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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Danny Smith
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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MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
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.

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Drivers in the Grand Canyon State have different coverage needs and priorities. Arizona drivers pay an average of $88 per month for a liability policy, slightly lower than the national average rate of $98.

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.
$59/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.
$107/mo
4.0
Best choice in ArizonaBased on 18,282 verified driver reviews and ratings
State Farm's score
Industry average
Coverage options4.03.2
Customer service4.03.6
Discounts3.62.9
Policy transparency3.83.1
Value3.62.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Arizona for
Customer service
Competitive rates
Discounts for safe drivers
Showing 52 reviews from Arizona driversSee all 7,584 State Farm reviews
Rosemary
Verified Review
Premium Price
Not satisfied with a recent claim, a no-fault, only one I have had in 40 years, and they increased my insurance premium by $400 a year. No thank you, I will be shopping for something at a better price, possibly for seniors.
Ted
Verified Review
SF Satisfaction
I haven’t had any claims, so not much info, good or bad.
Alexander
Verified Review
Excellent policy and customer service
Excellent coverage options and great flexibility to find the insurance I need for my family. More coverage options than other large insurance companies.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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
  • 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
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.
8.2 /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.
$48/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.
$87/mo
3.8
A solid option in ArizonaBased on 338 verified driver reviews and ratings
Auto-Owners's score
Industry average
Coverage options4.33.2
Customer service4.33.6
Discounts3.92.9
Policy transparency4.43.1
Value4.12.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Arizona for
Cheap rates
Senior drivers
Ample discounts
Showing recent national reviewsSee all 150 Auto-Owners reviews
James
Verified Review
Does not take care of business. People they send for damage repair are way off base on their pricing
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Twitty
Verified Review
Good company, just the rates are too expensive
Uneventful.
Darryl
Verified Review
Insurance Shopping
Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
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 quote and purchase a policy

USAA: Best car insurance company for military members and their families

User Reviews
4.2
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.
$66/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.
$119/mo
4.2
Best choice in ArizonaBased on 3,671 verified driver reviews and ratings
USAA's score
Industry average
Coverage options4.13.2
Customer service4.23.6
Discounts3.92.9
Policy transparency4.03.1
Value3.82.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Arizona for
Members of the military community
Outstanding customer service
Competitive rates
Showing 13 reviews from Arizona driversSee all 1,581 USAA reviews
Parley
Verified Review
If you have no claims, it's very good. But if you have one small claim, even with no tickets and your first small accident in 70+ years of driving, they still tripled my policy fees. I'm very angry with them.
If you have no claims, it's very good. But if you have one small claim, even with no tickets and your first small accident in 70+ years of driving, they still tripled my policy fees. I'm very angry with them.
Glenn
Verified Review
Price
Too expensive.
Wayne
Verified Review
Wonderful customer service
Very responsive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
733
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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 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.
$99/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.
$178/mo
3.9
A solid option in ArizonaBased on 10,835 verified driver reviews and ratings
Allstate's score
Industry average
Coverage options3.93.2
Customer service3.93.6
Discounts3.62.9
Policy transparency3.73.1
Value3.52.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Arizona for
Accident forgiveness
Wide availability
Cheap rates
Showing 17 reviews from Arizona driversSee all 4,452 Allstate reviews
Roberta
Verified Review
Looking for better insurance
It is very expensive, and when I needed a new windshield, the person I spoke with was very rude and talked over me.
Charles
Verified Review
Unfair Pricing for Those on a Budget
They have a superior attitude and are unwilling to work with you because they think they are better than you. Some of us are on a budget and have little cash to live on month to month, and they don’t care as long as they get their money. They are unwilling to even try to help you. I now pay almost $500 a month for my insurance, and that’s unfair for somebody on disability.
Crystal
Verified Review
Great for families, could give singles a break
Allstate was excellent for a multi-user, multi-car policy with homeowners. Unfortunately, after my spouse passed away, the cost for just one vehicle and renters was almost twice what we had paid for all of the above.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
633
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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

  • Rates may be higher than some competitors

Travelers: Best car insurance company for customization

User Reviews
4.2
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.
$102/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.
$184/mo
4.2
Best choice in ArizonaBased on 1,512 verified driver reviews and ratings
Travelers's score
Industry average
Coverage options4.23.2
Customer service4.33.6
Discounts3.72.9
Policy transparency4.23.1
Value3.82.9
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.

Based on analysis of verified reviews collected by Insurify

Best in Arizona for
Numerous discounts
Gap insurance
Rideshare coverage
Showing 4 reviews from Arizona driversSee all 610 Travelers reviews
Monica
Verified Review
Expensive Travelers
I'm with Travelers and they are just too expensive for the coverage.
Richard
Verified Review
Happy Customer
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
Car insurance is overpriced considering I was able to find quotes for half the monthly cost.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
565
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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)

  • 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.

    illustration card https://a.storyblok.com/f/162273/x/2d92436d68/protection-for-your-car.svg

    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]

    illustration card https://a.storyblok.com/f/162273/x/d980bd9cc4/membership.svg

    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.

    illustration card https://a.storyblok.com/f/162273/150x150/243feaaa23/contact-us-96x96-orange_033-rating.svg

    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]

    illustration card https://a.storyblok.com/f/162273/150x150/8329623678/money-96x96-blue_025-online-money.svg

    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 $88 per month for liability coverage and $162 per month for full-coverage car insurance. Both of these rates fall slightly below the national averages of $98 for liability coverage and $187 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 $88 per month for liability coverage and $162 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]

Sources

  1. Insurance Information Institute. "How to find the right auto insurance."
  2. Insurance Information Institute. "Choosing an insurance company."
  3. Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
Danny Smith
Written byDanny SmithInsurance Writer
Photo of an Insurify author
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

media logo

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.

MacKenzie Korris
Edited byMacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
MacKenzie Korris
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
  • Licensed property and casualty insurance agent

  • 10+ years editing experience

  • NPN: 21630969

MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.

Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Mark Friedlander
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.

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