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Best car insurance in Arizona for 2024
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best car insurance companies in Arizona
According to premium data sourced from Quadrant Information Services, the annual average premium for a full coverage policy in Arizona is $2,536. The average rate for a minimum coverage policy is $792 per year.
While important, cheap premiums likely aren’t your only consideration when shopping for new car insurance. Aside from rates, we also analyzed customer satisfaction scores from the J.D. Power 2023 U.S. Auto Insurance Study and ranked carriers using our proprietary Bankrate Score. This study revealed that Geico, State Farm, Progressive, Travelers and Nationwide are some of the best car insurance companies in Arizona across a variety of driver profiles.
Insurance company |
Bankrate Score
|
Average full coverage rate | Average min coverage rate |
---|---|---|---|
4.4
|
$1,686
|
$571
|
|
4.4
|
$1,374
|
$458
|
|
4.3
|
$2,691
|
$948
|
|
4.2
|
$1,525
|
$499
|
|
4.0
|
$1,846
|
$768
|
Progressive
BEST FOR HIGH-RISK DRIVERS
4.4
4.4
Avg. full coverage premium
$140/mo
Avg. full coverage premium
$1,686/yr
Customer satisfaction
809/1,000
-
Why Progressive made our list: Progressive offers low average rates in Arizona for drivers with infractions on their records — including those needing SR-22s — making it a potentially economical choice for anyone categorized as high-risk. If you’re working on improving your driving habits, you might also want to consider Progressive’s telematics program Snapshot. Progressive offers a fairly robust list of endorsements but falls short in terms of customer and claims satisfaction per J.D. Power scores.
Who Progressive may be good for: Arizona drivers with a less-than-stellar driving record might want to request a quote from Progressive — especially those interested in telematics programs and potential rewards for safe driving behaviors.
Geico
Best for low average rates
4.4
4.4
Avg. full coverage premium
$115/mo
Avg. full coverage premium
$1,374/yr
Customer satisfaction
804/1,000
-
Why Geico made our list: Geico offers some of the cheapest average premiums out of all the insurance companies in Arizona we analyzed. In addition to its low average rates, Geico offers a lengthy list of discounts to potentially lower your rate further. You might qualify for a discount if you are a safe driver, a federal employee, a military service member or if you have certain safety features in your vehicle. Arizona drivers may also be interested in signing up for Geico’s telematics program, DriveEasy, which might net you savings if you practice safe driving habits.
Who Geico may be good for: Between generally low rates and a long list of discounts, Geico might be the best car insurance company in Arizona for drivers looking for cheap (but relatively basic) coverage.
State Farm
Best for local agents
4.3
4.3
Avg. full coverage premium
$224/mo
Avg. full coverage premium
$2,691/yr
Customer satisfaction
835/1,000
-
Why State Farm made our list: If you prefer the personal touch of a local agent, State Farm could be a good company for you. State Farm, the largest car insurance company in the U.S. by market share, has an extensive network of local agencies throughout Arizona. Additionally, State Farm is known for excellent customer service. Not only did State Farm earn first place for overall customer satisfaction in the Southwest region of the most recent J.D. Power auto insurance study, but it also earned high marks for claims satisfaction and digital tools. However, State Farm isn’t the cheapest carrier on our list, so it may not be the best choice for budget-conscious drivers.
Who State Farm may be good for: If you’re willing to pay extra for top-notch customer service and prefer to handle your policy needs in person with a local agent, State Farm might provide the best auto insurance in Arizona for you.
Travelers
Best for policy customization
4.2
4.2
Avg. full coverage premium
$127/mo
Avg. full coverage premium
$1,525/yr
Customer satisfaction
806/1,000
-
Why Travelers made our list: Between new car replacement coverage, accident forgiveness and gap insurance, Travelers offers a suite of options that may appeal to Arizona drivers looking to build a robust policy. Travelers even offers non-owner policies, which can cover drivers without a vehicle if they rent or borrow a car. However, Arizona drivers with an Android phone who prefer to handle their insurance via mobile app may want to read Google Play reviews, as it seems like the company may be experiencing tech issues.
Who Travelers may be good for: Arizona drivers more concerned with extensive coverage options than they are with high third-party customer service scores might find Travelers can meet their needs.
Nationwide
Best for discount variety
4
4
Avg. full coverage premium
$154/mo
Avg. full coverage premium
$1,846/yr
Customer satisfaction
783/1,000
-
Why Nationwide made our list: Nationwide made our list of best car insurance companies in Arizona for a few different reasons. Nationwide offers two different telematics discounts. SmartMiles, a pay-per-mile insurance program, could help Arizonans who drive less than average save on their car insurance. SmartRide, a more traditional telematics discount, could help drivers save based on safe driving habits. Additionally, policyholders may want to take advantage of Nationwide’s On Your Side Review. This perk, which comes at no additional charge, facilitates a meeting with your agent, where they conduct a full policy review to ensure that you’re taking advantage of all the savings opportunities you could be eligible for.
Who Nationwide may be good for: Nationwide may be a good option for customers looking to take advantage of discounts, particularly personalized discounts through telematics or pay-per-mile insurance programs. Drivers who prefer policy customization options and discounts over customer service and digital tools may also find Nationwide can meet their needs.
How Bankrate chose the best car insurance companies in Arizona
To find the best auto insurance in Arizona, Bankrate’s insurance experts developed a proprietary Bankrate Score to help grade companies on factors like customer service rankings, financial strength ratings, policy options and discounts, and more. We also reviewed average premium data from Quadrant Information Services to see which companies offered great coverage at a reasonable price.
Each company was scored based on these categories, with a higher score in each category resulting in a higher overall Bankrate Score, with a maximum score of 5 out of 5. This may help you more easily compare different car insurance carriers to each other and decide which ones you may want to get a quote from.
Why you can trust Bankrate
Read our full methodologyTo help Arizona drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
How to find the best car insurance in Arizona
To secure the best car insurance in Arizona, it's important to consider various factors such as your driving history, location, age, occupation and vehicle type. Each provider offers different rates based on these aspects. Outside of those criteria, the following steps can hopefully guide you in finding a policy that aligns with your unique situation. This approach ensures you make an informed choice tailored to your specific needs and circumstances.
Related content:
Ready for your quote?
Answer a few questions to see personalized rates from top carriers in Arizona
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Arizona?
The average cost of car insurance in Arizona is $2,536 per year for full coverage and $792 per year for minimum coverage. Arizona drivers pay more than the national average cost of car insurance for full coverage, which is $2,314 per year. The cost of minimum coverage insurance in Arizona is also more expensive than the national average of $644 per year. Arizona’s average car insurance rates are in between the average rates in neighboring states of California and Utah. California’s average full coverage rates are higher at $2,663 per year for full coverage and lower for minimum coverage at $647 per year. On the other hand, Utah’s average rates are lower than Arizona's, at $2,036 per year for full coverage and $747 per year for minimum coverage.
Location is a major factor impacting state rates, as each state, and even each city within the state could have a different crime rate, cost of living, average repair costs, and more. For instance, California's average rates could be higher than Arizona's due to a higher population density, leading to a higher prevalence of car accidents. Utah could be cheaper for the same reason — a lower population density, leading to a reduced risk of car accidents. Additionally, Los Angeles is the second-largest city in the country, which may skew California’s average rates as a whole.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|
Phoenix | $3,005 | +17% |
Glendale | $2,948 | +15% |
Aguila | $2,281 | -11% |
Cave Creek | $2,505 | -1% |
Peoria | $2,640 | +4% |
Wickenburg | $2,163 | -16% |
Quartzsite | $2,087 | -19% |
Tempe | $2,587 | +2% |
Valley Farms | $2,327 | -9% |
Gilbert | $2,474 | -2% |
Glendale Luke Afb | $2,757 | +8% |
Black Canyon City | $2,179 | -15% |
Roll | $2,138 | -17% |
Yuma | $2,169 | -16% |
Winkelman | $2,238 | -12% |
Ehrenberg | $2,198 | -14% |
Wikieup | $1,937 | -27% |
Gadsden | $2,241 | -12% |
Litchfield Park | $2,645 | +4% |
Surprise | $2,462 | -3% |
Carefree | $2,424 | -5% |
Buckeye | $2,566 | +1% |
Palo Verde | $2,521 | -1% |
Salome | $2,139 | -17% |
Prescott | $2,059 | -21% |
Sedona | $2,105 | -19% |
Fort Mohave | $1,990 | -24% |
Mohave Valley | $1,967 | -25% |
Parker | $2,067 | -20% |
Wittmann | $2,400 | -6% |
Paulden | $2,087 | -19% |
Chinle | $2,452 | -3% |
Houck | $2,466 | -3% |
Lupton | $2,445 | -4% |
Pinon | $2,434 | -4% |
Dennehotso | $2,473 | -3% |
Tucson | $2,412 | -5% |
Fort Apache | $2,232 | -13% |
Petrified Forest Natl Pk | $2,250 | -12% |
Keams Canyon | $2,270 | -11% |
Shonto | $2,267 | -11% |
Mayer | $2,107 | -18% |
Lake Havasu City | $1,895 | -29% |
Bullhead City | $1,970 | -25% |
Sanders | $2,488 | -2% |
Tortilla Flat | $2,366 | -7% |
Queen Creek | $2,512 | -1% |
Scottsdale | $2,535 | -0% |
Paradise Valley | $2,621 | +3% |
Mesa | $2,529 | -0% |
Apache Junction | $2,409 | -5% |
Sacaton | $2,472 | -3% |
Rio Verde | $2,361 | -7% |
Fountain Hills | $2,440 | -4% |
Eloy | $2,395 | -6% |
Chandler | $2,437 | -4% |
Kearny | $2,329 | -9% |
Bouse | $2,104 | -19% |
El Mirage | $2,720 | +7% |
Goodyear | $2,440 | -4% |
Sun City West | $2,232 | -13% |
Picacho | $2,409 | -5% |
Bapchule | $2,457 | -3% |
Casa Grande | $2,389 | -6% |
Red Rock | $2,359 | -7% |
Stanfield | $2,436 | -4% |
Arizona City | $2,382 | -6% |
Superior | $2,377 | -6% |
Bagdad | $2,008 | -23% |
Kingman | $1,917 | -28% |
Peach Springs | $2,006 | -23% |
Nazlini | $2,546 | +0% |
Tsaile | $2,467 | -3% |
Central | $2,060 | -21% |
Morenci | $1,997 | -24% |
Payson | $2,114 | -18% |
Solomon | $2,166 | -16% |
Benson | $2,024 | -22% |
Mc Neal | $1,967 | -25% |
Nogales | $2,281 | -11% |
Saint David | $2,002 | -24% |
Somerton | $2,212 | -14% |
Tolleson | $2,924 | +14% |
Wellton | $2,135 | -17% |
Wenden | $2,178 | -15% |
Globe | $2,168 | -16% |
Clifton | $2,013 | -23% |
Safford | $2,029 | -22% |
Bowie | $1,999 | -24% |
Elfrida | $1,966 | -25% |
Thatcher | $2,026 | -22% |
San Carlos | $2,180 | -15% |
Young | $2,130 | -17% |
Green Valley | $1,984 | -24% |
Hereford | $1,949 | -26% |
Topawa | $2,259 | -12% |
Fort Huachuca | $1,984 | -24% |
Peridot | $2,164 | -16% |
Pima | $2,027 | -22% |
Pirtleville | $2,024 | -22% |
Cortaro | $2,293 | -10% |
Marana | $2,213 | -14% |
Duncan | $1,983 | -24% |
Tonto Basin | $2,148 | -17% |
Elgin | $2,257 | -12% |
San Manuel | $2,333 | -8% |
Hayden | $2,244 | -12% |
Maricopa | $2,439 | -4% |
Bylas | $2,078 | -20% |
Eden | $2,034 | -22% |
Fort Thomas | $2,067 | -20% |
Miami | $2,198 | -14% |
Roosevelt | $2,200 | -14% |
Naco | $2,017 | -23% |
Rillito | $2,265 | -11% |
Pomerene | $2,000 | -24% |
Sonoita | $2,294 | -10% |
Tombstone | $1,971 | -25% |
Tumacacori | $2,256 | -12% |
Pine | $2,113 | -18% |
Douglas | $1,979 | -25% |
Coolidge | $2,439 | -4% |
Tonopah | $2,496 | -2% |
Waddell | $2,604 | +3% |
Youngtown | $2,567 | +1% |
Chandler Heights | $2,509 | -1% |
Florence | $2,421 | -5% |
Patagonia | $2,244 | -12% |
Sasabe | $2,266 | -11% |
Rio Rico | $2,307 | -9% |
Dewey | $2,096 | -19% |
Cashion | $2,680 | +6% |
Laveen | $2,923 | +14% |
Lukeville | $2,249 | -12% |
Poston | $2,162 | -16% |
Cibola | $2,133 | -17% |
Dateland | $2,324 | -9% |
Concho | $2,243 | -12% |
Springerville | $2,226 | -13% |
Flagstaff | $2,139 | -17% |
Happy Jack | $2,129 | -17% |
Joseph City | $2,235 | -13% |
Page | $2,110 | -18% |
Second Mesa | $2,271 | -11% |
Tuba City | $2,186 | -15% |
Show Low | $2,202 | -14% |
Blue | $2,055 | -21% |
Eagar | $2,222 | -13% |
Pinetop | $2,194 | -14% |
Vernon | $2,234 | -13% |
Sun Valley | $2,237 | -13% |
Marble Canyon | $2,098 | -19% |
Kaibeto | $2,190 | -15% |
Yarnell | $2,097 | -19% |
Sun City | $2,352 | -8% |
Fort Mcdowell | $2,432 | -4% |
Cibecue | $2,210 | -14% |
Saint Johns | $2,258 | -12% |
Snowflake | $2,201 | -14% |
Bellemont | $2,118 | -18% |
Prescott Valley | $2,060 | -21% |
Ash Fork | $2,075 | -20% |
Hackberry | $1,955 | -26% |
Valentine | $1,968 | -25% |
Willow Beach | $1,988 | -24% |
Ganado | $2,409 | -5% |
Many Farms | $2,501 | -1% |
San Tan Valley | $2,490 | -2% |
Higley | $2,494 | -2% |
Golden Valley | $1,967 | -25% |
Littlefield | $1,914 | -28% |
Chambers | $2,472 | -3% |
Clarkdale | $2,091 | -19% |
Humboldt | $2,108 | -18% |
Rimrock | $2,036 | -22% |
Seligman | $2,024 | -22% |
Lake Montezuma | $2,133 | -17% |
Teec Nos Pos | $2,453 | -3% |
Rock Point | $2,492 | -2% |
Arivaca | $2,236 | -13% |
Cochise | $1,978 | -25% |
Mammoth | $2,345 | -8% |
Oracle | $2,353 | -7% |
Sahuarita | $2,227 | -13% |
San Simon | $1,940 | -27% |
Amado | $2,253 | -12% |
Camp Verde | $2,046 | -21% |
Cornville | $2,036 | -22% |
Jerome | $2,064 | -21% |
Kirkland | $2,067 | -20% |
Skull Valley | $2,102 | -19% |
Oatman | $2,010 | -23% |
Fort Defiance | $2,441 | -4% |
Window Rock | $2,440 | -4% |
Cottonwood | $2,035 | -22% |
Yucca | $1,945 | -26% |
Dolan Springs | $1,983 | -25% |
Meadview | $1,948 | -26% |
Lukachukai | $2,491 | -2% |
Blue Gap | $2,498 | -2% |
Red Valley | $2,484 | -2% |
Clay Springs | $2,234 | -13% |
Whiteriver | $2,237 | -13% |
Woodruff | $2,291 | -10% |
Gray Mountain | $2,160 | -16% |
Parks | $2,203 | -14% |
Colorado City | $1,994 | -24% |
Holbrook | $2,170 | -16% |
Tonalea | $2,258 | -12% |
Chino Valley | $2,081 | -20% |
Chloride | $1,922 | -28% |
Temple Bar Marina | $1,967 | -25% |
Lakeside | $2,207 | -14% |
Mcnary | $2,195 | -14% |
Nutrioso | $2,235 | -13% |
Crown King | $2,155 | -16% |
Hualapai | $1,989 | -24% |
Supai | $2,090 | -19% |
Topock | $1,960 | -26% |
Saint Michaels | $2,436 | -4% |
Round Rock | $2,483 | -2% |
Huachuca City | $1,972 | -25% |
Sierra Vista | $1,957 | -26% |
Gold Canyon | $2,377 | -6% |
Grand Canyon | $2,123 | -18% |
Indian Wells | $2,286 | -10% |
Mormon Lake | $2,127 | -18% |
Williams | $2,136 | -17% |
Heber | $2,208 | -14% |
Polacca | $2,278 | -11% |
Winslow | $2,179 | -15% |
Bisbee | $1,973 | -25% |
Mount Lemmon | $2,298 | -10% |
Pearce | $1,959 | -26% |
Taylor | $2,223 | -13% |
Kayenta | $2,279 | -11% |
Leupp | $2,167 | -16% |
Dragoon | $1,994 | -24% |
Sells | $2,364 | -7% |
Vail | $2,296 | -10% |
Willcox | $1,976 | -25% |
Tubac | $2,299 | -10% |
Ajo | $2,247 | -12% |
Arlington | $2,512 | -1% |
Avondale | $2,744 | +8% |
Gila Bend | $2,495 | -2% |
Morristown | $2,339 | -8% |
San Luis | $2,228 | -13% |
Tacna | $2,243 | -12% |
Greer | $2,228 | -13% |
New River | $2,546 | +0% |
Alpine | $2,191 | -15% |
Forest Lakes | $2,137 | -17% |
Overgaard | $2,234 | -13% |
Pinedale | $2,301 | -10% |
Fredonia | $2,039 | -22% |
Kykotsmovi Village | $2,278 | -11% |
North Rim | $2,100 | -19% |
Munds Park | $2,160 | -16% |
Cameron | $2,185 | -15% |
Hotevilla | $2,296 | -10% |
Congress | $2,081 | -20% |
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.