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 (844) 246-8209 to get free, personalized quotes seven days a week.

 
 

In this article:

 

The Top Arizona Car Insurance Providers

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 five choices:

Best Arizona Car Insurance Motor1 Rating Customer Service 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

3. The Hartford Car Insurance

4.0

3.5

4.0

4.5

4. Safeco Auto Insurance

4.0

3.0

3.5

4.5

5. 

4.5

3.5

4.0

5.0

*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. It scored highly on two of J.D. Power's studies, with a score of 891 out of 1,000 on the 2020 U.S. Auto Claims Satisfaction Study (the highest score of any company in the study). It also got a score of 900 out of 1,000 on the 2020 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.

Here's what one pleased customer had to say:

“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 shopping for car insurance in Arizona can try out the company’s usage-based option called SafePilot. The app 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
Affordable rates and numerous discounts

Only available for military and their families

Good choice for military service members

 

Superior financial strength rating and A- rating from the BBB  
Nationwide availability

 

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

 


 

Geico Insurance logo

#2 Geico: Best For Added New Car Protection

Geico 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 $34 billion in insurance premiums in 2019, 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 car insurance in Arizona, 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 car 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 ranked highly across the board J.D. Power’s Auto Claims Satisfaction Study in 2020, which is admirable.  However, its score on the Insurance Shopping Study was just below the industry average. Geico has an A+ rating from 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
A+ rating from the BBB and A++ financial strength rating from AM Best

Average quotes experience

Many choices for coverage

Usage-based app not available in all states

High level of customer satisfaction

 

Available in 50 states

 

To learn more about the car insurance provider, check out our full Geico reviewFor a direct comparison between coverage from the two providers, see our review of Geico vs. USAA.

 


 

The Hartford Insurance logo

#3 The Hartford Car Insurance

The Hartford has a number of coverage plans available for AARP members looking for car insurance in Arizona. Hartford auto insurance is right for Arizona drivers who belong to the AARP and want to insure a classic or standard car. Hartford auto insurance might not be the right choice for you if you are a young driver or you do not want to become an AARP member.

The Hartford offers many insurance products that are purchasable in addition to your standard auto insurance policy, such as:

  • Lifetime renewability: Once you get coverage from The Hartford, you will never be denied coverage so long as you continue paying all premiums, maintain a valid driver’s license, and meet other requirements.
  • RecoverCare: Transportation, cleaning, cooking, and other costs associated with recovering from a car accident that causes injuries not covered by your health insurance or Medicare are covered.
  • New car replacement: If you buy a new car and total it within 15 months/15,000 miles of purchase, The Hartford will write you a check for the price of a newer model with the same equipment.
  • Accident forgiveness: Your premium will not increase after your first accident so long as you have been accident-free for five years.
  • Disappearing deductible: Every year that you maintain a clean driving record, the collision deductible on your plan goes down $50 until it reaches $0.
Pros Cons
Excellent financial strength rating and A+ rating from the BBB Only available to AARP members
Available in 50 states AARP membership required
Lifetime renewability  
Discounted rates for people over age 50   

Read our review of The Hartford insurance to find out more about the provider.

 


 

Safeco Insurance logo

#4 Safeco Car Insurance In Arizona 

Safeco is owned today by Liberty Mutual, but it has different coverage offerings and pricing. Safeco excels in car insurance for Arizona drivers who:

  • Are parents of teenagers
  • Value-free time and prioritize convenience
  • Are looking for comprehensive benefits

Safeco offers standard insurance as well as coverage like accident forgiveness, rideshare insurance, and custom equipment coverage. You can also get an emergency assistance package that gives you up to $500 toward lodging and meals if your car breaks down more than 25 miles away from home.

Safeco also has a long list of discounts for families, especially those with young and student drivers. Oftentimes it can be more expensive to add a new driver to your policy due to the high risk this group presents. Here are a few discounts that can help make family car insurance in Arizona more affordable:

  • Safeco RightTrack®: The Safeco app tracks your vehicle usage patterns like nighttime driving, how hard you brake to come to a complete stop, and how quickly you accelerate. These data points are then used to calculate car insurance rates. Avoiding aggressive driving and driving at night could reduce rates by up to 30 percent.
  • Tenure reward: Adding a second driver to your policy could result in lower rates.
  • New teen reward: Adding a new teen driver to your policy can lower your rates up to 27 percent.
  • Newly independent discount: When a young driver moves off of their parent’s policy and opens their own Safeco policy, the young driver receives a discount.
  • Distant student discount: If your teen goes to school over 100 miles from home and doesn’t bring the insured car, you premium would be lowered.

Safeco also offers a Parent-Teen contract that sets a list of responsibilities that teens agree to abide by while driving (like no texting and driving, no drinking and driving, etc.). Plus, this program provides educational material about ongoing car maintenance responsibilities by state and the cost of car ownership when taking into consideration registration fees and fuel.

Pros Cons
Independent agents who do price comparison shopping for you and customize policies Cannot be purchased online
Number of insurance discounts available Average customer service reviews

Read our Safeco insurance review to learn about additional discounts.

 


 

State Farm Insurance logo

#5 State Farm Auto Insurance

State Farm is another strong contender to underwrite car insurance in Arizona. Some things that make this provider especially attractive include its wide variety of discounts, a usage-based safe driving program, and affordable rates.

Here are some money-saving features that could make State Farm a good choice:
  • Steer Clear®: This safe driving education course is for drivers under 25 years old and provides discounted rates upon completion.
  • Drive Safe & SaveTM: This usage-based safe driving program monitors your driving habits through an app on your phone. The data collected by the app can only help you save on car insurance. It will never work against you.

If you’re looking for high liability coverage limits, State Farm has you protected with coverage limits up to 500/500/500. With limits like these, you won’t have to worry about not having enough liability coverage to satisfy a state’s minimum requirements.

Along with standard car insurance in Arizona, you can get things like rental and travel expense coverage, rideshare coverage, and roadside assistance.

Pros Cons
Largest auto insurer in the country

Reported errors with autopay

Many discounts for teens and students

Higher rates than some competitors

Superior financial strength rating and A+ rating from the BBB Not taking new customers in Massachusetts or Rhode Island
Easy online quotes process  
Available in 48 states  

Keep reading about the provider in our State Farm insurance review.

 


 

When you're ready to get a quote for car insurance in Arizona, we recommend weighing the options available to you. Use the tool below or call (844) 246-8209 to see the best rates available in your area:

 

 

What Is The Minimum Car Insurance Coverage In A.Z.?

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. 

 


 

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

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Arizona drivers actually spent on auto insurance in 2017.

 


 

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. 

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 (844) 246-8209 to get matched with the best Arizona car insurance rates:

 
 
 

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

Read our other insurance articles: