Car Insurance in Tucson
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Driving in Tucson, AZ
Tucson is a mid-sized city surrounded by the Sonoran desert. Residents can take a scenic drive through the two sections of Saguaro National Park that surround the city or stay within city limits for amazing adventures at the Pima Air & Space Museum.
Approximately 204,400 workers live and work in Tucson. Still, the city's population increases by more than 57,000 people each day due to the influx of commuters. The average one-way commute time in Tucson is 22.3 minutes. which is slightly lower than the national average.
In addition to passenger cars, Tucson residents have a variety of public transportation options. Sun Tran and Sun Express bus routes, Sun Link streetcar and the Sun on Demand curbside shuttle all provide free transportation options throughout the city. Tucson also has an Amtrak station for regional trips.
Drivers who head out in a personal car can save on car insurance in Tucson by comparing rates with VIU by HUB.
Choosing Car Insurance in Tucson
When selecting car insurance in Tucson, drivers must take several things into consideration. One of those is required state minimums for liability insurance. State regulations mandate 25/50/25 coverage. which means that each policy must provide at least the following amount of liability insurance:
- $25,000 per person
- $50,000 per accident
- $15,000 property damage per accident
Uninsured and underinsured motorist coverage equal to liability limits is also required. Liability insurance pays for costs associated with bodily injury or death to others in an accident. Property damage pays for damages to other's personal property.
Tucson area drivers can choose these minimum levels of coverage or a higher liability-only policy. However, this insurance only pays for damages to others. With liability-only insurance, if you are in an accident and your car is damaged or if you hit a deer, you will have to pay for repairs out of pocket. A full-coverage policy that pays for these repairs must include collision and comprehensive coverage.
Collision insurance covers repairs to your car after an accident. Unlike with liability, you don't select coverage limits; they are based on the car's value. You can customize the policy by selecting a deductible you are comfortable with.
Comprehensive insurance pays for damages for many non-accident occurrences. This might include a tree falling on your car, flooding or theft. Another thing many Tucson drivers want to think about is glass coverage. Arizona allows drivers to select full-glass coverage as part of their comprehensive insurance. This means you won't have to pay the deductible for glass repairs or replacements.
Understanding Tucson Car Insurance Costs
Arizona car insurance rates are moderate compared to the rest of the country. Statewide averages for full coverage are $1,078 per year, or $90 per month in 2023. Tucson rates are just slightly higher at $1,087, while a liability-only plan in the city will cost you about $523.
Average rates are for a specific driver profile, so you may pay more or less depending on factors such as your age, type of car and driving history. Comparing quotes is a great way to look at policies side-by-side. It's also a good idea to look into discounts you might qualify for.
Shop with VIU by HUB to compare quotes and find car insurance in Tucson that fits your coverage needs and budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.