On our hunt to find the best car insurance in Arizona, we looked at several different companies and compared their rates, coverages, discounts, customer satisfaction and more. While the state’s insurance rates are on par with the national average, you can find companies that offer great service and coverage at affordable rates. Based on our research, the best car insurance companies in Arizona are State Farm, Allstate, Progressive, Farmers, and USAA. Some of the top picks for Arizona also were included in our national list of best car insurance companies.
Compare the Best Car Insurance Companies in Arizona
| Average Price for State Minimum* | Average Price for Full Coverage* | Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|---|
| Pin State Farm | $1,715.17 | $2,343.87 | 4.4/5 | A++ | 826/1,000 | |
| Pin Allstate | $962.65 | $3,253.32 | 4.4/5 | A+ | 830/1,000 | |
| Pin Progressive | $804.94 | $2,757.90 | 4.2/5 | A+ | 803/1,000 | |
| Pin Farmers | $957.63 | $2,796.34 | 4/5 | A | 823/1,000 | |
| Pin USAA | $782.21 | $2,448.40 | 4.8/5 | A++ | 876/1,000 |
Information accurate as of 11/17/2020
* Data provided by Coverage.com
Best for coverage options
Why we chose it
Pros
- Many coverage options
- Above-average claims satisfaction
Cons
- High premiums for Arizona drivers
- Below-average customer satisfaction
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Rental and travel expense
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Rideshare driver
Discounts Available
- Drivewise
- Steer Clear
- Accident-free
- Defensive driving
- Student discounts
- Driver training
- Good driving
- Vehicle safety features
- Multi-car
- Multiple-policy
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.
Further Reading on State Farm
Best for customer satisfaction
Why we chose it
Pros
- Excellent customer satisfaction
- Many digital tools and resources
Cons
- Below-average claims satisfaction
- Few discounts available
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Uninsured & underinsured motorist
- Sound system
- Roadside assistance
- Personal injury protection
- Personal umbrella
- Rental reimbursement
Discounts Available
- Vehicle safety
- Multi-policy
- Early signing
- Responsible payer
- Smart student
- New car
- Auto-pay
- Paperless billing
- Full pay
- Safe driving
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.
Further Reading on Allstate
Best for low prices
Why we chose it
Pros
- Low annual premiums
- Many discounts available
- Lots of coverage options
Cons
- Bottom of the list for customer satisfaction
- Discounts aren’t available in all states
Types of Coverage Offered
- Liability
- Comprehensive
- Collision
- Uninsured & underinsured motorist
- Medical payments
- Roadside assistance
- Loan/lease payoff
- Rental car reimbursement
- Customer parts and equipment value
- Rideshare coverage
- Deductible savings bank
Discounts Available
- Multi-policy
- Multi-car
- Continuous insurance
- Safe driver
- Teen & student driver discounts
- Homeowner
- Online quote
- Sign online
- Paperless billing
- Pay in full
- Automatic payment
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.
Further Reading on Progressive
- Progressive auto insurance review
- Progressive homeowners insurance review
- Progressive renters insurance review
Best for discounts
Why we chose it
Pros
- Wide variety of insurance products
- Discounts for safe driving
- Accident Forgiveness
Cons
- Below-average customer satisfaction
Types of Coverage Offered
- Liability
- Collision
- Comprehensive
- Uninsured & underinsured motorist
- Medical payments
- Personal injury protection
- Towing and roadside service
- Rental reimbursement
- Rideshare
- Loss of use
- Guaranteed value
- Customized equipment
- Glass deductible buyback
- New car
- Original equipment manufacturer
Discounts Available
- Multi-line
- Multi-car
- Affinity member
- Paperless billing
- Good payer
- Safe driver
- Young driver discounts
- Shared family car
- Mature driver
- Homeowner
- Autopay
- Paid in full
- Vehicle safety features
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.
Further Reading on Farmers
Best for military families
Why we chose it
Pros
- Low annual premiums
- Exceptional customer satisfaction
Cons
- Only available to military families
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Personal injury protection
- Extended benefits
- Uninsured & underinsured motorist
- Roadside assistance
- Rental reimbursement
- Accident forgiveness
Discounts Available
- Safe driver
- Defensive driving
- Driver training
- Good student
- New vehicle
- Multi-vehicle
- Annual mileage
- Vehicle storage
- Family discount
- Length of membership
- Military installation
- Full pay
* Data provided by Coverage.com, price based on the state minimum required policy.
**J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southwest region. Based on a 1,000-point scale.
Further Reading on USAA
The Average Cost of Car Insurance in Arizona
Arizona’s car insurance rates are on par with the national average. Customers here won’t pay exceptionally high or low premiums. Customers generally pay an average of $482 for the state’s minimum liability insurance and $1,517 for a full coverage policy.
Many factors can have an impact on your car insurance. Location is one important factor, and Arizona’s low population and rural nature helps keep rates lower. You can also expect your driving record, credit score, age and vehicle to influence your rates. Be sure to shop around, as rates can vary significantly from one company to the next.
Top 3 Cheapest Car Insurance Companies in Arizona
| Company | Average Annual Premium |
| Geico | $547.48 |
| Travelers | $571.63 |
| USAA | 782.21 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Car Insurance Companies in Arizona
| Company | Average Annual Premium |
| State Farm | $1,715.17 |
| Western United | $1,170.93 |
| American Family | $978.02 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Cheapest Cities for Car Insurance in Arizona
| City | Average Annual Premium* |
| Douglas | $639.04 |
| Lake Havasu City | $671.22 |
| Chino Valley | $684.93 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Top 3 Most Expensive Cities for Car Insurance in Arizona
| City | Average Annual Premium* |
| Phoenix | $1,127.59 |
| Glendale | $1,101.26 |
| Laveen | $1,035.51 |
* Data provided by Coverage.com, price based on the state minimum required policy.
Car Insurance Add-Ons That Will Further Protect You
- New car replacement: This coverage, like the one offered by Farmers, will replace your new car with the same make and model if yours is totaled.
- Accident forgiveness: Rather than your insurance rates increasing after an accident, this coverage will keep them where they are.
- Roadside assistance: When you’re stranded on the side of the road, your insurer’s roadside assistance will help you get towing service, a flat tire change, and more.
- Uninsured/underinsured motorist: This optional coverage (though required in some states) will cover your losses if you’re in an accident where the at-fault driver doesn’t have insurance.
Guide to Arizona Car Insurance
The car insurance laws are different in every state, so it’s important to learn the laws in your state before driving. Arizona is no exception, with its unique insurance laws.
Arizona Minimum Insurance Requirements
The state of Arizona requires all drivers to carry liability insurance. If you don’t have the required insurance, you could face fines and license or vehicle registration suspension.
Minimum liability required in the state of Arizona is divided as follows:
- $25,000 bodily injury for one person per accident
- $50,000 bodily injury for two or more persons per accident
- $15,000 property damage per accident
Arizona’s At-Fault Law
Arizona is an at-fault state for car insurance, meaning the person who causes an accident is financially responsible for any damage. Assuming the at-fault driver has the required minimum liability insurance, their car insurance company will cover the costs up to their coverage limits.
Arizona Car Insurance FAQ
Methodology
Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Arizona, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you.
As for average pricing, we used Coverage.com’s data of car insurance in Arizona, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.
