Best car insurance in Arizona for 2023

Bankrate utilizes Quadrant Information Services to analyze 2023 rates for 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 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 2021 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.

Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 

Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Car insurance rates are highly personalized, so the cheapest company for one driver may not be the cheapest for another. That said, there are ways to find the cheapest car insurance in Arizona for you. The first step is often to shop around and compare free quotes from several car insurance companies. Make sure to specify the same types and limits of coverage for each quote, or the comparisons may not be valid. Next, compare these quotes and see which company offers you the best rates. It could be helpful to also look at each company's auto discounts to see if any might apply to you. If so, you can include those potential savings in your quote comparisons.

Yes, you must submit proof of insurance before registering a vehicle in Arizona. Additionally, your insurance must meet at least the minimum insurance requirements of Arizona, which is $25,000 per person and $50,000 per accident in bodily injury coverage, and $15,000 in property damage coverage. In addition to proof of insurance, you are also required to submit proof of vehicle ownership and may need to complete an emissions test and odometer disclosure.

Arizona does not require vehicle owners to purchase uninsured and underinsured motorist coverage. However, the state does require auto insurers to offer these coverage types, and it is up to the driver to accept or reject them in writing. Generally, insurance providers recommend these options because of the additional financial protection they offer 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 options are designed to pay for your injuries and property damage.

There are a number of car insurance rating factors that insurance companies can use when calculating your premium. In addition to factors like the car you drive, your driving history and annual mileage, Arizona auto insurance companies can also factor in your age, gender and location within the state. This is especially important because some areas may be more densely populated with drivers, report more instances of car thefts and vandalism, and have a more expensive cost of living compared to others. Traffic volumes also matter. As a state, Arizona’s highway conditions were ranked in the middle of the pack in the Reason Foundation’s Annual Highway Report.

Like trying to find the cheapest car insurance, finding the best coverage options in Arizona will depend on several personal variables. Different drivers have varied needs, as do their vehicles. For instance, people who only drive a few miles or less a day may benefit from an insurance company that offers mileage-based car insurance. However, someone who regularly drives long distances may prioritize coverage options like roadside assistance or rental reimbursement coverage.