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 more affordable rates. Based on our research, the best car insurance companies in Arizona are State Farm, Allstate, Progressive, Farmers, and USAA. Some of t Best for military-centric options he 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 ANNUAL PRICE FOR MINIMUM COVERAGE* | AVERAGE ANNUAL PRICE FOR FULL COVERAGE* | 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 | $523 | $1,232 | A++ | 847 | |
| Pin Allstate | $554 | $1,701 | A+ | 822 | |
| Pin Progressive | $650 | $1,472 | A+ | 835 | |
| Pin Farmers | $601 | $1,344 | A- | 802 | |
| Pin USAA | $450 | $1,288 | A++ | 863 |
Information accurate as of October 2021
* Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale.
Best for customer satisfaction
Why we chose it
Why we chose it
Pros
- Above-average claims satisfaction score
- High customer satisfaction score
Cons
- Fewer add-on coverages than some competitors
- Premiums may be high for some Arizona drivers
Types of Coverage Offered
- Collision
- Comprehensive
- Liability
- Medical payments
- Rental and travel expense
- Rideshare driver
- Roadside assistance
- Underinsured motorist
- Uninsured motorist
Discounts Available
- Accident-free
- Drive Safe & Save
- Driver training
- Good driving
- Good student
- Multi-car
- Multi-policy
- Passive restraint
- Steer Clear
- Student away at school
- Vehicle safety features
Best for claim satisfaction
Why we chose it
Why we chose it
Pros
- High auto insurance claim satisfaction score
- Many digital tools and resources
Cons
- Below-average customer satisfaction rating for the region
- Fewer add-on coverages than some competitors
Types of Coverage Offered
- Accident forgiveness
- Collision
- Comprehensive
- Custom equipment
- Liability
- Medical payments
- New car replacement
- Rental reimbursement
- Roadside assistance
- Underinsured motorist
- Uninsured motorist
Discounts Available
- Auto-pay
- Drivewise program
- Early signing
- Full pay
- Milewise program
- Multi-policy
- New car
- Paperless billing
- Responsible payer
- Safe driving
- Smart student
- Student away at school
- Vehicle safety
Best for discounts
Why we chose it
Why we chose it
Pros
- Lots of coverage options
- Low annual premiums
- Many discounts available
Cons
- Discounts aren’t available in all states
- Poor claim satisfaction rating
Types of Coverage Offered
- Accident forgiveness
- Comprehensive
- Collision
- Custom parts and equipment
- Liability
- Loan/lease payoff
- Medical payments
- Rental car reimbursement
- Rideshare coverage
- Roadside assistance
- Underinsured motorist
- Uninsured motorist
Discounts Available
- Automatic payment
- Continuous insurance
- Distant student
- Good student
- Homeowner
- Multi-policy
- Multi-car
- Online quote
- Paperless billing
- Pay in full
- Safe driver
- Sign online
- Snapshot program
- Teen driver
Best for digital experience
Why we chose it
Why we chose it
Pros
- Accident forgiveness
- Discounts for safe driving
- Wide variety of insurance products
Cons
- Below-average customer satisfaction rating
- Not many discounts are advertised online
Types of Coverage Offered
- Accident forgiveness
- Collision
- Comprehensive
- Customized equipment
- Full windshield and glass coverage
- Glass deductible buyback
- Guaranteed value
- Liability
- Loss of use
- Medical payments
- New car replacement
- Original equipment manufacturer
- Rental reimbursement
- Rideshare
- Towing and roadside service
- Underinsured motorist
- Uninsured motorist
Discounts Available
- Claim-free
- Multi-line
- Signal program
- State-specific discounts
Best for military families
Why we chose it
Why we chose it
Pros
- Low annual premiums for many drivers
- Exceptional customer satisfaction score
Cons
- Only available to military families
Types of Coverage Offered
- Accident forgiveness
- Collision
- Comprehensive
- Liability
- Rental reimbursement
- Roadside assistance
- Underinsured motorist
- Uninsured motorist
Discounts Available
- Annual mileage
- Defensive driving
- Driver training
- Family discount
- Good student
- Length of membership
- Military installation
- Multi-vehicle
- New vehicle
- Safe driver
- Vehicle storage
* Data provided by Bankrate.com
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale.
The Average Cost of Car Insurance in Arizona
Drivers in Arizona generally pay an annual average of $555 for the state’s minimum required liability insurance and $1,547 for a full coverage policy, according to 2021 data from Bankrate.com.
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 Full Coverage Premium* |
| Geico | $916 |
| Nationwide | $1,110 |
| Travelers | $1,127 |
* Data provided by Bankrate.com
Top 3 Most Expensive Car Insurance Companies in Arizona
| Company | Average Annual Full Coverage Premium* |
| Safeway | $2,453 |
| MGA | $2,423 |
| Country Financial | $2,106 |
* Data provided by Bankrate.com
Top 3 Cheapest Cities for Car Insurance in Arizona
| City | Average Annual Full Coverage Premium* |
| Lake Havasu City | $1,232 |
| Valle Vista | $1,233 |
| Desert Hills | $1,233 |
* Data provided by Bankrate.com
Top 3 Most Expensive Cities for Car Insurance in Arizona
| City | Average Annual Full Coverage Premium* |
| Phoenix | $1,904 |
| Tolleson | $1,854 |
| Glendale | $1,853 |
* Data provided by Bankrate.com
Arizona Car Insurance: What You Need to Know
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’s minimum coverage requirements are fairly standard compared to other states. Additionally, Arizona follows at-fault laws, so drivers are not required to carry personal injury protection.
Although Arizona drivers are not required to carry uninsured or underinsured motorist coverage, the state has a relatively high number of uninsured drivers. Data from the Insurance Information Institute (Triple-I) finds that almost 12% of drivers in Arizona have no insurance, despite it being a legal requirement.
Drivers should also consider purchasing more coverage than what is required, due to the state’s high number of traffic fatalities. In 2019, there were 980 fatal collisions on Arizona roads. In 2020, the number rose to 1,057, despite the fact that Arizona drivers traveled five billion fewer miles in 2020 compared to the year before.
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 liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Additional Car Insurance Coverage in Arizona
In addition to the minimum coverage requirements, many car insurance companies offer optional coverages for more protection. Here are some of the additional coverages that Arizona drivers may want to consider purchasing:
- New car replacement: This coverage is designed to replace your new car with the same make and model if yours is totaled in a covered accident.
- Accident forgiveness: This option could help you avoid a premium increase after an at-fault accident.
- Roadside assistance: When you’re stranded on the side of the road, your insurer’s roadside assistance could help you get towing service, a flat tire change, and more.
- Uninsured/underinsured motorist: This optional coverage (though required in some states) is designed to cover your losses if you’re in an accident where the at-fault driver doesn’t have insurance.
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 should cover the costs up to their coverage limits.
Arizona Car Insurance FAQ
Methodology
Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.
As for average pricing, we used Bankrate.com’s 2021 data of car insurance in Arizona, based on the profiles of a 40-year male and female. For full coverage, the details used were the following:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
About the Authors
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
