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Best car insurance in Arizona in 2022
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Bankrate’s insurance editorial team found that some of the best car insurance companies in Arizona are Geico, State Farm, American Family, Allstate and The Hartford, based on an objective analysis of third-party rankings and rate data. According to our research, these companies offer competitive average rates and received strong scores from third-party agencies for customer satisfaction. These factors could make them a good option for drivers in Arizona.
The average cost of full coverage car insurance in Arizona is $1,743 per year, which is about on par with the 2022 national average of $1,771, according to Bankrate’s 2022 study of quoted annual premiums. Two of our selected companies had an average premium that was lower than the state average, which may be beneficial for budget-conscious shoppers. Driver profiles and needs vary, though, so researching each company and getting quotes from your favorites may help you select the best option for you.
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 on the basis of 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 can help you more easily compare different car insurance carriers to each other and decide which ones you may want to get a quote from.
Best car insurance companies in Arizona
Geico and State Farmed topped the charts in terms of their Bankrate Score when we reviewed the best auto insurance companies in Arizona. To determine Bankrate Scores, Bankrate’s editorial team assessed providers by market share, average premiums, available coverage options and discount offerings, as well as third-party customer satisfaction scores from J.D. Power, complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best and Standard & Poor’s (S&P). After analyzing the data, we found that the following five companies offer the best car insurance in Arizona. When searching for car insurance, Arizona drivers may want to get quotes from these companies:
|Car insurance company||Bankrate Score||Average annual full coverage premium||J.D. Power customer satisfaction score (Southeast region)|
Average car insurance cost in Arizona
The average cost of car insurance in Arizona is $1,743 per year for full coverage and $579 per year for minimum coverage. Arizona drivers pay less than the national average cost of car insurance for full coverage, which is $1,771 per year. The cost of minimum coverage insurance in Arizona is slightly more expensive than the national average of $545 per year. Arizona’s average car insurance rates are in the middle of the average rates in neighboring states of California and Utah. California’s average rates are higher at $2,190 per year for full coverage and $619 per year for minimum coverage. On the other hand, Utah’s average rates are lower than Arizona's at $1,449 per year for full coverage and $544 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.
|Average annual premium for minimum coverage in Arizona||Average annual premium for full coverage in Arizona|
How to find the best car insurance in Arizona
Consider minimum insurance requirements in Arizona
Consider lender requirements
Consider your individual needs
Car insurance discounts in Arizona
- Young driver discounts: Taking advantage of discounts is one of the best ways to get cheap car insurance for teens. Several young adult discounts are available, including good student discounts, distant student discounts and driver training programs.
- Safe driver discounts: If you are a safe driver, you might save for not having any accidents or tickets in the past three to five years. Additionally, many companies offer usage-based discounts, which usually involve letting a mobile app or plug-in device track your driving habits. These programs typically reward you with a discount based on how safe your driving patterns are, as well as how much you drive annually.
- Other discounts: If you own a home, rent an apartment or live in a condo you may have another insurance policy in addition to your auto insurance. If you have multiple policies with the same company — often called bundling — you could usually qualify for a discount. The benefits of bundling your home and auto insurance are significant. Depending on your auto insurance company, you may qualify for a discount if you elect to receive your policy or billing documents via email or a customer portal rather than by U.S. mail.