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Oakley Insurance Group

7040 N Oracle Road
Tucson, Arizona 85704

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Arizona Autoowners with auto insurance coverage

Auto Insurance in Arizona

Like the 38 other at-fault states, Arizona holds the driver who caused the accident financially responsible for any property damage, medical bills, lost wages, or additional associated costs suffered by the other driver. The minimum amount of acceptable coverage consists of $25,000 for bodily injury to one person and $50,000 for injuries to two or more persons, plus $15,000 for property damage in a single accident. Our highly-qualified agents at Oakley Insurance Group in Tucson, AZ, will help you find the right policy for your needs at a price you can afford.

How Does My Zip Code Affect My Insurance Rate?

As recently as 2019, 12 percent of Arizona drivers failed to carry auto insurance, making Arizona rates higher than in other states. Fortunately, drivers in Tucson, AZ, pay approximately $300 less per year than they would in Phoenix or Glendale, the two most expensive Arizona cities. However, these savings may drop soon since auto thefts have increased in Tucson.

If you do not yet own a car, our agents at Oakley Insurance Group can advise you on which cars have the worst theft rates. We will also guide you toward cars and trucks with active and passive anti-theft technology.

What Effect Do Crash Statistics Have on Insurance Rates?

Pima County had 8841 crashes that caused 162 deaths and 4267 injuries in 2020, while Phoenix had 71,611 accidents, 492 deaths, and 28.855 injuries. This difference in total accidents and fatalities contributes to lower average insurance rates in Tucson.

Weather Effects on Car Insurance Rates

Despite Arizona's "stupid motorist" law, Tucson area drivers insist on driving through August floodwaters and dust storms in June and July, resulting in rear-end collisions. Damage during recovery and towing include detached bumpers, bent frames, or smashed fenders. In addition, Arizona heat causes engine fires and tire failure.

Allow our Oakley Insurance Group agents in Tucson, AZ advise you on the correct coverage for your auto insurance needs.

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Partner Carriers

  • Aegis
  • Aetna
  • Ambetter
  • American Reliable
  • American Summit
  • Blue Cross
  • Bright Health
  • Cigna
  • C.N.A
  • Distinguished Insurance
  • Employers
  • Encompass
  • Foremost
  • Hiscox
  • Humana
  • Main Street America
  • Mercury