Best Car Insurance in Arizona (2026)
State Farm, Nationwide, and Travelers are three of the best car insurance companies in Arizona.
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Excellent
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Written byDanny Smith
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Danny SmithInsurance Writer
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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Sarah ArchambaultInsurance Writer, Editor
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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Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated
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We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Table of contents
Drivers in the Grand Canyon State have different coverage needs and priorities. Arizona drivers pay an average of $94 per month for a liability policy, slightly lower than the national average rate of $99.
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 | 4.0 |
|---|---|
| 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. | $85/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. | $128/mo |
4.0
Best choice in ArizonaBased on 15,982 verified driver 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 in Arizona 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 in Arizona for
Customer service
Competitive rates
Discounts for safe drivers
Showing 58 reviews from Arizona drivers - See all 7,209 State Farm reviews
Kimberli
Verified Review
Expensive and Inexperienced
Reviewed in Arizona on March 9, 2026
My insurance rates increased even though I had no accidents. When I called customer service at the office I'm insured with, they seemed inexperienced and unhelpful.
Ernie
Verified Review
State Farm is Great
Reviewed in Arizona on March 9, 2026
Overall, I was trying to get quotes from several insurance companies. I had a third-party agent who contacted several insurance companies, but she wasn't able to find me a quote for less than $150 a month, which would be my monthly payment. That's crazy for an old car like my 1999 Honda Accord EX, and at the time, my car wasn't insured. So, I started my own search. I found State Farm, and let's just say I was able to get insured for less than $100. I paid that for 5 months. Before my birthday on February 1st, I called and spoke to an agent, and she was able to reduce my monthly payment to $47 and change.
Don
Verified Review
Liberty Woes
Reviewed in Arizona on February 24, 2026
I feel like I'm being punished for a car accident where I was hit from behind, which totaled my 2012 Jeep Liberty Limited and pushed me into the car in front of me. The other driver also had State Farm. I received $7,100 to get another 2012 Liberty Sport. Now, my monthly insurance with State Farm is $146, up from $80. Other companies, like Progressive, see the totaled Jeep and won't insure my current Jeep (same year, too confusing for them?).
Pat
Verified Review
Change of Agent
Reviewed in Arizona on February 24, 2026
I am sorry that the previous agent retired, but my new agent seems equally helpful.
Gabriel
Verified Review
Good Guy
Reviewed in Arizona on February 13, 2026
It was good. I forgot the name of the guy, but he really helped me. He was at one on Cardinal and Valencia. Yeah, he was very helpful and went out of his way for me. Thank you so much.
Rom
Verified Review
2000 Mustang Coverage
Reviewed in Arizona on February 11, 2026
Since my car is 26 years old, State Farm offers me comprehensive coverage, whereas other auto insurance carriers don't offer comprehensive coverage.
Anna
Verified Review
Not Senior Friendly
Reviewed in Arizona on February 10, 2026
Premiums are way too high for senior citizens. Agents don’t offer any kind of discounts or advice on how to lower your premium.
Karen
Verified Review
Content for now!
Reviewed in Arizona on January 19, 2026
Overall reasonable prices. What I don't like is an increase every 6 months. Only a few bucks, but annoying when I've had no claims.
Joan
Verified Review
Excellent
Reviewed in Arizona on January 14, 2026
They have been great to me, but I think it’s very expensive.
…
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. | $69/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. | $104/mo |
4.3
Best choice in ArizonaBased on 313 verified driver 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 in Arizona 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 in Arizona for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviews - See all 146 Auto-Owners reviews
Wayne
Verified Review
Cost too much for someone who never had a claim
Reviewed in Florida on March 2, 2026
Never had a claim.
Paul
Verified Review
Auto Owners
Reviewed in Michigan on February 10, 2026
Auto Owners' rates have increased year after year.
Warren
Verified Review
Punishment for 65+ years of no problems.
Reviewed in South Carolina on February 1, 2026
I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.
…
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. | $95/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. | $144/mo |
4.9
Best choice in ArizonaBased on 3,167 verified driver 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 in Arizona 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 in Arizona for
Members of the military community
Outstanding customer service
Competitive rates
Showing 10 reviews from Arizona drivers - See all 1,487 USAA reviews
Kenneth
Verified Review
Agents stepped up and helped when I needed help
Reviewed in Arizona on March 11, 2026
It's getting less expensive.
Ritchie
Verified Review
Need cheaper coverage
Reviewed in Arizona on February 17, 2026
I would like to have full coverage at a cheaper rate.
Sally
Verified Review
Smiling
Reviewed in Arizona on January 12, 2026
Very happy with USAA.
James
Verified Review
USAA
Reviewed in Arizona on January 5, 2026
Good except it is expensive and we don't drive that much at our age.
Cindy
Verified Review
Claims
Reviewed in Arizona on December 22, 2025
Great roadside services and great in handling my claim for a broken windshield.
Eric
Verified Review
Doubled my premiums
Reviewed in Arizona on December 1, 2025
After several years of using USAA and being a vet, they doubled my cost of insurance after one small accident. I am not happy about that.
Philip
Verified Review
Great Customer Service
Reviewed in Arizona on November 18, 2025
Very good.
Edgar
Verified Review
Happy
Reviewed in Arizona on November 8, 2025
If you qualify, USAA is great at a decent price.
Remmington
Verified Review
Sometimes No Discounts - After 34 Years with Them
Reviewed in Arizona on October 26, 2025
Better than most, but charges too much sometimes.
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 | 3.8 |
|---|---|
| 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. | 8.9 /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. | $141/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. | $214/mo |
3.8
A solid option in ArizonaBased on 9,570 verified driver 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 in Arizona 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 in Arizona for
Accident forgiveness
Wide availability
Cheap rates
Showing 19 reviews from Arizona drivers - See all 4,293 Allstate reviews
Sara
Verified Review
Don't Choose Allstate
Reviewed in Arizona on March 3, 2026
With Allstate, there's no accident forgiveness. If you're about to get in an accident, make it a big one because they'll raise your rate the next day.
Richard
Verified Review
High rates
Reviewed in Arizona on February 8, 2026
Great company. Premiums are a little too much, especially when you have no claims, ever.
Judy
Verified Review
Excellent
Reviewed in Arizona on January 31, 2026
Too expensive.
Don
Verified Review
Excellent
Reviewed in Arizona on January 12, 2026
It is perfect for me. I know I am covered by a good policy and great people if I need help.
Robert
Verified Review
Allstate local office provided very good customer service, but...
Reviewed in Arizona on January 11, 2026
Allstate is more expensive than alternatives. They also don't provide coverage for RVs or motorcycles.
Yolanda
Verified Review
Too expensive for just the car payments
Reviewed in Arizona on January 1, 2026
Allstate has much higher monthly payments.
Dennis
Verified Review
Good
Reviewed in Arizona on November 21, 2025
Premiums are a bit high.
Steve
Verified Review
Allstate: Your Car, Home, and Personal Property
Reviewed in Arizona on November 11, 2025
Allstate is doing a great job. Always overpriced, but you need that for security.
Priscilla
Verified Review
Unhappy
Reviewed in Arizona on October 31, 2025
I find it outrageously high for just liability.
…
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 | 4.7 |
|---|---|
| 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. | $146/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. | $222/mo |
4.7
Best choice in ArizonaBased on 1,290 verified driver 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 in Arizona 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 in Arizona for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 7 reviews from Arizona drivers - See all 568 Travelers reviews
Richard
Verified Review
Happy Customer
Reviewed in Arizona on January 15, 2026
Travelers Insurance Company is a wonderful company to work with. They have excellent customer service and provide very quick responses on claims. They are always willing to do what it takes to make their customers happy and ensure things are made right.
Steve
Verified Review
Good
Reviewed in Arizona on January 1, 2026
Car insurance is overpriced considering I was able to find quotes for half the monthly cost.
Michael
Verified Review
The auto insurance industry brags about their lower prices. The agents are friendly, but the prices aren’t.
Reviewed in Arizona on December 28, 2025
The auto insurance industry brags about their lower prices. The agents are friendly, but the prices aren’t.
Joanne
Verified Review
Satisfied customer to date
Reviewed in Arizona on May 6, 2025
So far, so good. Nothing negative to say at this time.
Gwen
Verified Review
Good Insurer
Reviewed in Arizona on April 28, 2025
Had no issues with their service. I had one glass claim during my time with them, and it was handled efficiently. I left because I found better coverage for $400 less.
Barbara
Verified Review
High Payments for My 2007 Toyota SUV
Reviewed in Arizona on March 26, 2025
My payments are too high.
Stephen
Verified Review
Poor
Reviewed in Arizona on March 13, 2025
It's too expensive compared to other providers.
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 $94 per month for liability coverage and $159 per month for full-coverage car insurance. Both of these rates fall slightly below the national averages of $99 for liability coverage and $173 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 $94 per month for liability coverage and $159 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 SmithInsurance Writer
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.
Featured in
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.
Sarah ArchambaultInsurance Writer, Editor
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
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.