bestauto insuranceArizona2022The Best Car Insurance in Arizona for 2022
The best car insurance in Arizona offers affordability, customer service and financial stability. In Arizona, GEICO ranked first for affordability, tied for first for financial stability and tied for second for customer satisfaction, making it the best insurer in Arizona.
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Last Updated: 5/12/2022
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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 coverage levels, 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.
bestauto insuranceArizona2022The Best Car Insurance in Arizona
Best Car Insurance Companies in Arizona: Overall
To find the best car insurance companies in Arizona, MoneyGeek scored providers based on their average rates, claims ratings and user satisfaction scores. Our analysis found that the top-rated car insurers in Arizona are:
- GEICO: MoneyGeek score 4.4 out of 5.00
- State Farm: MoneyGeek score 4.0 out of 5.00
USAA is excluded from this analysis, but it received a MoneyGeek score of 4.97, making it the best car insurance company in Arizona for current and former members of the military.
The Top 5 Car Insurance Companies in Arizona
1
GEICO
Score:4.4
At an average cost of $770 yearly, 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.
More About GEICO
GEICO policies in Arizona have unique add-on coverages, such as Mechanical Breakdown Insurance. This covers all car parts and systems, including those not covered by dealer warranties. It also offers coverages occasionally offered by other insurers, like Accident Forgiveness. With GEICO’s Accident Forgiveness, your premiums will not increase after your first at-fault accident, and it can be purchased or earned over time if you stay with GEICO.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:4
Costing an average of $1,253 yearly, State Farm is one of the more expensive insurers in Arizona. However, they have the highest customer satisfaction rating and rank high in financial stability. They also offer rideshare insurance.
More About State Farm
Like most insurers, State Farm offers add-on roadside assistance and rental car and travel cost reimbursement. But 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 Review3
American Family
Score:3.8
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.
More About American Family
American Family is one of the few insurers in Arizona offering OEM. This coverage ensures aftermarket parts will not be used when repairs are made to your vehicle. This means that your insurance rates will not increase after your first at-fault accident. American Family also offers accident forgiveness and gap insurance, which can help protect you against the extra costs involved in getting into an accident.
Read MoneyGeek's American Family auto Insurance Review4
Progressive
Score:3.8
At roughly $1,007 annually, Progressive car insurance ranks second in Arizona for affordability. It also tied for second for financial stability. The company offers unique coverages, including custom parts coverage.
More About Progressive
In Arizona, you can get custom parts coverage from Progressive. This means if you add-on parts to your car, it will still be covered by Progressive, which is not the case with all insurers. Progressive also offers drivers a deductible modification where $50 is deducted from your policy's comprehensive or collision deductible for every six months that you are accident-free.
Read MoneyGeek's Progressive auto Insurance Review5
Travelers
Score:3.7
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 high ratings in claims. The company offers rideshare insurance.
More About Travelers
For drivers in Arizona who drive for Uber or Lyft and live in Colorado or Illinois, limited ride-sharing coverage endorsement can help protect individuals who drive for transportation network companies. For other customers who may need to rent a car when theirs is out of commission for more than 24 hours, a Travelers policy gives you the option to add extended transportation expenses coverage, which helps to pay for the rental. You can also add gap insurance to your policy which will cover if the value of your car is lower than the auto loan or lease.
Read MoneyGeek's Travelers auto Insurance ReviewHOW WE DETERMINED THE BEST INSURANCE IN ARIZONA
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:
Compare the Best Insurance Options in Arizona
Apart from affordability, service ratings and financial stability, the best car insurance in Arizona also depends on what combination of coverage and benefits suits you best. MoneyGeek’s in-depth review analyzed the best providers for different categories to help you find the right option for your needs.
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Best Car Insurance in Arizona for Customer Service
To find the best car insurance companies for those focused solely on quality service rather than cost, MoneyGeek ranked companies based on their claims ratings and user satisfaction scores. The top-rated companies for customer service in Arizona are:
- State Farm: MoneyGeek score 4.5 out of 5.00
- Liberty Mutual: MoneyGeek score 4.2 out of 5.00
These are the top two insurance companies when cost is not considered, so you may be paying extra for quality service. For instance, State Farm is the third most expensive insurance company in Arizona among companies for which quotes are available.
The Top 2 Car Insurance Companies in Arizona for Service Quality
1
State Farm
Score:4.5
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.
More About State Farm
State Farm’s main appeal is its service reputation, which is important since you’ll be using its services during a time of 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.
Read MoneyGeek's State Farm auto Insurance Review2
Liberty Mutual
Score:4.2
Liberty Mutual has the highest claims rating in Arizona and ranks second overall in the state for customer satisfaction.
More About Liberty Mutual
Liberty Mutual offers drivers in Arizona optional Original Equipment Manufacturer (OEM) Coverage to cover the cost of replacing any damaged car 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.
Read MoneyGeek's Liberty Mutual auto Insurance ReviewBest Car Insurance in Arizona for Drivers on a Budget
If you are on a budget, MoneyGeek scored the best car insurance rates in Arizona for those looking for the minimum car insurance required by Arizona car insurance laws.
MoneyGeek found that the two top rated companies for drivers on a budget in Arizona are:
- GEICO: 4.4 out of 5
- State Farm: 4 out of 5
This score is based on the provider offering the best balance of affordability for a minimum coverage policy and customer service.
MoneyGeek’s Pick: GEICO
pros
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
cons
Does not offer paid in full or paperless policy discounts, easy ways to save offered by other companies.
COMPANY HIGHLIGHTS
GEICO already has one of the lowest cost 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 major discounts offered by most insurance companies.
It also offers many ways to save if you have safety systems on your car. Drivers can get even lower rates through its anti-theft system, anti-lock brakes and airbag discounts. With GEICO, it pays to have all the latest driving safety technology.
Best Car Insurance in Arizona for Poor Driving Records
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.
MoneyGeek found that the two top-rated companies for drivers with a poor record in Arizona are:
- GEICO: 4.4 out of 5
- State Farm: 4.3 out of 5
These scores are based on the company’s balance of both affordability after an accident and customer service.
MoneyGeek’s Pick: [Company Name]
pros
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
cons
GEICO does not offer new car or better car replacement, so it may not be the best fit for drivers with new cars.
COMPANY HIGHLIGHTS
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 they get into an accident, including:
- Roadside Assistance: Pays for the cost of flat tires, towing, jump starts 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 as a result of 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 members of the military.
USAA has a score of 5 out of 5, which is higher than the highest-ranked widely available insurers, GEICO at 4.4 and State Farm at 4.0, respectively.
MoneyGeek’s Pick: USAA
pros
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
cons
Only active duty military, veterans or their family members can buy a policy.
COMPANY HIGHLIGHTS
USAA offers the lowest cost policies in Arizona, an average of $790 per year, but 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 of the core 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 Young Drivers and Students
MoneyGeek scored the best car insurance companies in Arizona for young drivers or students based on the cost of car insurance for young drivers.
The top-rated car insurers in Arizona are:
- GEICO: 4.4 out of 5
- Nationwide: 3.6 out of 5
The scores used in this ranking balance the provider’s affordability and customer service ratings for companies when you add a young driver to the policy.
MoneyGeek’s Pick: GEICO
pros
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
cons
Does not offer a distant student discount, which helps you save when your kids are away.
COMPANY HIGHLIGHTS
Adding young drivers to a car insurance policy can be very expensive, but GEICO is affordable while still offering great service. On average, young drivers are more likely than any other drivers to get into an accident on the road, so it’s important that you’re backed by a company with a strong service reputation.
GEICO also offers unique discounts that can 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 Those With New Cars
If you have a new car in Arizona, MoneyGeek ranked the best car insurance companies based on how highly a provider is rated and whether they offer a form of new or better car replacement. The best insurer in Arizona with better car replacement for drivers with new cars is Travelers, with a MoneyGeek score of 3.7 out of 5.0.
New car replacement is an optional coverage that allows policyholders with newer cars to get reimbursed for the value of a brand new car model, not just the depreciated value. If your insurer offers better car replacement, you can get a newer car model.
MoneyGeek’s Pick: Travelers
pros
Travelers offers new car replacement, covering you up to five years
cons
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
COMPANY HIGHLIGHTS
After you drive off the lot at your local Arizona car dealership, your vehicle will immediately depreciate in value. 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 a great 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 in full if something happens on the road early years of their ownership.
Best Car Insurance in Arizona for Low-Mileage Drivers
Insurers are expanding the use of pay-per-mile, where drivers pay for car insurance based mostly on how many miles they drive. For low mileage drivers in Arizona, Metromile is the best option for pay-per-mile car insurance.
Metromile calculates a base rate based on the age of the driver, credit history, type of vehicle, driver history and other factors. This means that your pay-per-mile rate is unique to you and will depend on your specific profile.
MoneyGeek’s Pick: MetroMile
pros
Affordable rates for car owners who drive very little
cons
More expensive than traditional car insurance for those who drive regularly
COMPANY HIGHLIGHTS
Many insurance companies in Arizona offer some form of pay-per-mile insurance, but MetroMile is the only one that offers 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. If you drive very few miles per month, you could be eligible for big savings.
How to Find the Best Car Insurance in Arizona in 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.
1
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.
2
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.
3
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.
4
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.
Methodology
Data on car insurance costs in Arizona was collected by MoneyGeek in collaboration with Quadrant Information Services. Costs are for the driver and policy described in our methodology page unless otherwise noted.
To measure service quality, MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the National
Information on what coverages and discounts are offered by insurance companies in Arizona was collected by MoneyGeek from on insurer websites or from their online quote tools.
About the Author
sources
- StateFarm. "Coverage Options." Accessed September 1, 2021.