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.

Why Mercury?

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.
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.

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.

Tucson Car Insurance: Frequently Asked Questions

How much does car insurance cost in Tucson?

According to Value Penguin, the average cost of car insurance in Tucson is about $67 per month for minimum coverage and about $160 for full coverage.

Why is car insurance so expensive in Arizona?

Car insurance in Arizona is often expensive due to high rates of car theft, extreme weather conditions, and a significant number of uninsured drivers, leading to increased risks and claims for insurers. Additionally, rapid population growth, high accident rates, and costly vehicle repairs contribute to the higher premiums.

Does insurance follow the car or the driver in Arizona?

In Arizona, insurance generally follows the car rather than the driver. This means that if someone else drives your car with your permission and gets into an accident, your insurance policy is likely responsible for covering the damages. However, the specifics can vary, so it's important to check the details of your policy.

Is AZ a no-fault state?

No, Arizona is not a no-fault state. Arizona operates under a fault-based system, meaning the at-fault driver is responsible for paying for the damages and injuries resulting from the collision.

Does Arizona require collision coverage?

No, Arizona does not require collision coverage. The state only mandates liability insurance, which includes bodily injury and property damage liability.

What products does Mercury offer in Tucson?

Here are some of the products Mercury offers to Tucson residents: