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To help you find the best car insurance in Arizona, we’ve ranked the top insurance companies based on discounts, customer service, availability, and financial strength. In our ranking of the best car insurance companies, USAA and Geico took the top two spots.

USAA and Geico also happen to be our top two recommendations for Arizona car insurance – both offer good prices and coverage options for Arizonans. Make sure to compare car insurance quotes from providers available in your state to find the best deal. 

 
 

In this article:

What Is The Cheapest Car Insurance In Arizona?

According to our full coverage rate estimates, Geico offers the cheapest car insurance in Arizona for 35-year-old drivers with good credit and clean driving records. After that, USAA and Progressive are both affordable options. 

Arizona Car Insurance Provider Average Monthly Cost Estimate Average Annual Cost Estimate
Geico $92 $1,099
USAA $104 $1,246
Progressive $106 $1,277
State Farm $124 $1,485
Travelers $129 $1,543
American Family Insurance $131 $1,569
AAA $136 $1,629
 

What Is The Average Cost Of Arizona Car Insurance?

During our rate estimate research, we found that most Arizona drivers pay $138 per month or $1,658 per year for full coverage car insurance. This is just 4 percent lower than the national average of $1,732.

Several factors affect the cost of your Arizona car insurance policy, including:

  • Your age, gender, and marital status
  • Your driving history
  • Your zip code
  • Type of vehicle you want to insure
  • Annual mileage

The best way to keep your Arizona auto insurance costs low is by shopping for car insurance from several providers.

Cheapest Arizona Car Insurance: Young Drivers

Young Arizona drivers can expect to pay more for car insurance overall in the state. According to our cost estimates, Geico tends to offer the cheapest full coverage car insurance at $95 per month on average.

Arizona Car Insurance Company Monthly Rate Estimate Annual Rate Estimate
Geico $95 $1,138
Travelers $156 $1,873
Progressive $159 $1,904
USAA $159 $1,909
State Farm $168 $2,019
 

Cheapest Arizona Car Insurance: Speeding Tickets

Having a recent speeding ticket on your driving record can cause you to pay more for car insurance in Arizona. On average, we found that most drivers pay $2,198 per year for full coverage car insurance after getting a speeding ticket.

Arizona Car Insurance Company Monthly Rate Estimate Annual Rate Estimate
Geico $113 $1,356
USAA $133 $1,600
State Farm $135 $1,623
Progressive $151 $1,807
Travelers $166 $1,986
 

Cheapest Arizona Car Insurance: Recent Accidents

If you have a recent at-fault accident on your record, you can expect to pay a steep price for car insurance in Arizona. We found that drivers pay an average of $2,515 per year for full coverage car insurance, though Geico and State Farm tend to offer cheaper rates.

Arizona Car Insurance Company Monthly Rate Estimate Annual Rate Estimate
Geico $145 $1,739
State Farm $147 $1,762
USAA $155 $1,856
Travelers $180 $2,159
Progressive $185 $2,218
 

Cheapest Arizona Car Insurance: Bad Credit

If you have poor credit in Arizona, you can expect to see higher-than-average car insurance rates. We found most Arizona drivers with bad credit pay an average of $3,733 per year for full coverage car insurance. 

Arizona Car Insurance Company Monthly Rate Estimate Annual Rate Estimate
Geico $141 $1,695
Progressive $175 $2,102
Travelers $204 $2,445
USAA $205 $2,458
American Family Insurance $223 $2,676
 

5 Best Arizona Car Insurance Providers

To find the best car insurance in Arizona, we went through the top car insurance providers nationwide and re-examined them in light of Arizona laws and guidelines. We also reviewed average rates for Arizona drivers to determine which companies offer the lowest auto insurance rates. Our top five choices include:

Best Arizona Car Insurance Motor1 Rating Average Cost Estimate

1. Geico Car Insurance

4.6

$1,099

2. USAA Car Insurance

4.8

$1,246

3. State Farm Car Insurance

4.6

$1,485

4. The Hartford Car Insurance

4.1

$2,166

5. Safeco Auto Insurance

4.1

N/A

 

*Not all providers were included in our rate estimates for each state. Also, 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.


#1 Geico: Cheapest Car Insurance In Arizona

Geico is our top recommendation for Arizona car insurance. The company is the second-largest insurance provider in the U.S. and wrote over $37 billion in insurance premiums in 2021, 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 Arizona car insurance companies offer. It’s called mechanical breakdown insurance (MBI) and is similar to an extended car warranty

Geico’s customer service reputation is good, but not as good as USAA’s. For example, while Geico ranked high in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study℠, its score on the J.D. Power 2021 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 offers a usage-based discount option through its DriveEasy app, which is available in Arizona. 

Geico Pros Geico Cons
A+ rating from the BBB and A++ financial strength rating from AM Best Average quotes experience
Many choices for coverage  
High level of customer satisfaction  
 

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


#2 USAA: Best For Military Families

If you qualify for USAA car insurance, you could end up paying well below the state average with the company's low rates. However, you must be a military member, veteran, or family member of someone who is to be eligible for USAA coverage.

USAA consistently scores high on customer satisfaction studies and surveys. It scored high on two J.D. Power studies, with a score of 909 out of 1,000 on the 2021 U.S. Auto Claims Satisfaction Study. It also received a score of 902 out of 1,000 on the 2021 U.S. Insurance Shopping Study, which was the highest score overall.

That means USAA does a great job responding to claims and communicating with customers throughout the process.

USAA members in Arizona can try out the company’s usage-based option, SafePilot. The app tracks things like hard braking, sharp corners, and phone usage while driving. 

USAA Pros USAA 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  
 

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


#3 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, 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.

State Farm Pros State Farm 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  
Easy online quotes process  
 

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


#4 The Hartford Car Insurance

The Hartford has a number of coverage plans available for AARP members looking for car insurance in Arizona. The Hartford auto insurance is a good option for Arizona drivers who belong to the AARP and want to cover 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.
The Hartford Pros The Hartford Cons
Excellent financial strength rating and A+ rating from the BBB Only available to AARP members
Lifetime renewability  
Discounted rates for people over age 50   
 

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


#5 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. 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, 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 by 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, your premium would be lowered.
Safeco Pros Safeco Cons
Independent agents who comparison shop 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.


What Is The Minimum Car Insurance Coverage In Arizona?

Arizona requires you to carry liability insurance in the amounts of 25/50/15. This means:

  • $25,000 for bodily injury liability per person
  • $50,000 for bodily injury liability per accident
  • $15,000 for property damage liability

This insurance covers injuries and vehicle damage for other people in accidents that you cause. The state minimum requirements won't cover your own vehicle if you cause an accident or run into a stationary object. They also won't cover your medical bills if you're responsible. You'll want to add the following coverages to have better protection:

  • Comprehensive insurance
  • Collision insurance
  • Medical payments (MedPay) or personal injury protection (PIP)
  • Underinsured/uninsured motorist coverage

Compare Arizona Car Insurance Quotes

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

4.8

4.6

Affordability in Arizona

4.5

4.7

Coverage Options 

4.8

4.3

BBB Rating

A+

A+

Financial Rating

A++ (AM Best)

A++ (AM Best)

Rideshare Coverage

Yes

Yes

Usage-Based Discount 

SafePilot available in Arizona

DriveEasy available in Arizona

Gap Insurance

Yes

No

Roadside Assistance

Yes

Yes

 

To get started comparing your free quotes, simply enter your zip code below to get matched with the best Arizona car insurance rates:

 
 
 

FAQ: Arizona Car Insurance

Who has the cheapest car insurance in Arizona?

According to our rate estimates, Geico has the cheapest car insurance in Arizona with an average annual cost of $1,099 for full coverage. After Geico, USAA and Progressive are both cheap options.

What is the best auto insurance in Arizona?

After comparing multiple providers on price, coverage, and customer service, we rank Geico as the best option for auto insurance in Arizona. Not only does it provide the cheapest rates, but it also offers a wide range of coverage options and multiple discounts.

Why is Arizona car insurance so expensive?

Arizona car insurance can be expensive because about 12 percent of drivers are uninsured, according to the Insurance Information Institute. Also, drivers in Arizona are known for putting a lot of miles on their vehicles. More time on the road means more accidents and higher insurance costs.

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 auto insurance rate estimates generated by Quadrant Information Services 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.

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