purchase AAA membership that entitles them to perks like 24/7 roadside service, DMV services and discounts on other services.

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