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

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

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
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Male
Male Female
85009 - Phoenix
For a 30-year-old male
$61 State minimum
$196 Full coverage
$86 Liability only
View most and least expensive zip codes

Most & least expensive ZIP codes for auto insurance in Arizona

Most Expensive

Zip CodeCityHighest Rate
85009Phoenix$196
85031Phoenix$196
85017Phoenix$193
85019Phoenix$191

Least Expensive

Zip CodeCityLowest Rate
86403Lake Havasu City$103
86404Desert Hills$103
86406Lake Havasu City$106
86444Meadview$106

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.

Cheapest car insurance in Arizona by age
Age Company Avg annual premium 
Teens (16-19)Geico$3,381
Teens (16-19)Auto-Owners$4,384
Teens (16-19)Travelers$4,793
Teens (16-19)Nationwide$6,595
Teens (16-19)State Farm$6,656
Teens (16-19)USAA$7,036
Teens (16-19)Allstate$7,462
Teens (16-19)Progressive$9,119
Teens (16-19)Farmers$10,109
Teens (16-19)CSAA Insurance (AAA)$13,572
Young Adults (20-24)Geico$1,816
Young Adults (20-24)Travelers$2,324
Young Adults (20-24)Auto-Owners$2,621
Young Adults (20-24)USAA$2,755
Young Adults (20-24)Nationwide$3,062
Young Adults (20-24)Allstate$3,143
Young Adults (20-24)Progressive$3,163
Young Adults (20-24)State Farm$3,710
Young Adults (20-24)Farmers$4,062
Young Adults (20-24)CSAA Insurance (AAA)$7,339
Adults (25-60)Geico$1,306
Adults (25-60)Travelers$1,522
Adults (25-60)Auto-Owners$1,579
Adults (25-60)USAA$1,588
Adults (25-60)Nationwide$1,716
Adults (25-60)Progressive$1,888
Adults (25-60)Allstate$2,190
Adults (25-60)Farmers$2,237
Adults (25-60)State Farm$2,242
Seniors (65-75)Geico$1,284
Seniors (65-75)Travelers$1,539
Seniors (65-75)USAA$1,608
Seniors (65-75)Nationwide$1,623
Seniors (65-75)Auto-Owners$1,647
Seniors (65-75)Progressive$1,944
Seniors (65-75)State Farm$2,191
Seniors (65-75)Farmers$2,398
Seniors (65-75)Allstate$2,427
Seniors (65-75)CSAA Insurance (AAA)$3,423

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.

Cheapest auto insurance in Arizona for drivers with tickets and accidents
CompanyClean record Accident Speeding Ticket
Geico$1,079$1,938$1,883
Nationwide$1,233$1,928$1,783
Auto-Owners$1,238$2,031$1,866
Travelers$1,335$2,042$2,006
USAA$1,360$2,323$1,829
Mercury Insurance$1,534$3,576$2,465
Hartford$1,541$2,559$2,221
State Farm$1,602$1,881$1,742
Progressive$1,829$3,199$2,509
Allstate$2,219$3,366$3,479
CSAA (AAA)$2,232$3,846$2,826
Farmers$2,345$3,865$3,218

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

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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