Best Cheap Car Insurance in Tucson, Arizona

• 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.

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.

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.

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 good service. 

State Farm

• Why we chose it: State Farm has cheaper-than-average rates for both full and minimum coverage, and it’s well known for its 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. 

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. 

*USAA is technically ineligible for J.D. Power’s studies because it is available only to military members and their families. 

Honorable Mentions

CSAA (AAA)

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.

Mile Auto

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, and those who drive fewer than 10,000 miles a year can expect lower-than-average rates.

In 2023, 6,126 vehicle collisions were reported in Tucson, Arizona. Of these, 95 were fatal.⁴ 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 Road⁵

Distracted driving, speeding and poor driving conditions are some of the most significant factors contributing to car accidents in the state.⁶

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 damage⁷

Because Arizona is an at-fault state, personal injury protection is not required.

We analyzed average full and minimum coverage rates in Tucson for drivers with strong credit and a clean driving record. For the full coverage average, the following limits apply:

• 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

We assess customer satisfaction and claims practices through third-party sources such as J.D. Power, CRASH Network and the NAIC.