Best Car Insurance in Arizona (2025)
State Farm, Nationwide, and Travelers are three of the best car insurance companies in Arizona.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
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.
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Edited bySarah Archambault
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Experienced personal finance writer
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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
Table of contents
Drivers in the Grand Canyon State have different coverage needs and priorities. Arizona drivers pay an average of $93 per month for a liability policy, slightly lower than the national average rate of $100.
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
| User Reviews | 4.1 |
|---|---|
| IQ Score 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. | $94/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. | $129/mo |
4.1
Best choiceBased on 12,691 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 (6,548)
Betty
Verified Review
I Love Them and They Have Always Treated Me Well
Reviewed in Ohio on December 2025
They are great. I couldn't ask for better car insurance. I've been with them for a few years and I never change to anyone else. They are an excellent car insurance company and they treat you well.
Elaine
Verified Review
My agent is wonderful but I need a better rate
Reviewed in Arizona on December 2025
My car insurance went up every year.
Rhonda
Verified Review
Curious
Reviewed in Alabama on December 2025
Good customer service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
Offers wide variety of bundling opportunities
Below-average number of complaints with the NAIC
Above-average J.D. Power customer and claims satisfaction rating in the Southwest
Cons
Not the cheapest coverage option in Arizona
Doesn’t offer accident forgiveness
Payoff Protector (gap) coverage only available to customers who originate an auto loan through State Farm Bank
Auto-Owners: Best car insurance company for affordability
| User Reviews | 4.3 |
|---|---|
| IQ Score 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. | 8.2 /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. | $76/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. | $105/mo |
4.3
Best choiceBased on 259 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 (131)
Eugene
Verified Review
Insurance Company Issues
Reviewed in Iowa on November 2025
Cannot get information from the company. You go through an agent, and they don't get back to you. If you ask for a change on the policy, they start a new policy, which increases the cost you have to pay.
Chick
Verified Review
Disappointed! Would rather have TALKED to an actual person!
Reviewed in Wisconsin on November 2025
It has been excellent! I just wanted to compare prices, but unfortunately, I insure 6 vehicles and your website doesn’t allow me to include them all!
Ron
Verified Review
For now, USAA is too far away
Reviewed in Georgia on November 2025
My current insurance is through a broker in the next town, and although they are higher than USAA, I like that I can go into their office, sit, ask questions, and look at the person giving me the answers. I'm not comfortable dealing online with a company far away. I haven't made my final decision, but if USAA was significantly cheaper, I would consider them, even though my current insurance is higher. I like that I can go into their office and talk face-to-face, so I need to make my decision quickly. I'm leaning towards staying with my current insurance so I have more time to research and see if I can get comfortable with USAA, which is miles away and requires doing everything online. Even if they have offices, like in Atlanta, it's 2.5 hours away, and Nashville is 4.5 or 5 hours away. My insurance broker is currently 9 miles from my house.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46A.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 quote and purchase a policy
USAA: Best car insurance company for military members and their families
| User Reviews | 4.9 |
|---|---|
| IQ Score 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. | 9.1 /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. | $105/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. | $145/mo |
4.9
Best choiceBased on 2,433 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 (1,320)
Dennon
Verified Review
Top Notch Company
Reviewed in Florida on December 2025
Excellent in all respects. I've been with USAA for over 5 years and haven't had a single issue.
Richard
Verified Review
Really good
Reviewed in Kansas on December 2025
The cheapest insurance I can find. Others are over 100 bucks a month more.
Marcus
Verified Review
Expanded Customer Base Affected Rates
Reviewed in Florida on December 2025
Average. Ever since they expanded to all military members, the rates have increased from $100 per month for my three cars to $400 a month.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.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 active-duty military members, veterans, and their families. It offers numerous special discounts and coverages exclusively to the military community. 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 members of the military community
Has limited number of local offices in Arizona
Higher-than-average number of complaints with the NAIC
Allstate: Best car insurance company for discounts
| User Reviews | 3.9 |
|---|---|
| IQ Score 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. | $157/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. | $215/mo |
3.9
A solid optionBased on 7,728 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 (3,935)
David
Verified Review
ALLSTATE 1125
Reviewed in Illinois on December 2025
They have been very helpful under my circumstances.
Terry
Verified Review
My Allstate
Reviewed in Minnesota on December 2025
I think it's too expensive.
Kyle
Verified Review
Poor
Reviewed in South Carolina on December 2025
They keep increasing my premium even though I have not caused any accidents.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
633NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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
Rates may be higher than some competitors
Travelers: Best car insurance company for customization
| User Reviews | 4.8 |
|---|---|
| IQ Score 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. | $162/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. | $223/mo |
4.8
Best choiceBased on 1,001 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 (505)
Tom
Verified Review
Cost of Insurance
Reviewed in Pennsylvania on November 2025
I have been with Travelers since 1969. I'm 80 years old, a Vietnam veteran. Rates are too high.
Roy
Verified Review
The customer service is great. Prices are terrible
Reviewed in Oregon on November 2025
They keep raising the prices.
Janet
Verified Review
I don't need more stress
Reviewed in South Carolina on November 2025
I have had issues with their billing. Because my payment was a few dollars off, they canceled my policy. Too much stress.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
565NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0A.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)
Offers numerous discounts and bundling opportunities
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 financial strength rating 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 $93 per month for liability coverage and $156 per month for full-coverage car insurance. Both of these rates fall slightly below the national averages of $100 for liability coverage and $177 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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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 $93 per month for liability coverage and $156 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]
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Sources
- Insurance Information Institute. "How to find the right auto insurance."
- Insurance Information Institute. "Choosing an insurance company."
- Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
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Danny Smith
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.
Edited bySarah Archambault
Experienced personal finance writer
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.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.