Who Has the Cheapest Car Insurance Quotes in Tucson, Arizona?

In Tucson, a minimum auto insurance policy costs an average of $1,318 per year. A full-coverage policy costs an average of $2,825, or about $235 per month. Comparing rates from multiple insurers is the most effective way to save money. These quotes will also be influenced by your driver profile, accident history, and credit score.

The insurer with the lowest minimum-liability policy costs nearly $2,000 less than the insurer with the highest minimum coverage, demonstrating why drivers should compare quotes from multiple companies.

Cheapest car insurance in Tucson: CSAA

CSAA has the cheapest minimum-liability policy, with an annual cost of $659 on average. Progressive and Geico are two alternatives worth investigating.

Current and former military personnel should get a quote from USAA, which has the cheapest overall minimum policy.

The cheapest insurance policy is one that meets the state's minimum requirements. If you buy the bare-bones liability insurance, it only covers the cost of damage you cause to others. It will not cover you if your own car is stolen or damaged in an accident.

Some drivers may benefit from purchasing a full-coverage policy, which includes comprehensive and collision coverage, but your premium will be higher. If you own an old or low-value vehicle, it's probably not worth paying more for more coverage.

Most affordable full-coverage policy: Geico

Geico's full-coverage policy is the most affordable, with an average annual cost of $1,766. If you don't mind spending a little more, the next-lowest options are CSAA and Progressive, which have average premiums of $2,041 and $2,073, respectively.

Military members and veterans should get a quote from USAA, which has the most affordable full-coverage policy of the nine insurers we looked at.

Because it provides more protection, a full-coverage policy is much more expensive than a minimum-coverage policy. Geico's full-coverage policy costs nearly twice as much as its minimum-liability policy.

Minimum liability coverage protects other drivers, whereas full coverage protects both you and others involved in an accident. Comprehensive and collision coverage are included in a full-coverage policy.

Collision coverage protects you if you collide with another vehicle, collide with a fixed object, or drive on a severely damaged road. Comprehensive coverage protects you against "acts of God," which are uncontrollable events. Theft, natural disasters, and falling objects are a few examples.

If you own a car worth more than $3,000 or a vehicle that is less than ten years old, we recommend that you purchase additional coverage.

Cheapest full-coverage auto insurance for young drivers: CSAA

CSAA is the cheapest insurance provider for young drivers, with an average annual cost of $3,363. Hartford and Geico policies are also less than $4,000 for our hypothetical 18-year-old driver.

Insurance can be costly, particularly for young drivers. When calculating your insurance quote, one of the primary factors insurers consider is your age. Even if their insurer is the same, drivers under the age of 20 can pay significantly more than drivers in their 30s or 40s.

The average 18-year-old driver insured with Geico, one of the least expensive companies, pays $2,096 more than their 30-year-old counterpart

After comparing rates, young people may discover that prices are still too high. There are, however, other ways to save money on car insurance.

• Combine insurance policies with your parents or other family members. Associating with low-risk drivers can help you save money on your insurance, so talk to your parents or older family members about joining their policy. The overall premium for a combined policy will rise, but it will still be much lower than the price of a separate policy.
• Inquire with your insurer about possible discounts. Many insurance companies provide discounts for installing safety features, maintaining good grades, and attending safe-driving classes. The amount of the discount varies depending on your insurer's policy, but it can add up to significant savings.
• Contact several insurance companies. The difference in premiums between the cheapest and most expensive insurers can be more than $10,000. Examine small insurers as well, as some may provide better quotes than large corporations.

Cheapest car insurance in with a prior accident: State Farm

If you have a history of accidents, insurers will view you as a high risk and will most likely raise your premium. The amount of the increase will differ depending on your insurance company.

Farmers, for example, raised their customers' full-coverage policy premiums by an average of $2,639 after an accident, the most of any insurer in our sample. State Farm, on the other hand, had the lowest rate increase. After an accident, customers paid an additional $544 on average.

Following an accident, the insurance companies that raised their rates the least are:

• State Farm
• CSAA
• USAA

Aside from comparing insurance quotes, you should also inquire about discounts offered by insurers. You may already be eligible for some. Many insurance companies offer discounts for installing safety devices and taking defensive driving courses.

Best insurance company customer service in Tucson: USAA

When shopping for auto insurance, some drivers prioritize price over all else, but customer service should also be considered. If you're willing to pay more, a higher-priced insurer with excellent service may be a better value.

According to our survey of current customers, USAA provides the best service in Arizona. The National Association of Insurance Commissioners (NAIC), J.D. Power, and A.M. Best Company have all given USAA positive feedback. USAA, on the other hand, has strict eligibility requirements — only military members, veterans, and their families are eligible. American Family and State Farm are two good options for the average driver to consider.

Everyone wants to save money, but low prices do not always make up for poor service. You don't want to deal with rude service representatives, a confusing claims process, and a long wait time when filing a claim, on top of dealing with the stress of an accident.

Progressive, Geico, and CSAA, which have the lowest minimum-policy insurance rates, have the worst customer service ratings in Tucson. These businesses may assist you in saving money, but you may forego a good user experience.

Overall rank takes both overall satisfaction and customer service rankings into account.

Average insurance rates by Tucson neighborhood

Certain parts of town have more people, more accidents, or higher crime rates, all of which can raise the cost of car insurance. Diamond Bell Ranch, Tucson's most affordable neighborhood, costs $193 less per year on average than Midtown, one of the city's most expensive but most vibrant neighborhoods.

Minimum auto insurance requirements in Arizona

The Arizona Department of Insurance increased the state's minimum insurance requirements on July 1, 2020. If you buy car insurance after this date, your policy must meet new requirements.

Drivers who buy a minimum policy before July 1 will have their limits increased to reflect the new requirement when their policy renews. This will raise the cost of your bare-bones policy premium. Prior to this change, Arizona had one of the country's lowest insurance requirements.

While the minimum limit has been raised, the types of coverage required remain unchanged. Because minimum coverage does not cover damage to your own vehicle, you will have to pay for it out of pocket if you are involved in an accident. We encourage drivers who own a new or expensive car to consider purchasing additional coverage.

Methodology

LowCostInsurance examined auto insurance data from nine Arizona insurance companies. Our default driver was a 30-year-old man who drove a 2015 Honda Civic EX and had a credit score that was below average. We compared minimum liability insurance quotes.

The following limits were in place for full-coverage policies in our analysis:

The insurance rate data used in LowCostInsurance analysis came from Quadrant Information Services. These rates were obtained publicly from insurer filings and should only be used for comparison purposes — your own quotes may differ.