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. To see the beautiful areas of the Sonoran Desert or just to get to work, you need car insurance before you get behind the wheel.
In 2019, over 8.8 million registered vehicles occupied Arizona’s roads and highways. Almost 130,000 automobile crashes occurred the same year, resulting in 911 fatalities and 36,926 injuries. Car insurance can’t prevent accidents from happening, but it can help protect you financially if something happens to you or your car on the road.
The best car insurance companies in Arizona
Finding the best car insurance in Arizona might seem daunting, but with a little guidance, you can find the right fit. Each year, J.D. Power and Associates conducts an exhaustive study of car insurance companies to find the best in the business. Using a scoring system, J.D. Power produces regional reports that rates companies’ performance. We used that to evaluate customer satisfaction and our knowledge of discounts, rates, coverage options and availability to choose the top options in Arizona.
|Car insurance company||Average annual minimum coverage premium||Average annual full coverage premium||J.D. Power customer satisfaction score (out of 1,000)|
Allstate is one of the largest car insurance companies in Arizona, checking all the boxes of what most drivers look for in coverage. The company aims to improve service and meet the needs of customers. Chances are high there’s an Allstate Agent not far from where you live. This provider has helpful coverage options such as new car replacement, roadside assistance and accident forgiveness. Allstate also has some unique options such as sound system insurance for people who have invested in that feature.
American Family tied with Geico in the latest J.D. Power study. The company has additional coverage options like, including rideshare coverage, accidental death and dismemberment and lease and loan gap insurance for additional financial protection.
Geico had the lowest rates in our study. Drivers should get their own quotes because everyone will receive rates based on their own circumstances but those average rates show that Geico is a good provider to get a quote from if you are on a budget. A varied list of discounts will likely help you save money. Some of the best discounts include up to 22 percent off for an accident-free history, up to 15 percent off on a new vehicle and up to 25 percent your premiums if you insure more than one vehicle.
State Farm is one of the best car insurance companies in Arizona for discounts, especially if you are a safe driver. If you’re willing to take a driving safety course or sign up for Drive Safe and Save, a program that monitors your driving habits and provides you with suggestions on how to drive safer, you may be able to save money on your car insurance and likely reduce your risk of causing an accident.
The Hartford makes the list as one of the best car insurance companies in Arizona due to its partnership with the AARP. Drivers age 50 or older will have access to exclusive discounts and coverages through their AARP membership. Benefits include up to 10% off premiums, lifetime car repair assurance to help members find reputable repair shops and recovery care to help pay for expenses like transportation and cooking if you’re injured in an accident.
Average cost of car insurance in Arizona
The average cost of car insurance in Arizona is $1,587 for full coverage and $502 for minimum coverage. Arizona drivers on average pay $87 less for full coverage car insurance than the national average of $1,674. However, your cost will vary depending on geographic location, crime rate, number of accidents in your area and your driving history.
|Average annual premium for minimum coverage in Arizona||Average annual premium for full coverage in Arizona|
State minimum insurance requirements in Arizona
All states require you to purchase certain insurance coverages before you can register your vehicle. According to the Arizona Department of Insurance, all vehicles must have at least:
- $25,000 bodily injury liability per person
- $50,000 bodily injury per accident
- $15,000 property damage liability
Bodily injury coverage pays for the medical expenses of another driver, a pedestrian or the passengers of another vehicle when you are at fault for an accident.
How to get the best car insurance
Each car insurance company varies depending on factors like your driving history, geographic location, age and vehicle make and model. If you want to get the best car insurance, you’ll have to evaluate your needs and consider your location:
- Evaluate your needs: To find the best car insurance for your needs, identify which coverage options, add-ons and discounts will be available to you. Because each car insurance company is different, you need to know what you want and any future plans that may affect your car insurance premiums. For example, if you plan to add a teenage driver in the near future, you’ll probably want to find an insurance provider that offers discounts for good students, safe driving course discounts and lower rates for teens.
- Consider state factors: Most insurance companies offer local agents to assist in the quote process. Your state factors can determine your insurance quote, so it’s important to understand any geography-related events that can impact car insurance. For example, you may want to carry additional uninsured/underinsured motorist coverage to provide better financial protection if you’re in an accident with an uninsured driver.
Car insurance discounts in Arizona
Below is a list of the top car insurance companies in Arizona and the discounts each offers:
|Discount||Allstate||American Family||Geico||State Farm||The Hartford|
|Automatic payment/paperless billing||X|
|Defensive driving course||X||X||X||X|
|Low annual mileage||X|
|Occupational or organizations||X|
|Safe driver/accident free||X||X||X|
Frequently asked questions
What is the cheapest car insurance in Arizona?
Arizona insurance rates are based on several factors, including the driver’s age, the make and model of the insured vehicle and a policyholder’s driving history. To find the cheapest for you, you’ll need to get quotes from a variety of providers.
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, location, make and model of your vehicle, annual mileage and information about your driving record.
Does Arizona require car owners to have insurance?
Arizona requires car owners to carry minimal amounts of bodily injury and property damage insurance.
Does Arizona require drivers to have uninsured and underinsured motorist insurance?
Arizona does not require car owners to purchase uninsured and underinsured motorist coverage. However, the state does require insurers to offer this coverage, and it is up to the driver to accept or reject. Generally, the state and providers generally recommend this coverage because of the additional financial protection it offers if you get in an accident with someone without insurance or doesn’t have enough insurance to cover the costs of the accident.
Bankrate utilizes Quadrant Information Services to analyze 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 sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.