You can’t go wrong with Arizona car insurance from USAA or Geico.
Advertiser Disclosure
To help you find the best car insurance in Arizona, we’ve ranked a number of the top insurance companies on things like discounts, customer service, availability, and financial strength. In our ranking of the best car insurance companies, USAA and Geico took the top two spots.
USAA and Geico also happen to be our two main recommendations for Arizona car insurance – both offer good prices and coverage options for Arizonans. Use the tool below to collect and compare car insurance quotes from providers available in your state.
In this article:
What Is The Cheapest Car Insurance In Arizona?
According to our full coverage rate estimates, Geico is the cheapest car insurance in Arizona for 35-year-old drivers with good credit and clean driving records. After that, USAA and Progressive are both cheap options.
| Car Insurance Provider | Average Annual Cost Estimate |
|---|---|
| Geico | $1,099 |
| USAA | $1,246 |
| Progressive | $1,277 |
| State Farm | $1,485 |
| Travelers | $1,543 |
| American Family Insurance | $1,569 |
| AAA | $1,629 |
What Is The Average Cost Of Car Insurance In Arizona?
According to the National Association of Insurance Commissioners (NAIC), the national average car insurance expenditure was $1,057 per year in 2018. Luckily, drivers in the Grand Canyon State only paid an average of $1,046.
| Type of Coverage | Average Annual Expenditure in 2017 |
|---|---|
*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Arizona drivers actually spent on auto insurance in 2018.
Annual Arizona Car Insurance Estimates By Age
According to our full-coverage rate estimates, a 24-year-old in Arizona can pay 55 percent more for car insurance than a 34-year-old.
| Age | Arizona Annual Car Insurance |
|---|---|
| 24 | $2,563 |
| 35 | $1,658 |
Annual Arizona Car Insurance Estimates By Gender
Your gender only slightly affects car insurance prices in Arizona. According to our estimates, men pay two percent more for car insurance on average.
| Gender | Arizona Annual Car Insurance |
|---|---|
| Female | $1,642 |
| Male | $1,674 |
Annual Arizona Car Insurance Estimates For Drivers With Bad Credit
Arizona allows car insurance companies to use your credit report when calculating risk. A fair score can raise your rate by 29 percent, and a poor score can raise your rate by as much as 125 percent.
| Credit Rating | Arizona Annual Car Insurance |
|---|---|
| Good | $1,658 |
| Fair | $2,140 |
| Poor | $3,733 |
Annual Arizona Car Insurance Estimates For Bad Drivers
A speeding ticket can raise your car insurance in Arizona by 33 percent, while an accident can raise it by 52 percent. That’s why it pays to drive safe and slow.
| Driving Record | Arizona Annual Car Insurance |
|---|---|
| Clean | $1,658 |
| Speeding Ticket | $2,198 |
| At-Fault Accident | $2,515 |
| DUI | $2,590 |
5 Best Arizona Car Insurance Providers
To find the best car insurance in Arizona, we went through our top car insurance providers and re-examined them in light of Arizona laws and guidelines. We also reviewed average rates for Arizona drivers to determine which company offers the lowest auto insurance rates. Here is what we found on our top five choices:
| Best Arizona Car Insurance | Motor1 Rating | Average Cost Estimate |
|---|---|---|
*Not all providers were included in our rate estimates for each state. Also, you may notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking for this article looks specifically at what insurance providers are best for Arizona car insurance.
#1 Geico: Cheapest Car Insurance In Arizona
Geico is our top recommendation for Arizona car insurance. The company is the second-largest insurance provider in the U.S., and it wrote over $33 billion in insurance premiums in 2020, according to the NAIC. Across different pricing situations, Geico tends to be one of the more affordable options. It’s also a great choice for people who have an accident on their record.
Beyond standard car insurance in Arizona, Geico policyholders can get roadside assistance and rental car reimbursement. If you just purchased a new car, you can also take advantage of an extra coverage option from Geico that not many other Arizona car insurance companies offer. It’s called mechanical breakdown insurance (MBI), and it’s similar to an extended car warranty.
Geico’s customer service reputation is good, but not as good as USAA’s. For example, Geico ranked highly across the board on the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, which is admirable. However, its score on the J.D. Power 2021 Insurance Shopping Study℠ was just below the industry average. Geico has an A+ rating from the BBB.
“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”
-Kenneth A. via BBB
Lastly, Geico does have a usage-based discount option through its DriveEasy app, which is available in Arizona.
| Pros | Cons |
|---|---|
| A+ rating from the BBB and A++ financial strength rating from AM Best | |
| Many choices for coverage | |
| High level of customer satisfaction | |
| Available in 50 states |
To learn more about the car insurance provider, check out our full Geico review. For a direct comparison between coverage from the two providers, see our review of Geico vs. USAA.
#2 USAA: Best For Military Drivers
If you can qualify for USAA car insurance, you could end up paying well below the state average. Of course, every driver’s situation is unique. Prices are tied to your zip code, the type of car you drive, your driving records, and more. The only way to know exactly what you’ll pay is to get an auto insurance quote.
There is one downside to USAA – its membership is selective. You can qualify for USAA if you are a military member, veteran, or close family member of someone who is.
USAA consistently scores high on customer satisfaction studies and surveys from around the industry. It scored highly on two of J.D. Power’s studies, with a score of 909 out of 1,000 on the 2021 U.S. Auto Claims Satisfaction Study. It also got a score of 902 out of 1,000 on the 2021 U.S. Insurance Shopping Study, which was the highest score overall.
What that means is that USAA does a great job of responding to claims, communicating with customers throughout the process, and returning customers’ cars quickly.
USAA members shopping for car insurance in Arizona can try out the company’s usage-based option called SafePilot. The app tracks things like hard braking, sharp corners, and phone usage while driving.
| Pros | Cons |
|---|---|
| Affordable rates and numerous discounts | |
| Good choice for military service members | |
| Superior financial strength rating and A+ rating from the BBB | |
| Nationwide availability |
To learn more about the car insurance provider, check out our complete USAA insurance review.
#3 State Farm Auto Insurance
State Farm is another strong contender to underwrite car insurance in Arizona. Some things that make this provider especially attractive include its wide variety of discounts, a usage-based safe driving program, and affordable rates.
Here are some money-saving features that could make State Farm a good choice:
- Steer Clear®: This safe driving education course is for drivers under 25 years old and provides discounted rates upon completion.
- Drive Safe & SaveTM: This usage-based safe driving program monitors your driving habits through an app on your phone. The data collected by the app can only help you save on car insurance. It will never work against you.
If you’re looking for high liability coverage limits, State Farm has you protected with coverage limits up to 500/500/500. With limits like these, you won’t have to worry about not having enough liability coverage to satisfy a state’s minimum requirements.
Along with standard car insurance in Arizona, you can get things like rental and travel expense coverage, rideshare coverage, and roadside assistance.
| Pros | Cons |
|---|---|
| Largest auto insurer in the country | |
| Many discounts for teens and students | |
| Superior financial strength rating | |
| Easy online quotes process |
Keep reading about the provider in our State Farm insurance review.
#4 The Hartford Car Insurance
The Hartford has a number of coverage plans available for AARP members looking for car insurance in Arizona. Hartford auto insurance is right for Arizona drivers who belong to the AARP and want to cover a classic or standard car. Hartford auto insurance might not be the right choice for you if you are a young driver or you do not want to become an AARP member.
The Hartford offers many insurance products that are purchasable in addition to your standard auto insurance policy, such as:
- Lifetime renewability: Once you get coverage from The Hartford, you will never be denied coverage so long as you continue paying all premiums, maintain a valid driver’s license, and meet other requirements.
- RecoverCare: Transportation, cleaning, cooking, and other costs associated with recovering from a car accident that causes injuries not covered by your health insurance or Medicare are covered.
- New car replacement: If you buy a new car and total it within 15 months/15,000 miles of purchase, The Hartford will write you a check for the price of a newer model with the same equipment.
- Accident forgiveness: Your premium will not increase after your first accident so long as you have been accident-free for five years.
- Disappearing deductible: Every year that you maintain a clean driving record, the collision deductible on your plan goes down $50 until it reaches $0.
| Pros | Cons |
|---|---|
| Excellent financial strength rating and A+ rating from the BBB | Only available to AARP members |
| Available in 50 states | |
| Lifetime renewability | |
| Discounted rates for people over age 50 |
Read our review of The Hartford insurance to find out more about the provider.
#5 Safeco Car Insurance In Arizona
Safeco is owned today by Liberty Mutual, but it has different coverage offerings and pricing. Safeco excels in car insurance for Arizona drivers who:
- Are parents of teenagers
- Value-free time and prioritize convenience
- Are looking for comprehensive benefits
Safeco offers standard insurance as well as coverage like accident forgiveness, rideshare insurance, and custom equipment coverage. You can also get an emergency assistance package that gives you up to $500 toward lodging and meals if your car breaks down more than 25 miles away from home.
Safeco also has a long list of discounts for families, especially those with young and student drivers. Here are a few discounts that can help make family car insurance in Arizona more affordable:
- Safeco RightTrack®: The Safeco app tracks your vehicle usage patterns like nighttime driving, how hard you brake, and how quickly you accelerate. These data points are then used to calculate car insurance rates. Avoiding aggressive driving and driving at night could reduce rates by up to 30 percent.
- Tenure reward: Adding a second driver to your policy could result in lower rates.
- New teen reward: Adding a new teen driver to your policy can lower your rates by up to 27 percent.
- Newly independent discount: When a young driver moves off of their parent’s policy and opens their own Safeco policy, the young driver receives a discount.
- Distant student discount: If your teen goes to school over 100 miles from home and doesn’t bring the insured car, your premium would be lowered.
| Pros | Cons |
|---|---|
| Independent agents who do price comparison shopping for you and customize policies | Cannot be purchased online |
| Number of insurance discounts available | Average customer service reviews |
Read our Safeco insurance review to learn about additional discounts.
What Is The Minimum Car Insurance Coverage In Arizona?
Arizona requires you to carry liability car insurance in the amounts of 25/50/15. This means:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability
This insurance covers injuries and vehicle damage for other people in accidents that you cause. The state minimum requirements won’t cover your own vehicle if you cause an accident or run into a stationary object. They also won’t cover your medical bills if you’re responsible. You’ll want to add the following coverages to have better protection:
- Comprehensive insurance
- Collision insurance
- Medical payments (MedPay) or personal injury protection (PIP)
Compare Arizona Car Insurance Quotes
From the majesty of the Grand Canyon to the rocky spires of Sedona, there’s a lot to see in Arizona. As a driver in the state, you want to know that you have the best Arizona car insurance possible. Here are the highlights of our top two insurance providers:
| #1 USAA Car Insurance | #2 Geico Car Insurance | |
|---|---|---|
To get started comparing your free quotes, simply enter your zip code below to get matched with the best Arizona car insurance rates:
FAQ: Car Insurance Arizona
Who has the cheapest car insurance in Arizona?
According to our rate estimates, Geico has the cheapest car insurance in Arizona with an average annual cost of $1,099 for full coverage. After Geico, USAA and Progressive are both cheap options.
What is the best auto insurance in Arizona?
After comparing multiple providers on price, coverage, and customer service, we rank Geico as the best option for auto insurance in Arizona. Not only does it provide the cheapest rates, but it also offers a wide range of coverage options and multiple discounts.
Why is Arizona car insurance so expensive?
Arizona car insurance can be expensive because about 12 percent of drivers are uninsured, according to the Insurance Information Institute. Also, drivers in Arizona are known for putting a lot of miles on their vehicles. More time on the road means more accidents and higher insurance costs.
Methodology
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.
Read our other insurance articles:
Keyword: Best Cheap Arizona Car Insurance Companies (2022 Guide)