As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Drivers in the Grand Canyon State have different coverage needs and priorities. Arizona drivers pay an average of $92 per month for a liability policy, slightly lower than the national average rate of $105.
Insurify analyzed 50 car insurance companies based on major factors like cost, customer satisfaction, and coverage options to determine the best car insurance in Arizona.
Best car insurance companies in Arizona
Arizona drivers can choose from many different insurers. But some stand out from the rest, offering the best coverage for specific types of drivers.
Insurify selected five of the best Arizona car insurance companies based on numerous important factors, including cost, discounts, coverages, customer service, AM Best and J.D. Power ratings, and the number of complaints in the National Association of Insurance Commissioners (NAIC) Complaint Index.
State Farm: Best car insurance company for customer service
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$56/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$92/mo
4.1
Best choiceBased on 9,508 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,235)
John
February 12, 2025
Verified Review
How State Farm Treats Long-Time Policy Holders
State Farm's auto insurance keeps increasing even with no claims. Their home insurance is terrible and unfair. They do not want to renew policies in certain areas.
Annie
February 12, 2025
Verified Review
Over the years, for unknown reasons, the rates kept increasing without any justification. Despite having no traffic citations, DWIs, or accidents, I still faced these outrageous fees. I even enrolled in the device that was supposed to offer an 'additional' discount, but it didn't. After many years of dedication to State Farm, I finally closed out my insurance. I'm very disappointed in the way loyal customers are treated.
Over the years, for unknown reasons, the rates kept increasing without any justification. Despite having no traffic citations, DWIs, or accidents, I still faced these outrageous fees. I even enrolled in the device that was supposed to offer an 'additional' discount, but it didn't. After many years of dedication to State Farm, I finally closed out my insurance. I'm very disappointed in the way loyal customers are treated.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is the best car insurance company in Arizona for customer service. The insurer has an extensive network of insurance agents across the state, making it easy for policyholders to get quality assistance. It also offers numerous coverages, various insurance products, and affordable premiums, making it an all-around good choice for Arizona drivers.
Pros
Long-standing history in the insurance industry
Below-average number of complaints with the NAIC
Above-average J.D. Power customer satisfaction rating in the Southwest
Cons
Not the cheapest coverage option in Arizona
Doesn’t offer accident forgiveness
Gap coverage only available if you use State Farm financing
Auto-Owners: Best car insurance company for affordability
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$45/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo
4.0
Best choiceBased on 153 verified guest reviews and ratings
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (94)
Tammy
January 13, 2025
Verified Review
Affordable Insurance in Michigan
The insurance is affordable.
Allen
January 12, 2025
Verified Review
Excellent
Absolutely no problems.
Michael
January 6, 2025
Verified Review
Pleased
I have had a positive experience with Auto-Owners company and personnel.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners is the best choice for Arizonans looking for cheap car insurance. The company offers one of the cheapest car insurance rates in the state. Auto-Owners also earned a high Insurify Quality Score and offers numerous coverages and discounts for policyholders.
Pros
Above-average J.D. Power customer satisfaction rating in the Southwest
Below-average number of complaints with the NAIC
AM Best financial strength rating of A++ (Superior)
Cons
Doesn’t offer online quotes
Available in only 26 states
Need to go through an independent agent to get a policy
USAA: Best car insurance company for military members and their families
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo
4.9
Best choiceBased on 1,684 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (967)
Anthony
February 10, 2025
Verified Review
I Like USAA
Very good.
Dianne
February 9, 2025
Verified Review
Poor
They are expensive, and when you need them, they don't help you.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
856
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA is the best car insurance option in Arizona for military members and their families. It offers numerous special discounts and coverages exclusively to the military. Thanks to its discounts and higher-than-average customer satisfaction rating, USAA is an excellent choice for the roughly 10% of the Arizona population who are veterans as well as their loved ones.
Pros
Above-average J.D. Power customer satisfaction rating in the Southwest
AM Best financial strength rating of A++ (Superior)
Highly rated mobile app
Cons
Only available to active military, veterans, and their families
Has limited agents
Higher-than-average number of complaints with the NAIC
Allstate: Best car insurance company for discounts
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$93/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$153/mo
4.0
Best choiceBased on 5,885 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,213)
Letasha
February 12, 2025
Verified Review
Need a Lower Rate
I don't drive my car every day, so why does the Drive Wise need to be on?
Cynthia
February 12, 2025
Verified Review
Great, but too expensive now
The agent was great.
Nancy
February 12, 2025
Verified Review
Inflexible Pricing
They provide good customer service when claims are filed. However, their prices are not competitive and they are inflexible when asked to negotiate. I wonder why they are so much higher than other companies for the exact same coverage. They offered to reduce coverage to lower the cost. But why would anyone do that?
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
824
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company
Allstate is the best car insurance company in Arizona for drivers looking to take advantage of discounts. The insurer offers a wide variety of discounts, including ones for new cars, anti-theft devices, early signing, paying in full, safe driving, good grades, anti-lock brakes, and more. But coverage options are limited, and the company doesn’t have the best customer satisfaction ratings.
Pros
Many available discounts to help you save
Below-average number of complaints with the NAIC
AM Best financial strength rating of A+ (Superior)
Cons
Below-average J.D. Power customer satisfaction rating in the Southwest
Doesn’t offer a customer loyalty discount
Doesn’t offer many additional coverages
Travelers: Best car insurance company for customization
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$97/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$159/mo
4.7
Best choiceBased on 785 verified guest reviews and ratings
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (408)
James
February 1, 2025
Verified Review
Fair
The cost is too high considering I have no claims.
Curtis
January 30, 2025
Verified Review
Best Insurance Company!!!
Excellent.
Patti
January 30, 2025
Verified Review
Beware
Be careful, they may cancel your policy without providing notice or an option to correct the issue.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Travelers is the best car insurance company for Arizonans looking to customize their policies. The insurer offers a wide variety of coverages, including non-owner insurance, which can be useful for drivers renting or borrowing a car. It also offers new-car replacement coverage, gap insurance, and accident forgiveness. But if you’re looking for rideshare coverage, you’ll need to pick a different insurer.
Pros
AM Best financial strength rating of A++ (Superior)
Not the lowest rates in Arizona
Gap insurance and accident forgiveness available
Cons
Doesn’t offer rideshare coverage
Lowest J.D. Power customer satisfaction rating in the Southwest
Above-average number of complaints with the NAIC
Our editorial team analyzed regional and national auto insurance companies that sell policies in Arizona to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Arizona
Comparing Arizona insurers can help you find the right fit for your coverage needs and budget. Here are some tips to keep in mind when shopping for the best policy.
Consider your coverage needs
Arizona drivers need to carry the state-minimum car insurance. But it’s also important to think about how much coverage you need and any special types of coverages needed, like gap insurance. Understanding your requirements up front helps narrow down your options to insurers that excel in these coverage areas.[1]
Take advantage of discounts
Car insurance discounts are one of the best ways to optimize your policy. Just about every insurer offers discounts, and some offer many. Research available discounts from the companies you’re considering, and ask your insurer or insurance agent which you qualify for. Adding just one or two discounts to your car insurance policy can make it much more affordable.
Check customer reviews and ratings
Always take the time to look at customer reviews and ratings of any car insurance companies you’re considering. Check sites like Trustpilot, Google Reviews, and ConsumerAffairs. This is a good way to see if your potential car insurance company is reliable and offers good customer service.
Take a look at J.D. Power’s Auto Insurance Study to see where the insurer ranks in customer satisfaction. You should also see what grade AM Best has given your potential insurer — this indicates its ability to pay claims.[2]
Compare car insurance quotes
Car insurance companies weigh many factors differently to determine your rate, including your location, credit history, ZIP code, age, and driving history. So you might see higher rates or lower rates from different insurers for the same policy. It’s crucial to compare quotes from at least three insurers to find rates from the cheapest companies.
Average cost of car insurance in Arizona
The average cost of auto insurance in Arizona is $92 per month for liability coverage and $173 per month for full-coverage car insurance. Both of these rates fall slightly below the national averages of $105 for liability coverage and $199 for full coverage.
But Arizona car insurance costs are increasing, much like costs in many other states. From December 2023 to June 2024, the average annual car insurance cost in Arizona increased from $1,792 to $2,026. And rates were expected to increase to $2,195 by the end of 2024.
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Based on 3,806+ reviews
4.8/5
Best car insurance in Arizona FAQs
If you still have questions about how to find the best car insurance in Arizona, check out the additional information below.
How much is car insurance in Arizona?
Car insurance in Arizona costs an average of $92 per month for liability coverage and $173 per month for full coverage, Insurify data shows.
What are the best car insurance companies in Arizona?
State Farm, Auto-Owners, USAA, Nationwide, and Travelers are the best car insurance companies in Arizona. But each of these insurers is suited to different types of drivers. While State Farm might be the best option for your neighbor, Nationwide might be a better option for you. Always compare quotes and coverage before buying an insurance policy. Remember, the cheapest car insurance company isn’t always the best fit.
What is the required auto insurance coverage amount in Arizona?
In Arizona, the minimum car insurance coverage required is $25,000 per person and $50,000 per accident in bodily injury liability. You also need to carry at least $15,000 in property damage liability coverage. But in most cases, you should carry full-coverage insurance for the most protection.[3]
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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