From the rock buttes of Monument Valley to the lush forests of the Salt and Verde River basins, Arizona has some of the most spectacular landscapes in the country. The state also had over 5 million licensed drivers in 2019. There were also nearly 130,000 vehicle crashes, which resulted in 911 fatalities, according to the Arizona Department of Transportation. Finding the best car insurance in Arizona could help to protect drivers from the financial ramifications of causing an accident.
Bankrate partnered with Quadrant Information Services to gather 2021 premium information for auto insurance companies in Arizona. If you are looking for the best auto insurance in Arizona, this information may be a useful point of comparison.
The best car insurance companies in Arizona
To determine the best auto insurance companies in Arizona, Bankrate’s editorial team reviewed providers by market share, average premiums, available coverages and discount options, as well as third-party scores from J.D. Power and AM Best. After analyzing the data, we found that the following five companies are among the best in Arizona. When searching for car insurance, Arizona drivers may want to get quotes from these companies:
|Car insurance company||Average annual minimum coverage premium||Average annual full coverage premium||J.D. Power customer satisfaction score|
If you like to handle your business in person rather than online, Allstate may be a good option for you; the company has numerous agents across Arizona. Since they live and work in the Grand Canyon State, these local agents may be more in tune with the needs of Arizona drivers.
Allstate offers several unique options that might allow you to tailor your policy to your needs. Optional coverages include sound equipment coverage and ridesharing coverage. Although its average full coverage premium is higher than the state’s average full coverage premium, Allstate also offers numerous discounts that might help you lower the cost of your insurance, including safe driving discounts, teen driver discounts and various payment-type discounts.
Learn more: Allstate insurance review
American Family auto insurance tied for the highest official ranking in the J.D. Power study, indicating that its customers are generally satisfied with its customer service. In addition to auto insurance, American Family offers home, renters, condo, farm and ranch, business, boat and RV insurance, among other product lines.
If you are looking for an array of coverage options, American Family could potentially be a good choice. In addition to the standard offerings like liability, comprehensive and collision coverage, you might want to consider gap insurance, roadside assistance, original manufacturer parts or travel coverage. American Family also offers several discounts to help you save on your car insurance.
Learn more: American Family insurance review
Geico offers the lowest average minimum coverage and full coverage premiums in Arizona, according to Bankrate research. In addition to its low rates, Geico offers a host of discounts to help you save even more. 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 on your vehicle.
If you are looking for digital tools, you might want to consider Geico. The company’s website offers a robust customer portal and the mobile app allows you to pay bills, file claims, request roadside assistance and more. Even though digital tools are helpful, there may be times when you still need assistance. Geico tied with American Family for the top ranking in the J.D. Power study, so its customer service is largely viewed as favorable.
Learn more: Geico insurance review
State Farm is the largest personal auto insurer in the U.S., with more than 16% market share. With local agents to assist you when you need a helping hand, State Farm could be a good choice for Arizona drivers who prefer to do business face-to-face.
State Farm’s personal auto insurance policy is relatively broad, with only a few options for customization. However, the company does offer two safe driving programs, Steer Clear for teens and Drive Safe & Save for adults, which could help you and your family learn safer driving habits and earn a discount at the same time.
Learn more: State Farm insurance review
If you are a member of AARP, getting an auto insurance quote from The Hartford might be a good idea. The company partners with AARP to offer exclusive rates and discounts to AARP members. The Hartford offers standard auto private passenger insurance policies along with insurance options for your classic car and RV.
If you would like to get a quote from The Hartford, you have several options. You can talk to an agent, call the company directly or get a quote online. You may want to ask if you qualify for any of the company’s discounts, which include driver training, fuel type and a paid-in-full discount.
Learn more: The Hartford insurance review
Average cost of car insurance in Arizona
The average cost of car insurance in Arizona is $1,547 per year for full coverage and $555 per year for minimum coverage. Arizona drivers pay less, on average, than the national annual average premium of $1,674 for full coverage auto insurance. The cost of minimum coverage insurance in Arizona is in line with the national average annual price of $565. However, your cost will vary from these averages based on your geographic location, local auto theft and vandalism rate, number of accidents in your area and your driving history, among other rating factors.
|Average annual premium for minimum coverage in Arizona||Average annual premium for full coverage in Arizona|
State minimum insurance requirements in Arizona
Most states require you to purchase certain insurance coverages before you can register your vehicle. You must carry at least a state’s required minimum limits of coverage to drive legally. According to the Arizona Department of Insurance, you must carry these minimums:
- $25,000 bodily injury liability per person
- $50,000 bodily injury per accident
- $15,000 property damage liability
Although buying only minimum liability may keep your premiums low, you could be facing financial stress if you cause an accident. If the damages in that accident exceed your insurance limits, you will be responsible for the excess out of pocket. Most insurance experts recommend that you purchase higher liability limits, if you are able to.
Additionally, minimum coverage does not provide any coverage for your vehicle. If you want insurance coverage for damages to your car, you will need full coverage, which includes optional comprehensive and collision insurance. If you have a loan or lease on your vehicle, your financial institution likely requires you to have full coverage.
How to get the best car insurance
Each auto insurer offers different rates depending on more than a dozen factors including your driving history, geographic location, age, occupation and the type of vehicle you drive, according to the Insurance Information Institute. If you want to get the best car insurance, you may want to:
- Evaluate your needs: To find the best car insurance for your needs, identify which coverage options, add-ons and discounts are most appealing to you. Because there are differences between each auto insurer, knowing what factors matter most to you might help you find a company that fits your needs.
- Consider state factors: Your state and even your ZIP code can have an impact on your car insurance premiums. Does your specific geographic location seem to be prone to auto accidents than other areas? Are there a high number of uninsured drivers in your area? Are vehicle thefts or natural disaster damage like hailstorms common? These factors could help to guide what coverages you might want to consider.
When shopping for auto insurance, Arizona drivers might want to consider factors like an insurer’s customer service reviews, average premium, available discounts and claims service. Speaking with a licensed insurance agent might be helpful if you are unsure where to start.
Car insurance discounts in Arizona
If budget is a primary concern in your auto insurance search, you may be able to find cheaper car insurance by taking advantage of discounts. Some common discounts in Arizona are:
- Multi-policy 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 insure multiple policies with the same company, you could qualify for a discount.
- Telematics discounts: 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.
- Paperless discounts: 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 the U.S. mail.
Every company offers a different set of discounts. You can often review available discounts online, but talking to a company representative or insurance agent might be the best way to identify your savings opportunities.
Frequently asked questions
What is the cheapest car insurance in Arizona?
Arizona insurance rates are based on more than a dozen factors, including your age, credit history, make and model of the insured vehicle, driving history and occupation. To find the cheapest rate for the best coverage, it may be helpful to get quotes from a variety of auto insurers. This might allow you to compare coverages, discounts and prices to find the right fit for your situation.
What information is needed to get car insurance in Arizona?
When you contact an insurance company for a quote, an agent will need to know your age, address, driver’s license number, make and model of your vehicle, your vehicle’s VIN, annual mileage and information about your driving record. If there are other drivers in your household, you will also need their dates of birth and driver’s license numbers.
Does Arizona require drivers to have uninsured and underinsured motorist insurance?
Arizona does not require vehicle owners to purchase uninsured and underinsured motorist coverage. However, the state does require auto insurers to offer this coverage, and it is up to the driver to accept or reject it in writing. Generally, insurance providers recommend this coverage because of the additional financial protection it offers for you. If you are hit by someone who does not have insurance or does not have enough insurance to cover your damages, uninsured or underinsured motorist coverage is designed to pay for your injuries and property damage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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.