How much is car insurance in Tucson, AZ?

Tucson, Arizona is one of the most beautiful places in the United States because of its clear atmosphere and high altitude. It’s the home of the University of Arizona and Davis-Montham Air Force Base. In 2012, the population of the area was estimated at over 900,000 people, increased from approximately 500,000 in 2010.

Car Insurance in Tucson, Arizona

Because Tucson is located 108 miles southeast of Phoenix, AZ and only 60 miles north of the U.S./Mexico border, automobile transportation is a vital part of transportation in the area. For this reason, it is necessary to comparison-shop carefully for car insurance in Arizona.

tucson-car-insuranceStatutory Limits for Financial Responsibility in Arizona

Each state in the union establishes its own laws with regard to financial responsibility. This sets the minimum coverage needed to comply with state law for licensing your vehicle. In Arizona, these basic limits are:

  • Bodily Injury Liability – pays for your legal liability if you are involved in an accident with another car – $15,000 per person up to a limit of $30,000 per accident
  • Property Damage Liability – pays for your legal liability to other for damage to their property – $10,000 per accident

Suggested Limits of Liability for Car Insurance

If you are at all aware of the costs of medical treatment after an accident and the cost of rehabilitating a car after an accident, you undoubtedly realize that the limits set statutorily in Arizona are inadequate.

The limits are so minimal that any type of lawsuit would leave you financially liable for costs above and beyond your insurance.

Add attorney’s fees, court costs, and other assessments, and you’ll agree that it is necessary to carry more insurance than this.

Recommended Limits:

  • Bodily Injury Liability – $100,000 per person up to $300,000 per accident
  • Property Damage Liability – $50,000 per accident
  • Medical Payments Coverage – $10,000 – this provides emergency medical payments for you and your family in the event of a loss
  • Uninsured Motorists Coverage – $100,000 per person/$300,000 per accident bodily injury damage; $50,000 property damage per accident for injury to you and your car if you are the victim of an uninsured motorist.

Damage to Your Car

If you have a loan on your car or want to cover it for physical damage, you need to carry comprehensive and collision coverage to reimburse you for the costs of repairing your vehicle.

  • Comprehensive coverage – fire, theft, animal damage, glass, vandalism, and weather are covered. This is less the deductible you choose – from $100 to $1,000 per accident
  • Collision coverage – pays for collision less the deductible.Sample QuotesSample quotes from two different insurance companies reflecting the limits recommended are:

Company A – $713.00 every six months
Company B – $867.00 every six months

Recognize that these quotes do not reflect your circumstances.

In order to obtain an accurate quotation, it is necessary to enter your personal information on the company’s web site and carefully compare coverage.

Tucson Car Insurance