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The Best Car Insurance Companies in Arizona

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    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$2,343.874.8A++847
    Pin Allstate$962.65$3,253.324A+822
    Pin Progressive$804.94$2,757.904.4A+835
    Pin Farmers$957.63$2,796.343.6A-802
    Pin USAA$782.21$2,448.404.8A++863

    Information accurate as of July 2021

    * Data provided by Coverage.com

    **J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Southwest region. Based on a 1,000-point scale.

    State Farm

    Best for coverage options

    Why we chose it

    State Farm is a leading insurance provider in the state, with some of the best coverage options available.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,715.17* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 847** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is a leading insurance provider in the state, with some of the best coverage options available.

    Pros

    • Many coverage options
    • Above-average claims satisfaction

    Cons

    • High premiums for Arizona drivers
    • Below-average customer satisfaction
    Read More

    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 

    More State Farm Insurance Reviews

    Allstate

    Best for customer satisfaction

    Why we chose it

    Allstate leads the pack in customer satisfaction while offering robust coverage and digital tools.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $962.65* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 822** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate leads the pack in customer satisfaction while offering robust coverage and digital tools.

    Pros

    • Excellent customer satisfaction
    • Many digital tools and resources

    Cons

    • Below-average claims satisfaction
    • Few discounts available
    Read More

    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

    More Allstate Insurance Reviews

    Progressive

    Best for low prices

    Why we chose it

    Progressive is well-known in the industry for its low prices and many ways to save.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $804.94* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate 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.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is well-known in the industry for its low prices and many ways to save.

    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
    Read More

    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

    More Progressive Insurance Reviews

    Farmers

    Best for discounts

    Why we chose it

    Farmers offers many ways to save, with more discounts than any competitor on this list.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $957.63* Average Premium Pricing data comes from our partners at Coverage.com.
    • A- AM Best Rate 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.
    • 802** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers offers many ways to save, with more discounts than any competitor on this list.

    Pros

    • Wide variety of insurance products
    • Discounts for safe driving
    • Accident Forgiveness

    Cons

    • Below-average customer satisfaction
    Read More

    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

    More Farmers Insurance Reviews

    USAA

    Best for military families

    Why we chose it

    USAA offers the best car insurance on the market for price and customer satisfaction, available only to military members and their families
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $782.21* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate 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.
    • 863* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers the best car insurance on the market for price and customer satisfaction, available only to military members and their families

    Pros

    • Low annual premiums
    • Exceptional customer satisfaction

    Cons

    • Only available to military families
    Read More

    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

    More USAA Insurance Reviews

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **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

    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

    CompanyAverage Annual Premium
    Geico$547.48
    Travelers$571.63
    USAA782.21

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Arizona

    CompanyAverage 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

    CityAverage 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

    CityAverage 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.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.

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