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Best car insurance in Arizona for 2024

Geico, State Farm, Progressive, Travelers and Nationwide write the best car insurance in Arizona.

Updated Feb 21, 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.

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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 $2,515. The average rate for a minimum coverage policy is $795 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, we also analyzed customer satisfaction scores issued in the J.D. Power 2023 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.

Insurance company
Bankrate Score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$1,683
$583
4.4
Rating: 4.4 stars out of 5
$1,371
$465
4.3
Rating: 4.3 stars out of 5
$1,979
$632
4.2
Rating: 4.2 stars out of 5
$1,431
$444
4.0
Rating: 4 stars out of 5
$1,865
$784

Progressive

Best for high-risk incidents

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$140/mo

Avg. full coverage premium

$1,683/yr

Customer satisfaction

809/1,000

Geico

Best for low average rates

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$114/mo

Avg. full coverage premium

$1,371/yr

Customer satisfaction

804/1,000

State Farm

Best for local agents

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$165/mo

Avg. full coverage premium

$1,979/yr

Customer satisfaction

835/1,000

Travelers

Best for policy customization

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$119/mo

Avg. full coverage premium

$1,431/yr

Customer satisfaction

860/1,000

Nationwide

Best for discount variety

4

Rating: 4 stars out of 5

Avg. full coverage premium

$155/mo

Avg. full coverage premium

$1,865/yr

Customer satisfaction

783/1,000

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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.

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Why you can trust Bankrate

Read our full methodology

To 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

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

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Insurance Disclosure

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 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 that 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:

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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.

How much is car insurance in Arizona?

The average cost of car insurance in Arizona is $2,515 per year for full coverage and $795 per year for minimum coverage. Arizona drivers pay more than the national average cost of car insurance for full coverage, which is $2,545 per year. The cost of minimum coverage insurance in Arizona is also more expensive than the national average of $741 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 $2,692 per year for full coverage and lower for minimum coverage at $653 per year. On the other hand, Utah’s average rates are lower than Arizona's, at $1,969 per year for full coverage and $720 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.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Arizona

The calculator below can give you a rough estimate of your car insurance costs in Arizona. While it is not an exact quote, it will give you a general sense of what you could pay for your coverage based on a few personal rating factors.

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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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2024 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 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.

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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Senior wealth advisor at Versant Capital Management