9 Best Auto Insurance Companies in Arizona
Nationwide, Liberty Mutual, and State Farm are the best auto insurance companies in Arizona. Liability rates start at $33 per month to meet 25/50/15 limits. Safe drivers earn 40% off with Nationwide. Liberty Mutual covers newer vehicles, and State Farm cuts costs for multi-policy households.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
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Sara Routhier, Senior Director of Content, has professional experience as an educator, SEO specialist, and content marketer. She has over 10 years of experience in the insurance industry. As a researcher, data nerd, writer, and editor, she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world of insurance....
Sara Routhier
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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...
Kristen Gryglik
Updated October 2025
The best auto insurance companies in Arizona are Nationwide, Liberty Mutual, and State Farm, given their handling of high crash rates and costly hail damage across cities like Phoenix.
- SmartMiles by Nationwide lowers costs for low-mileage Arizona drivers
- The best auto insurance companies in Arizona offer accident-free renewal discounts
- Arizona drivers can lower costs after an accident with vanishing deductibles
Nationwide helps Arizona drivers with poor credit save up to 40% through SmartRide’s behavior-based discounts.
Liberty Mutual covers full car replacement after storms, which is ideal for Tucson’s weather risks, while State Farm offers 35% off for good students and 17% for bundling.
Our Top 9 Picks: Best Auto Insurance Companies in Arizona| Company | Rank | Claims Satisfaction | A.M. Best | Best for | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 728 / 1,000 | A+ | Usage-Based Discounts | Nationwide |
 | #2 | 717 / 1,000 | A | Comprehensive Coverage | Liberty Mutual |
 | #3 | 710 / 1,000 | A++ | Trusted Brand | State Farm |
 | #4 | 706 / 1,000 | A | AARP Benefits | Farmers |
 | #5 | 692 / 1,000 | A | Customer Satisfaction | American Family |
 | #6 | 692 / 1,000 | A++ | Online Tools | Geico |
 | #7 | 691 / 1,000 | A+ | Accident Forgiveness | Allstate |
 | #8 | 684 / 1,000 | A++ | Safe Drivers | Travelers |
 | #9 | 672 / 1,000 | A+ | Discount Variety | Progressive |
Drivers across Arizona, including in Mesa or Glendale, can still meet the state’s 25/50/15 liability limits, with rates starting at just $33 monthly.
Enter your ZIP code to get multiple auto insurance quotes and quickly find the lowest available rates based on your specific location and driving profile.
Compare Rates From the Best Arizona Car Insurance Companies
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 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.
Nationwide’s flexible mileage-based pricing model makes it ideal for remote workers or part-time commuters across Arizona looking to cut monthly costs.
Michelle Robbins Licensed Insurance Agent
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 Options| 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 Full Coverage Auto Insurance Monthly Rates by 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.
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.
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How Accidents & Claims Affect Auto Insurance Costs in Arizona
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.
Jeff Root Licensed Insurance Agent
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.
Auto Insurance Discounts From Top Arizona 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.
Best Auto Insurance Discounts in Arizona| 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.
Other Ways to Lower Your Car Insurance Rates in AZ
If you’re looking to save with the best auto insurance companies in Arizona, there are a few smart ways to lower your rate. Signing up for telematics programs like Nationwide’s SmartRide or SmartMiles can get you up to 40% off if you drive safely or don’t put in a lot of miles.
Keeping a clean record matters, too—just one accident can raise your rate by over $100 a month, and a DUI could spike it to $446 with some providers. Bundling your auto and home insurance, especially with companies like State Farm, can take 17% off your bill. Credit plays a role in Arizona, so improving your score can make a big difference.
Choosing comprehensive auto insurance helps in places like Tucson and Phoenix, where hail and theft claims can get expensive fast. To see what savings you qualify for, enter your ZIP code and compare personalized quotes from top Arizona insurers.
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Top 9 Car Insurance Companies for Arizona Drivers
Nationwide, Liberty Mutual, and State Farm are the best car insurance providers in Arizona. Policyholders in Arizona consistently rate these companies highly for claims handling, according to a recent J.D. Power study.
Review the pros and cons of each provider to see how their discounts, coverage options, and customer service compare for Arizona drivers.
#1 – Nationwide: Top Overall Pick
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.
#2 – 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.
#3 – 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.
#4 – 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.
#5 – American Family: Best for Customer Satisfaction
Pros
- High Satisfaction Ratings: American Family is among the top three companies 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.
#6 – Geico: Best for Online Tools
Pros
- Robust Mobile App: Geico’s mobile app lets Arizona drivers access ID cards, request roadside help, and manage policies instantly. Learn how digital tools and driver discounts stack up in our Geico auto insurance review.
- Digital Discounts: Safe driving and vehicle safety features unlock online discounts, helping Arizona drivers with minor infractions save. Read more in our Geico insurance review.
- Quote Customization: Geico’s quote tools allow Arizona residents to adjust coverages and limits to meet 25/50/15 requirements with clarity.
Cons
- Steep Rate Increases: Arizona drivers may see sharp premium hikes after at-fault accidents if not enrolled in accident forgiveness.
- Limited Bundling Options: Geico offers fewer bundling opportunities in Arizona, reducing total savings for families with multiple policies.
#7 – Allstate: Best for Accident Forgiveness
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.
#8 – 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.
#9 – 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.
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?
What is the best home and auto insurance bundle in Arizona?
How do you find the best auto insurance in Arizona?
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