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.
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.
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.
Rita Ranch (85747)
Shaheen Estates (85719)
Sam Hughes (85716)
Armory Park (85701)
Desert Palms Park (85715)
Country Glenn (85711)
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.
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 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 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 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 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.