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Last updated: August 22, 2025Best Cheap Car Insurance in Tucson
Auto-Owners offers the cheapest full and minimum coverage auto insurance in Tucson, on average.
Cheapest
Editor's Rating: 4.4/5
Average Cost in Tucson
- Full Coverage Monthly: $89
- Minimum Coverage Monthly: $50
Best for Customer Service
Editor's Rating: 4.9/5
Average Cost in Tucson
- Full Coverage Monthly: $117
- Minimum Coverage Monthly: $68
Best for Military and Veterans
Editor's Rating: 5/5
Average Cost in Tucson
- Full Coverage Monthly: $129
- Minimum Coverage Monthly: $59
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Key Takeaways
- Auto insurance in Tucson is cheaper than the Arizona average for full coverage, at $2,132 annually ($178 per month), but it’s more expensive than the state average for minimum coverage, at $1,084 annually ($90 per month).
- Auto-Owners, Mile Auto and Root have the lowest full coverage rates in Tucson. State Farm and USAA also have cheaper-than-average rates.
The cost of auto insurance varies depending on your vehicle, age, driving history and other factors. To find the cheapest rates possible, we recommend comparing multiple quotes.
Our Top Picks for the Best Cheap Auto Insurance in Tucson
- Cheapest: Auto-Owners
- Best for Customer Service: State Farm
- Best for Military and Veterans: USAA
- Best for Roadside Assistance: AAA
- Best for Low Mileage: Mile Auto
Compare the Best Cheap Auto Insurance in Tucson
| Company | Full coverage annual average | Minimum coverage annual average | Southwest customer satisfaction |
|---|---|---|---|
| Auto-Owners | $1,071 | $597 | Below average |
| State Farm | $1,408 | $821 | Above average |
| USAA | $1,554 | $713 | Above average |
| CSAA (AAA) | Not available | Not available | Above average |
| Mile Auto | $1,128 | $672 | Not rated |
| Tucson | $2,132 | $1,084 | – |
Detailed List of the Best Cheap Providers in Tucson
1. Cheapest - Auto-Owners
Why we chose it
Auto-Owners has the lowest average rates for full and minimum coverage in Tucson. Although Auto-Owners scored slightly below average in J.D. Power’s customer and claims satisfaction studies, it received a high score on the CRASH Network Insurer Report Card and a good rating on the National Association of Insurance Commissioners (NAIC) Complaint Index. This score suggests that Auto-Owners offers a strong claims handling process and that customers are generally satisfied with the company’s service.
Who it’s best for
Given its high number of local agents and lack of an online quote tool, Auto-Owners is best for people who prefer human customer service over digital policy management. It’s a great option for drivers in Tucson who are seeking the lowest possible rates and personalized service.
Tucson pricing
| Auto-Owners | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $89 | $50 |
| Annually | $1,071 | $597 |
| Difference from Tucson average | -50% | -45% |
2. Best for Customer Service - State Farm
Why we chose it
State Farm has cheaper-than-average rates in Tucson for both full and minimum coverage, and it has a reputation for a high level of customer service. State Farm scores well above the survey average in J.D. Power’s claims and customer satisfaction studies. While Mile Auto and Root have cheaper average rates, they cater specifically to low mileage drivers and are relatively new companies. State Farm’s traditional unlimited mileage policies are likely best for most drivers, and the company has a long track record of service.
Who it’s best for
State Farm is great for drivers who are looking for an affordable standard full or minimum coverage policy, but it doesn’t offer additional coverage types, such as accident forgiveness. State Farm is also a good choice for people with good credit scores; the company’s prices tend to increase more than average for drivers with less-than-stellar credit.
Tucson pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $117 | $68 |
| Annually | $1,408 | $821 |
| Difference from Tucson average | -34% | -24% |
3. Best for Military and Veterans - USAA
Why we chose it
USAA is known nationally for its low rates and excellent customer service. Although the company is technically ineligible for the studies due to its limited availability, it scored the highest of all surveyed providers in the J.D. Power customer and claims satisfaction surveys.
Who it’s best for
We named USAA the best auto insurance in Arizona for military members and their families. (USAA is not available to those without a military affiliation.) USAA also offers usage-based insurance in 15 states, including Arizona, making it a great option for infrequent drivers.
>>Related: Learn more about how State Farm compares to USAA.
Tucson pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $130 | $59 |
| Annually | $1,554 | $713 |
| Difference from Tucson average | -27% | -34% |
4. Best for Roadside Assistance - AAA
What We Like Most:
- Exceptional roadside assistance
- Highest customer satisfaction in Southwest
- Extra discounts for AAA members
Why we chose it
Although pricing data isn’t available for CSAA (AAA), it has the highest score in J.D. Power’s overall customer satisfaction survey in the Southwest. AAA coverage includes exceptional roadside assistance, and longtime AAA members can expect extra discounts. If you’re curious about CSAA (AAA), contact the company directly for a quote.
Who it’s best for
CSAA is best for AAA members and other drivers looking for roadside assistance. It’s also a good choice for customers who can take advantage of other AAA membership perks, like discounts on travel.
5. Best for Low Mileage - Mile Auto
What We Like Most:
- Pay-per-mile insurance
- Low rates
- Online quotes
Why we chose it
Founded in 2019, Mile Auto is a relatively new insurance provider that offers pay-per-mile insurance. After Auto-Owners, Mile Auto offers the second-cheapest full and minimum coverage in the state. In particular, those who drive fewer than 10,000 miles a year can expect lower-than-average rates.
Who it’s best for
Because Mile Auto provides pay-per-mile insurance, it’s best for people who drive fewer than 10,000 miles a year. Drivers who often fall into the low-mileage category include retirees, remote workers, and stay-at-home parents.
Tucson pricing
| Mile Auto | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $94 | $56 |
| Annually | $1,128 | $672 |
| Difference from Tucson average | -47% | -38% |
Tucson Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest1 | CRASH Network Insurer Report Card2 | J.D. Power Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Auto-Owners | 634 | B | 692 | 0.93 |
| State Farm | 648 | C- | 710 | 2.13 |
| USAA | 720 | D+ | 726 | 2.81 |
| CSAA | 676 | B- | 704 | 0.98 |
| Mile Auto | Not rated | Not rated | Not rated | Not rated |
| Average | 636 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better (1 is considered average) |
*USAA is technically ineligible for J.D. Power’s studies because it is available only to military members and their families.
Cheapest Full Coverage Car Insurance in Tucson
Auto-Owners has the cheapest full coverage auto insurance in Tucson, with an average annual rate 50 percent lower than the city average. Mile Auto and Root also offer lower-than-average rates.
| Company | Annual full coverage | Monthly full coverage |
|---|---|---|
| Auto-Owners | $1,071 | $89 |
| Mile Auto | $1,128 | $94 |
| Root | $1,204 | $100 |
| State Farm | $1,408 | $117 |
| USAA | $1,554 | $130 |
| Mercury | $1,625 | $135 |
| GEICO | $1,640 | $137 |
| Progressive | $1,782 | $149 |
| Travelers | $1,788 | $149 |
| Nationwide | $2,383 | $199 |
| Allstate | $2,408 | $201 |
| Farmers | $2,753 | $229 |
| Tucson average | $2,132 | $178 |
| Arizona average | $2,398 | $200 |
| National average | $2,399 | $200 |
FYI:
Mile Auto and Root offer pay-per-mile insurance instead of traditional unlimited mileage coverage. This means they charge a base rate, with an additional rate for each mile you drive. Although pay-per-mile plans often have the lowest rates, they can be more expensive than a standard policy for people who drive a lot.
Cheapest Minimum Coverage Car Insurance in Tucson
Auto-Owners has the cheapest minimum coverage in Tucson, with an average rate 45 percent lower than the citywide average. Mile Auto and USAA offer the next-cheapest minimum coverage in the city.
| Company | Annual minimum coverage | Monthly minimum coverage |
|---|---|---|
| Auto-Owners | $597 | $50 |
| Mile Auto | $672 | $56 |
| USAA | $713 | $59 |
| Root | $736 | $61 |
| GEICO | $817 | $68 |
| State Farm | $821 | $68 |
| Travelers | $855 | $71 |
| Progressive | $887 | $74 |
| Mercury | $1,104 | $92 |
| Farmers | $1,438 | $120 |
| Nationwide | $1,495 | $125 |
| Allstate | $1,650 | $138 |
| Tucson average | $1,084 | $90 |
| Arizona average | $814 | $68 |
| National average | $635 | $53 |
How Many Car Accidents Happen in Tucson?
In 2023, 6,126 vehicle collisions were reported in Tucson, Arizona. Of these, 95 were fatal.5 Statistically, the following intersections are some of the most dangerous in the city:
- Valencia Road and Nogales Highway
- Golf Links Road and Swan Road
- Grand Road and Alvernon Way
- Golf Links Road and Craycroft Road6
Distracted driving, speeding and poor driving conditions are some of the most significant factors contributing to car accidents in the state.7
Minimum Auto Insurance Requirements in Arizona
Arizona is an at-fault state, meaning the driver who’s at fault in an accident is responsible for covering the associated costs. To drive legally in Arizona, you must carry the following liability limits:
- Bodily injury liability: $25,000 per person / $50,000 per accident
- Property damage liability: $15,000 property damage8
Because Arizona is an at-fault state, personal injury protection is not required.
FAQs
Who has the cheapest car insurance rates in Arizona?
Travelers, USAA and GEICO have the lowest average rates for minimum and full coverage auto insurance in Arizona. Travelers has the lowest average rate for full coverage ($1,520 per year, or $127 per month), and USAA has the lowest average rate for minimum coverage ($592 per year, or $49 per month).
How much is auto insurance in Tucson, Arizona?
The average cost of full coverage auto insurance in Tucson is $2,132 per year ($178 per month), and the average cost of minimum coverage is $1,084 per year ($90 per month). Tucson’s average full coverage rate is lower than the state average, while Tucson’s minimum coverage rate is higher than the state average.
Why is auto insurance so expensive in Arizona?
The cost of auto insurance varies significantly depending on where you’re located. In Arizona, repair costs, weather, and dense urban areas contribute to a higher cost of auto insurance. That said, the average cost of full coverage auto insurance in Arizona is almost exactly the same ($2,398) as — $1 lower than — the nationwide average ($2,399).
Is Allstate cheaper than GEICO?
On average across the U.S., car insurance from GEICO costs less than car insurance from Allstate. The average cost of full coverage auto insurance from GEICO in the United States is 50 percent lower than the average cost from Allstate — $1,731, compared with $2,605. GEICO is also cheaper than Allstate in Tucson and Arizona as a whole. Learn more about how Allstate compares to GEICO.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Tucson, Arizona, for good drivers with good credit. Full coverage averages used the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, BBB ratings and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage and more.
Read more about our ratings and methodology.
Staff Writer
Kate Romain combines her dedication to research with her love for writing and communications to deliver informative, comprehensive articles for those exploring insurance options. Her years of professional experience in writing and communications have well-equipped her to assist customers get the information they need to make smart insurance choices. Kate has also written for GigWolf, Boston Medical Center, and non-profit Writers Without Margins. She holds a BA in History and Politics and an MA in Creative Writing, both from the University of East Anglia.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmARIZONA MOTOR VEHICLE CRASH FACTS 2023. Arizona Department of Transportation. (2023).
https://azdot.gov/sites/default/files/2024-07/2023-Crash-Facts_0.pdfMost Dangerous Roads and Intersections in Tucson, AZ. Bleaman Law Firm. (2024, Apr 11).
https://www.bleamanlawfirm.com/blog/most-dangerous-roads-and-intersections-in-tucson-az/A Closer Look at Car Accident Statistics in Tucson. National Auto Collision Centers. (2025, Feb 28).
https://nationalautocollisioncenters.com/car-accident-statistics-tucson/Minimum Coverage Limit Effective July 1, 2020. Arizona Department of Transportation. (2025).
https://difi.az.gov/consumer/i/auto/minimum-coverage
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