You can’t go wrong with Arizona car insurance from USAA or Geico.

 

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. They 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. Or, for an even easier process, call our team at (855) 518-0148 to get free, personalized quotes seven days a week.

 
 

In this article:

 

Best Arizona Car Insurance 

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 two choices:

Best Arizona Car Insurance Our Overall Rating Customer Service Grade Affordability Coverage

1. USAA Car Insurance

5.0

5.0

4.5

4.5

2. Geico Car Insurance

4.5

4.0

4.0

4.0

 

*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.

 


 

USAA Insurance logo

#1 USAA: Cheapest Car Insurance In Arizona

No matter how you look at it, USAA tends to be the cheapest car insurance around. 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 meet any of the following conditions: 

  • You are an active member of the military – Army, Air Force, Navy, Marine Corps, or Coast Guard
  • You are a former member of the military and retired or were honorably discharged
  • You are part of a commissioning program like the Naval Academy or ROTC
  • You are a child or spouse of a current or former USAA member 

That last qualification allows a family to pass on USAA eligibility to generation after generation. 

You might think that cheap car insurance quotes come with poor customer service, but that’s not the case here. USAA consistently scores high on customer satisfaction studies and surveys from around the industry. For example, it has a Consumer Reports reader score of 92, which is the highest of any car insurance company. 

USAA scored highly on two of J.D. Power's studies, as well. It received a score of 900/1,000 on the 2019 U.S. Auto Claims Satisfaction Study, which was the highest score of any company in the study. It also got a score of 896/1,000 on the 2019 U.S. Insurance Shopping Study, which was second only to Erie Insurance. 

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. We think a strong claims process is the most important thing to find in an auto insurance company – that’s what you’re really paying them to do, after all. 

USAA is currently not rated on the Better Business Bureau, and has a mix of reviews. Here’s an example.  

“I am amazed by the level of service I have received on my recent insurance claim. The process was so easy and quick. The adjuster came to my home to inspect the damage and the money was in my account less than 24 hours later. The settlement was fair. I can't believe how painless the process was. This is a premium product with premium service. I will be with USAA for life.”

-Brittany H. via BBB

We also like that USAA car insurance has a few extra coverage options like roadside assistance and gap insurance – which not all providers have. Plus, USAA members in Arizona can try out the company’s usage-based option called SafePilot. 

SafePilot is an app that tracks things like hard braking, sharp corners, and phone usage while driving. You can get a five-percent discount for signing up and then up to twenty percent off depending on your driving skills. The app is only available for drivers in Arizona, Ohio, Texas, and Virginia. 

Pros Cons

Affordability

Only available for military families

Excellent customer service

 

High number of coverage options

 

Good for military families

 

To learn more about the car insurance provider, check out our review of USAA car insurance.

 

 


 

Geico Insurance logo

#2 Geico: Best For Added New Car Protection

Geico car insurance is our runner-up 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 2018, according to the National Association of Insurance Commissioners (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 insurance coverages, 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 warranty

MBI is available to you if your car has fewer than 15,000 miles or is less than 15 months old. It covers repairs to mechanical parts after a $250 deductible, and you can renew the policy for up to 7 years or 100,000 miles. The policy doesn’t cover routine maintenance, tune-ups, or wear items like tires and brakes. 

Geico’s customer service reputation is good, but not as good as USAA’s. For example, Geico was ranked in fourth place on J.D. Power’s Auto Claims Satisfaction Study, which is admirable.  However, its score on the Insurance Shopping Study was just below the industry average, and its Consumer Reports reader score of 78 is also about average. Geico has an A+ rating on 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 an app, but it’s not available for drivers in Arizona. That could be a letdown for drivers looking for usage-based discounts.

Pros Cons

Affordability

Average quote experience

Second largest company in the nation

 

Good for students

 

Good for military

 

To learn more about the car insurance provider, check out our review of Geico car insurance.

For a direct comparison between the coverage of the two providers, check out our review of Geico vs USAA.

If neither of these companies seem right for you, you can learn more in our Progressive auto insurance reviewThe General auto Insurance review, or review of State Farm car insurance to help you find the right company to save.

When you're ready to get an Arizona auto insurance quote, we recommend weighing the options available to you. Use this tool or call (855) 518-0148 to see the best rates available in your area:

 

 

What Is The Minimum Car Insurance Coverage In AZ?

To understand what the minimum car insurance coverage required in Arizona is, you first have to understand what financial responsibility laws are and how they affect you when you are shopping for car insurance.

What Are Financial Responsibility Laws?

Every state has financial responsibility laws. These laws dictate how people can prove financial responsibility in the case of an accident. While it’s not very fun to think about, accidents do happen, and compensating the victims can be expensive. If there were no financial responsibility laws, many drivers would be financially ruined after causing an accident. 

The easiest way to prove financial responsibility is to get car insurance. Depending on the state, drivers might be able to purchase a surety bond or deposit a cash reserve with the state instead. States most often require liability insurance to compensate other drivers in accidents you cause. It comes in three limits: 

  • Bodily injury per person
  • Bodily injury per accident
  • Property damage per accident 

As an example, the coverage limits of 100/300/100 provide $100,000 bodily injury per person, $300,000 bodily injury per accident, and $100,000 property damage per accident. That might sound like a lot, but it’s actually a good coverage level to have. Smaller amounts of coverage bring the risk of lawsuits if the limits are exhausted. 

Arizona Car Insurance Minimums

Before you complete your vehicle registration, you’re required to carry certain coverages to satisfy Arizona car insurance minimums. You can also obtain proof of financial responsibility through a bond or cash deposit of $40,000 with the Arizona Motor Vehicle Division (MVD). However, if you use that account to pay for an accident, you will have to pay back your bond issuer or replenish the cash deposit yourself. An insurance company, on the other hand, will pay for damages up to the limits you choose. 

Previously, liability coverage with the limits of 15/25/10 was the minimum car insurance required in Arizona. However, as of June 7, 2019, Governor Doug Ducey signed SB 1087 into law. The bill increased the minimum required coverages for Arizona car insurance to 25/50/15, and came into effect on June 1, 2020. If you have purchased a policy since, you will only be able to select the new state minimum or above. If you renew a policy, your coverage will automatically increase, which means your premium will increase as well. 

That might seem like a big increase, but supporters of the bill say it will help auto insurance catch up with modern repair costs. The previous limits were set back in 1972 when new cars were much cheaper. Today, the average price of a new car is above $34,000. If another driver with minimum liability coverage in Arizona totaled your car, their property damage coverage of $10,000 might not cover its replacement. 

Furthermore, Arizona’s new limits will match limits that 25 other states already have – its previous limits were low compared to other states. Looking at bodily injury coverage, $15,000 per person isn’t very much at all. The coverage pays for medical bills and lost wages – if you cause a serious accident, you could be sued for remaining bills that your policy won’t cover. 

 


 

Facts About Arizona Drivers

In 2015, when the data was last published by the Insurance Information Institute, about 12 percent of Arizonan drivers were uninsured. That’s one percent less than the national average, but it still means there’s a lot of uninsured drivers on the roads. Arizona car insurance requirements don’t include uninsured or underinsured coverage, but it’s a good idea to have that coverage anyway. You have a 1-in-10 chance of encountering an uninsured driver on the road if you get into an accident, and you don’t want to be unprepared for that situation.  

According to 2018 data from the Federal Highway Administration, Arizonans match the national average for vehicle miles per year. Nationally, drivers put 14,425 miles on their cars per year, while Arizonans drive 14,493 miles on average. Average driver mileage and uninsured rates help auto insurance in Arizona to be affordable compared with other states. 

In 2018, 53,376 people sustained injuries from car accidents, according to the Arizona Department of Transportation’s annual crash report. Since there were about 5.3 million drivers, there was a one-percent chance of a driver being in an accident and injured. However, there were about twice as many accidents total, and accidents without injuries can raise car insurance rates significantly. Also, if you want to skip out from work early on Friday, be careful. The hour from three to four on Fridays had the highest accident rate out of the week. 

 


 

What Is The Average Cost Of Car Insurance In Arizona?

According to the NAIC, the national average car insurance expenditure was $1,004.68 per year in 2017. Luckily, drivers in the Grand Canyon State only paid an average of $994.42.

Type of Coverage Average Annual Expenditure in 2017

Liability coverage

$607.66

Collision coverage

$312.95

Comprehensive coverage

$204.93

Total cost

$994.42

*To calculate average expenditures, NAIC assumed that all insured vehicles would carry liability coverage but not necessarily collision or comprehensive. Total cost per year measures what consumers actually spent.

Get A Quote

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

Our Rating

5.0

4.5

Affordability in Arizona

4.5

4.0

Customer Service

A+

A-

Financial Rating

A++ (AM Best)

A++ (AM Best)

Rideshare Coverage

Yes

Yes

Coverage Options

4.5

4.0

Usage-Based Discount 

SafePilot available in Arizona

None in Arizona

Gap Insurance

Yes

No

Roadside Assistance

Yes

Yes

 

To get started comparing your free quotes, simply enter your zip code below or call (855) 518-0148 to get matched with the best Arizona car insurance rates:

 
 
 

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