Find Cheap Car Insurance in Tucson, AZ

Tucson, Arizona, has a captivating history that can be traced back to ancient Indigenous peoples who inhabited the area thousands of years ago. Spanish missionaries formally established it as a city in 1775, and it became part of the United States in 1854.

Today, Tucson stands out as a vibrant city renowned for its desert landscapes and cultural heritage. Home to the University of Arizona, the city has gained a well-deserved reputation as a center for innovation and academic excellence.

Driving in the Grand Canyon State necessitates having auto insurance. Acceptance Insurance offers cheap car insurance options in Arizona designed to meet your specific needs, even if your driving record isn’t spotless. For all you need to know about vehicle protection in the region and to uncover the best discounts, take a closer look at this guide and discover your trusted partner on the road.

If you’re looking into car insurance in Tucson, you’ll find that the standard cost for basic liability auto coverage, as required by the state, is about $43 per month. That’s $9 below the national average of $52 and $25 cheaper than the Arizona average of $68.

If you’re considering getting full car insurance in this area, you can expect an average cost of $140 per month. That’s $89 less than the Arizona average of around $229 and $28 less than the national average of $168.

What Does it Mean if Arizona Is an At-Fault State?

The Grand Canyon State operates under a fault-based insurance system. This means that in the event of a car accident, the party responsible is required to cover the resulting damages. This differs from no-fault states, where motorists must first file claims with their own insurance companies, regardless of fault.

An important aspect of Arizona’s fault system is that the degree of fault for each person involved in an accident is determined so that each party pays the corresponding damages and receives a percentage of compensation.

The price you end up paying for car insurance depends on many different elements we talk about in this guide. Where you live is a big deal – cities all have their own driving characteristics and risks that impact how much you pay for coverage. Check out the table below for the average policy costs in different cities in Arizona:

Compare Car Insurance Rates by Zip Code in Tucson

Where you live can seriously shake up your coverage costs. Tucson’s spots like Valencia Road and Nogales Highway are known for more fender benders and car swipes, which can hike up the price of insurance for locals.

Look at the next chart to scope out the standard insurance bills for drivers in different zip codes around the city:

Low-Cost Car Insurance Rates by Age in Tucson

Car insurance costs can be high for young drivers due to the perception of increased risk. However, with age comes a potential decrease in rates, particularly as you move into your middle years. Interestingly, turning 50 could mean accessing the most competitive prices. Refer to the table below to view the average monthly insurance costs in Tucson categorized by age:

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Tucson, AZ?

Looking to steer clear of car accidents messing with your insurance rates and avoiding a shift to high-risk coverage? One step is to keep a close watch on Arizona’s crash risks and data.

According to the Arizona Department of Transportation, the state sees a significant number of crashes each year, underlining the importance of staying sharp on the road and never mixing alcohol with driving.

In 2022, Arizona experienced 119,991 crashes and 1,320 statewide fatalities. Fast forward to 2023, with a nearly 2% rise to 122,247 crashes, while total deaths dipped slightly to 1,307, with over a quarter linked to drunk driving. Zooming into Pima County (home to Tucson), 2023 saw a total of 10,263 crashes, with 168 proving fatal and leading to the heartbreaking loss of 185 lives.

Are Road Infrastructure and Bridges in Tucson Well Maintained?

Currently, a large part of Tucson’s streets and infrastructure are undergoing improvements spearheaded by the local government, the Arizona Department of Transportation, and the Federal Highway Administration (FHWA).

For instance, by the end of 2025, the extension to link Sunset Road from Interstate 10 (I-10) to River Road will be completed. Additionally, by 2026, the Grant Road Improvement Project will be finished, with an investment exceeding $63 million to expand Grant Road to 6 lanes, as well as construct bridges and crossings specifically designed for pedestrians and cyclists.

When it comes to hitting the road in Tucson and across Arizona, meeting the minimum coverage requirements is non-negotiable for vehicle registration and safe driving. Every driver must carry at least the mandated level of liability coverage and have proof of insurance on hand while cruising, also known as demonstrating financial responsibility.

Here’s the lowdown on the minimum coverage thresholds for drivers in the Grand Canyon State:

• Property damage per accident: $15,000
• Bodily injury per person: $25,000
• Bodily injury per accident: $50,000

Getting behind the wheel without auto insurance in Arizona could lead to trouble. If you’re caught without proof of coverage, you could face serious repercussions, potentially even losing your driving privileges.

These are the consequences you may face:

• For a first offense, you could be fined $500, have your driver’s license and registration suspended for three months, and be required to carry SR-22 insurance for two years.
• A second offense might result in a $750 fine, a six-month suspension of your license and registration, and the same SR-22 insurance obligation.
• Now, for the third offense, prepare for a $1,000 fine, a one-year suspension of your driving privileges, and the need for SR-22 insurance for two years.

Up until now, we’ve talked about how your insurance rates can vary depending on your city, zip code, and age, but there’s more to it than that. Insurance companies consider other factors when calculating your premiums, such as:

• Your occupation
• Your level of education
• The make and model of your car
• The safety features of your vehicle
• Your driving history, such as any past accidents or tickets

Driving in Arizona offers a diverse and ever-changing experience, influenced by its varying landscapes. From the desert terrain to the mountainous regions, drivers must adapt to different climates that can present unique road conditions.

Numerous construction projects are underway in the city of Tucson, leading to intermittent street closures and lane restrictions. When navigating these areas, it’s crucial to be mindful of signage, anticipate sudden lane shifts, and maintain a safe distance from construction vehicles. Planning ahead, considering alternative routes, and exercising patience are key to navigating Tucson’s streetscape safely and smoothly.

If you want to keep more money in your bank account, exploring different ways to reduce your insurance expenses is smart. Luckily, carriers offer a variety of auto coverage discounts that can help you save money while still getting the coverage you need.

Here are some discounts available for drivers in Tucson: