Finding Auto Insurance in Tuscon

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Here's what you need to know...
  • Tucson has to abide by Arizona state law car insurance requirements
  • Tucson has a rich history
  • It is now a booming area
  • Hundreds of companies and agents are ready to help you find insurance in Tucson


There are two different car insurance rates that are often used when discussing Tucson car insurance:
  1. Your total premium which may be discussed using a monthly or annual figure
  2. Liability insurance alone. This will be much lower.

Be sure to compare these rates judiciously.

With our FREE ZIP code search, we will compare car insurance companies and find affordable car insurance for you!

Here are a few examples of Tucson car insurance rates:

  • The annual average auto insurance premium in Tucson is about $1,514.
  • The annual average car insurance premium in Arizona is about $993.
  • The annual average premium in the county where Tucson is located is about $1,507.
  • The annual average car insurance premium nationwide is about $1,414.

Tucson Drivers

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The most recent records provided by the state are for 2009. Most accidents decreased in numbers over the year 2008. This doesn’t mean that it is safer now in Tucson.

One should compare accident statistics to help them estimate possible car insurance rates. These numbers fluctuate year to year, sometimes drastically, based upon mostly uncontrollable circumstances.

When fuel prices skyrocket, there are fewer drivers on the road, so accidents go down.

When the economy is bad, there are more thefts.

Here are some statistics concerning crashes in Arizona.

  • There is roughly 51 percent female drivers in Tucson and 49 percent males.
  • About 75 percent of the crashes were the fault of a male and 25 percent for females.
  • The average speed at the time of a crash was 40 mph.

Know the Particulars

Tucson is a booming area. If you are one of the new inhabitants looking for Tucson car insurance or a long-time resident, the game is the same. The rates often change and new deals come and go depending upon your particulars:

  • Are you married or single?
  • What is your age?
  • What about your driving record?
  • What type of car do you drive?

All these factors and more will affect the policy type and rate you will pay. We can help you find different types of car insurance based on your needs!

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Shopping with Scrutiny

Finding insurance is not a matter of buying insurance at the first place you check. There are many companies and agencies that will make insurance available to you.

Your job will be to shop around and see what is available, all the while making sure the car insurance quotes you get are tailored to your specific situation.

Once you have an idea about what the proper range is for your specific needs, you can begin to decide which policy is best for you. But, not until you take the time to do a proper search and comparison will you know.

Tucson Car Insurance Requirements at a Glance

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Vehicles operated on the roads in Arizona require some form of financial responsibility. This includes motorcycles, mopeds, and even golf carts. There are a lot of golf carts in this part of the world.

The state sets the car insurance rules for Tucson car insurance. The minimum coverage for car insurance is:

  • $15,000 to cover a single person
  • $30,000 to cover two or more persons
  • $10,000 to cover destruction of property

A police officer may ask you for proof of Tucson car insurance if you are stopped or involved in an accident. You must produce proof of financial responsibility.

If you are not insured, you may face suspension of your registration and suspension of your license.

To reinstate these will take time and money and perhaps even some aggravation, so be sure to comply.

You may not drive on the roads without proper insurance. There is no grace period when you first buy your new car or a used car changes hands.

Tucson History

Tucson, Arizona has a very colorful past. Of course, being in North America, it was populated by Native Americans for most of the time. When the European settlers came from the east, battles began over who might control the area.

For quite some time, the Apache tribe fought for the area, and then it was given to Mexico as part of an arrangement. Finally, around 1850, Tucson became part of the United States.

Obviously, Arizona auto policies were not at the top of Tucson’s early inhabitants, but that changed after car insurance requirements were enforced!

Modern Day Tucson

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As of today, the population is about 520,000 and the greater metropolitan area has over one million inhabitants. The climate in Tucson is a desert climate with very hot summers and temperate winters.

During the monsoon season, flash flooding is common and a law was passed to prevent people from going around barricades with their cars. Some do and end up stuck in the water or even drowning.

Tucson has a thriving tourism industry that brings in about $2 billion per year and roughly 3.5 million visitors to resorts and other attractions.

Pertinent Requirements

State car insurance laws vary between states. Tucson car insurance rules and regulations are unique to the Arizona Department of Transportation. Here are some key points to remember:

  • You are required to have insurance to operate a vehicle.
  • Out of state insurance is not valid on cars registered in Arizona.
  • There is no grace period; you must have insurance before you drive a car.
  • There is a $50 fee to reinstate a suspended registration.
  • It may take at least one day to reinstate your registration.
  • If your license is suspended in Arizona, it may prevent you from getting a license in another state.

Major Carriers

In some states, there are over a hundred car insurance companies. Tucson has many as well. Here is a short list to help you get a start:

  • Allstate Insurance
  • American Family Insurance
  • Farmers Insurance
  • Geico
  • Progressive Insurance
  • State Farm Insurance

Check out our Top Companies List to see where your current company ranks!

Actuarial Tables

People at table go over graph.

Each of the above companies puts together packages or policies based upon actuarial tables that provide information about risk. Some of the policies offered may be just the right fit for you, and some may not.

Be careful to evaluate and record quotes from Tucson car insurance companies to get the right data for a comparison. All Tucson car insurance companies are not equal in what they have to offer.

Some will focus on policies for elderly drivers and some will not. Some will specialize in just students and some will not. It is important to know what kind of a package you are being offered so you can make a good decision.

Tucson Car Insurance Agents and Agencies

Tucson car insurance agents can be found by the hundreds. A simple search can help you find more agents than you have time to meet. These agents are all paid on commission to sell you insurance so they can make a living.

Sometimes, the agent may not have or be aware of the best policy for you. Instead of turning away business, most agents will find the best fit that they can and offer that. It is your responsibility to know if the offer is a good one or not.

Do this by getting quotes from several different sources and compare them with our ZIP code search. Know about your options for increased liability insurance or comprehensive and collision.

There are many options to your policy and this will reflect on the quotes being somewhat diverse in price and coverage.

The better you know how insurance works, the better chance you have to save money and get a policy that is right for you. When getting quotes for Tucson car insurance, be sure the quote is tailored for you specifically.

Insurance Rate Factors

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Look at some of the car insurance rate factors that will impact your insurance premium:

  • Your Age
  • Your Credit Standing
  • Your Driving Safety Record
  • Being Married
  • Gender
  • Where you Live in the City
  • The Type of Vehicle you Drive
  • Your Driving Habits

Things to Remember for Tucson

When looking at all these factors, it can get a bit confusing. There are many more factors which may or may not affect your particular policy. This depends on the insurance company and the agent and the actuarial tables.

It is up to you to know what is out there by doing some comparison shopping. Don’t settle for the first quote you get because the agent seemed like a nice guy. Most good salespeople are nice, but what they have to offer you may not be the best car insurance deal for you.

After shopping around and getting to know the market, select a policy that gives you the coverage you want at a fair price. This will help you to drive easy and enjoy the road.

Let us compare car insurance companies and find cheap car insurance that will save your car and your wallet! We are here to help and are waiting for you to enter your ZIP code below!

FREE Car Insurance Comparison

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