- Best car insurance companies in Arizona
- Cheapest car insurance company in Arizona: Travelers
- Average cost of car insurance in Arizona
- Arizona car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Arizona
- Cheapest car insurance cost in Arizona by age
- Cheapest car insurance companies in Arizona by driver profile
- Compare auto insurance rates by city in Arizona
- Car insurance premium trends in Arizona
- Methodology
- Compare Arizona car insurance rates with other states
Best car insurance companies in Arizona
Auto-Owners is the best car insurance company in Arizona, based on our 2025 analysis, with an overall rating of 4.68. GEICO is the second-best auto insurance company in Arizona, with an overall rating of 4.53.
Below is a full list of the top Arizona insurance companies based on price, NAIC complaint ratio and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Auto-Owners | A+ | 659 | 0.54 | $1,539 | 4.68 |
| GEICO | A++ | 618 | 0.69 | $1,312 | 4.53 |
| Travelers | A++ | 565 | 0.52 | $1,489 | 4.08 |
| Nationwide | A | 618 | 0.63 | $1,726 | 4 |
| Progressive | A+ | 614 | 0.71 | $1,903 | 3.81 |
| State Farm | A++ | 646 | 0.79 | $2,233 | 3.76 |
| Allstate | A+ | 633 | 1.1 | $2,215 | 3.32 |
| Farmers | A | 599 | 0.86 | $2,331 | 3.06 |
| USAA | A++ | 733 | 1.18 | $1,581 | 4.24 |
Cheapest car insurance company in Arizona: Travelers
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Arizona and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, Travelers offers the cheapest full coverage car insurance in Arizona with rates of $1,707 annually or $143 a month on average.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| Travelers | $517 | $693 | $1,707 |
| GEICO | $435 | $692 | $1,796 |
| Progressive | $641 | $935 | $2,114 |
| Auto-Owners | $548 | $767 | $2,258 |
| Nationwide | $1,090 | $1,173 | $2,636 |
| Allstate | $683 | $1,123 | $2,846 |
| Farmers | $840 | $1,535 | $2,865 |
| State Farm | $776 | $1,082 | $2,883 |
| CSAA Insurance (AAA) | $1,098 | NA | $4,965 |
| USAA | $480 | $672 | $1,880 |
Average cost of car insurance in Arizona
The average car insurance rate in Arizona is $2,333 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Arizona is $662.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Arizona
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Sanders | $997 | $83 |
| Payson | $996 | $83 |
| Humboldt | $993 | $83 |
| Salome | $993 | $83 |
| Wenden | $991 | $83 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| San Carlos | $1,001 | $83 |
| Arivaca | $1,002 | $83 |
| Somerton | $1,002 | $84 |
| Yuma | $1,003 | $84 |
| Sahuarita | $1,004 | $84 |
The Arizona Department of Insurance says...
Insurers are not permitted to increase the "premium of an insured as a result of an accident not caused or significantly contributed to by the actions of the insured." A.R.S. § 20-263(A).
- The Arizona Department of InsuranceArizona car insurance requirements
In Arizona, you need a minimum of 25/50/15 liability car insurance coverage. Arizona’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $662 annually or $55 monthly.
Minimum liability insurance requirements for Arizona:
- Bodily injury liability (BI): $25,000 per person, $50,000 per accident
- Property damage liability (PD): $15,000 per accident
Cheapest car insurance companies for minimum liability coverage in Arizona
According to Insurance.com data, GEICO provides the cheapest state minimum liability insurance, averaging $692 annually or $58 monthly. USAA offers cheaper rates but has eligibility criteria.
Below is the list of Arizona's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| GEICO | $692 | $58 |
| Travelers | $693 | $58 |
| Auto-Owners | $767 | $64 |
| Progressive | $935 | $78 |
| State Farm | $1,082 | $90 |
| Allstate | $1,123 | $94 |
| Nationwide | $1,173 | $98 |
| Farmers | $1,535 | $128 |
| USAA | $672 | $56 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Arizona by age
In Arizona, car insurance rates are higher for teenagers (16- to 19-year-olds) as they are more prone to accidents due to their lack of experience on the road.
GEICO offers the cheapest car insurance for a 16-year-old driver in Arizona at $6,143 per year.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Arizona, GEICO offers the cheapest car insurance for a 25-year-old driver at $1,995 per year. Travelers offers the cheapest car insurance for a 65-year-old driver at $1,626 per year.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| GEICO | $6,143 | $512 |
| Travelers | $7,608 | $634 |
| Auto-Owners | $7,773 | $648 |
| State Farm | $10,147 | $846 |
| Nationwide | $10,613 | $884 |
| USAA | $10,837 | $903 |
| Allstate | $11,661 | $972 |
| Progressive | $14,160 | $1,180 |
| Farmers | $18,134 | $1,511 |
| CSAA Insurance (AAA) | $19,144 | $1,595 |
Cheapest car insurance companies in Arizona by driver profile
Accidents and tickets can negatively affect car insurance rates. Drivers who have accidents or tickets are considered a higher risk and will pay more.
However, the severity and frequency of the incidents will also play a role in the insurance rates. For instance, drivers with a single minor accident may see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Arizona rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| Travelers | $1,707 | $2,429 | $2,503 |
| Progressive | $2,114 | $3,456 | $2,951 |
| State Farm | $2,883 | $3,312 | $3,066 |
| GEICO | $1,796 | $2,778 | $3,286 |
| Farmers | $2,865 | $4,573 | $3,691 |
| Nationwide | $2,636 | $3,759 | $3,921 |
| Auto-Owners | $2,258 | $3,141 | $4,025 |
| Allstate | $2,846 | $4,038 | $4,286 |
| CSAA Insurance (AAA) | $4,965 | $7,888 | $6,210 |
| USAA | $1,880 | $2,894 | $2,431 |
Compare auto insurance rates by city in Arizona
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Arizona will impact what you pay. Below, we've gathered Arizona car insurance rates by city for comparison.
Car insurance premium trends in Arizona
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Arizona to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
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