9 Best Auto Insurance Companies in Arizona (Find the Top Providers Here!)
The best auto insurance companies in Arizona are Allstate, State Farm, and Nationwide. Allstate covers full car replacement after a total loss, State Farm cuts rates up to 30% through Drive Safe & Save, and Nationwide gives up to 40% off with SmartRide. The cheapest Arizona car insurance starts at $33 per month.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
UPDATED: May 4, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: May 4, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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11,638 reviewsCompany Facts
Full Coverage in Arizona
A.M. Best
Complaint Level
Pros & Cons
11,638 reviews
18,155 reviewsCompany Facts
Full Coverage in Arizona
A.M. Best
Complaint Level
Pros & Cons
18,155 reviews
3,071 reviewsCompany Facts
Full Coverage in Arizona
A.M. Best
Complaint Level
Pros & Cons
3,071 reviewsAllstate, State Farm, and Nationwide are the best auto insurance companies in Arizona. Allstate gives drivers extra confidence with accident forgiveness and full car replacement if their vehicle is totaled.
Our Top 9 Picks: Best Auto Insurance Companies in Arizona| Company | Rank | A.M. Best | Multi-Vechicle Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A+ | 25% | Accident Forgiveness | Allstate |
 | #2 | A++ | 20% | Trusted Brand | State Farm |
 | #3 | A+ | 20% | Usage-Based Discounts | Nationwide |
 | #4 | A | 20% | Customer Satisfaction | American Family |
 | #5 | A | 20% | AARP Benefits | Farmers |
 | #6 | A | 20% | Comprehensive Coverage | Liberty Mutual |
 | #7 | A+ | 12% | Discount Variety | Progressive |
 | #8 | A++ | 10% | Military Members | USAA |
 | #9 | A++ | 8% | Safe Drivers | Travelers |
State Farm makes saving easy, offering up to 17% off for bundling home and auto policies and another 30% off through its Drive Safe & Save program (Learn More: The Definitive Guide to Usage-based Car Insurance).
Nationwide rewards careful driving with up to 40% savings through SmartRide and even adds optional identity theft protection for extra peace of mind in Arizona.
- The best auto insurance rates in Arizona start at $33 per month
- The best auto insurance companies in Arizona offer accident-free renewal discounts
- Arizona drivers can lower costs after an accident with vanishing deductibles
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#1 – Allstate: Top Overall Pick
Pros
- First-Rate Accident Forgiveness: Allstate’s optional add-on prevents Arizona car insurance rates from going up after an accident.
- New Car Replacement: Allstate will not consider depreciation on a vehicle less than two years old and will replace it with the same or a similar model if it’s totaled in an Arizona insurance claim.
- Multi-Vehicle Savings: Allstate offers Arizona drivers up to 25% off when insuring multiple cars. Discover key coverage features and discounts in our Allstate auto insurance review.
Cons
- Limited Pay-in-Full Discount: Arizona drivers may not maximize savings if they’re unable to pay Allstate premiums upfront.
- Higher Rates for Drivers: Because of its additional policy features, Allstate is one of the most expensive auto insurance companies in Arizona. Rates start at $94 per month.
#2 – State Farm: Best For Trusted Reliability
Pros
- Financial Excellence: State Farm maintains an A.M. Best rating of A++, showing superior Arizona customer support and reliability.
- Drive Safe & Save Program: Arizona drivers save up to 30% with State Farm’s usage-based discount. Find out how to qualify in our State Farm auto insurance review.
- Steer Clear Discount: State Farm has the best car insurance in Arizona for young drivers under 25, with exclusive training and discounts for new drivers who take driving courses.
Cons
- No Gap Insurance: Arizona customers needing loan/lease coverage must seek alternative options.
- Fewer Real-Time Digital Quotes: Arizona drivers sometimes find State Farm’s online quoting slower to update.
#3 – Nationwide: Best For Usage-Based Discounts
Pros
- SmartRide Telematics: Drivers using Nationwide’s SmartRide can earn up to 40% off, the biggest usage-based discount among car insurance companies in Arizona.
- Multi-Vehicle Discount: Arizona drivers save up to 20% when insuring multiple vehicles with Nationwide. See more discounts in our Nationwide auto insurance review.
- Reliable Stability: Nationwide holds an A.M. Best rating of A+, providing strong financial protection for Arizona claims.
Cons
- Usage-Based Penalties: Poor driving scores through SmartRide could decrease Arizona driver discounts.
- Limited Bundling Products: Some customers may find fewer bundling opportunities than top Arizona auto insurance companies.
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#4 – American Family: Best for Customer Satisfaction
Pros
- High Satisfaction Ratings: American Family is the top three company for customer satisfaction in the Southwest region, including Arizona car insurance.
- Financially Stable: American Family carries an A.M. Best rating of A, ensuring Arizona customers reliable claims service.
- KnowYourDrive Savings: Safe drivers can save up to 20% with KnowYourDrive usage-based auto insurance in Arizona.
Cons
- Online Quotes Often Require Agents: Customers must speak with agents to finalize Arizona auto insurance quotes.
- Higher Upfront Rates: Arizona drivers may face steeper initial costs before loyalty discounts apply. Unlock affordable coverage options by reviewing the cheapest car insurance deals.
#5 – Farmers: Best for AARP Benefits
Pros
- AARP Discounts: Farmers provides exclusive lower premiums to AARP members, making it the best auto insurance for seniors in Arizona.
- Multi-Vehicle Discount: Arizona customers earn up to 20% off by insuring more than one car with Farmers.
- Solid Financial Strength: Farmers holds an A.M. Best rating of A, giving Arizona drivers confidence in claims handling.
Cons
- Poor Customer Service: Farmers has one of the lowest customer satisfaction ratings for Arizona car insurance companies. Learn everything you need to know about Farmers Insurance in our guide.
- Higher Costs for Younger Drivers: Arizona auto insurance rates for motorists under 25 tend to be steeper.
#6 – Liberty Mutual: Best for Comprehensive Coverage
Pros
- Comprehensive Policy Options: Arizona drivers can build custom policies that include original parts coverage, deductible funds, and lifetime guarantees on repairs.
- Better Car Replacement: Liberty Mutual upgrades Arizona customers to newer models after total losses. Explore policy benefits and pricing details inside our Liberty Mutual auto insurance review.
- Strong Financial Backbone: Liberty Mutual holds an A.M. Best rating of A for stability and Arizona car insurance claim support.
Cons
- Premium Arizona Rates: Comprehensive Arizona auto insurance options come with a steep monthly premium starting at $93.
- Fewer Arizona Locations: Liberty Mutual’s agent presence is limited outside major Arizona cities.
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#7 – Progressive: Best for Discount Variety
Pros
- Multiple Policy Discounts: Our guide to everything you need to know about Progressive covers a long list of discounts for online quotes, students, continuous coverage, and more.
- Snapshot Savings: Progressive allows Arizona drivers to save over $200 a year based on safe driving habits tracked by Snapshot telematics.
- Trusted Financial Standing: Progressive maintains an A.M. Best rating of A+, ensuring Arizona payout reliability.
Cons
- Risk of Higher Rates: Unsafe driving habits, like speeding or driving at night, can reduce Arizona auto insurance discounts through Progressive Snapshot.
- Pricing Complexity: Progressive’s tiered quote system can confuse drivers seeking quick Arizona insurance quote comparisons.
#8 – USAA: Best for Military Members
Pros
- Exclusive Military Benefits: USAA offers the cheapest Arizona car insurance to military members and their families, starting at $33 a month.
- Deployment Discounts: Arizona military personnel save when storing their cars during deployment periods with USAA.
- SafePilot Telematics: Arizona drivers can lower rates through USAA’s SafePilot tracking. See detailed usage-based policy options and pricing in our USAA auto insurance review.
Cons
- Membership Limitations: Only Arizona military families, veterans, or eligible dependents can purchase policies.
- Limited Physical Locations: Few in-person service centers for Arizona residents preferring face-to-face support.
#9 – Travelers: Best for Safe Drivers
Pros
- Premier Plan For Responsible Drivers: Arizona drivers earn discounts and accident forgiveness for minor violations through this Travelers benefit.
- IntelliDrive Discounts: Arizona drivers save up to 20% by enrolling in Travelers’ usage-based insurance program. Discover why it’s a strong choice for safe drivers in our Travelers review.
- Outstanding Financial Stability: Travelers holds an A.M. Best rating of A++, reflecting excellent Arizona claims support.
Cons
- Steeper Youth Rates: Drivers under 25 generally face higher premiums with Travelers than with other auto insurance companies in Arizona.
- Weaker Bundling Discounts: Travelers’ bundling options are less generous for Arizona customers than those of competitors.
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Comparing Rates From The Best Auto Insurance Companies in Arizona
The average cost of car insurance in Arizona varies depending on your coverage level, driving history, the city you live in, and the company you choose. USAA keeps rates low at $33 per month, but it is only available to military members.
Arizona Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $94 | $250 |
| $60 | $158 |
| $70 | $187 |
| $93 | $247 |
| $61 | $161 |
| $44 | $117 |
| $42 | $112 |
| $55 | $145 |
| $33 | $88 |
State Farm’s $42 monthly minimum coverage gives Arizona drivers strong claims support and access to multi-policy discounts. Progressive’s $44 starting monthly rate sounds cheap, but it can rise quickly after an at-fault accident or moving violation.
Allstate charges $94 monthly but offers perks like accident forgiveness, which can help Arizona drivers avoid rate hikes after their first accident. Liberty Mutual’s $93 rate often includes better car replacement benefits, offering more security for newer vehicles.
Liability auto insurance and uninsured motorist coverage are required in Arizona, but other policies are optional. The more coverage you choose, including add-ons like accident forgiveness, the higher your Arizona insurance rates will be. Take a look at your AZ coverage options below.
Arizona Auto Insurance Coverage Types & Descriptions| Coverage | Description |
|---|---|
| Liability | Covers damages to others if at fault. |
| Collision | Pays for vehicle damage from a collision. |
| Comprehensive | Handles non-collision damage (theft, weather). |
| Personal Injury Protection (PIP) | Takes care of medical expenses after an accident. |
| Uninsured/Underinsured Motorist | Shields against uninsured drivers. |
| Medical Payments | Pays for medical expenses for passengers. |
| Rental Reimbursement | Covers rental car costs during repairs. |
| Towing and Labor | Assists with towing and labor services. |
Picking the right type of policy matters because not every accident or emergency is covered the same way. A good policy makes the difference between bouncing back quickly and struggling to recover. Be aware that you may need to carry full coverage with collision and comprehensive car insurance if you have an auto loan or lease a vehicle in Arizona.
How Violations Raise Auto Insurance Costs in Arizona
Auto insurance rates in Arizona change fast once your record is no longer perfect. One accident, ticket, or DUI can raise your monthly payments by hundreds, making it harder to find affordable coverage.
Taking time to compare auto insurance companies becomes crucial when avoiding steep rate increases after a violation. Even minor tickets raise bills. A single accident can add over $100 monthly, with Allstate drivers seeing the steepest hikes. DUIs bring even harsher penalties, pushing Liberty Mutual’s costs to $446 and limiting access to better policy options.
Comparing AZ Auto Insurance Rates by Credit Score
In Arizona, your credit score can raise or lower your car insurance bill more than expected. A higher score unlocks better rates, while fair or bad credit can quietly add hundreds of dollars to your yearly costs. Drivers with good credit stay near $110 a month with top companies.
Arizona Auto Insurance Monthly Rates by Provider & Credit Score| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $120 | $160 | $220 |
| $115 | $150 | $210 |
| $125 | $170 | $230 |
| $130 | $170 | $240 |
| $115 | $155 | $215 |
| $110 | $150 | $210 |
| $120 | $160 | $225 |
| $125 | $165 | $230 |
| $105 | $140 | $190 |
The best Arizona car insurance companies for bad credit are Progressive and Nationwide. Their competitive rates are cheaper than State Farm, Allstate, and Travelers.
Which usage-based insurance might be best for you? Start here to learn about the technology behind helping you save. https://t.co/UT9fDu6UHt
— Nationwide (@Nationwide) May 19, 2020
Drivers with bad credit can sign up for Nationwide SmartRide or SmartMiles for even cheaper rates. Learn more hacks to save money on car insurance.
How Accidents and Claims Drive Up Arizona Insurance Costs
Auto insurance rates in Arizona aren’t random — they reflect the real daily risks drivers face. Things like theft rates, traffic patterns, and even sudden weather events all shape how much you end up paying for car insurance in Arizona.
Arizona Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Vehicle Theft Rate | A | Relatively low theft incidents |
| Traffic Density | B | High congestion in urban areas |
| Weather-Related Risks | B | Moderate risk, occasional storms |
| Average Claim Size | C | Above average in recent years |
Collisions, storms, and thefts all shape why insurance rates look the way they do, and bigger accident payouts push premiums higher across Arizona, especially when drivers need to file an auto insurance claim for major damages. Knowing what types of claims happen most often helps Arizona drivers pick smarter coverage and avoid expensive surprises.
Arizona Auto Insurance: Most Common Claims by Type & Cost| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Animals | 10% | $2,000 |
| Collisions | 40% | $3,000 |
| Theft | 10% | $4,000 |
| Vandalism | 15% | $1,500 |
| Weather Damage | 25% | $2,500 |
Collisions lead the way, often costing drivers $3,000 or more after repairs. Weather claims from hail and windstorms aren’t rare either, especially during Arizona’s storm season when $2,500 repair bills stack up fast. Theft and vandalism are rare but costly, with stolen cars averaging $4,000 without strong coverage.
A low theft rate helps keep comprehensive costs down, while heavy traffic in Phoenix and Tucson drives up liability and collision premiums.
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Driving in Arizona isn’t the same everywhere. Where you live or commute can have a real impact on how much you pay for auto insurance. Cities with more accidents and claims usually see higher premiums, even for drivers with clean records.
Arizona Auto Insurance: Annual Accidents & Claims by City| City | Accidents | Claims |
|---|---|---|
| Chandler | 9,500 | 3,800 |
| Gilbert | 7,000 | 2,800 |
| Glendale | 8,500 | 3,400 |
| Mesa | 10,000 | 4,000 |
| Peoria | 6,000 | 2,400 |
| Phoenix | 50,000 | 20,000 |
| Scottsdale | 7,500 | 3,000 |
| Surprise | 4,500 | 1,800 |
| Tempe | 6,500 | 2,600 |
| Tucson | 12,000 | 5,000 |
Phoenix drivers feel the biggest hit, with 50,000 accidents a year driving insurance rates higher. Mesa and Tucson also see frequent claims, which push premiums up for both long-time residents and newcomers. Drivers in smaller cities like Surprise and Peoria often pay less because fewer accidents mean less risk for Arizona auto insurance companies.
Top Discount Programs From Arizona Auto Insurance Providers
Choosing the best auto insurance companies means knowing which programs actually help lower long-term costs and spotting car insurance discounts you can’t miss. Drivers who understand how discounts work can unlock real savings without giving up important coverage.
Arizona Auto Insurance Discounts From Top Providers| Company | Anti-Theft | Bundling | Good Driver | Good Student | Loyalty |
|---|---|---|---|---|---|
| 10% | 25% | 25% | 22% | 15% |
| 25% | 25% | 25% | 20% | 18% |
| 10% | 20% | 30% | 15% | 12% |
| 35% | 25% | 20% | 12% | 10% |
| 5% | 20% | 40% | 18% | 8% |
| 25% | 10% | 30% | 10% | 13% |
| 15% | 17% | 25% | 35% | 6% |
| 15% | 13% | 10% | 8% | 9% |
| 15% | 10% | 30% | 10% | 11% |
Nationwide’s 40% good driver discount is one of the biggest rewards for Arizona drivers with clean records, keeping full coverage affordable. State Farm’s 35% good student discount helps young drivers manage premiums while building a strong insurance history.
Bundling discounts like American Family’s 25% off for home and auto policies makes a real difference for families managing multiple policies. These bundling discounts, paired with multi-car discounts, help Arizona households reduce insurance costs across the board. Even loyalty discounts, like the 18% from American Family, reward Arizona drivers for sticking with a company that values them.
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Your Guide to Better Auto Insurance Rates in Arizona
Allstate, State Farm, and Nationwide are the best auto insurance companies in Arizona for drivers who want real savings and protection. Allstate stands out with a 25% discount on cheap auto insurance for multiple vehicles, plus valuable perks like accident forgiveness, new car replacement, and vanishing deductibles.
State Farm offers a 35% good student discount and exclusive usage-based savings for new drivers, making it ideal for households with young drivers. Nationwide offers the biggest usage-based discount of up to 40% and helps Arizona drivers with bad credit get coverage at affordable rates.
Choosing the best car insurance in Arizona means finding coverage that fits your needs. Enter your ZIP code to compare multiple car insurance quotes online and find the right insurance company for you.
Frequently Asked Questions
What is the best auto insurance company in Arizona?
The best auto insurance company in Arizona is between State Farm and Allstate, which stand out with strong multi-policy and safe driver discounts.
Does Geico cover Arizona?
Yes, Geico covers Arizona and offers useful add-ons like mechanical breakdown insurance and accident forgiveness, along with competitive rates in cities like Mesa and Tucson.
Why is auto insurance in Arizona so expensive?
Are auto insurance rates high in Arizona? Car insurance in Arizona is so expensive due to traffic density in urban areas, high average claim costs ($3,000+ per collision), and frequent weather-related repairs. If you’re wondering, is it bad to cancel car insurance? Keep in mind that a lapse in coverage can lead to higher future premiums and potential legal penalties.
What is the cheapest auto insurance in Arizona?
The cheapest car insurance in Arizona is offered by USAA for military members and families, followed by Progressive and State Farm for minimum liability coverage, especially for drivers with clean records.
Does a higher deductible mean a lower premium in Arizona?
Yes, choosing a higher deductible in Arizona can lower your premium significantly, but it also means you’ll pay more out-of-pocket after a claim, especially during storm-related vehicle damage.
What car insurance is required in Arizona?
Liability insurance for drivers in Arizona must include at least $25,000 for injuries to one person, $50,000 for accidents, and $15,000 for property damage; however, it is usually wise to choose larger levels.
What is the best coverage for auto insurance in Arizona?
The best coverage for auto insurance in Arizona includes liability, collision, and comprehensive auto insurance, plus uninsured/underinsured motorist coverage due to the state’s high rate of uninsured drivers.
What does liability insurance cover in Arizona?
Liability insurance in Arizona covers medical expenses and property damage you cause to others; the state minimum is $25,000 per person, $50,000 per accident, and $15,000 for property damage.
What does Allstate’s full coverage cover in Arizona?
Allstate’s full coverage in Arizona includes liability, collision, and comprehensive coverage, plus optional protections like new car replacement and roadside assistance tailored to Arizona drivers.
Who is cheaper for auto insurance in Arizona, Geico or Progressive?
Progressive is often cheaper for car insurance in Arizona, especially for drivers using its Snapshot program, while Geico may offer better savings for federal employees and the military.
Who is better in Arizona, State Farm or Allstate?
State Farm is better in Arizona for affordability and customer satisfaction, offering up to 30% savings through Drive Safe & Save, while Allstate is stronger for bundling and accident forgiveness. Compare State Farm auto insurance vs. Farmers, Geico, Progressive, and Allstate to find the best.
What is the best home and auto insurance bundle in Arizona?
The best home and auto insurance bundle in Arizona is from American Family, offering up to 25% in combined savings along with local agent support and flexible deductible options. Explore more tips to pay less for car insurance.
How do you find the best auto insurance in Arizona?
To find the best car insurance in Arizona, enter your ZIP code to compare quotes from multiple providers, check eligibility for discounts, and adjust coverage based on your commute, vehicle age, and financial risk tolerance.
Enter your zip code below to view companies that have cheap insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshir...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
