The Best Car Insurance in Arizona
MoneyGeek found that GEICO is the best car insurance company in Arizona. However, the best insurer for you will depend on your needs. Whether you value affordability, customer satisfaction or choosing the right level of coverage for your needs, MoneyGeek found the best car insurance companies in Arizona for different buyer profiles.
MoneyGeek also analyzed the cheapest car insurance companies in Arizona to help you find the most affordable options, regardless of service quality.
Best Full Coverage Car Insurance Companies in Arizona: Overall
The best overall car insurance provider in Arizona is GEICO. In order to find the best car insurance companies in Arizona, MoneyGeek reviewed providers based on their average rates, claims ratings and user satisfaction scores.
Our analysis found that the top two car insurers in Arizona are:
- GEICO: MoneyGeek score of 88 out of 100 ($770 per year)
- State Farm: MoneyGeek score of 80 out of 100 ($1,253 per year)
USAA is excluded from this analysis, but it received a perfect MoneyGeek score in all categories, making it the best car insurance company in Arizona for current and former members of the military.
Moreover, MoneyGeek discovered the cheapest full coverage car insurance in Arizona for individuals who are primarily focused on saving money.
THE TOP CAR INSURANCE COMPANIES IN ARIZONA
GEICO ranks highest in Arizona for affordability. It also has the highest financial stability score and ranks second overall for customer satisfaction. GEICO offers customers mechanical breakdown insurance.
Average Annual Cost: $770
GEICO policies in Arizona have unique add-on coverages available, such as mechanical breakdown insurance. This covers all car parts and systems, including those not covered by dealer warranties. GEICO also offers coverages commonly offered by other insurers, like accident forgiveness. With GEICO’s accident forgiveness, your premiums will not increase after your first at-fault accident. You can either purchase this coverage or earn it if you’re at least 21 and have been accident-free for at least five years.
GEICO also provides roadside assistance coverage. It covers expenses involving changing flat tires, towing, jump starting car batteries and lockout services.
Read MoneyGeek's GEICO Auto Insurance Review
State Farm is one of the more expensive insurers in Arizona. However, they have the highest customer satisfaction rating and also rank high in financial stability. They offer rideshare insurance as an add-on.
Average Annual Cost: $1,253
Like most insurers, State Farm offers add-on roadside assistance and rental car and travel reimbursement. Roadside assistance helps car owners when they need towing, a tire change, locksmith services or a battery jumpstart. State Farm covers all expenses related to these events.
However, it doesn’t offer much in the way of unique coverages. If you work for Uber or Lyft, State Farm may be a good choice as it offers rideshare coverage that extends all coverages from your auto policy when the rideshare app is on.
Read MoneyGeek's State Farm Auto Insurance Review
An American Family car insurance policy costs around $1,138 yearly. This insurer tied with GEICO for second place for customer satisfaction and has high financial stability scores. The company offers optional original equipment manufacturer (OEM) coverage.
American Family is one of the few insurers in Arizona offering OEM coverage. This ensures aftermarket parts will not be used when repairs are made to your vehicle.
American Family also offers accident forgiveness and gap insurance, which can help protect you against the extra costs involved in getting into an accident. Accident forgiveness prevents your rates from increasing after your first at-fault accident, while gap insurance covers the difference between your remaining loan or lease and the value of your car.
Moreover, if you work for a ridesharing company, this provider offers rideshare insurance which protects you in case you get in an accident while working for a company like Uber or Lyft.
Read MoneyGeek's American Family Auto Insurance Review
At roughly $1,007 annually, Progressive car insurance ranks second in Arizona for affordability. It is also tied for second for financial stability. The company offers unique coverages, including custom parts coverage.
In Arizona, you can get custom parts coverage from Progressive. This means if you add aftermarket parts to your car, they will still be covered by Progressive, which is not the case with all insurers. Progressive also offers drivers a deductible modification wherein $50 is deducted from your policy's comprehensive and collision deductible for every six months you are accident-free.
Progressive also offers gap insurance which helps car owners when their loan amount is more than the worth of the vehicle. Gap insurance pays the difference if the car is totaled.
Aside from those, Progressive also offers coverage for those who work for ridesharing companies. With its rideshare insurance, policyholders are protected in case an accident happens while waiting for a rideshare request. It also covers repair or replacement costs for the damaged vehicle.
Read MoneyGeek's Progressive Auto Insurance Review
The average cost of a Travelers car insurance policy is $1,234 yearly. Travelers tied for first place for financial stability in Arizona and has a high rating in claims. The company offers rental car and travel reimbursement.
For customers who may need to rent a car when theirs is out of commission for more than 24 hours, a Travelers policy allows you to add rental car and travel reimbursement coverage called extended transportation expenses coverage, which helps pay for the rental.
Travelers also offers gap insurance. It protects policyholders if their vehicles (owned or leased) get totaled by paying the difference between the actual cash value of the vehicle and the balance of the car loan.
Read MoneyGeek's Travelers Auto Insurance Review
For this study, MoneyGeek collected full coverage policy quotes from different providers for a sample driver to determine the best full coverage policies in Arizona. Average rates in Arizona can differ greatly depending on your background. The user satisfaction and claim ratings in this analysis were collected from J.D. Power and the NAIC. You can find more details on sample drivers, policy and assumptions in our methodology.
MoneyGeek's Arizona Car Insurance Resources:
Best Car Insurance in Arizona for Customer Service
For those who value customer service, State Farm is the best provider in Arizona.
MoneyGeek ranked companies in Arizona based on their claims ratings and user satisfaction scores.
Using these factors, the best companies for customer service in Arizona are:
- State Farm: MoneyGeek score 89 out of 100
- Liberty Mutual: MoneyGeek score 85 out of 100
Note that this evaluation does not consider cost, which means you may be paying extra for quality service. For instance, State Farm is the third most expensive insurance company in Arizona among companies that have available quotes.
THE TOP TWO CAR INSURANCE COMPANIES IN ARIZONA FOR SERVICE QUALITY
In Arizona, State Farm has the highest customer satisfaction ratings and ranks highest overall for customer service, with a score of 4.5. State Farm is one of the more expensive insurers in the state, with an average annual cost of $1,253 per year, so you’re paying extra for quality service.
State Farm’s main appeal is its service reputation, which is important since you’ll be using its services during a crisis, such as after a car crash. It doesn’t offer many unique coverages, but it does offer some core add-on coverages.
For example, one benefit of a State Farm policy is rental car coverage. This covers travel expenses of up to $500 and up to $500 repayment of deductible if you cause an accident in your rental car.
State Farm also offers roadside assistance that provides help if your vehicle is stranded and needs towing, locksmith services or the delivery of gas, oil or batteries.
Read MoneyGeek's State Farm Auto Insurance Review
Liberty Mutual has the highest claims rating in Arizona and ranks second overall in the state for customer satisfaction.
Liberty Mutual offers drivers in Arizona optional original equipment manufacturer (OEM) coverage to cover the cost of replacing any damaged car parts with original manufacturer parts, which is quite rare.
With Liberty Mutual, you can also get new car replacement coverage, which means that if your new car gets totaled when it is less than one year old and with less than 15,000 miles, you can get a brand-new car.
Moreover, this insurer also offers disability coverage which means that Liberty Mutual will pay you $60 per day if a car accident rendered you disabled. Do note that this coverage only applies to you, the primary driver on the policy. This coverage works best with the auto death indemnity coverage provided by this insurer.
Its auto death indemnity coverage works like life insurance. If you die due to a car accident, Liberty Mutual pays either $5,000 or $10,000 to the person you nominated as your beneficiary.
Read MoneyGeek's Liberty Mutual Auto Insurance Review
Best Car Insurance in Arizona for Minimum Coverage
For those on a budget, GEICO is the best and most affordable auto insurance provider in Arizona. This is based on a minimum-liability policy.
For those looking for the minimum car insurance mandated by Arizona’s minimum coverage requirements, MoneyGeek found that the two top-rated companies for drivers on a budget in Arizona are:
- GEICO: 88 out of 100 ($366 per year)
- State Farm: 80 out of 100 ($619 per year)
This score is based on the provider offering the best balance of affordability for a minimum coverage policy and customer service. MoneyGeek reviewed Arizona's cheapest minimum coverage car insurance for those who focus on savings.
MoneyGeek’s Pick: GEICO
An affordable minimum coverage policy at $366 per year
Safe driving and bundling discounts help you save even more
High claims ratings and user satisfaction ratings mean you’re not sacrificing quality
Does not offer paid in full or paperless policy discounts, easy ways to save offered by other companies.
GEICO already has one of the most affordable policies in Arizona, but you can save even more with its discounts. The insurer offers bundling, safe driving and multiple car insurance discounts. These are the three significant discounts offered by most insurance companies.
With GEICO’s bundling offer, you can include home, renters, condo or mobile home insurance with your car insurance to get a discount. A safe driving discount is suitable for those who have been accident-free for five years. You may also consider the multiple car discount to save if you have more than one vehicle.
It also offers many ways to save if your car has safety systems. Drivers can get even lower rates through its anti-theft system, anti-lock brakes and airbag discounts.
Best Car Insurance in Arizona for Young Drivers and Students
If you are a young or new driver, GEICO is the best insurer for you. MoneyGeek’s ranking of the best car insurance companies in Arizona for young drivers or students are:
- GEICO: 88 out of 100
- Nationwide: 73 out of 100
The scores used in this ranking balance the provider’s affordability and customer service ratings when you add a young driver to the policy. MoneyGeek’s research for this category covered rates for those in their late teens or early 20s, in high school or college.
For those primarily focused on savings, MoneyGeek evaluated and found the cheapest car insurance in Arizona for young drivers and students.
MoneyGeek’s Pick: GEICO
One of the most affordable companies for adding a young driver at $1,879 per year
Good student and driver’s education discounts help young drivers save even more
MoneyGeek claims ratings and user satisfaction ratings of 4.4 out of 5
Does not offer a distant student discount, which helps you save when your kids are away.
Adding young drivers to a car insurance policy can be very expensive, but GEICO offers affordable options while still offering great service.
Young drivers are more likely to get into an accident since they are inexperienced. So, you should choose a company with a strong service reputation.
GEICO also offers unique discounts that benefit families with young drivers, including a good student discount, where you can get a discount if you are a full-time student with a good academic record. You can even get a discount on your policy for completing a driver's education course.
Best Car Insurance in Arizona for Seniors
MoneyGeek evaluated the best auto insurance providers in Arizona for seniors based on their customer service records and affordability. We found that these two options are the best for seniors in Arizona:
- GEICO: MoneyGeek score of 88 out of 100 ($837 per year)
- The Hartford: MoneyGeek score of 82 out of 100 ($1,151 per year)
Every insurance provider’s score is based on their ability to manage affordability and top-notch customer service.
Plus, MoneyGeek checked the cheapest minimum coverage car insurance companies in Arizona for seniors who want to focus on saving.
MoneyGeek’s Pick: GEICO
One of the most affordable companies for seniors at $837 per year
Offers roadside assistance and accident forgiveness coverage
Offers senior driver and defensive driving discounts
Scored 4 out of 5 in claims and user satisfaction ratings
Car insurance premiums generally cost more for seniors than for middle-aged adults. But, GEICO offers a reasonable cost for its high-quality service and customer satisfaction record. Finding an insurance company that excels in these two areas is something you must consider.
Aside from its roadside assistance, GEICO offers rental car or travel reimbursement for its policyholders. If you are in an accident and your car isn’t usable for more than 24 hours, GEICO will pay for a rental vehicle.
What’s great about GEICO is that they offer senior-related discounts such as defensive driving, safe driving, senior driver and more.
Best Car Insurance in Arizona for Bad Driving Records
If you have a poor driving record due to a speeding ticket or an at-fault accident, GEICO is the best provider for you.
MoneyGeek found that the two top-rated companies for drivers with a poor record in Arizona are:
- GEICO: MoneyGeek score of 88 out of 100 ($1,116 per year)
- State Farm: MoneyGeek score of 87 out of 100 ($1,482 per year)
To identify the best car insurance companies in Arizona for drivers with a bad driving record, MoneyGeek scored providers based on the cost of car insurance for those with an at-fault accident on their record and the quality of their service.
For those focused on saving, MoneyGeek studied the cheapest car insurance in Arizona for those with a DUI or bad record.
MoneyGeek’s Pick: GEICO
An affordable full coverage policy for poor drivers at $1,116 per year
Add-on coverages include roadside assistance, rental car reimbursement and accident forgiveness
MoneyGeek claims ratings and user satisfaction ratings of 4 out of 5
GEICO does not offer new car or better car replacement, so it may not be the best fit for drivers with new cars.
GEICO is the best company in Arizona for drivers with bad driving records. Our sample driver paid an average of $1,116 per year, the cheapest in the state. GEICO also ranks well for customer satisfaction and claims ratings.
GEICO offers coverages that may help drivers after an accident, including
- Roadside Assistance: Pays for the cost of changing flat tires, towing, jumpstarts and lockout services.
- Rental Car and/or Travel Reimbursement: Pays up to a preset amount for a rental vehicle if your car isn't driveable for more than 24 hours because of a covered accident.
- Accident Forgiveness: With accident forgiveness on your GEICO auto insurance policy, your insurance rate won't go up due to your first at-fault accident. You can purchase accident forgiveness or earn it if you're over 21 and have been accident-free for five years or more.
Best Car Insurance in Arizona for a Military Background
USAA ranks as the best provider in Arizona based on MoneyGeek’s scoring system. However, this provider is only available to current and former military members.
USAA has a near-perfect MoneyGeek score of 99 out of 100, which is higher than the highest-ranked widely available insurers, GEICO at 88 and State Farm at 80, respectively.
MoneyGeek’s Pick: USAA
A low-cost full coverage policy at an average of $790 per year
You can add on accident forgiveness and roadside assistance
Perfect marks for customer service
Only active duty military, veterans or their family members can buy a policy.
USAA offers the cheapest policies in Arizona, an average of $790 per year. Still, it doesn’t sacrifice quality, as it gets perfect scores for customer service. The military-only insurer has one of the best reputations in the country.
Some discounts and add-on coverages offered by USAA include:
- Accident Forgiveness: Your insurance premiums will not increase for the first at-fault accident if you remain accident-free for five years at USAA.
- Rideshare Insurance: USAA offers rideshare gap coverage to cover you while waiting for a rideshare request.
- Roadside Assistance: USAA pays for towing, unlocking your vehicle, jumpstarting your battery, changing a flat or delivering gasoline.
- Multiple Car Discount: You can get a discount for your USAA policy if you insure more than one car.
- Defensive Driving Discount: USAA will give you a discount on your car insurance policy if you take an approved driver safety course.
Best Car Insurance in Arizona for Those With New Cars
The best insurer in Arizona for drivers with new cars is Travelers, with a MoneyGeek score of 73 out of 100 ($1,234 per year).
For drivers with new cars, MoneyGeek ranked the best car insurance companies based on how highly a provider is rated and whether they offer new or better car replacement coverage options.
New car replacement coverage is an optional add-on that allows policyholders with new cars to get reimbursed for the value of a brand-new car model if theirs is totaled, not just the depreciated value. If your insurer offers better car replacement coverage, you can get a newer car model.
MoneyGeek’s Pick: Travelers
Travelers offers new car replacement, covering you up to five years
Travelers is one of the more expensive insurers in the state with an average cost of $1,234 per year
It only offers new car replacement, not better car replacement
It has a MoneyGeek user satisfaction rating of 3.7 out of five
After you drive off the lot at your local Arizona car dealership, your vehicle will immediately depreciate. New car replacement coverage from Travelers means that if your car is totaled, you’ll get reimbursed for a brand new car of the same make and model, making it an excellent option for owners of new vehicles. Travelers also has a stellar claims satisfaction reputation.
Travelers’ add-on coverage is called Premier New Car Replacement. It covers your new car for its first five years, meaning that new car owners can rest assured they’ll be able to replace their car if something happens on the road during the early years of their ownership.
Best Car Insurance in Arizona for Low-Mileage Drivers
For low-mileage drivers in Arizona, Metromile is the best option for pay-per-mile car insurance. Pay-per-mile insurance is where drivers pay for car insurance based on how many miles they drive.
Metromile calculates a base rate based on the driver's age, credit history, type of vehicle, driver history and other factors. Your pay-per-mile rate is unique to you and will depend on your specific profile.
MoneyGeek’s Pick: Metromile
Affordable rates for car owners who drive very little
More expensive than traditional car insurance for those who drive regularly
Many insurance companies in Arizona offer some form of pay-per-mile insurance. Still, MetroMile is the only one that provides it as its core product. Metromile is only available in eight states nationwide, and Arizona is one of them.
When you join Metromile, they’ll calculate your rates based on factors about you, including age, credit score and vehicle type, just like other insurance companies. But after you drive for a month, you’ll be charged a base rate plus a rate based on how many miles you drive. You could be eligible for significant savings if you drive very few miles per month.
Remember, your per-mile rate is calculated based on the factors mentioned earlier, so you may have a different rate from your friends and neighbors.
How to Find the Best Car Insurance in Arizona For You
When looking for the best car insurance companies in Arizona, it is important to consider a balance of affordability, customer satisfaction and financial stability. You can use MoneyGeek’s data to find this information or research the insurer’s on your own.
Research customer service reputations in Arizona
MoneyGeek collected customer service reputations for different insurers in Arizona. However, you can also find this information by looking up J.D. Power satisfaction scores and NAIC complaint ratios in Arizona for the car insurers you want to research. You can even check Arizona’s department of insurance website for more information.
Compare quotes for yourself
MoneyGeek’s quotes are averages for sample drivers in most of Arizona, but not everywhere. To get an accurate idea of how much car insurance costs for your particular profiles, always compare at least three quotes.
Make sure the company has coverages you want in Arizona
In some cases, car insurers may only offer certain coverages and discounts in certain states. This means it is important to check which coverages and discounts are available in your specific state before you sign up for a policy.
Double-check financial stability ratings
It is important to check the financial strength rating of an insurer. Large insurance companies tend to be financially stronger, but regional insurance companies in Arizona may have lower ratings.
FAQs About the Best Car Insurance in Arizona
The best car insurance in Arizona for you will depend on what you’re looking for. MoneyGeek answers some of the most common questions about balancing cost and quality considerations for car insurance below.
Expert Advice: Finding the Best Car Insurance in Arizona
About Mark Fitzpatrick
- StateFarm. "Coverage Options." Accessed September 1, 2021.