Travelers is Arizona's best car insurance company, earning a MoneyGeek score of 4.79 out of 5 for its exceptional balance of affordable rates, quality service and solid coverage options. Since insurance needs vary by driver, we also recommend considering Auto-Owners, Progressive, State Farm and GEICO.
Best Car Insurance in Arizona
Updated: August 26, 2025
Advertising & Editorial Disclosure
Key Takeaways
The best overall car insurance provider in Arizona is Travelers, leading the pack with the highest affordability score and lowest average annual premiums of $744.
Auto-Owners is the top choice for drivers with speeding tickets, while it also ranks best for low-income drivers seeking affordable coverage in the Grand Canyon State.
To secure the best rates in Arizona, determine your coverage needs first, research provider options thoroughly and compare plenty of quotes before making your choice.
Best Car Insurance Companies in Arizona
| Travelers | 4.79 | $62 | 2 | 4 |
| Auto-Owners | 4.64 | $83 | 1 | 5 |
| Progressive | 4.37 | $102 | 3 | 2 |
| State Farm | 4.33 | $82 | 4 | 6 |
| GEICO | 4.29 | $81 | 6 | 6 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Arizona by Driver Profile
Travelers leads in seven out of ten driver categories, including young, adult and senior drivers. Auto-Owners tops the remaining three categories: speeding tickets, low-income drivers and old cars.
| Young Drivers | Travelers | 1 | 2 | 4 |
| Adult Drivers | Travelers | 1 | 2 | 4 |
| Senior Drivers | Travelers | 1 | 2 | 4 |
| Drivers With an Accident | Travelers | 1 | 2 | 4 |
| Drivers With a DUI | Travelers | 2 | 2 | 4 |
| Drivers With a Speeding Ticket | Auto-Owners | 2 | 1 | 5 |
| Drivers With Bad Credit | Travelers | 3 | 2 | 4 |
| Drivers With Low Income | Auto-Owners | 2 | 1 | 5 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Arizona Car Insurance Recommendations
Our general recommendations might not match your specific needs. Compare rates from our top five insurance providers to find coverage that fits your profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Auto-Owners | 4.63 | $260 | 1 | 5 |
| Travelers | 4.61 | $247 | 2 | 4 |
| Progressive | 4.50 | $275 | 3 | 2 |
| Nationwide | 4.30 | $278 | 7 | 4 |
| Safeway Insurance | 4.25 | $172 | 10 | 7 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Arizona Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Travelers
Best Cheap Overall in Arizona
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.7/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$83For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$41For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
Auto-Owners
Best Customer Experience in Arizona
MoneyGeek Rating
4.6/ of 5
4.7/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$111For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$54For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
How to Find the Best Car Insurance in Arizona
Finding the best car insurance in Arizona can be difficult, so we've created this guide to help you choose the right coverage.
- 1
Decide on Coverage Needs Before You Buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when deciding on auto insurance levels while meeting Arizona required minimums.
- 2
Research Average Costs and Discounts
Start by researching average car insurance costs in Arizona to understand typical rates for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also lead to substantial savings.
- 3
Evaluate Provider Reputation and Coverage Options
Look at customer reviews and available add-ons and optional coverages to make sure the provider meets your specific needs.
- 4
Explore Alternative Coverage Types
Consider specialized options like non-owner car insurance or pay-per-mile policies if they better suit your situation. If required, look into SR-22 in Arizona options for high-risk coverage.
- 5
Compare Multiple Quotes
Shop around to find the cheapest option possible that meets your needs. Get quotes through various channels including independent agents, direct from insurers and online comparison tools to find the best rates.
- 6
Review Coverage Annually
Review your coverage and shop for new quotes each year to find the best possible rate.
Best Arizona Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Travelers is the top-rated company overall, while Auto-Owners and Progressive are also good options for drivers in Arizona.
Best Auto Insurance in Arizona: FAQ
Car insurance needs vary based on your situation, so we've answered common questions to help you find the right coverage for your needs.
What is the best car insurance company in Arizona?
Travelers stands as Arizona's leading auto insurance provider, with a MoneyGeek score of 4.79 out of 5 and average monthly full coverage premiums of $83.
What is the best car insurance company for minimum coverage in Arizona?
Travelers tops the list for minimum coverage in Arizona with an average rate of $495 per year.
What is the best car insurance in Arizona for young drivers?
Travelers offers the best insurance for young adults in Arizona, combining competitive rates starting at $97 per month with strong customer service ratings.
What is the best car insurance for Arizona drivers who value customer service?
Auto-Owners ranks highest for customer experience in Arizona with a 5 out of 5. The company excels in their purchase experience, agent support, digital tools and claims handling processes.
What is the best car insurance in Arizona if you have driving offenses?
Auto-Owners is best for Arizona drivers with a speeding ticket driving violation on their record, offering monthly rates of $54 for minimum coverage and $111 for full coverage.
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% of score): We look at quotes for different driver profiles and compare rates within Arizona. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): 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% of score): 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. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.