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Best car insurance in Arizona for 2022

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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. In 2020 alone, Arizona saw 98,778 vehicle crashes, which resulted in nearly 30% of those crashes injuring someone,  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 and analyze 2021 premium information for auto insurance companies in Arizona. If you are looking for the best auto insurance in Arizona, we found Geico, State Farm, American Family, Allstate and The Hartford offered competitive rates and strong scores from third-party agencies for customer satisfaction. These factors were used to determine a Bankrate Score, which reflects the companies’ score out of a possible 5.0.

The best car insurance companies in Arizona

Geico and State Farmed topped the charts in terms of Bankrate Score, when we reviewed the best auto insurance companies in Arizona. To determine scores, Bankrate’s editorial team assessed providers by market share, average premiums, available coverage options and discount offerings, as well as third-party customer satisfaction scores from J.D. Power, complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best and Standard & Poor’s (S&P).

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 Bankrate Scores Average annual full coverage premium J.D. Power customer satisfaction score (Southwest region)
Geico 4.7 $916 829/1,000
State Farm 4.7 $1,232 847/1,000
American Family 4.3 $1,288 850/1,000
Allstate 4.0 $1,701 822/1,000
The Hartford 3.8 $1,257 826/1,000

Geico

Geico’s top-notch Bankrate Score reflects its low prices and customer satisfaction. Geico offers the lowest average full coverage premium in Arizona, according to Bankrate research. In addition to its low average 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

State Farm tied with Geico for the highest Bankrate Score and had a higher J.D. power score. As the largest personal auto insurer in the U.S., State Farm commands more than 16% of market share. With local agents to assist you when you need a helping hand, State Farm may be a good choice for Arizona drivers who prefer to do business face-to-face.

State Farm’s personal auto insurance policy is relatively simple, 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

American Family

American Family auto insurance received the highest official ranking in the J.D. Power study, indicating that its customers are highly 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 may 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

Allstate

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 coverage types 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

The Hartford

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

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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, the 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
$555 $1,547

How to find the best car insurance in Arizona

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 consider taking the following steps.

Consider minimum insurance requirements in Arizona

Most states require you to purchase certain insurance coverage 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 at least the minimum required amounts of bodily injury liability and 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.

Consider lender requirements

Minimum coverage does not provide any physical damage 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. You might also want to purchase gap insurance, which is designed to pay the difference between the cash value of your 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, 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. If you are considered a high-risk driver, for example, you will need to look for companies geared toward insuring drivers with less-than-ideal driving records. Or if you have a teen driver on your policy, you might want to seek out a company that has student and young driver discounts you can take advantage of.

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. Most major insurance companies in the Grand Canyon State offer discounts to help drivers save money. Some common types of discounts in Arizona are:

  • Young driver discounts: Taking advantage of discounts is one of the best ways to get cheaper insurance if you have a teen driver. Several young adult discounts are available, including good student discounts, distant student discounts and driver training programs.
  • Safe driver discounts: If you are a safe driver, you might save for not having any accidents or tickets in the past three to five years. Additionally, 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.
  • Other 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 have multiple policies with the same company — often called bundling — you could usually qualify for a discount. Additionally, 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 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 coverage offerings, 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, driver’s license numbers and maybe even their Social Security 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 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 are designed to pay for your injuries and property damage.

Methodology

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 coverage that meets 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.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Cate Deventer
Insurance Writer & Editor
Cate Deventer is a writer, editor and insurance professional with over a decade of experience in the insurance industry as a licensed insurance agent.
Edited by
Senior Insurance Editor
Reviewed by
Director of corporate communications, Insurance Information Institute