Best Car Insurance in Arizona (2026 Picks)

Top Rated Car Insurance Companies in Arizona

The top-rated car insurance companies in Arizona are:

Best and Cheapest Overall for Adult and Young Drivers: Travelers
Best for Drivers with a DUI: State Farm
Best for Drivers with Low Income or Bad Credit: Safeway

Why You Can Trust MoneyGeek

MoneyGeek's proprietary methodology identified Arizona's best car insurance by researching over 70 companies and analyzing actual quotes, verified customer reviews from trusted sources like J.D. Power, and coverage details. Our ratings prioritize what matters most: affordability (60%), customer experience (30%), and coverage options (10%).

Best Car Insurance Companies in Arizona

Travelers is the best car insurance company in Arizona, with a 4.8 out of 5 MoneyGeek score. It excels in affordability and customer service.

Travelers offers Arizona's most affordable rates. Drivers with clean records pay $86 monthly for full coverage, which runs 21% below state averages.

State Farm earns top marks for drivers with DUI violations, combining competitive rates with extensive agent support. Progressive leads in coverage options with a 4.8 score, providing the state's most extensive policy customization.

Our recommendations provide a starting point, but your age, driving record and coverage needs determine which provider offers the best value. Compare these top companies to find the insurer that best fits your profile.

Data filtered by:


Travelers	4.80	$86	5.00	4.70	3.90
Auto Owners	4.70	$110	4.70	5.00	3.40
Progressive	4.50	$124	4.60	4.20	4.80
State Farm	4.40	$110	4.70	4.10	3.00
Geico	4.30	$114	4.70	3.90	3.00

*The rates above are based on a male driver insuring a 2012 Toyota Camry with good credit.

How much does car insurance in Arizona cost?

How much car insurance do I need in Arizona?

Best Overall Insurer in Arizona: Travelers

Travelers

Best and Cheapest Overall for Adult and Young Drivers

MoneyGeek Rating

4.8/ 5

5/5Affordability

4.7/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$83
Average Monthly Minimum Coverage Cost
$41
Agent Service Score
4.2/5
Most Unique Coverage Add-On
IntelliDrive Plus Program

pros
- Ranks first overall among Arizona car insurance providers
- Ranks first for affordability with competitive premium rates
- Ranks second in customer experience and service quality
- A++ financial strength rating from AM Best ensures stability
cons
- Limited local agent network compared to larger competitors
- Fewer coverage customization options than some providers
- Digital-first approach may not suit all customer preferences
Travelers earns MoneyGeek's highest score (4.8 out of 5) among Arizona insurers. The company ranks first in affordability while maintaining strong customer service ratings across all driver categories.

Travelers offers competitive rates for both clean-record drivers and those with violations. Arizona drivers get comprehensive coverage at rates 21% below the state average, saving about $273 annually.
Travelers' monthly premiums range from $41 for minimum coverage to rates varying by driver profile for full coverage. Most drivers with clean records pay $75 to $100 monthly for full coverage. Young drivers pay $147 to $400 monthly.

These rates run 21% below Arizona averages, saving drivers about $273 annually.

Travelers offers additional savings through its IntelliDrive program (up to 30% off based on driving habits) and bundling discounts (5% to 25% off when combining home and auto policies). Multi-car discounts, good student discounts and defensive driving courses provide further savings.
Travelers scores 4.7 out of 5 for customer satisfaction. The company processes standard claims within seven to 10 business days. Customer service runs 24/7 at 800-842-8371 with average wait times under three minutes.

The mobile app handles claims filing, policy management and ID card access. You can file claims, upload photos and track repair progress through the app. Travelers maintains local agents throughout Arizona who understand regional challenges like monsoon damage and vehicle theft in Phoenix and Tucson.
Travelers scores 3.9 out of 5 for coverage options. Comprehensive, collision, liability, uninsured/underinsured motorist and medical payments coverage form the foundation. Policy limits run from Arizona's minimums (25/50/15) to 250/500/100. Deductibles flex from $250 to $2,000.

Coverage options include:
- IntelliDrive Plus: App tracks driving, discounts based on safe habits
- Accident forgiveness: First at-fault crash won't spike rates after qualifying period
- New car replacement: Full cost for vehicles under one year old totaled in crashes
- Rental reimbursement: Daily coverage when your car's in the shop
- Roadside assistance: 24/7 towing, battery, fuel and lockout help

Best for Drivers with a DUI in Arizona: State Farm

State Farm

Best for Drivers with a DUI

MoneyGeek Rating

4.4/ 5

4.7/5Affordability

4.1/5Customer Experience

3/5Coverage Points

Average Monthly Full Coverage Cost
$112
Average Monthly Minimum Coverage Cost
$52
Agent Service Score
4.6/5
Most Unique Coverage Add-On
Roadside Assistance

pros
- Ranks third in affordability among Arizona insurers
- Extensive local agent network throughout Arizona
- Award-winning mobile app for claims and policy management
- Best for drivers with DUI seeking coverage options
cons
- Limited coverage options compared to other major insurers
- Ranks last among competitors for coverage breadth
State Farm earns a 4.4 out of 5 MoneyGeek score and ranks as the best option for drivers with DUI violations. The company combines competitive affordability with reliable service and an extensive agent network throughout Arizona.

State Farm's established presence in Arizona helps drivers rebuilding their insurance history after violations. Coverage options stay simpler than Progressive's or Travelers' offerings, but over 400 Arizona offices provide local agent access for drivers who want in-person service.
State Farm offers competitive rates for drivers with DUI violations, averaging $91 monthly. Clean-record adults pay $110 monthly for full coverage. State minimum coverage costs $52 monthly.

DUI-impacted rates remain more affordable than most competitors, making State Farm attractive for higher-risk drivers who typically face steep increases.

Drive Safe & Save cuts premiums through driving habit monitoring. Multi-policy bundles save around 15%. Good student discounts and safe driving programs provide additional savings.
Customer experience scores 4.1 out of 5, supported by State Farm's network of over 400 local agents throughout Arizona. The company provides face-to-face service for drivers who prefer in-person interactions over digital options. Claims processing runs seven to 10 business days on average.

The mobile app includes basic features: ID cards, bill payments and claim tracking. Round-the-clock claims reporting works through the app, phone (800-STATE-FARM) or your local agent's office. Local agents handle complex claims and policy questions directly.
Coverage options score 3.0 out of 5, showing State Farm's focus on core financial protections over extensive add-ons. Coverage includes collision, liability, uninsured/underinsured motorist and medical payments. Policy limits run from Arizona's minimums (25/50/15) to 250/500/100.

Add-on options:
- Drive Safe & Save: Tracks mileage and driving through a mobile app or beacon, with discounts of up to 30%
- Rental car reimbursement: $25 to $100 daily
- Roadside assistance: Standard towing and emergency services during extreme summer heat when vehicle breakdowns increase

Best Insurer for Low Income: Safeway

Safeway Insurance

Best for Drivers with Low Income or Bad Credit

MoneyGeek Rating

4.8/ 5

5/5Affordability

4.7/5Customer Experience

3.9/5Coverage Points

Average Monthly Full Coverage Cost
$126
Average Monthly Minimum Coverage Cost
$56
Agent Service Score
3.4/5
Most Unique Coverage Add-On
Equipment Protection

pros
- Best for drivers with low income or bad credit
- Offers flexible payment plans and SR-22 filing assistance
- Accepts high-risk drivers often rejected by major carriers
- Provides immediate coverage with minimal documentation requirements
cons
- Limited coverage options compared to full-service Arizona insurers
- Smaller customer service network may delay claim processing
- Fewer digital tools and mobile app features available
Safeway specializes in serving drivers with credit challenges or limited income who may struggle to qualify for standard insurance through traditional carriers.

Safeway focuses on flexible payment plans and simplified underwriting. The approach makes it easier for budget-conscious drivers to obtain and maintain coverage in Arizona's competitive insurance market.
Safeway offers competitive rates for drivers facing higher premiums due to credit challenges. Adult drivers pay $126 monthly for full coverage. State minimum coverage costs $56 monthly.

Flexible payment options include monthly plans without large down payments, helping drivers manage cash flow. Safe driving courses, multi-policy bundling and paperless billing discounts reduce costs by 5% to 15%.
Safeway offers phone-based customer service with extended hours and simplified claims processes that don't require extensive documentation.

With local Arizona operations, Safeway handles desert-specific risks like dust storm damage and extreme heat-related vehicle issues common in Phoenix and Tucson. Claims processing focuses on quick resolution for basic coverage claims. Digital tools are more limited compared to larger carriers.
Core options include comprehensive, collision, liability, uninsured/underinsured motorist and medical payments. Policy limits range from state minimums (25/50/15) to higher levels based on individual needs. Flexible deductible options allow drivers to balance premium costs with out-of-pocket expenses.

Safeway's features:
- Equipment protection: Coverage for custom parts and aftermarket modifications
- Payment flexibility: Monthly plans without large down payments
- Coverage restoration programs: For drivers rebuilding insurance history
- Comprehensive coverage: Addresses theft in urban areas and damage from dust storms

How to Find the Best Car Insurance in Arizona

Securing quality car insurance in Arizona involves more than grabbing the first quote that pops up online. Smart shoppers know the best coverage strikes a balance between affordable rates, comprehensive protection and reliable customer service. This combination looks different for every driver based on their unique needs and circumstances.

1
Know Arizona's Insurance Requirements
Before comparing car insurance quotes in Arizona, know what the state requires: $25,000 bodily injury coverage per person, $50,000 per accident, $15,000 property damage coverage and $15,000/$30,000 uninsured motorist coverage.

Most drivers need more than these minimums. If you own substantial assets or finance your vehicle, your lender will require comprehensive and collision coverage.

Think about what you're protecting. A 12-year-old truck worth $8,000 probably doesn't need collision coverage. Skipping comprehensive on a $30,000 SUV could cost you thousands in one incident from theft or weather damage.
2
Research Average Costs
Full coverage car insurance in Arizona costs $1,000 to $1,500 per year. Your actual rate depends on your age, driving history, credit score, location and vehicle.

Use this range as a baseline. Quotes over $2,200 annually for basic coverage with a clean record indicate you're probably overpaying.

Your ZIP code affects your rate; urban areas cost more. So do your vehicle's safety ratings, annual mileage and even your education level with some insurers.
3
Find Applicable Discounts
Arizona drivers can tap into several car insurance discounts. Bundling multiple policies often saves 5% to 25%. Good student discounts reward young drivers who maintain B averages.

Defensive driving courses approved by Arizona DMV can lower your premium up to 10%. Usage-based insurance programs track your actual driving habits. Progressive's Snapshot and State Farm's Drive Safe & Save can save safe drivers 5% to 30%. Ask about vehicle safety discounts if your car has anti-theft systems, airbags or electronic stability control.
4
Compare Companies, Not Just Prices
Affordable car insurance means more than finding the lowest premium. A $55 monthly policy with minimal coverage and poor claims handling isn't cheaper than a $70 policy from an insurer known for fast, fair settlements.

Read customer reviews about claims experiences. Check financial stability ratings from AM Best. Look at coverage options. Progressive leads Arizona insurers with extensive add-ons. Travelers maintains strong customer service through local agents.
5
Gather Multiple Quotes
Get car insurance quotes from at least three to five companies. Use direct insurer websites, independent agents and online comparison tools.

Independent agents often access regional insurers not available through comparison sites. Safeway, for example, primarily sells through local agents and independent brokers.

Provide the same information to every insurer. Otherwise, you're comparing different products instead of finding the best price for identical coverage.
6
Review Coverage Annually
Car insurance prices change constantly. Companies update rates and underwriting standards throughout the year. Set a calendar reminder to review your coverage and get new quotes annually. Last year's best deal might not be competitive today.

Life changes impact your rates, too. Buying a home, paying off your car loan, adding a young driver or moving all affect what you pay. Many drivers overpay by keeping coverage they no longer need or by failing to switch car insurance companies.

Best Car Insurance Coverage in Arizona

State minimums often don't provide enough financial protection for real accident costs. Arizona ranks below average nationally for traffic safety, which means crashes happen more often than you'd hope.

An emergency room visit costs about $1,389 on average nationwide. A serious trauma case at a Phoenix, Tucson or Scottsdale hospital costs $35,000 to $40,000. Vehicle repairs after moderate collisions usually run over $10,000.

Minimum coverage won't cover you if you cause an accident that injures multiple people on I-10 or I-17. Lawsuits will drain your savings and garnish your wages.

Arizona's 15.6 traffic deaths per 100,000 residents exceeds the national average, while the state's 12% uninsured driver rate means roughly 670,000 drivers operate without required coverage. These factors make robust liability coverage and uninsured motorist protection valuable for Arizona drivers.

MoneyGeek recommends these coverage levels for Arizona drivers:

Liability: 100/300/100 ($100,000 per person, $300,000 per accident, $100,000 property damage) costs just $15 to $25 more monthly than state minimums and covers most Arizona drivers adequately.

Drivers with substantial assets (homeowners, business owners or high earners) should choose 250/500/100 limits. This costs $25 to $40 more monthly than minimums but covers your assets if you cause a serious accident. Arizona's above-average traffic fatality rate makes higher liability limits worth the cost.

Comprehensive and Collision: Add full coverage if your vehicle is worth more than $4,000 or carries a loan. Choose $500 or $1,000 deductibles based on your emergency savings—a $500 deductible costs $20 to $30 more monthly than $1,000 but lowers your out-of-pocket costs after incidents.

Comprehensive coverage matters in Arizona, where monsoon weather damages thousands of vehicles annually, and vehicle theft rates in Phoenix and Tucson exceed national averages. Collision coverage protects you in heavy traffic zones throughout metropolitan areas and during tourist seasons when accident rates spike in Scottsdale and Grand Canyon regions.

Uninsured/Underinsured Motorist: Arizona requires this coverage at 15/30/15 minimum levels, but you should match these limits to your liability coverage. With roughly 670,000 uninsured drivers on Arizona roads (12% of all motorists), higher protection becomes essential when at-fault drivers can't pay for your damages. Underinsured coverage fills gaps when responsible parties carry only minimum limits insufficient for your medical bills and vehicle repairs.

Medical Payments: $5,000 to $10,000 covers immediate medical expenses after accidents regardless of fault. In Arizona's at-fault system, this coverage pays quickly without waiting for liability determinations. You avoid out-of-pocket costs while claims work through the state's legal process.

Medical payments coverage costs $20 to $50 monthly for $5,000 in coverage, which is worth it given Arizona's traffic risks.

Additional Coverage to Consider: Rental reimbursement ($30 to $50 daily) covers transportation costs while your car is in the shop. Roadside assistance provides towing, battery service and lockout help for $15 to $25 annually.

Gap insurance matters if you owe more on your vehicle loan than the car's current value. It protects you from paying thousands out of pocket if your financed vehicle gets totaled.

Finding the Best Car Insurance Rates in Arizona

Arizona's competitive insurance market and consumer protections keep car insurance rates affordable for most drivers. State minimum coverage costs just $55 monthly, ranking Arizona first nationally for affordable basic coverage.

Full coverage runs $54 more monthly than the state minimum. Average premiums hit $109 monthly for full coverage with a $1,000 deductible, 8% below the national average.

Compare your quotes with these averages using the table or our Arizona car insurance calculator.

Data filtered by:


Not At Fault Accident ($1000-$1999 Prop Dmg)	$55	$111	2
Clean	$55	$109	1
Speeding 11-15 MPH over limit	$59	$133	4
Texting While Driving	$60	$136	3
At Fault Accident ($1000-$1999 Prop Dmg)	$76	$153	7
DUI - BAC >= .08	$83	$160	10

HOW VIOLATIONS AFFECT YOUR RATES IN ARIZONA

At-fault accidents devastate Arizona car insurance rates most severely, driving premiums up 47% while triggering mandatory SR-22 certificate requirements for three years. Texting while driving violations increase rates by 26%, while other moving violations typically raise premiums 28%, adding approximately $41 monthly to full coverage policies.

Best Arizona Auto Insurance: Bottom Line

Travelers ranks first for most Arizona drivers with a 4.8 overall score, balancing competitive rates ($86 monthly full coverage), customer service and coverage options. Your priorities determine the best choice: State Farm excels for drivers with DUI violations through extensive agent support, and Safeway focuses on accessible coverage for drivers with credit challenges.

Compare quotes from at least three insurers. Your age, driving record and coverage needs determine which company offers the best value, as rates vary widely by driver profile.

Best Auto Insurance in Arizona: FAQ

Finding suitable car insurance depends on your unique circumstances. Common insurance questions reveal key factors that determine proper coverage.

What do I need to get car insurance in Arizona as a new resident?

New Arizona residents need a valid driver's license, vehicle registration and VIN for each vehicle. Most insurers require your Social Security number to check your credit score, which affects your rate.

You must get coverage within 30 days of establishing residency. You'll also need to provide your five-year driving history, including any accidents and violations.

Transferring from another state? Update your existing policy to meet Arizona's minimum requirements, which include mandatory uninsured motorist coverage.

Can I drive in Arizona with out-of-state insurance?

You can drive temporarily with valid out-of-state insurance. If you establish residency (get a job, register to vote or stay more than six months), you must get Arizona insurance within 30 days.

Your out-of-state policy must meet Arizona's minimum requirements, including uninsured motorist coverage. Military members stationed in Arizona can keep their home-state insurance but should verify that their policy meets state standards.

What happens if I get caught driving without insurance in Arizona?

Driving without insurance results in immediate license and registration suspension for three months. First-time offenders face a minimum $500 fine. Second violations within three years increase to $750 fines and six-month suspensions. Third violations bring $1,000 fines and one-year suspensions. You'll need SR-22 certification for three years, substantially increasing insurance costs. If you cause an accident while uninsured, you're personally liable for all damages and medical expenses with no insurance protection.

How do I switch car insurance companies in Arizona?

Purchase your new policy before canceling coverage to avoid gaps that trigger license suspension. Start your new policy the same day or the day after your old policy ends. Request cancellation in writing from your current insurer with your policy number and cancellation date. Most Arizona insurers don't charge cancellation fees for policies over six months old. You'll receive prorated refunds for any unused coverage paid in advance.

Does Arizona offer car insurance discounts for military members?

Most Arizona insurers offer military discounts ranging from 4% to 15% for active-duty members, veterans and military spouses. USAA, GEICO, Armed Forces Insurance and Navy Federal specialize in military coverage. Ask about storage discounts during deployment, emergency payment extensions, military defensive driving course discounts and waived deductibles for vehicles damaged during deployment.

How We Rated the Best Car Insurance in Arizona

We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Arizona. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.

Here's how we score each company:

Affordability (60%): We looked at quotes for different driver profiles and compared rates within Arizona. Our main rating is based on a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also checked other combinations to ensure you find the right fit.
Customer experience (30%): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Arizona-specific feedback to get an accurate score.
Coverage options (10%): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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