Car Insurance in Tucson, AZ

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Mercury Car Insurance in Tucson

Whether you’re commuting through the bustling city or exploring the scenic routes of the Sonoran Desert, Mercury offers tailored car insurance policies to protect you on the road. Plus, with savings like a multi-car discount of up to 20%, a good student discount of up to 10%, and automatic payment savings of 6%, Mercury makes it easy to get quality auto insurance at an affordable rate.

Why Choose Mercury for Tucson Car Insurance?

Local expertise: With years of insuring Arizona communities, Mercury knows what Tucson drivers need. Our policies are designed to provide the best coverage for the specific driving challenges in this region.
Comprehensive coverage options: Mercury has various options to fit your needs and budget, from basic liability to full coverage. Our policies cover everything from accidents and theft to weather-related damage, which is crucial in monsoon season.
Affordable rates: We offer competitive rates and various discounts to help you save money without compromising coverage. Tucson drivers can take advantage of multi-car discounts up to 20%, a good payer discount of 5%, and up to 14% savings for paying in full. Plus, students with a “B” average or better can qualify for up to 10% off their premium.
Excellent customer service: Our local agents are always ready to help. Whether you need to file a claim or advice on your policy, you can count on us for prompt, friendly service.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Tucson?

Yes, auto insurance is mandatory for all Tucson drivers. Ensuring you have the right coverage is not only a legal requirement but also essential for your financial protection.

Legal Requirements to Drive in Tucson

According to the Arizona Department of Transportation, all drivers must carry minimum liability insurance to legally drive. This includes:

Bodily injury liability: At least $25,000 per person and $50,000 per accident.
Property damage liability: At least $15,000 per accident.

Bodily injury liability helps pay for medical expenses, lost wages, and other costs if you injure someone in an accident, while property damage liability helps pay for damage you cause to another person’s property — e.g., their vehicle, fences, or buildings.

Optional Coverages in Tucson

While the state-mandated coverages are necessary, considering additional coverages can provide extra peace of mind:

Collision protection: This coverage helps pay for repairs to your vehicle after an accident, regardless of who is at fault.
Comprehensive coverage: This covers damage to your car from non-collision events, such as theft, vandalism, or natural disasters.
Uninsured/underinsured motorist coverage: This protects you if you’re in an accident with a driver with little or no insurance.
Medical payments coverage: This helps cover medical expenses for you and your passengers after an accident.

What Does Tucson Auto Insurance Not Cover?

Understanding what your auto insurance policy doesn’t cover is just as important as knowing what it does cover. Here are some common exclusions to be aware of with your policy:

Mechanical or electrical breakdown: Insurance policies typically don’t cover mechanical or electrical breakdowns, unless they’re directly related to an accident covered by your policy.
Personal belongings: Items inside your car, such as electronics, clothing, or other personal belongings, are usually not covered by your auto insurance. For these items, you might need to look into homeowners or renters insurance.
Intentional damage: Any damage you intentionally cause to your vehicle will not be covered by your insurance.
Business use: If you use your vehicle for business purposes, such as making deliveries or transporting goods, your personal auto insurance policy may not cover you.
Racing and track use: Standard auto insurance policies don’t cover damage while participating in racing events or using your vehicle on a racetrack.

How to Get Car Insurance in Tucson, AZ

Finding the best car insurance doesn’t have to be a hassle. Visit our Arizona Insurance Agents page to find an agent near you. Compare quotes to find the right coverage that fits your needs and budget, and drive confidently through Tucson knowing you’re getting the best deal with Mercury.

Start Your Online Quote Today!

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Rush hour traffic jam and cityscape skyline in Arizona

Get Cheap Auto Insurance in Tucson from Mercury

Finding affordable auto insurance in Tucson is easy with Mercury. We offer various ways to save while still providing excellent coverage and service.

Save More with Discounts

At Mercury, we believe in rewarding safe and responsible drivers. Here are some of the discounts we offer to help you save more on your auto insurance:

Safe driver discount: If you have a clean driving record, you can qualify for lower rates.
Multi-car discount: Insure more than one vehicle with Mercury and save on your premiums.
Good student discount: Students with good grades can benefit from reduced rates.
Anti-theft feature discount: Installing an anti-theft device in your vehicle can earn you a discount.

These are just a few of the discounts available. Talk to a Mercury agent to see what discounts you qualify for and how much you can save.

Bundling with Mercury

For even greater savings, consider bundling your auto policy with home or renters insurance. You not only save money but also simplify your insurance management by having all your coverage with one trusted provider:

Tucson home insurance: Protect your home from unexpected events like fire, theft, and natural disasters with our comprehensive home insurance.
Tucson renters insurance: Enjoy peace of mind with coverage for personal belongings, liability, and additional living expenses in case of a covered loss.

The connection of two major Arizona freeways in the area shot via helicopter from an altitude of about 1000 feet.

Top Rated Auto Insurance in Tucson, AZ

At Mercury, we’re committed to providing affordable, reliable, and highly rated auto insurance to Tucson drivers. Our customers trust us for competitive rates, excellent coverage options, and exceptional customer service.

Read our customer reviews and see why so many drivers choose Mercury!