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Which Arizona car insurance company works “best” for you ultimately depends on your unique situation. On average, Arizona drivers pay $225 per month for auto insurance.
While you may want to choose an insurer based on price alone, you should consider multiple factors before buying a car insurance policy. You can apply several criteria to develop a list of the best insurance companies for you, including average monthly cost, Insurify Quality (IQ) Score, customer satisfaction, and corporate reputation.
Here’s what you should know about finding cheap car insurance in Arizona.
Quick Facts
Drivers in Glendale pay the highest average rate in Arizona, at $294 per month.
Auto coverage for teenagers in Arizona costs $439 per month on average.
At $64 per month, Auto-Owners offers the cheapest liability coverage in Arizona.
Best car insurance companies in Arizona
Your financial situation, coverage needs, driving history, credit history, and vehicle type influence what you should look for in an insurer. Some insurers, for example, work better for students or retirees than others.
Based on average costs, Insurify Quality (IQ) Scores, and more, several insurers stand out as the best car insurance companies in Arizona.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
State Farm provides the best coverage option for Arizona drivers, with low monthly car insurance costs, a solid industry reputation, and an IQ Score of 4.4 out of 5. The company has the highest market share in the U.S. property and casualty insurance industry, too.[1]
The company’s combination of affordability and reliability makes State Farm a desirable car insurance company in Arizona. On average, Arizona policyholders pay $79 per month for liability and $105 for full coverage.
Pros
Highest customer satisfaction score among Southwest consumers in J.D. Power 2022 U.S. Auto Insurance Study[2]
Trusted industry reputation thanks to more than 100 years of business
A++ (Superior) financial strength rating from A.M. Best
Cons
Fewer discounts than some other insurers
Customer review score of 1.17 out of 5 on company Better Business Bureau (BBB) profile
Auto-Owners offers the lowest average monthly premiums in Arizona for both liability-only coverage ($64) and full-coverage insurance ($85). Aside from supplying the lowest car insurance cost in Arizona, Auto-Owners earned an IQ Score of 4.1.
In addition to the cheapest average rates, the company also advertises more than a dozen discounts, with multi-policy discount options and more.
Pros
Low number of customer complaints compared to competitors
A++ (Superior) financial strength rating from A.M. Best
Higher-than-average customer satisfaction score in shopping category of J.D. Power 2022 U.S. Insurance Digital Experience Study[3]
Cons
Lower-than-average customer satisfaction score in J.D. Power 2022 U.S. Auto Claims Satisfaction Study[4]
Customer review score of 1.38 on company BBB profile
USAA offers some of the cheapest rates in Arizona, with average premiums of $88 per month for liability and $117 for full coverage. The company earned the highest IQ Score out of all the other included insurers, too, at 4.5. USAA provides a high-quality insurance option for eligible former and current military members, as well as their families.
The company has solid customer satisfaction ratings and sells insurance products nationwide.
Pros
Below-average customer complaints on the National Association of Insurance Commissioners (NAIC) complaint index
A++ (Superior) financial strength rating from A.M. Best
Low average premiums
Cons
Only available for active, retired, and military reserve members and their families
For Arizona commuters, Travelers offers some appealing coverage features. Because you may drive a lot as a regular commuter, you’ll want to make sure you have affordable insurance that protects your vehicle.
Travelers has one of the lowest average monthly quotes for full-coverage insurance in the state, at $152. Drivers pay $108 per month on average for liability. The company also promotes 12 discounts, including one for safe drivers. Qualifying for even a couple of these discounts could ease the financial burden of commuting.
Pros
IQ Score of 4.3
A++ (Superior) financial strength rating from A.M. Best
Trusted industry reputation thanks to more than 150 years of business
Cons
Customer review score of 1.07 on company BBB profile
Lower-than-average customer satisfaction score in J.D. Power 2022 U.S. Auto Claims Satisfaction Study
Many older drivers begin limiting how much they drive, according to the Insurance Institute for Highway Safety (IIHS).[5] Retirees fitting that description should consider purchasing auto insurance from Allstate.
Allstate’s Milewise program offers pay-by-the-mile auto insurance that charges a daily rate plus a per-mile rate. Program participants earn points for safe driving that can be redeemed for merchandise, gift cards, and other items. Milewise customers may also qualify for other Allstate discounts.
Even without Milewise, Allstate drivers pay lower-than-average monthly quotes for liability-only coverage ($131) and full-coverage insurance ($174).
Pros
Higher-than-average customer satisfaction score in J.D. Power 2022 U.S. Auto Claims Satisfaction Study
A+ (Superior) financial strength rating from A.M. Best
IQ Score of 4.1
Cons
Higher rates than some competitors
Lower-than-average score in both categories of J.D. Power 2022 U.S. Insurance Digital Experience Study
Customer review score of 1.09 on company BBB profile
If your family has at least two vehicles, GEICO offers a discount of up to 25% if you insure more than one vehicle with the company. You can also pick up a discount if you purchase homeowners or renters insurance with GEICO.
Full-time students may also qualify for good student and good driver discounts. On average, GEICO drivers in Arizona pay $81 per month for liability and $107 for full coverage.
Pros
Lower-than-average monthly quotes for liability-only and full-coverage insurance
IQ Score of 4.3
Higher-than-average customer satisfaction score among Southwest consumers in J.D. Power 2022 U.S. Auto Insurance Study
Cons
Customer review score of 1.15 on company BBB profile
Score of 1.3 out of 5 among Trustpilot reviewers
Lower-than-average score in service category of J.D. Power 2022 U.S. Insurance Digital Experience Study
American Family is a good option for drivers in high school and college — and their parents who may cover the costs of insurance. The company offers a good student discount (even for homeschooled students) as well as the Teen Safe Driver program and student away at school, young volunteer, and generational discounts.
On average, American Family policyholders pay $155 per month for liability and $204 per month for full coverage.
Pros
Discounts for student drivers
Below-average number of customer complaints with the NAIC complaint index
Above-average customer satisfaction ranking from J.D. Power
Cons
Below-average customer satisfaction rating in the J.D. Power 2022 U.S. Insurance Digital Experience Study
More expensive premiums than some insurers on the list
Nationwide customers with less-than-perfect records can benefit from a few special auto coverages, including accident forgiveness, 24/7 roadside assistance, and total-loss deductible waiver. The company’s vanishing deductible feature can earn you $100 off your deductible for every year of safe driving — up to $500 — to reward you for improving your driving record over time, too.
On average, Nationwide policyholders with clean records pay $181 for full-coverage car insurance. Drivers pay $242 per month with a speeding ticket, $258 with an accident, and $359 with a DUI, on average.
Pros
Can file a claim via desktop, phone, and mobile app
Below-average number of customer complaints with the NAIC complaint index
Many available coverage options and discounts, including accident forgiveness
Cons
Below-average customer satisfaction rating in the J.D. Power 2022 U.S. Auto Claims Satisfaction Study
Some coverage and discount availability varies by state
Below-average customer satisfaction rating in the J.D. Power 2022 U.S. Insurance Digital Experience Study
How Insurify’s experts used internal proprietary data to rate the top auto insurers
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers’ vehicles, driving records, and demographic information.
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service’s database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Minimum car insurance requirements in Arizona
Arizona requires drivers to buy a minimum amount of bodily injury and property damage liability coverage. This coverage kicks in when a driver causes bodily injury to someone else or damages someone else’s vehicle or other property. It doesn’t cover you, your passengers, or your car.
Bodily injury liability for one person in an accident
$25,000
Bodily injury liability per accident for two or more people
$50,000
Property damage liability
$15,000
Liability-only vs. full-coverage insurance in Arizona
Arizona requires a minimum amount of liability auto insurance to cover the costs of bodily injury and property damage you cause someone else in a car accident. You might decide to select liability-only insurance if you can’t afford the premiums for broader coverage or if you have a relatively invaluable or old vehicle.
If you want more protection, you can purchase full-coverage insurance, which generally refers to liability coverage coupled with comprehensive and collision coverage. When you finance a car with a loan or lease, the lender typically requires you to buy full-coverage insurance. Otherwise, comprehensive and collision coverage are optional.
Collision coverage pays for damage to your car from a collision with a vehicle or another object. Comprehensive coverage kicks in for damages from natural disasters and vandalism.
Nine Arizona auto insurers charge less per month than the state average for liability-only insurance ($141), while 13 charge less per month than the state average ($208) for full-coverage insurance.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Arizona car insurance rates by driving and accident history
Your driving and accident history can affect your car insurance rates in Arizona. A history free of traffic violations and accidents can lead to lower premiums, but a history of speeding tickets, at-fault accidents, or DUIs can trigger higher car insurance rates.
A person’s driving record is generally “a major factor in determining the price people pay for insurance coverage,” says Douglas Heller, director of insurance at the Consumer Federation of America.
Premiums can rise significantly if a driver caused a severe car crash in the past three to five years or racked up major traffic violations, like DUIs, within that period, Heller says. Attending traffic school for minor violations may minimize the effect on a driver’s premiums.
Arizona drivers with blemished records earn the lowest average monthly quotes from Auto-Owners, State Farm, and GEICO.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
SR-22 insurance in Arizona
In certain situations, such as an alcohol- or drug-related driving offense conviction, an Arizona motorist may need to get a certificate of insurance known as an SR-22.[7] This form demonstrates proof of financial responsibility for license reinstatement after the state suspends or revokes your driver’s license.
You can get this proof of insurance in one of two ways:
File an SR-22 form via an Arizona-licensed insurer.
Obtain a certificate of insurance from the Office of the Arizona State Treasurer by making a $40,000 deposit in cash or certificates of deposit (CDs).[8]
Insurers in Arizona that offer assistance in filing SR-22s include:
Dairyland
Farmers
Mercury
SafeAuto
The General
Arizona car insurance quotes by credit tier
In Arizona, car insurers can rely on what’s known as a credit-based insurance score to help set rates, with some restrictions.[9] Companies pull information from a motorist’s credit report to calculate their credit-based insurance score that indicates how well someone manages their finances. Insurers often associate how someone handles their finances with their likelihood of filing an insurance claim.
For example, insurers view someone with a low credit score as more likely to file an insurance claim than someone with a high credit score. As a result, drivers with low credit scores pay higher rates than those with good or excellent credit.
Car insurance quotes in Arizona cities
Car insurance quotes vary among cities in Arizona because your location affects how much you pay for car insurance.
For instance, drivers in a bigger city with a higher crime rate may pay more for coverage than drivers in a smaller suburb with a low crime rate. Meanwhile, drivers in areas prone to natural disasters might see higher premiums than drivers in areas not prone to adverse weather.
Your age can affect insurance rates, and insurance companies take it into consideration when determining how much to charge you for car insurance.
Generally, teenagers and other drivers younger than 25 pay much more for car insurance than older drivers because less experienced drivers tend to have more accidents than more experienced drivers.
The average monthly quote for Arizona teenagers is the highest ($439) among age groups, while drivers in their 60s pay the lowest rates on average ($151).
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to shop for the best car insurance in Arizona
When you’re shopping for the best car insurance in Arizona, carefully look into the following factors for each insurer you’re considering:
Quotes: The Insurance Information Institute (III) recommends obtaining insurance quotes from at least three companies so you can narrow your insurer options based on cost initially.[10]
Coverage: If you’re looking for car insurance, you should weigh both cost and coverage. The cheapest coverage type may not provide the best coverage. Figure out what level of coverage you need, then seek out insurers that offer that coverage at the best price.
Reputation: Check out online reviews and ratings for any car insurer you’re considering. Look for evidence of a solid track record of paying claims in a timely manner, reliable customer service, and solid financial strength ratings.
Licensing: Contact your state’s insurance regulator to confirm that an insurer is licensed to do business in your state if you can’t confirm on your own.
How to get the cheapest car insurance in Arizona
When it comes to finding cheap car insurance rates, a number of factors come into play, such as deductibles and discounts.
Compare quotes. Before you purchase or renew a policy, you should always make sure you have the best deal for your desired coverage amount. Doing so with an online quote-comparison tool makes it easy.
Explore discounts. An insurer may offer a variety of discounts that you can qualify for. Common discounts reward drivers for maintaining a clean driving record, installing vehicle safety features, and bundling auto and homeowners insurance.
Set a higher deductible. If you increase your deductible — from, say, $200 to $500 — you should earn a lower car insurance premium. But make sure you can afford the deductible cost in the event of an accident.
Look into dropping coverage. If you no longer need to finance your car, you might save money by dropping comprehensive and collision coverage if you drive an older vehicle. Canceling this coverage could leave you more financially vulnerable in the event of an accident, though.
Arizona car insurance FAQs
Many factors determine the cheapest car insurance in Arizona. Here’s what you need to know when making decisions about your car insurance.
Who has the cheapest car insurance in Arizona?
Auto-Owners has the cheapest car insurance in Arizona, with average monthly rates of $64 for liability and $107 for full coverage. State Farm, GEICO, and USAA also offer some of the cheapest average rates in the state.
But the cheapest coverage might not be the best coverage for you. You should compare quotes from several insurers to find the cheapest and most appropriate coverage.
What’s the required car insurance coverage in Arizona?
Arizona requires motorists to carry auto liability insurance. Effective July 1, 2020, Arizona raised the minimum-coverage limits to:
$25,000 for one person sustaining bodily injury or death in an accident
$50,000 per accident for two or more people sustaining bodily injury or death
$15,000 per accident for damage to someone else’s property
What are the best car insurance companies in Arizona?
The best car insurance companies in Arizona include State Farm, USAA, and Auto-Owners, due to solid IQ Scores, high J.D. Power rankings, and affordable coverage.
State Farm tops the list, with the highest rating in the 2022 U.S. Auto Insurance Study among consumers in the Southwest (including Arizona), and an IQ Score of 4.4. State Farm drivers pay $79 per month for liability and $105 for full coverage, on average.
How does credit score affect car insurance premiums in Arizona?
In Arizona and many other states, a credit-based insurance score can affect a driver’s car insurance premiums. Based at least in part on a consumer’s credit history, this score helps an insurer forecast how likely you are to file an insurance claim.
Under Arizona law, a car insurer can’t refuse coverage or charge increased rates based on a lack of credit history. Arizona law also prohibits several other factors from being included in a credit-based insurance score, such as a consumer’s overall credit limit or a bankruptcy or lien dating back more than seven years.
Is Arizona a no-fault state?
No. Arizona is not a no-fault state. Rather, it’s an at-fault state. This means that if you cause an accident, you and your insurance company must pay for incurred damages and injuries.
In a no-fault state, a driver must file a claim with their own insurer, regardless of fault. In addition, they must buy personal injury protection (PIP) insurance, which covers medical expenses and lost wages following an accident.
Insurify Insights
How Arizona Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Arizona below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Arizona drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more. Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Arizona
#28
State with the Most Speeding Tickets Rank
#27
State with the Moving Violations Rank
#14
State with the Most DUIs Rank
#38
State with the most Suspended Licenses
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Arizona is the #25 state in the country for drivers with an at-fault accident on their driving record.
Rank among states: #25
Percent of drivers in Arizona with an accident: 8.5%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arizona is the #14 state in the country for drivers with a prior drunk driving conviction.
Rank among states: #14
Percent of drivers in Arizona with a DUI: 1.8%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Arizona is the #24 state in the country for drivers with a reckless driving offense on record.
Rank among states: #24
Percent of drivers in Arizona with a reckless driving offense: 1.3%
The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Arizona is the #24 state in the country for drivers with a rude driving violation on record.
Rank among states: #24
Percent of drivers in Arizona with a rude driving violation: 1.5%
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Arizona is the #28 state in the country for drivers with a speeding ticket on record.
Rank among states: #28
Percent of drivers in Arizona with a speeding ticket: 8.3%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arizona is the #35 state in the country for drivers with a failure to yield violation on record.
Rank among states: #35
Percent of drivers in Arizona with a failure to yield violation: 0.1%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Methodology
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
