For a 40-year-old driver with a clean record, Tucson car insurance averages about $191 a month ($2,288 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 7% below the Arizona average of $206 a month. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $153 a month.
Tucson is the least expensive of the seven Arizona cities we publish guides for. Our benchmark driver pays about $15 a month less here than the state average and about $61 a month less than in Phoenix.
Our data covers 29 ZIP codes with a Tucson mailing address, from about $172 a month in 85755 to $207 in 85735.
Cost data comes from the auto rates insurers file with state regulators, priced across all 29 Tucson ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Tucson averages $2,288 a year, or about $191 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $892 a year ($74 a month), and 50/100/50 liability with comprehensive and collision averages $2,046 ($171 a month).
Progressive has the lowest full-coverage average among the three insurers in our Tucson rate data. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts Progressive first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these three insurers, at about $57 a month, followed by GEICO at $69.
Full-coverage averages by insurer in Tucson
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $684 | $57 | $1,837 | $153 |
| GEICO | $822 | $69 | $1,895 | $158 |
| Allstate | $1,171 | $98 | $3,133 | $261 |
| State Farm (Nov. 2025 rates)* | $929 | $77 | $2,840 | $237 |
| Travelers* | $787 | $66 | $1,809 | $151 |
| USAA (military families)* | $731 | $61 | $1,955 | $163 |
| Auto-Owners* | $834 | $70 | $2,120 | $177 |
| Nationwide* | $1,659 | $138 | $2,430 | $203 |
| Tucson average | $892 | $74 | $2,288 | $191 |
This table uses Tucson ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Across the 29 Tucson ZIP codes we price, full coverage for our driver ranges from about $172 a month in 85755 to $207 in 85735, a gap of $423 a year. Northern ZIP codes around Oro Valley, such as 85737 and 85755, are the least expensive in our data, and south and southwest Tucson ZIP codes such as 85706, 85735 and 85757 are the most expensive.
Lowest-priced Tucson ZIP codes
Highest-priced Tucson ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Tucson’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 85701 | $904 | $75 | $2,373 | $198 | +4% |
| 85704 | $865 | $72 | $2,156 | $180 | -6% |
| 85705 | $928 | $77 | $2,392 | $199 | +4% |
| 85706 | $922 | $77 | $2,451 | $204 | +7% |
| 85710 | $897 | $75 | $2,266 | $189 | -1% |
| 85711 | $902 | $75 | $2,287 | $191 | About average |
| 85712 | $912 | $76 | $2,291 | $191 | About average |
| 85713 | $923 | $77 | $2,419 | $202 | +6% |
| 85714 | $914 | $76 | $2,421 | $202 | +6% |
| 85715 | $906 | $76 | $2,267 | $189 | -1% |
| 85716 | $908 | $76 | $2,315 | $193 | +1% |
| 85718 | $878 | $73 | $2,203 | $184 | -4% |
| 85719 | $912 | $76 | $2,335 | $195 | +2% |
| 85730 | $908 | $76 | $2,306 | $192 | +1% |
| 85735 | $953 | $79 | $2,483 | $207 | +8% |
| 85737 | $826 | $69 | $2,082 | $174 | -9% |
| 85739 | $831 | $69 | $2,099 | $175 | -8% |
| 85741 | $875 | $73 | $2,222 | $185 | -3% |
| 85742 | $885 | $74 | $2,181 | $182 | -5% |
| 85743 | $901 | $75 | $2,313 | $193 | +1% |
| 85745 | $911 | $76 | $2,371 | $198 | +4% |
| 85746 | $907 | $76 | $2,425 | $202 | +6% |
| 85747 | $870 | $73 | $2,243 | $187 | -2% |
| 85748 | $857 | $71 | $2,190 | $183 | -4% |
| 85749 | $851 | $71 | $2,166 | $181 | -5% |
| 85750 | $880 | $73 | $2,206 | $184 | -4% |
| 85755 | $820 | $68 | $2,060 | $172 | -10% |
| 85756 | $910 | $76 | $2,387 | $199 | +4% |
| 85757 | $915 | $76 | $2,452 | $204 | +7% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $242 a year on average in our Tucson data, with the same $500 deductibles. That’s about $20 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Tucson ZIP codes, full coverage averaged $2,389 a year nine months earlier and $2,288 in rates as of Aug. 31, 2026, a 4.2% drop. Progressive cut its Tucson average 17.5%, while Allstate raised its average 2.9%; GEICO’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits fell 0.1%, led by Progressive, which cut its liability-only average 7.6%.
Pima County averages about $189 a month for full coverage, well below Maricopa County ($227) and Pinal County ($197).
Towns around Tucson cost less than the city: Green Valley averages about $162 a month, Sahuarita $174, Vail $182 and Marana $185. Prices vary by ZIP code in our Arizona data, so neighboring cities can be priced differently.
More Arizona cities and towns are in the Arizona rates by city table, and you can compare states on our car insurance rates by state page.
Chandler, about 90 miles northwest, averages $203 a month, and Phoenix, about 105 miles northwest, $252. Scottsdale averages $198.
Drivers in Tucson follow Arizona’s rules. Every policy must include at least:
Insurers must offer uninsured and underinsured motorist coverage in writing, but you can turn it down. Our Arizona requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Arizona law and the Arizona Department of Insurance and Financial Institutions. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Tucson averages about $191 a month ($2,288 a year) and liability-only coverage at 15/30/10 limits about $74 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 7% below the Arizona average of $206 a month.
Progressive has the lowest full-coverage average in our Tucson rate data, at about $153 a month, with GEICO close behind at $158. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average, at about $57 a month. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Tucson, for our benchmark driver. Tucson full coverage averages about $191 a month and Phoenix about $252, a difference of about $61 a month for the same driver and car.
In our data, 85755 has the lowest full-coverage average in Tucson, at about $172 a month, and 85735 the highest, at about $207. The ZIP code table on this page lists all 29.
In our Tucson data, full coverage (100/300/100 with $500 deductibles) averages about $191 a month and liability-only coverage at 15/30/10 limits about $74, a difference of about $117 a month ($1,396 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Arizona law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Tucson full coverage fell 4.2% over the past nine months, from about $2,389 to $2,288 a year. Progressive cut its Tucson average 17.5%, while Allstate raised its average 2.9%. Liability-only coverage at 15/30/10 limits fell 0.1%.
For our benchmark driver, full coverage in Tucson averages about $191 a month. Nearby, Chandler averages about $203, Gilbert about $206 and Mesa about $210. Tucson is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
