BestCar InsuranceArizonaBest Car Insurance in Arizona (May 2023)
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Auto-Owners Insurance is our pick as the overall best car insurance company in Arizona. In fact, it's the winner in most categories. These include customer service, minimum coverage, young adults, seniors and drivers with violations.
Travelers is Arizona's best car insurance company for insuring new cars. For military-affiliated drivers, USAA is the highest-ranking company.
We've also listed the cheapest car insurance in Arizona, not considering service quality.
BestCar InsuranceArizonaBest Car Insurance in Arizona
Best Overall - Auto-Owners and American National
Best for Service - Auto-Owners and American National
Best for Minimum Coverage - Auto-Owners and American National
Best for Young Adults - Auto-Owners and American National
Best for Seniors - Auto-Owners and American National
Best for Driving Offenses - Auto-Owners and American National
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Arizona
MoneyGeek found Auto-Owners Insurance has the best full coverage policies in Arizona.
The top car insurance companies in the state are:
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($767 per year)
- Travelers: MoneyGeek score of 90 out of 100 ($743 per year)
Auto-Owners Insurance provides the third-cheapest rates of the 15 companies we surveyed. It maintains an excellent customer service reputation in Arizona, too.
We also analyzed Arizona's cheapest full coverage car insurance options.
MoneyGeek Top Pick
COMPANY HIGHLIGHTS
You can expect affordability and great customer service from Auto-Owners Insurance. It costs around $767 per year and offers most basic add-on coverages. Auto-Owners Insurance is our choice as the best car insurance provider in Arizona. It offers affordable premiums and stellar customer service. Moreover, the company has unique optional coverages to give vehicles better protection.
You can get diminished value coverage as an add-on. It compensates you if your car's value drops following an accident. This coverage protects your investment by covering your vehicle’s reduction in value.
Auto-Owners Insurance also offers accident forgiveness coverage. This ensures you won’t get punished for isolated incidents. You should have a clean record for at least 36 months to qualify.
Gap insurance is another optional coverage offered by Auto-Owners Insurance. It covers the difference between your vehicle's cash value and your loan or lease balance.
MoneyGeek Runner-Up
COMPANY HIGHLIGHTS
Travelers is MoneyGeek's next-best car insurance provider in Arizona. At $743 per year, it's the second cheapest option in the state. Yet, it still has excellent customer satisfaction ratings. Additionally, Travelers provides most basic optional coverages, like roadside assistance.
Travelers is our second-best pick if you’re looking for car insurance in Arizona. It balances affordability and service quality with a range of coverage options.
Travelers has accident forgiveness coverage through its Responsible Driver Plan. It can protect you from premium increases after your first accident in a specified time.
If you've financed or leased your vehicle, you may opt for Travelers' gap insurance. This can cover the gap between your car's cash value and your remaining balance if you suffer a total loss.
Travelers also offers rental car reimbursement. This takes care of rental costs if your vehicle needs 24+ hours of repairs after a covered accident.
How the Best Insurers in Arizona Rank: MoneyGeek Scores and Costs
MoneyGeek evaluated 15 car insurance companies in Arizona. Auto-Owners Insurance stood out as the state's best provider. It wasn't the cheapest, but it had excellent marks across categories. It even had a perfect score for customer satisfaction.
Travelers is our runner-up pick, with slightly cheaper premiums. But, it also had lower scores in all metrics. You may get more bang for your buck with Auto-Owners Insurance.
Note that the rates used in this study apply to full-coverage car insurance. Only companies with enough data for our rating system get a MoneyGeek rating.
Best Car Insurance in Arizona for Customer Service
We found Auto-Owners Insurance Co is the best insurance company for customer service.
The top providers in the state when it comes to customer satisfaction are:
- Auto-Owners Insurance Co: MoneyGeek score of 89 out of 100 ($767 per year)
- Country Financial: MoneyGeek score of 88 out of 100 ($1,369 per year)
Auto-Owners Insurance Co also has a great selection of add-on coverages.
Remarkably, Auto-Owners Insurance is the third cheapest among the 15 insurers surveyed. It doesn't compromise service quality for affordability.
pros
Offers the third cheapest policies in Arizona
With good coverage options and customer service reputation
Has diminished value coverage as an add-on
cons
Below-average claims management
Lacks OEM coverage
COMPANY HIGHLIGHTS
Auto-Owners Insurance ranked number one in customer service for Arizona car insurance. This provider also has valuable optional coverages.
It offers Personal Automobile Plus, bundling over 10 coverages at one competitive rate. This covers costs related to identity theft, rekeying, cell phone replacement and more.
Auto-Owners Insurance also offers diminished value coverage as an add-on. This insurance pays you if your car's worth decreases after an accident. So, your investment is a bit safer.
You can also get accident forgiveness to avoid premium increases after one accident. You need a clean driving record for at least 36 months to qualify.
What Makes an Insurer the Best for Customer Service?
It's important to find a car insurance provider that can reduce your stress.
Go for one that processes and pays claims fast, is highly responsive, and is ready to problem solve.
Auto-Owners Insurance shines here. It has an excellent reputation for customer service and offerings.
Best Car Insurance in Arizona for Minimum Coverage
Auto-Owners Insurance is the best minimum-coverage car insurance provider in Arizona. Moreover, our study reveals that these are the best insurers in this category:
- Auto-Owners Insurance: MoneyGeek score of 93 out of 100 ($346 per year)
- Country Financial: MoneyGeek score of 92 out of 100 ($385 per year)
Auto-Owners Insurance bested 14 other providers with its affordable rates and great customer satisfaction reputation.
Buying cheap minimum car insurance in Arizona may result in savings. But, it also means less protection. It can result in minimal liability coverage and no protections for damages to your car.
pros
Minimum coverage policy costs around $346 per year
Offers safe driver, airbag and early signing discounts
Good customer service
cons
Mediocre claims management reputation
COMPANY HIGHLIGHTS
Auto-Owners Insurance is Arizona's best choice for minimum coverage car insurance. At an average yearly cost of $346, it's the second most affordable among the 15 surveyed companies. Despite its affordability, the company still maintains quality service.
This provider also offers discounts to reduce your insurance costs further. Some are available to drivers who:
- Have a good driving history
- Insure multiple vehicles
- Bundle car insurance with other Auto-Owners Insurance products
Going paperless, getting a quote before the effective date and paying in full and on time can save money.
What Makes an Insurer the Best for Minimum Coverage?
Full-coverage car insurance may not fit everyone's budget or requirements. But, everyone needs minimum coverage, which is the least you can legally have in your state.
A good minimum coverage policy offers these limits at a cost-effective price. It may also have discount opportunities to lower your premiums further.
We found Auto-Owners Insurance is, once again, the best choice. It has low rates and a reputation for good customer service. It also provides several discounts, including rare deductions.
Best Car Insurance in Arizona for Young Adults
MoneyGeek's research found Auto-Owners Insurance is best for Arizona's young adults.
We evaluated affordability and service quality for drivers in their twenties. These providers received the highest scores:
- Auto-Owners Insurance: MoneyGeek score of 91 out of 100 ($1,052 per year)
- Travelers: MoneyGeek score of 90 out of 100 ($831 per year)
Auto-Owners Insurance stood out thanks to its affordable rates and optional coverages.
Generally, people in their 20s get cheaper car insurance than teenagers. Yet, young adults still pay way more than their older counterparts.
By shopping around, you can find cheap car insurance for young adults in Arizona.
pros
Offers the third cheapest rates at $1,052 per year
With good and distant student discounts
Has a great selection of optional riders
cons
Average claims management
COMPANY HIGHLIGHTS
Auto-Owners Insurance is our top choice for young adults in Arizona because of its cheap rates and many coverage options. It's the third cheapest in the state and has high ratings across all categories.
It also offers discount opportunities that may be useful for people in their twenties.
For instance, eligible members can receive a good student discount of up to 20% if they maintain a cumulative "B" or higher GPA. Also, students studying more than 100 miles away from home without a car can get more discounts.
You can get roadside assistance coverage from Auto-Owners Insurance. It helps cover expenses if you lock yourself out of your car, run out of gas or have a flat tire or minor breakdown.
What Makes an Insurer the Best for Young Adults?
Young adults are often subject to high car insurance premiums by insurance companies. Finding a provider with great rates, discounts and customer service is important.
We found Auto-Owners Insurance is the best auto insurer for young people in Arizona. It’s one of the most affordable in the state at approximately $1,052 per year. You can also choose from its various add-on coverages to enhance your protection.
Best Car Insurance in Arizona for Seniors
We found Auto-Owners Insurance is the best car insurance provider for Arizona seniors.
These are the best insurers for Arizona drivers in their 60s based on cost and service:
- Auto-Owners Insurance: MoneyGeek score of 92 out of 100 ($736 per year)
- Travelers: MoneyGeek score of 91 out of 100 ($689 per year)
Auto-Owners Insurance stood out due to its rates and number of optional coverages.
Generally, rates for drivers in their 60s are like those in their 30s to 50s. But, premiums tend to become more expensive for motorists past the age of 70.
Shop around to compare offers to find cheap car insurance for seniors in Arizona.
pros
Offers the third most affordable premiums at $736 per year
Has various optional riders
cons
Mediocre claims management
No discounts for seniors
COMPANY HIGHLIGHTS
Auto-Owners Insurance is the best car insurance company for seniors in Arizona. It offers one of the lowest rates among the 15 providers in the state and allows you to get useful add-on coverages.
This company offers rental car and travel reimbursement coverage. It can help pay for expenses such as rental car, food and lodging if you can’t use your vehicle due to a covered accident.
Have you ever been stranded due to a flat tire, empty tank, dead battery or another reason? Roadside assistance can help. This optional coverage can lessen your stress during emergencies.
Auto-Owners Insurance also offers diminished value coverage. This makes up for a decrease in a car's value after a covered accident by covering the reduction.
What Makes an Insurer the Best for Seniors?
Insurers generally view seniors as safe drivers and charge them lower insurance rates. However, they're more susceptible to severe injury in case of an accident.
We recommend seniors get comprehensive coverage and personal injury protection. They can also take advantage of senior-specific discounts to lower their rates.
Auto-Owners Insurance is the best option for Arizona seniors due to its rates and coverage.
Best Car Insurance in Arizona for Drivers With Offenses
Auto-Owners Insurance is the best car insurer for Arizonans with driving offenses. These include things like speeding tickets, accidents and DUIs.
After studying affordability and customer service, these two emerged as the highest-rated:
- Auto-Owners Insurance: MoneyGeek score of 91 out of 100 ($1,119 per year)
- Travelers: MoneyGeek score of 90 out of 100 ($1,004 per year)
We picked Auto-Owners Insurance as the best due to its affordable rates and add-on coverages offered.
Driving violations can increase your car insurance rates in Arizona. On average, your premiums can increase by:
- $242 for a speeding ticket
- $466 for an at-fault accident
- $521 for a DUI
But, you may still find cheap car insurance after an accident in Arizona by shopping around.
pros
Among the lowest rate in Arizona at approximately $1,119 per year
Optional coverages include rental car reimbursement, roadside assistance coverage and accident forgiveness
Highly-rated customer service
cons
Average claims management
Lacks new/better car replacement coverage
COMPANY HIGHLIGHTS
Auto-Owners Insurance is our pick as the best car insurance provider for drivers in Arizona with traffic violations. This company offers comparatively low rates and several useful add-on riders.
This company's roadside assistance may be useful if you have terrible driving luck. This coverage can help you if you're stuck at the side of the road with a flat, empty tank or similar issue.
The company also offers rental and travel reimbursement coverage. If your vehicle is in bad shape after a covered incident, it pays for a rental car, food and transportation.
Additionally, Auto-Owners Insurance offers accident forgiveness coverage. This may protect you from premium hikes after your first accident. To be eligible, you must have a clean driving record for at least 36 months.
What Makes an Insurer the Best for Drivers With Offenses?
If you have a history of traffic violations, insurers may think you're a risk and give you higher rates. We recommend looking for a provider with low prices and discounts for such drivers.
Good customer service can ensure hassle-free claims processing after an accident. So, you should check on those reviews as well.
Auto-Owners Insurance ranked as the top insurer for Arizona drivers with violations. It offers fairly affordable rates and robust add-on coverages.
Best Car Insurance in Arizona for Drivers With New Cars
We found Travelers is Arizona's top insurance company for drivers with new vehicles.
We used a 2022 model car to examine options, focusing on new or better car replacement coverage. These are the top recommendations:
- Travelers: MoneyGeek score of 91 out of 100 ($846 per year)
- Farmers: MoneyGeek score of 78 out of 100 ($1,281 per year)
Travelers distinguishes itself with its wide range of optional coverages and affordable rates.
Additionally, Travelers offers Premier New Car Replacement® coverage. This add-on pays the replacement cost for a brand new car if you total your vehicle within its first five years. You get the same make and model, allowing you to continue driving a newer car even after an accident.
pros
Has the cheapest premiums at roughly $846 per year
Offers new car replacement coverage
With several add-on coverage options
cons
Below-average claims management
Lacks OEM coverage
COMPANY HIGHLIGHTS
MoneyGeek selects Travelers as the top auto insurance company for new car owners. This provider offers the cheapest premiums in the state. Moreover, it has various optional coverages giving your investment more extensive protections.
What makes Travelers stand out in this category is its Premier New Car Replacement®. This add-on pays for a new vehicle of the same make and model if yours is totaled within the first five years. With this, you can still drive a new car and enjoy all its benefits even after an accident.
Travelers also has gap insurance. In the event of a total loss, this may pay the difference between the vehicle's value and loan or lease balance.
What Makes an Insurer the Best for Drivers With New Cars?
You should have comprehensive car insurance for a new car to get maximum protection. In fact, if you have a car loan, the lender may require it.
We recommend choosing a provider with new or better car replacement coverage. This give you the advantages of a newer car even after a collision.
Travelers is our choice for Arizona drivers with new cars due to its cost and coverage options.
Best Car Insurance in Arizona for Military Drivers
USAA is the top car insurance company for Arizona drivers with military backgrounds. It has a MoneyGeek score of 92 out of 100 and an average annual cost of $719, the second lowest in the state.
This company offers exceptional customer service for veterans, active military and their families.
pros
Has the second lowest rates for military drivers at $719 per year
Accident forgiveness coverage is an add-on
Top-notch customer service
cons
Limited coverage options and below-average claims management
Lacks gap insurance
COMPANY HIGHLIGHTS
MoneyGeek's analysis found USAA is the top car insurance company for military-affiliated drivers. Its employees trained to handle your needs as military members and families. Plus, it's affordable.
USAA offers standard options like roadside assistance and rental car coverage. It also has accident forgiveness to keep costs down if you're in your first accident in at least five years.
It also offers several cost-saving opportunities for its policyholders. For example, storing your vehicle can result in discounts of up to 60%.
Parking on a military base and reducing your mileage could lead to lower rates. You can also bundle your car insurance with your home or renters insurance policy to get savings.
How to Find the Best Car Insurance in Arizona for You
The top car insurance company in Arizona has affordable rates, great customer service and stable finances. MoneyGeek collected many quotes to help you find the best one for your needs and preferences.
We’ve also created a guide to walk you through some basic research steps.
1
Research customer service reputations in Arizona
MoneyGeck gathered customer service ratings for top car insurance providers in Arizona from J.D. Power's customer satisfaction study and NAIC's customer complaint index. These organizations can help you assess an insurance company's service history.
The Arizona Department of Insurance and Financial Institutions site has provider details, too.
2
Compare quotes
To get an estimate of car insurance costs in Arizona, gather quotes from at least three providers.
The rates from MoneyGeek use hypothetical drivers and may not reflect your circumstances. Your actual premium is based on age, driving history, car model and more.
3
Find the coverages you want in Texas
You can research insurance companies' coverage options and savings opportunities online. Still, it's best to verify offers by contacting the insurance company.
Certain offers may not be available in some states, even if mentioned on the company's website.
Examining the details can help you evaluate a company's value.
4
Check financial stability ratings
You should evaluate insurance companies' financial stability ratings. These numbers can give you an idea of how likely they are to make good on promises and claims.
Most providers in Arizona are established, diversified and are unlikely to go bankrupt. Regardless, you should verify the financial strength rating of your preferred insurer.
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FAQs About the Best Car Insurance in Arizona
The best car insurance for you depends on your needs and profile. Here, we answer common questions about car insurance in Arizona to help you find a provider.
About Mark Fitzpatrick
