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Best cheap car insurance in Tucson

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The cheapest car insurance company in Tucson is Geico, according to Bankrate’s 2021 study of quoted annual premiums. However, drivers may find the cheapest rates with other insurance companies in Tucson, depending on their personal characteristics. Insurance providers use personal and household data, including driver ages, claims and driving record history, to determine premiums.

The average cost of car insurance in Tucson for full coverage is $1,591 per year, or about $133 per month. For minimum coverage, the average annual cost is $592. Though minimum coverage offers the cheapest rates, most insurance experts recommend buying higher levels of liability coverage. The best cheap car insurance gives greater financial protection to drivers, which might require more coverage than the minimum required amount provides.

Best cheap car insurance companies in Tucson

In Tucson, Geico, Nationwide, USAA, The Hartford and Allstate are the cheapest car insurance companies, according to Bankrate’s study and analysis of Quadrant rates. To find the best cheap car insurance companies in Tucson, Arizona, Bankrate compared third-party ratings, including AM Best financial strength scores and J.D. Power scores for customer satisfaction, as well as pricing, coverage and discounts for each carrier. This data is combined to create the Bankrate Score, which uses a five-point scale to help Tucson drivers find their preferred best cheap insurance provider.

Insurance company Bankrate Score J.D. Power customer satisfaction score Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.7 829/1,000 $884 $330
Nationwide 4.4 N/A $1,060 $403
USAA 5.0 863/1,000 $1,278 $444
The Hartford 3.8 826/1,000 $1,319 $529
Allstate 4.0 822/1,000 $1,712 $570

Geico

Geico has the cheapest car insurance in Tucson for minimum and full coverage, well below the citywide average for both. With a close to perfect Bankrate Score, Geico might be a good option if you’re looking for affordable rates. It also has the most potential auto discounts available among providers we studied.

Geico has a highly-rated mobile app, as well as optional coverages for travel to Mexico and mechanical breakdown insurance. The large insurer scores just above average with J.D. Power for Auto Claims Satisfaction, but falls below average in the Southwest region on its Auto Insurance Study.

Learn more: Geico Insurance review

Nationwide

Tucson drivers can get the next cheapest car insurance rates with Nationwide, which also fall below the Tucson average in both categories. Nationwide offers multiple ways to save, including its SmartRide and SmartMiles programs. Policyholders can also add optional features like vanishing deductible and total loss deductible waiver, which reduce your out-of-pocket costs when filing a deductible-based claim and in the event your car is totaled. However, Nationwide did not make the list of top insurers in J.D. Power’s Auto Insurance Study and ranked below average in its Auto Claims Satisfaction Study.

Learn more: Nationwide Insurance review

USAA

Though USAA’s average rates in Tucson are average compared to competitors on our list, they still come in below the average for the city. While USAA ranks highest by points in both J.D. Power studies, it is not eligible for ranking because of its limitations on membership. Only past and present service members and their immediate families are eligible to get insurance through USAA. Those who can will have access to some great potential discounts like car storage, installment free monthly payments, military on-base and family discounts.

Learn more: USAA Insurance review

The Hartford

Though The Hartford ranked below average in the J.D. Power Auto Insurance Study in the Southwest region, it ranks number one in the Auto Claims Satisfaction Study. Those who value claims experience highly may consider The Hartford, even if the rates are not the cheapest on our list. AARP members who sign up for auto insurance with The Hartford can get several potential benefits, such as 10% off premiums, lifetime car repair assurance, new car replacement coverage and RecoverCare.

Learn more: The Hartford Insurance review

Allstate

Allstate offers several ways to customize your auto insurance, like custom equipment coverage, rental reimbursement, personal umbrella and Mexico travel. Those who sign up early, pay on time, set up automatic payments and pay in full typically get more affordable rates with this insurance provider. Allstate’s average car insurance premium in Tucson is more expensive than the city’s average for full coverage, but below average for minimum coverage. In both J.D. Power studies, Allstate fell short of average compared to other insurers.

Learn more: Allstate Insurance review

How to get and keep the cheapest car insurance in Tucson

To get and keep the cheapest rates for car insurance, Tucson drivers should stay vigilant on the roads to avoid accidents and tickets. Maintaining clean driving records in the household is one of the best ways to protect affordable rates. Insurance providers also reward safe driving habits with features like accident forgiveness and safe driving discounts. There are other ways to get and keep affordable rates in Tucson:

  • Shop around for insurance providers. Comparing multiple quotes from different carriers can help you find the cheapest rates. Also consider taking advantage of discounts to stack more savings and keeping a clean driving record by practicing smart driving habits to maximize your low rates.
  • Do not assume your provider is cheapest. Just like shopping carriers can help you get the best car insurance in Tucson, regularly shopping can help you keep the cheapest rates. Consider comparing rates at each renewal, annually or when you make changes, like getting a new car or adding a teen driver.

Frequently asked questions

What is the best car insurance company?

The best car insurance companies in Tucson will offer affordable rates with the coverages you need and discounts you qualify for. Each company has different rates, and your age, ZIP code and driving history will affect how much you pay. Comparing rates and companies can help you find the best option for your household.

How much car insurance do I need in Tucson?

Arizona requires drivers to carry a minimum amount of car insurance. You may need to add collision and comprehensive coverage as well if you have a car loan or lease your car. If you are able to, you might want to consider carrying more than the minimum liability insurance required so that you will be better protected in the event of a serious accident.

How can I lower my car insurance rates in Tucson?

There are multiple ways to lower your car insurance rates in Tucson if you think you are paying too much. Avoiding tickets and at-fault accidents, taking a defensive driving course and adding eligible discounts are just a few ways to potentially get more affordable rates in Tucson.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor