- Best car insurance companies in Arizona
- Cheapest car insurance companies in Arizona
- 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 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.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Auto-Owners | A++ | 808 | 0.5 | 3.92 | $1,539 |
| Travelers | A++ | 804 | 0.49 | 3.64 | $1,489 |
| Geico | A++ | 801 | 0.91 | 3.46 | $1,312 |
| Nationwide | A+ | 808 | 0.64 | 3.14 | $1,726 |
| Progressive | A+ | 828 | 0.65 | 2.98 | $1,903 |
| State Farm | A++ | 783 | 0.7 | 2.89 | $2,233 |
| Allstate | A+ | 795 | 0.65 | 2.73 | $2,215 |
| Farmers | A | 835 | 0.8 | 2.42 | $2,331 |
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 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 |
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
Most & least expensive ZIP codes for auto insurance in Arizona
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 85043 | Phoenix | $222 |
| 85031 | Phoenix | $222 |
| 85007 | Phoenix | $220 |
| 85041 | Phoenix | $220 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 86403 | Lake Havasu City | $120 |
| 86404 | Lake Havasu City | $122 |
| 86406 | Lake Havasu City | $124 |
| 86409 | New Kingman-Butler | $126 |
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. 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.
| Company | Liability insurance premium | Monthly 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
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 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.
| 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 |
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 |
|---|---|---|---|
| USAA | $1,581 | $2,435 | $2,045 |
| Travelers | $1,489 | $2,119 | $2,183 |
| Auto-Owners | $1,539 | $2,141 | $2,342 |
| State Farm | $2,233 | $2,565 | $2,375 |
| Geico | $1,312 | $2,028 | $2,400 |
| Nationwide | $1,726 | $2,461 | $2,567 |
| Progressive | $1,903 | $3,111 | $2,657 |
| Farmers | $2,331 | $3,721 | $3,003 |
| Allstate | $2,215 | $3,143 | $3,335 |
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.
Car insurance premium trends in Arizona
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Arizona have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
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.
Compare Arizona car insurance rates with other states
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