Best car insurance companies in Arizona

Auto-Owners is the best car insurance company in Arizona, based on a 2024 analysis by Insurance.com, with an overall rating of 3.92. Travelers is the second-best auto insurance company in Arizona, with an overall rating of 3.64. 

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.

Best car insurance in Arizona
Company AM BestAvg. Annual PremiumJD PowerNAICInsurance.com score
Auto-OwnersA++$1,5398080.53.92
TravelersA++$1,4898040.493.64
GeicoA++$1,3128010.913.46
NationwideA+$1,7268080.643.14
ProgressiveA+$1,9038280.652.98
State FarmA++$2,2337830.72.89
AllstateA+$2,2157950.652.73
FarmersA$2,3318350.82.42

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Arizona

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, Geico offers the cheapest full coverage car insurance in Arizona with rates of $1,312 annually or $109 a month on average.

Cheapest car insurance in Arizona
Company State minimum liability50/100/50 liability100/300/100 liability with $500 deductible
Geico$369$538$1,312
Travelers$480$649$1,489
Auto-Owners$374$520$1,539
USAA$275$507$1,581
Nationwide$662$805$1,726
Progressive$639$866$1,903
Allstate$566$940$2,215
State Farm$613$850$2,233
Farmers$669$1,210$2,331

Data refreshed as of May 2024
Read our full methodology

Average cost of car insurance in Arizona

The average car insurance rate in Arizona is $1,812 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 $516.

Auto insurance calculator

Average auto insurance rates in Arizona
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
85009 - Phoenix
For a 30-year-old male
$61 State minimum
$214 Full coverage
$94 Liability only

Most & least expensive ZIP codes for auto insurance in Arizona

Most Expensive

Zip CodeCityHighest Rate
85043Phoenix$222
85031Phoenix$222
85007Phoenix$220
85041Phoenix$220

Least Expensive

Zip CodeCityLowest Rate
86403Lake Havasu City$120
86404Lake Havasu City$122
86406Lake Havasu City$124
86409New Kingman-Butler$126
Data refreshed as of May 2024
Read our full methodology

Arizona car insurance requirements

In Arizona, you need a minimum of 25/50/15 liability car insurance coverage. Ohio’s state minimum liability insurance costs an average of $507 annually or $42 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 $353 annually or $29 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.

State minimum auto insurance coverage in Arizona, AZ
Company Liability insurance premiumMonthly liability insurance premium
USAA*$271$23
Geico$353$29
Auto-Owners$374$31
Travelers$489$41
Allstate$567$47
Farmers$625$52
State Farm$632$53
Progressive$641$53
Nationwide$651$54
CSAA Insurance (AAA)$1,068$89

*USAA offers coverage only to military veterans and their family

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Arizona by age

company_name
Cheapest for teens
$3,381/yr
Learn more
company_name
Cheapest for adults
$1,306/yr
Learn more
company_name
Cheapest for seniors
$1,284/yr
Learn more

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 teen drivers in Arizona at $3,381 per year for a full coverage policy.  

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 full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds)  at $1,306 per year and $1,284 per year, respectively.

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.

Age group
Teen
Age
16
Table
Graph
Geico$4,405$367
Auto-Owners$5,273$439
Travelers$6,523$544
Nationwide$7,484$624
State Farm$8,014$668
Allstate$8,908$742
USAA$10,245$854
Progressive$13,238$1,103
Farmers$13,841$1,153
CSAA Insurance (AAA)$15,992$1,333
Yearly premium

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Arizona by driver profile

company_name
Cheapest for at-fault accident
$2,028/yr
Learn more
company_name
Cheapest for DUI
$2,279/yr
Learn more
company_name
Cheapest for speeding ticket
$2,183/yr
Learn more

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.

CompanyClean recordAccidentSpeeding Ticket
Geico$1,312$2,028$2,400
Travelers$1,489$2,119$2,183
Auto-Owners$1,539$2,141$2,342
USAA$1,581$2,435$2,045
Nationwide$1,726$2,461$2,567
State Farm$2,233$2,565$2,375
Progressive$1,903$3,111$2,657
Allstate$2,215$3,143$3,335
Farmers$2,331$3,721$3,003

Data refreshed as of May 2024
Read our full methodology

Compare auto insurance rates by city in Arizona

Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Arizona.

CityAnnual insurance premium
Avondale
$2,099
Benson
$1,602
Mesa
$1,976
Phoenix
$2,251
Tempe
$2,000
Tucson
$1,879
Data refreshed as of May 2024
Read our full methodology

Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.

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 
  • Single vehicle accident 

Tickets: 

  • Distracted driving ticket
  • Speeding ticket 1- 10 MPH over limit 
  • Speeding ticket 11- 29 MPH over limit 
  • Talking on cellphone ticket 
  • Texting ticket 

Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

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