Best Car Insurance in Arizona (2026)
State Farm, Auto-Owners, and Progressive top our list of the best insurers in the Grand Canyon State.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
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Written byMary Beth Eastman
)
Mary Beth EastmanFreelance Insurance Writer
10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byMark 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
Updated
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Best car insurance companies in Arizona
Insurify analyzed 120+ car insurance companies to determine the best car insurance companies in Arizona. Five insurers topped our list based on price, available discounts, Insurify Quality (IQ) Score, customer service, and industry ratings: State Farm, Auto-Owners, Progressive, GEICO, and Travelers.
State Farm: Best overall
| 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. | $60/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 |
4.1
Best choice in ArizonaBased on 20,739 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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
Showing 68 reviews from Arizona driversSee all 8,039 State Farm reviews
Verified Review
Reviewed in Arizona on August 23, 2026
I have to request things more than once, and the agency staff needs more training.
Verified Review
Reviewed in Arizona on August 17, 2026
I think it’s too expensive. I keep reading about all the advantages I should have because of my age, clean driving record, and the fact that it’s a collection car that’s seldom driven.
Verified Review
Reviewed in Arizona on August 1, 2026
Too expensive.
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 offers affordable coverage and personalized service across Arizona. State Farm ranks above the regional average for customer satisfaction in the J.D. Power U.S. Auto Insurance Study, and it receives fewer consumer complaints than expected for a company of its size, according to data from the National Association of Insurance Commissioners (NAIC).
Pros
Low average rates in Arizona, according to Insurify data
Lower number of consumer complaints
Above-average rating for customer satisfaction
Cons
Gap insurance not available
Other insurers offer cheaper average rates
An agent must finalize your policy
Auto-Owners: Best 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. | $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. | $85/mo |
4.3
Best choice in ArizonaBased on 359 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
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
Showing recent national reviewsSee all 156 Auto-Owners reviews
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
Verified Review
Reviewed in North Carolina on August 1, 2026
Very easy to deal with.
Verified Review
Reviewed in Florida on July 30, 2026
Good. I never had to file a claim.
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
In Arizona, Auto-Owners has some of the cheapest average rates for liability and full-coverage insurance, according to Insurify data. The company’s low rates apply to a wide range of drivers, including drivers with a ticket or an accident on their record and rideshare drivers.
Pros
Below-average number of customer complaints with the NAIC
Accident forgiveness available
Optional additional expense, gap, and road-trouble coverages
Cons
Ranks below regional average in the J.D. Power U.S. Auto Insurance Study
Online quotes not available
Low Trustpilot rating
Progressive: Best for customization
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 614 |
|---|---|
| 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. | 8.7 /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. | $108/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 75 reviews from Arizona driversSee all 8,996 Progressive reviews
Verified Review
Reviewed in Arizona on August 29, 2026
I’ve been very happy with Progressive. I’m switching next year because it will cover me while I’m in Mexico.
Verified Review
Reviewed in Arizona on August 23, 2026
I no longer have Progressive. My policy was switched to Liberty Mutual, and I’m saving more.
Verified Review
Reviewed in Arizona on August 13, 2026
Despite never filing a claim in my life and driving less than 1,000 miles per year, they keep raising my premiums.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Arizona drivers who want to tailor their auto insurance policy can choose from a wide variety of optional coverages with Progressive. Add-ons include less common options such as loan/lease payoff, trip interruption, pet injury coverage, and customized car parts coverage, as well as more standard choices like roadside assistance and rental car reimbursement.
You can manage your policy online or through a rep or agent for more flexibility. Progressive offers agents in more than 60 cities across Arizona.
Pros
Arizona drivers receive an average of seven discounts, according to Progressive
Bundling discounts could save more than 25%, on average
AM Best financial strength rating of A+ (Superior)
Cons
Ranked below regional average in the J.D. Power U.S. Auto Insurance Study
Poor driving with Snapshot could push rates higher
Teen discount applies after one year
GEICO: Best for discounts
| 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. | 9.2 /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. | $82/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. | $140/mo |
4.0
Best choice in ArizonaBased on 20,387 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Arizona for
Showing 38 reviews from Arizona driversSee all 8,116 GEICO reviews
Verified Purchase
Reviewed in Arizona on August 25, 2026
It was too hard to get into the Good Driver app.
Verified Review
Reviewed in Arizona on August 4, 2026
An average insurance company. Don’t expect great service. Pricing is middle of the road. They always seem to be looking for ways to charge more.
Verified Review
Reviewed in Arizona on August 3, 2026
Bad—it's almost impossible to speak with a real person.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
618
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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
GEICO offers multiple ways for drivers to earn lower auto premiums in Arizona. Standard options include multi-vehicle and multi-policy discounts, but you could also save by shopping for coverage before you need it, keeping a clean driving record, or paying in full up front.
Teens could qualify for a good student discount, while drivers 55 and older could save by taking a defensive driving course. Considering Arizona has a higher-than-average proportion of seniors, those savings could come in handy.
Pros
Optional mechanical breakdown coverage
Below-average number of complaints for an insurer of its size
AM Best financial strength rating of A++ (Superior)
Cons
Below-average J.D. Power claims satisfaction rating
Accident forgiveness requires five accident-free years
Mixed customer service reviews
Travelers: Best for safe drivers
| User Reviews | 4.5 |
|---|---|
| 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. | $103/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. | $182/mo |
4.5
Best choice in ArizonaBased on 1,788 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
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
Showing 4 reviews from Arizona driversSee all 659 Travelers reviews
Verified Review
Reviewed in Arizona on April 22, 2026
I'm with Travelers and they are just too expensive for the coverage.
Verified Review
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.
Verified Review
Reviewed in Arizona on January 1, 2026
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
Arizona drivers who always drive the speed limit and leave plenty of following room (even in congested Phoenix traffic) could score extra savings with Travelers. The company’s usage-based car insurance program, IntelliDrive, offers savings of up to 30% for drivers who enroll and install the app on their phone.
You could also save with the Travelers safe driver discount, which rewards you for a clean driving record and no major comprehensive claims.
Pros
Discounts for new cars, electric vehicles (EVs), homeowners, and continuous Travelers coverage
More than 600 agencies in Arizona
Accident forgiveness, gap coverage, new-car replacement, and limited rideshare coverages available
Cons
Riskier driving habits could raise your premium
More complaints than expected for a company of its size
Below-average J.D. Power claims and customer satisfaction ratings
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.
Average cost of car insurance in Arizona
The average cost of car insurance in Arizona is $126 per month, according to Insurify rate data. Full-coverage car insurance averages $163 per month, and liability-only coverage averages $90 per month.
Those costs are slightly lower than the national monthly averages of $187 for full coverage and $98 for liability-only coverage. They’re also slightly lower than rates in some neighboring states, including California, Colorado, and Nevada, but higher than in Utah and New Mexico, according to Insurify data.
Overall, Insurify data scientists expect car insurance rates to rise less than 1% in Arizona by the end of 2026, according to Insurify’s latest auto insurance report.
Several factors help drivers in the Grand Canyon State potentially pay less than the national average for car insurance. Auto thefts decreased about 25% from 2024 to 2025, according to an April 2026 report from the Arizona Automobile Theft Authority. The state’s auto theft rate (168 per 100,000 residents) is also lower than the national average (192 per 100,000 residents).[1]
Find Cheap Car Insurance in Arizona
AZ drivers pay $163/mo. for full-coverage policies
Excellent
4.7 out of 5 based on 16,841 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Arizona
Follow these tips to get the best car insurance in Arizona:
Consider your coverage
The state minimum liability requirement in Arizona is 25/50/15, which breaks down to $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 in property damage liability.[2] Many Arizona drivers could benefit from much higher limits, such as 100/300/100, for broader financial protection.
Save with safety features
Though Arizona’s overall auto theft rates are low, rates in some areas, like Tucson, are much higher. If you live in a ZIP code with higher auto theft rates, make sure your insurer knows about anti-theft devices in your vehicle.
Take a defensive driving course
Taking a defensive driving course could earn you a discount, like GEICO’s program for drivers older than 55. If you qualify for the Arizona Defensive Driving program, you could prevent points from accumulating on your license.
Compare rates
Rates vary widely from one insurer to another in Arizona. Compare car insurance quotes from at least three companies to make sure you find the best company for your situation.
Best car insurance in Arizona FAQs
Below are answers to some of the most frequently asked questions about car insurance in Arizona.
What insurer has the cheapest auto insurance in Arizona?
Auto-Owners consistently has the cheapest car insurance rates in Arizona, at $48 per month, according to Insurify rate data. The company’s low rates span most ages and driving records.
What is the average car insurance cost in Arizona?
The average cost of car insurance in Arizona is $126 per month. But your rate will vary based on your ZIP code, driving history, credit, and other factors.[3]
Why is Arizona car insurance so high?
Although Arizona’s auto theft rates and uninsured motorist rates are lower than the national average, the state is No. 2 in motor vehicle crash deaths per mile driven, according to data from the Insurance Institute for Highway Safety.
How can you lower your car insurance costs in Arizona?
Arizona drivers have several options for lowering their costs. Consider signing up for usage-based insurance programs, like Snapshot or IntelliDrive. Ask your insurer for every discount you may qualify for. Maintain a clean driving record and take a defensive driving course when applicable.
Sources
- Arizona Auto Theft Authority. "Vehicle Thefts Decrease by 23% Nationwide in 2025."
- Arizona Department of Insurance & Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Insurance. "How Insurance Companies Use Credit Information."
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Cheap Full-Coverage Car Insurance in Arizona
Arizona drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates of $85 per month.
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Cheapest Liability Car Insurance in Arizona
Arizona drivers can find the cheapest liability-only car insurance from Auto-Owners, with an average rate of $48 per month.
Cheapest Car Insurance Quotes in Arizona
Auto-Owners offers the cheapest car insurance in Arizona, with an average monthly liability rate of $48. See real quotes from top Arizona insurers and buy online with help from our licensed agents.
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Cheap Auto Insurance in Casa Grande, Arizona
Auto-Owners offers the cheapest car insurance in Casa Grande, with minimum-coverage policies as low as $46 per month.
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Cheapest Auto Insurance in Chandler, Arizona
Auto-Owners offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $50 per month.
)
Cheapest Auto Insurance in Flagstaff, Arizona
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $38 per month.
)
Cheap Auto Insurance in Glendale, Arizona
Auto-Owners offers the cheapest car insurance in Glendale, with minimum-coverage rates starting at $63 per month.
)
Cheapest Auto Insurance in Lake Havasu City, Arizona
Auto-Owners offers the cheapest car insurance in Lake Havasu City, with rates as low as $34 per month.
Cheap Car Insurance Quotes in Mesa, Arizona (August 2026)
Auto-Owners offers the cheapest insurance in Mesa, with an average rate of $51 per month. In Mesa, main corridors like I-70, North Ave, and Patterson Road account for a high number of crashes.
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Cheapest Car Insurance Quotes in Phoenix (August 2026)
Auto-Owners offers the cheapest car insurance in Phoenix, averaging $66 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
)
Cheap Auto Insurance in Scottsdale, Arizona
Auto-Owners offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $51 per month.
)
Cheapest Auto Insurance in Tempe, Arizona
Auto-Owners has the cheapest liability car insurance in the state, with a rate of $56 per month.
Cheap Car Insurance Quotes in Tucson (August 2026)
Auto-Owners offers the cheapest car insurance in Tucson, with rates of $46 per month. Car insurance rates in Tucson are usually slightly cheaper than the Arizona state average.
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Cheapest Auto Insurance in Yuma, Arizona
Auto-Owners has the cheapest car insurance in Yuma, with rates of $38 per month.
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Mary Beth EastmanFreelance Insurance Writer
10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert