HomepageInsuranceCarThe Best Car Insurance Companies in Arizona

The Best Car Insurance Companies in Arizona

Fact-checked with HomeInsurance.com ​
Insurance Disclosure This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Reviews.com. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Save money on auto coverage with our simple comparison tool.

Please enter a valid zip code

Powered by HomeInsurance.com (NPN: 8781838)

Click at least 2-3 companies to find the very best rate.

    Advertiser Disclosure

    Close icon.

    We are an independent publisher. Our reporters create honest, accurate, and objective content to help you make decisions. To support our work, we are paid for providing advertising services. Many, but not all, of the offers and clickable hyperlinks that appear on this site are from companies that compensate us. The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

    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 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 ANNUAL PRICE FOR MINIMUM COVERAGE* AVERAGE ANNUAL 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$2,3444.8A++847
    Pin Allstate$963$3,2534A+822
    Pin Progressive$805$2,7584.4A+835
    Pin Farmers$958$2,7963.6A-802
    Pin USAA$782$2,4484.8A++863

    Information accurate as of October 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 customer satisfaction

    Why we chose it

    J.D. Power awarded State Farm with one of the highest customer satisfaction scores for the Southwest region, which could indicate excellent customer service.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $1,715* 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

    J.D. Power awarded State Farm with one of the highest customer satisfaction scores for the Southwest region, which could indicate excellent customer service.

    Pros

    Cons

    • Fewer add-on coverages than some competitors
    • Premiums may be high for some Arizona drivers
    Read More

    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

    More State Farm Insurance Reviews

    Allstate

    Best for claim satisfaction

    Why we chose it

    Allstate has an above-average rating for claim satisfaction from J.D. Power, and customers can easily file a new claim online, through the mobile app, or by calling an agent.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $963* 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 has an above-average rating for claim satisfaction from J.D. Power, and customers can easily file a new claim online, through the mobile app, or by calling an agent.

    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
    Read More

    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

    More Allstate Insurance Reviews

    Progressive

    Best for low prices

    Why we chose it

    Progressive has a reputation for offering affordable auto insurance policies to drivers in Arizona, and the company has an impressive list of discounts for further savings.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $805* 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 has a reputation for offering affordable auto insurance policies to drivers in Arizona, and the company has an impressive list of discounts for further savings.

    Pros

    • Lots of coverage options
    • Low annual premiums
    • Many discounts available

    Cons

    • Discounts aren’t available in all states
    • Poor claim satisfaction rating
    Read More

    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

    More Progressive Insurance Reviews

    Farmers

    Best for digital experience

    Why we chose it

    Arizona drivers who like to handle their insurance needs online might want to consider Farmers. The company provides numerous insurance articles, FAQs, and a robust online portal.
    • 3.6 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $958* 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

    Arizona drivers who like to handle their insurance needs online might want to consider Farmers. The company provides numerous insurance articles, FAQs, and a robust online portal.

    Pros

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

    Cons

    • Below-average customer satisfaction rating
    • Not many discounts are advertised online
    Read More

    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

    More Farmers Insurance Reviews

    USAA

    Best for military families

    Why we chose it

    Arizona drivers who are active duty or retired military personnel or eligible family members may be eligible for auto insurance from USAA, which is known for its excellent customer service, low rates, and generous discounts.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $782* 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

    Arizona drivers who are active duty or retired military personnel or eligible family members may be eligible for auto insurance from USAA, which is known for its excellent customer service, low rates, and generous discounts.

    Pros

    • Low annual premiums for many drivers
    • Exceptional customer satisfaction score

    Cons

    • Only available to military families
    Read More

    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

    More USAA Insurance Reviews

    * Data provided by Coverage.com, price based on a minimum coverage 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 generally pay an annual average of $930 for the state’s minimum required liability insurance and $2,426 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
    Travelers$572
    USAA$782

    * Data provided by Coverage.com, price based on a minimum coverage policy.

    Top 3 Most Expensive Car Insurance Companies in Arizona

    CompanyAverage Annual Premium
    State Farm $1,715
    Western United$1,171
    American Family$978

    * Data provided by Coverage.com, price based on a minimum coverage policy.

    Top 3 Cheapest Cities for Car Insurance in Arizona

    CityAverage Annual Premium*
    Douglas$639
    Lake Havasu City$671
    Chino Valley$685

    * Data provided by Coverage.com, price based on a minimum coverage policy.

    Top 3 Most Expensive Cities for Car Insurance in Arizona

    CityAverage Annual Premium*
    Phoenix $1,128
    Glendale$1,101
    Laveen$1,036

    * Data provided by Coverage.com, price based on a minimum coverage policy.

    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 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

    Elizabeth Rivelli

    Elizabeth Rivelli Contributing Writer

    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.

    Table Of Contents