{"id":664,"date":"2022-09-07T16:20:00","date_gmt":"2022-09-07T15:20:00","guid":{"rendered":"https:\/\/www.oasisinsurance.com\/blog\/?p=664"},"modified":"2022-09-07T16:20:06","modified_gmt":"2022-09-07T15:20:06","slug":"car-insurance-for-teens-in-tucson-az","status":"publish","type":"post","link":"https:\/\/www.oasisinsurance.com\/blog\/car-insurance-for-teens-in-tucson-az\/","title":{"rendered":"What Teenagers (and Their Parents) in Tucson, AZ Need to Know About Car Insurance\u00a0"},"content":{"rendered":"\n

Getting a driver\u2019s license marks a life milestone for many teenagers. But having a license and car also means needing car insurance<\/a> to protect new drivers on the road and follow the law. But auto insurance for young drivers is expensive. Before you buy a policy, you should know what kind of insurance to get, what it covers, what factors impact your premium and how to find cheap car insurance quotes for teens. Here\u2019s what you need to know about buying car insurance for teens in Tucson, Arizona. <\/p>\n\n\n\n

Why Is Arizona Car Insurance Important for Teenage Drivers?\u00a0<\/h2>\n\n\n\n

New drivers, including teenagers, are at a higher risk of being involved in accidents on the road. It takes time to get used to handling a vehicle properly, even after practicing with a learner\u2019s permit and passing a driving test. Their newfound freedom behind the wheel may lead to reckless or distracted driving<\/a>, which can cause collisions and put the driver, passengers, and others on the road at risk. <\/p>\n\n\n\n

Teenage drivers are more likely to get in accidents than drivers aged 20 or older. Car insurance protects you and your teen in the event of a crash. It helps you avoid paying out of pocket if your teen is at fault for an accident. It also covers damage to your teen\u2019s vehicle \u2013 or the family\u2019s vehicle – if something happens to it. <\/p>\n\n\n\n

Car insurance in Arizona gives your teenage driver financial protection if they need to pay for medical expenses, repairs, legal fees, and more after an accident. A collision may sometimes put them out of work for a while due to injury. Plus, their costs may jump even higher if they have an injured passenger. Often, the expenses related to damage from collisions are too high for most teenagers to pay out of pocket. <\/p>\n\n\n\n

Along with the personal benefits of insuring your teen\u2019s vehicle, Arizona law requires teens to have auto insurance<\/a>. Going without it is a civil offense, and as a parent, you have joint liability for any accidents caused by your teen. Therefore, getting a good insurance policy protects you,\u202ftoo. <\/p>\n\n\n\n

How Much is Auto Insurance for Teens in Tucson?\u00a0<\/h2>\n\n\n\n

Because teen drivers fall into what is known as a high-risk driver category, their monthly average car insurance rate in Tucson is $227 in 2022 for just the required liability insurance and $638 in 2022 for full coverage insurance. Here are some average monthly comparisons based on age for Tucson car insurance: <\/p>\n\n\n\n

Age<\/strong> <\/td>Full Coverage Insurance<\/strong> <\/td>Liability Only Insurance<\/strong> <\/td><\/tr>
18 <\/td>$638 <\/td>$227 <\/td><\/tr>
23 <\/td>$220 <\/td>$76 <\/td><\/tr>
30 <\/td>$163 <\/td>$54 <\/td><\/tr>
40 <\/td>$160 <\/td>$54 <\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Our \u201caverage\u201d rates are based in the 85701 zip code. We searched for male drivers in a fairly average car, such as a Toyota Corolla or Honda. Your rates will differ based on a variety of factors, such as location and type of car. However, you can clearly see that as a young driver ages, their insurance rates go down \u2013 that is if they keep a clean driving record throughout. <\/p>\n\n\n\n

What Car Insurance Coverage is Needed for Teen Drivers in Tucson, Arizona?\u00a0<\/h2>\n\n\n\n

At a minimum, the state-required liability insurance. In Arizona, this means a policy with coverage limits of at least:  <\/p>\n\n\n\n