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Best car insurance in Arizona in 2023

Updated Mar 13, 2023
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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 $1,810. The average rate for a minimum coverage policy is $587 per year. 

However, we know that, while important, cheap premiums likely aren’t your only consideration when shopping for new car insurance. Aside from rates, Bankrate’s insurance editorial team analyzed customer satisfaction scores issued in the J.D. Power 2022 U.S. Auto Insurance Study and ranked carriers using our proprietary Bankrate Scoring method. This study revealed that Geico, State Farm, Progressive, Travelers and Nationwide are among some of the best car insurance companies in Arizona across a variety of scenarios.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly full coverage premium
$81
Average annual full coverage premium
$974
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly full coverage premium
$182
Average annual full coverage premium
$2,188
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly full coverage premium
$148
Average annual full coverage premium
$1,777
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly full coverage premium
$102
Average annual full coverage premium
$1,223
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly full coverage premium
$130
Average annual full coverage premium
$1,562
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Southwest region)
827
/1,000
Average monthly minimum coverage premium
$25
Average annual minimum coverage premium
$299
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
848
/1,000
Average monthly minimum coverage premium
$64
Average annual minimum coverage premium
$766
Progressive
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Southwest region)
800
/1,000
Average monthly minimum coverage premium
$46
Average annual minimum coverage premium
$552
Travelers
Rating: 4 stars out of 5
4.0
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly minimum coverage premium
$31
Average annual minimum coverage premium
$374
Nationwide
Rating: 3.9 stars out of 5
3.9
Bankrate Score
Info
J.D. Power score (Southwest region)
Not rated
Average monthly minimum coverage premium
$47
Average annual minimum coverage premium
$569
Powered by Coverage.com (NPN: 19966249)
Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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 COMPANY FOR LOW AVERAGE RATES

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 827 AM Best: A++

Average annual premium

$ 974 for full coverage
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Why Geico made our list: Geico offers some of the cheapest average premiums out of all the Arizona auto insurance companies we analyzed. In addition to its low average rates, Geico offers a host 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, Drive Easy, 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.

Read full Geico Insurance review

BEST CAR INSURANCE COMPANY FOR LOCAL AGENTS

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 848 AM Best: A++

Average annual premium

$ 2,188 for full coverage
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

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 and digital satisfaction. 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.

Learn more: State Farm Insurance review

BEST CAR INSURANCE COMPANY FOR HIGH-RISK INCIDENTS

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 800 AM Best: A+

Average annual premium

$ 1,777 for full coverage
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Why Progressive made our list: According to premium data from Quadrant Information Services, Progressive offers an average annual full coverage premium of $2,018 for drivers with a DUI on their record. This average premium is much lower than many of the major carriers in the state for this type of incident. It is important to note that car insurance companies use many rating factors to determine your premium, so your rate may vary. Additionally, Progressive may not offer policies to all drivers with a DUI, so you may want to contact the company for details. Still, Progressive could be an economical choice for high-risk incidents. If you’re working on cleaning up your driving habits, you might also want to consider Progressive’s telematics discount, Snapshot, which might reward you with savings if you prove to be a safe driver.  

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 improving their driving skills with the positive reinforcement of telematics.

Read full Progressive Insurance review

BEST CAR INSURANCE COMPANY FOR POLICY CUSTOMIZATION

Rating: 4 stars out of 5
4 Bankrate Score
JD Power: Not rated AM Best: A++

Average annual premium

$ 1,223 for full coverage
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Answer a few questions to see personalized rates from top carriers.

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 named non-owner policies, which can cover drivers without a vehicle if they rent or borrow a car. However, Arizona drivers with an Android phone that 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 in recent months. 

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.

Read full Travelers Insurance review

BEST CAR INSURANCE COMPANY FOR DISCOUNT VARIETY

Rating: 3.9 stars out of 5
3.9 Bankrate Score
JD Power: Not rated AM Best: A+

Average annual premium

$ 1,562 for full coverage
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Why Nationwide made our list: Nationwide made our list of best Arizona car insurance companies 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.

Read full Nationwide Insurance review

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.

How much is car insurance in Arizona? 

The average cost of car insurance in Arizona is $1,810 per year for full coverage and $587 per year for minimum coverage. Arizona drivers pay less than the national average cost of car insurance for full coverage, which is $2,014 per year. The cost of minimum coverage insurance in Arizona is also cheaper than the national average of $622 per year. Arizona’s average car insurance rates are in between the average rates in neighboring states of California and Utah. California’s average rates are higher at $2,291 per year for full coverage and $636 per year for minimum coverage. On the other hand, Utah’s average rates are lower than Arizona's, at $1,510 per year for full coverage and $539 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.

Average annual premium for minimum coverage in Arizona Average annual premium for full coverage in Arizona
$587 $1,810

How to find the best car insurance in Arizona

Each provider offers different auto insurance rates depending on various factors, including your driving history, geographic location, age, occupation and the type of vehicle you drive. If you want to get the best car insurance, you may want to consider taking the following steps. 

Consider minimum insurance requirements in Arizona

Most states require you to purchase a minimum amount of insurance coverage before you can register your vehicle, and Arizona car insurance laws are no different. You must carry at least the state’s required minimum coverage levels to drive legally. According to the Arizona Department of Insurance, you must carry at least the minimum required amounts of bodily injury liability per person, bodily injury liability per accident and property damage liability. 

Although buying only minimum liability may keep your premiums low, you could face 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.

Consider lender requirements

Minimum coverage does not provide any physical damage coverage for your vehicle. If you want personal insurance coverage for damages to your car, you will need full coverage, which includes optional comprehensive coverage and collision coverage. If you have a loan or lease on your vehicle, your financial institution likely requires you to have full coverage. You might also want to purchase gap insurance, which is designed to pay the difference between the cash value of your new vehicle and your loan or lease amount if the vehicle is totaled or stolen. 

Consider your individual needs

To find the best car insurance for your needs, you may want to identify which coverage options, add-ons and discounts are most appealing to you. Each auto insurer offers different coverage types and discounts, so knowing what factors matter most to you might help you find a company that fits your needs. If you are considered a high-risk driver, for example, you may need to look for companies that offer high-risk auto insurance. Or if you have a teen driver on your policy, you might want to seek out a company that offers competitive discounts with car insurance for teen drivers.

Frequently asked questions

Written by
Carol Pope
Insurance Writer

Carol Pope is an insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Insurance Editor
Reviewed by Senior wealth manager, LourdMurray