Drivers In Arizona must carry liability insurance with at least these minimum limits if they want to hit the highways legally:
•$ 25,000 of bodily injury liability per person.
•$ 50,000 of bodily injury liability per incident.
•$ 15,000 of property damage liability per incident.

Liability coverage financially protects you by helping to pay the other driver’s medical bills and property damage expenses if you’re found at fault in an incident. You can always get higher limits if you want additional financial protection in the event of a claim.

Quick Tip.

Multi-Policy discount.
If you insure your home or motorcycle with auto insurance Tucson in addition to your car, you can score some significant savings.

Additional overages can help weather in extra protection if life ever takes a turn for the worse. We also know it can be difficult to narrow down which overages feel like the right fit for you and your family. It will help you prioritize coverage options based on the info you provide during your quote. It’s just another way we’re committed to making the insurance process smarter and tailored to you.

Some of the optional protections we offer Tucson motorists include:

Towing and labor.
We know the Grand Canyon State’s “dry heat” is a good thing, but it still means harsh conditions for a lot of vehicles. Towing and labor steps in to help pay for things like mechanical breakdowns, dead batteries, fluid fill-ups, lockout, and more.

Comprehensive and collision.
While comprehensive coverage helps pay for incidents outside of your control (like theft, vandalism, a run-in with a deer, etc.), collision coverage helps repair or replace your car when you’re found at fault in an accident.

Uninsured/under-insured motorist bodily injury.
If you’re ever involved in an accident with an uninsured driver– or with a driver who doesn’t have enough liability coverage to fully pay for your damages– this coverage can help pay for accident-related medical bills for you and your passengers.

And we’ve got plenty more protection options that will have you yelling “whoop whoop!” If you have questions or want additional information about overages, feel free to give us a ring.

What affect your car insurance rates in Tucson?

Where you live in Tucson affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you’ll pay. The reason? Crime, theft, and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others,

car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately, Tucson is no exception to the rule.

If you live in a densely populated area, with a high number of auto insurance claims, your premium will be more expensive than that of a person living in a less dense and less claim-laden part of town. Even if you haven’t filed any claims, you could pay more based solely on your neighborhood.

Unless you’re a teen driver, your gender isn’t a significant auto insurance rating factor. In fact, the national difference between car insurance premiums paid by women and men is less than 2%. For teenagers, this premium difference is much more dramatic: male teen drivers pay $1,200 more per year than do female teens. Again, this comes back to the main goal of an insurance company– anticipating and limiting exposure to risk.

Car insurance companies’ historical data says young male drivers are more likely to take risks while driving than are female drivers in the same age group.
Your chances of getting cheap auto insurance quotes increases once you turn 19, and again at 25, as you become less likely to drive recklessly. This remains consistent until you get into your 60s when rates start to go up again.

Here’s a sample premium by age group for a 6/months premium.