You Tucson driver know how important it can be to have the best insurance in case of an accident. Pima County had 2668 accidents in 2016 (the most recent year available statistics), and 21 deaths from those accidents. It is evident that an auto insurance policy with solid coverage is essential.
Average auto insurance costs in Tucson are $592 per year for minimum coverage and $1591 for full coverage. This includes collision and comprehensive as well as liability. To determine the best affordable car insurance in Tucson we considered cost, customer service and financial stability to find the best policy writers in the area.
Tucson’s best car insurance companies
The best Tucson car insurance was chosen because of its low rates and high customer service scores such as J.D. Power. We searched for companies that provide a wide range of optional and essential coverages, as well as easy-to-earn discounts. We also evaluated each company’s web site for usability.
| Insurance Company | J.D. J.D. | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|---|
| Allstate | 876/1,000 | $570 | $1,712 |
| Geico | 871/1,000 | $330 | $884 |
| All over the country | 876/1,000 | $403 | $1,060 |
| The Hartford | 888/1,000 | $529 | $1,319 |
| USAA | 890/1,000 | $444 | $1,278 |
Allstate
Allstate’s Tucson average rates were $570 annually for minimum coverage and $1,712 for full coverage. However, its minimum coverage is still below the Tucson average. It is amazing what you get for your money. J.D. Power, so expect great customer service. You can lower your premium by taking advantage of a few discounts.
You can customize your policy with options like rental reimbursement and roadside assistance. You can also manage your account online with ease using a mobile app and an efficient website.
Geico
Geico’s rates are the most affordable among Tucson’s insurance providers. They cost $330 per annum for minimum liability coverage, and $884 for full coverage. Geico also offers generous discounts which can lower your premium rate. For example, you can save 25% by insuring more than one vehicle through the company. Additional 25% is available for servicemen and women deployed. You can save 22% if you are accident-free for five consecutive years. Geico offers optional coverages such as rental reimbursement, emergency road service and mechanical breakdown insurance.
All over the country
Nationwide is rated highly by consumer watchdogs for their customer service. If you have a claim on your policy, they should be dealt with quickly and efficiently. You can be confident that you will get a great deal on your premium rate, as Tucson’s average rates were among the lowest of all the companies we reviewed.
Nationwide offers all the usual discounts like safe driver, easy payment, and student discounts. SmartMiles, which offers a flexible monthly rate and can be reduced if you drive less. Nationwide offers SmartRide, a telematics-based program that rewards safe driving habits with up to 40% off.
The Hartford
Although The Hartford is best known for its life insurance, it is worth considering if you are a senior driver. Since 1984, the company has offered solid auto insurance policies in partnership to AARP. They offer affordable rates and great perks. Hartford’s Advantage, for instance, offers new car replacement coverage and something they call RecoverCare. If you are in an accident, your policy will cover house cleaning, lawn maintenance, and dog walking until you get back on your feet.
USAA
USAA only sells policies to military personnel, veterans, and their families. If you’re a member of any of these groups, USAA should be your first stop when looking for insurance quotes. The prices are generally low and there are many benefits for military personnel, including a discount up to 60% for those who store their car while deployed. Garage your car at base can save you up to 15%
Tucson has the lowest car insurance
Arizona’s average car insurance rate is $502 per year for minimum coverage, and $1,587 per year for full coverage. This is slightly lower than Tucson’s annual averages, which are $592 and $1.591, respectively. The national averages are $1,738 and $563 respectively for minimum coverage.
These are the companies that offer Tucson car insurance at the lowest prices. You should note that your costs may vary depending on your unique information such as your marital status, age, make and model of your car, and driving record.
| Insurance Company | Average Annual Premium for Minimum Insurance | Average annual premium for full coverage |
|---|---|---|
| Geico | $330 | $884 |
| Mercury | $392 | $1,279 |
| All over the country | $403 | $1,060 |
| USAA | $444 | $1,278 |
| Travelers | $464 | $1,175 |
Geico, Nationwide, and USAA are listed on both our listings because they offer excellent service at low prices. Geico offers exceptional rates and sufficient discounts so that your premium might be even lower than the average.
Mercury and Travelers are not on our “best-of” list largely due to their lower customer service scores with ranking organizations like J.D. Power. They do however offer great premium rates, financial stability and comprehensive coverage options.
Insurance requirements for Tucson
Nearly every state in the U.S. will require you to have a minimum level of liability coverage to be able to drive legally. Your legal minimum in Arizona is 25/50/15. This is what it means:
- $25,000 bodily Injury (BI) Liability: This is the maximum amount that your insurance will pay for injuries sustained in an accident involving another vehicle.
- Total BI liability of $50,000: This is the maximum amount your insurance will pay for injuries to anyone else in an accident that you are responsible.
- $15,000 Property Damage (PD) Liability: This is the maximum amount your insurer will pay for the damage to the other driver’s car and any other property such as mailboxes or fences that you cause in an accident.
Arizona also requires insurers to offer uninsured/underinsured motorist coverage, but you may turn this down. If you lease a car or take out a loan on a vehicle, your lender may require that you have collision and comprehensive coverage.
Many insurance professionals recommend that you purchase more than the minimum coverage. You could quickly reach your maximum liability limits if you’re involved in an accident that results in multiple injuries, including those that require extensive hospitalization. In this case you would be personally responsible for any excess.
Tucson car insurance discounts
Most Tucson car insurance companies offer discounts to lower your rates. These discounts are usually available on the company’s site. However, if in doubt, ask your agent. Many are very easy to get. These are some of the most common:
- Green discounts: You can often get a discount if you agree to receive policy information by email instead of having it printed and mailed to your home.
- Telematics programs for safe driving are becoming more common. Your insurer will allow you to have a small device installed in your car to transmit information about your speed, brakes, and other driving habits. You can save as much as 30% if you drive safely.
- Student discounts are available: Although insurance for teens drivers can be expensive, a student with a B+ average or higher may qualify for a price cut.
- Loyalty to your company: Are you a loyal customer of your insurance company for many years? Ask about a discount for loyal customers.
- Multi-car Discount: A discount may be available if your family has more cars insured by the same company.
Questions frequently asked
Which is the best auto insurance company?
There is no single company that is best for everyone. Start your search at Bankrate’s Best Car Insurance Companies For 2021 page to find the right company. Get quotes from several of the listed insurers to find the best Tucson car insurance rates.
What is the cost of Tucson car insurance?
Tucson’s average policy cost is $592 annually for minimum coverage, and $1,591 for comprehensive insurance including collision and comprehensive. Rates will vary depending on your situation. You may be able find lower prices if you take advantage of any discounts.
What amount of Tucson car insurance do you need?
Arizona requires liability coverage to be 25/50/15. If you are a borrower or leaser of a vehicle, collision and comprehensive coverage may be required. You can carry more than the minimum liability, such as 100/300/50, if you’re able. This will ensure that you’re better protected in case of an accident.
