Buying Auto Insurance in Tucson

Learn the ins and outs of getting car insurance in Tucson.

In Arizona, every vehicle driven on the roads must be covered by liability insurance. That includes motorcycles, mopeds, and even golf carts.

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Tucsonans spend plenty of time behind the wheel. (The average roundtrip commute takes about 45 minutes.) And when the weekend arrives, many hit the road again, whether to catch a local music festival or hike among the saguaros.

Tucson auto insurance requirements

Every state has its own auto insurance coverage requirements. In Arizona, every vehicle driven on the roads must be covered by liability insurance. That includes motorcycles, mopeds, and even golf carts. Minimum coverages are:

Keep in mind, these are just the minimum requirements in Arizona, and you can always choose to increase your coverage amounts or include additional optional coverage. 

What are the average car insurance rates in Tucson?

Tucson's car insurance rates are impacted by factors such as age and driving record. Car insurance rates in Tucson average $1,521 annually, which is $51 higher than the Arizona state average of $1,470 but $27 less than the nationwide average of $1,548.

Tucson driving statistics

Arizona’s charms—its natural beauty, sunny climate, and low cost of living—have made it a popular place to live, with more than 2 million people relocating to the Grand Canyon State since 2000. It’s no surprise, then, that the state has seen a 34 percent increase in traffic (per vehicle miles traveled) in that time. 

Tucson is now one of the 30 most congested cities in the country, according to the TomTom Traffic Index, with Tucsonans spending roughly 52 hours per year stuck in traffic. (On the upside, it’s an opportunity to catch up on your podcasts or audiobooks.)

Tucson drivers also travel some rough terrain, with 53 percent of the city’s roads in poor or mediocre condition, upping the chance of accidents. In 2020, there were 5,000 crashes in Tucson, and 18.5 percent of those collisions lead to injury.

AAA Car Insurance discounts for Tucson residents

In Tucson, you might qualify for some sweet discounts on auto insurance. Your AAA insurance agent can help you navigate options to find exceptional coverage while saving you money. 

Check out some of the AAA Auto Insurance discounts available for drivers in Tucson:

  • 5% AAA Membership discount.

  • Up to 5% Member loyalty discount.

  • Up to 5% auto insurance loyalty discount.

  • 7.5% discount when you insure multiple cars on your policy.

  • Up to 10% discount when bundled with homeowners insurance.

  • Up to 5% discount when bundled with life insurance.

  • Up to 7.8% discount when you pay your annual insurance premium in full.

  • Up to 24% discount for teen drivers who complete the AAA teenSMART program.

  • Up to 14.5% good student discount for high school or full-time college students with a verifiable GPA of 3.0 or higher.

  • Up to 30% distant student discount for drivers who are college students living more than 100 miles away from home.

  • 5% discount for defensive drivers.

  • Up to 20% discount for SMARTtrek users (based on program results).

  • Up to 5% discount for eValue (paperless billing) users.

Speak to an insurance agent to customize your coverage and maximize your savings. You don’t have to wait until you get a new car—talk to your agent anytime to see how much you can save.

How to find an agent who knows Tucson auto insurance

The award-winning insurance agents at AAA can help you find the right auto insurance for your needs. Visit the AAA Tucson West or East Location to speak to an insurance agent in person, call us at (877) 323-4222, or request a quote online to get started.

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