Cheap Car Insurance in Tucson

Written by Xuyun Zeng and 1 other

Updated Nov 5, 2025

Cheap Car Insurance in Tucson

Tucson drivers can find affordable car insurance, but it’s wise to shop around to find the best coverage at the lowest rate.

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Written by Xuyun Zeng and 1 other

Updated Nov 5, 2025

With monsoons, dust storms and extreme heat that can cause tire blowouts, there’s no shortage potential weather hazards in Tucson. Drivers there may also encounter animals, like javelinas and coyotes, which can be especially hazardous for nighttime driving. These are all good reasons to carry solid car insurance as a Tucson driver, but robust coverage doesn’t mean you can’t get an affordable rate.

To help you explore coverage options, we’ve gathered data from Jerry customers in Tucson to give you a sense of what pricing to expect and how it can vary by your location within the city, driving history and coverage needs.

More: Best car insurance companies

Cheapest minimum coverage insurance in Tucson

Here are Arizona’s minimum auto insurance requirements:

$25,000 for bodily injury per person in an accident.
$50,000 for bodily injury to two or more people in an accident.
$15,000 for damage to other peoples’ property.

These are some of the cheapest car insurance quotes that Jerry customers in Tucson have received for minimum coverage.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$23	$275	64	09/05/25	85745
$26	$317	66	07/18/25	85706
$27	$329	43	06/21/25	85746
$32	$379	33	09/02/25	85701
$34	$404	40	06/18/25	85713
$36	$434	37	06/15/25	85706
$37	$439	39	06/16/25	85710
$38	$451	44	06/23/25	85730
$38	$461	44	06/23/25	85713
$39	$463	74	09/30/25	85710

Last Updated October 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Tucson

Full coverage helps to pay for repairs after an accident and can protect you if your car is damaged by weather, animal collisions or if it’s stolen.

Here are the cheapest quotes Tucsonans have received via Jerry for full coverage insurance.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$41	$497	37	06/13/25	85719
$50	$599	41	06/19/25	85711
$52	$627	44	06/26/25	85718
$52	$629	37	07/21/25	85710
$55	$656	46	09/14/25	85743
$55	$663	63	09/06/25	85741
$56	$669	44	06/22/25	85711
$57	$681	40	06/18/25	85742
$59	$707	40	06/18/25	85756
$59	$711	45	09/16/25	85705

Last Updated October 2025

Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

35-45 years old.
Clean driving record.
$50,000 in bodily injury liability, per person.
$100,000 in bodily injury liability, per accident.
$1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance for young drivers in Tucson (18-29 years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$65	$777	25	No	10/11/25	85719
$67	$801	27	No	09/22/25	85705
$67	$804	26	No	05/11/25	85704
$67	$807	27	Yes	09/11/25	85745
$68	$811	25	No	09/05/25	85710
$55	$663	63		09/06/25	85741
$56	$669	44		06/22/25	85711
$57	$681	40		06/18/25	85742
$59	$707	40		06/18/25	85756
$59	$711	45		09/16/25	85705

Last Updated October 2025

More: Cheapest car insurance in Arizona

Cheapest car insurance for mature drivers in Tucson (30-54 years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$25	$299	43	No	06/24/25	85713
$32	$380	43	No	09/20/25	85756
$33	$397	43	No	07/20/25	85706
$36	$426	48	No	10/11/25	85716
$36	$431	51	No	10/31/25	85730
$55	$663	63		09/06/25	85741
$56	$669	44		06/22/25	85711
$57	$681	40		06/18/25	85742
$59	$707	40		06/18/25	85756
$59	$711	45		09/16/25	85705

Last Updated Nov. 5, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$41	$495	58	No	10/29/25	85716
$46	$547	63	No	06/20/25	85741
$48	$581	73	No	10/01/25	85715
$49	$586	55	No	10/01/25	85741
$49	$587	61	No	09/10/25	85743
$55	$663	63		09/06/25	85741
$56	$669	44		06/22/25	85711
$57	$681	40		06/18/25	85742
$59	$707	40		06/18/25	85756
$59	$711	45		09/16/25	85705

Last Updated Nov. 5, 2025

Cheapest car insurance for drivers with clean records in Tucson

A spotless driving record will typically get you the lowest rates. Here are some of the cheapest quotes that Jerry customers with a clean record in Tucson have received.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	Has Full Coverage	ZIP Code

$23	$275	64	09/05/25	No	85745
$26	$317	66	07/18/25	No	85706
$32	$379	33	09/02/25	No	85701
$34	$404	40	06/18/25	No	85713
$37	$439	39	06/16/25	No	85710
$38	$461	44	06/23/25	No	85713
$39	$463	74	09/30/25	No	85710
$40	$481	38	08/23/25	No	85705
$41	$497	37	06/13/25	Yes	85719
$42	$500	42	06/20/25	No	85730

Last Updated October 2025

Cheapest car insurance for drivers with low credit scores in Tucson

A credit score below 550 is likely to raise your premium costs, meaning you may have to do extra comparison shopping to find a low rate. Here are quotes from real Jerry customers in Tucson with low credit scores.

Credit Score	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Monthly Quote	Annual Quote	Age	Date of Policy	ZIP Code

<550	$53	$632	45	08/20/25	85746
<550	$60	$719	34	08/01/25	85719
<550	$64	$769	42	12/26/24	85705
<550	$66	$798	48	07/29/25	85706
<550	$68	$821	44	06/09/25	85746
	$38	$461	44		85713
	$39	$463	74		85710
	$40	$481	38		85705
	$41	$497	37		85719
	$42	$500	42		85730

Last Updated Nov. 6, 2025

Cheapest car insurance for drivers with at-fault accidents in Tucson

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$39	$471	30	No	09/19/25	85743
At Fault With No Injury	$41	$495	39	No	09/18/25	85736
At Fault With No Injury	$49	$589	65	No	08/10/25	85730
At Fault With No Injury	$51	$611	63	No	06/16/25	85746
At Fault With No Injury	$53	$639	83	Yes	03/06/25	85745
	$38	$461	44	No		85713
	$39	$463	74	No		85710
	$40	$481	38	No		85705
	$41	$497	37	Yes		85719
	$42	$500	42	No		85730

Last Updated October 2025

Cheapest car insurance for drivers with speeding tickets in Tucson

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

Speeding under 15	$43	$517	42	06/20/25	85748
Speeding over 15	$51	$607	43	06/22/25	85713
Speeding over 15	$59	$706	29	07/24/25	85735
Speeding over 15	$59	$708	31	07/22/25	85730
Speeding over 15	$73	$871	57	08/19/25	85745
	$38	$461	44	06/23/25	85713
	$39	$463	74	09/30/25	85710
	$40	$481	38	08/23/25	85705
	$41	$497	37	06/13/25	85719
	$42	$500	42	06/20/25	85730

Last Updated October 2025

Cheapest car insurance for drivers with DUIs in Tucson

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

DUI	$78	$939	39	06/06/25	85711
DUI	$91	$1,097	28	09/02/25	85748
DUI	$137	$1,639	43	08/04/25	85712
DUI	$139	$1,663	55	10/03/25	85745
DUI	$172	$2,062	35	05/12/25	85739
	$38	$461	44	06/23/25	85713
	$39	$463	74	09/30/25	85710
	$40	$481	38	08/23/25	85705
	$41	$497	37	06/13/25	85719
	$42	$500	42	06/20/25	85730

Last Updated October 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.