Travelers leads our Arizona rankings on overall score and affordability, while Auto-Owners earns the strongest customer experience rating and Progressive offers the widest range of add-on coverages. No single carrier wins across all three rating categories, which is why the best car insurance company depends on what you're prioritizing. The table below shows how each carrier ranks on affordability, customer experience and coverage so you can see where the tradeoffs land.
Best Car Insurance in Arizona: Top Companies in 2026
Updated: June 1, 2026
Advertising & Editorial Disclosure
Best Car Insurance Companies in Arizona
Travelers | 4.79/5 | #1 | #2 | #4 |
Auto-Owners | 4.67/5 | #3 | #1 | #5 |
Progressive | 4.48/5 | #5 | #3 | #2 |
State Farm | 4.36/5 | #2 | #4 | #6 |
GEICO | 4.27/5 | #4 | #6 | #6 |
Why You Can Trust MoneyGeek's Arizona Ratings
MoneyGeek evaluated 10 insurance companies in Arizona, including national carriers and Arizona regional insurers. Rankings combine rate analysis, customer feedback and coverage assessments across three weighted factors. MoneyGeek does not receive compensation tied to which companies rank highest. Rate data comes from Quadrant Information Services, which sources actual insurance filings across every ZIP code.
Affordability (60% of total score):
Rate quotes were gathered for multiple driver profiles using a baseline 40-year-old male with good credit, clean record and no prior claims. Quotes covered full coverage with 100/300/100 BI, $100,000 PD and UM/UIM matching state minimums or higher. Rates reflect Arizona's most recently filed and approved insurer filings. Discounts applied where applicable include multi-policy, autopay, paperless and good-driver. Quotes based on published carrier filings, not individual quote forms.
Customer experience (30% of total score):
Customer satisfaction data was compiled from J.D. Power studies (including the 2025 U.S. Auto Insurance Study and the 2025 U.S. Auto Claims Satisfaction Study), AM Best financial strength ratings and multi-platform review aggregation. NAIC complaint indexes also feed the composite score. J.D. Power scores shown in each carrier section are one input to the composite, not the full ranking.
Coverage options (10% of total score):
Coverage scoring measures each provider's range of coverage types and Arizona-specific add-on availability. Standard coverages (bodily injury liability, property damage liability, uninsured motorist insurance, medical payments coverage, comprehensive coverage, collision coverage) are included in the baseline score. Add-on coverages weighted in the score include accident forgiveness, new car replacement, rideshare endorsements, gap insurance, custom parts coverage, mechanical breakdown insurance and pay-per-mile or telematics-based programs. Coverages restricted or unavailable under state law are excluded from the score for all carriers.
*Rates and rankings on this page reflect a 40-year-old male driver with good credit and a clean record. Full coverage rates use 100/300/100,000 liability limits with a $1,000 comprehensive and collision deductible. Minimum coverage rates use Arizona's mandatory 25/50/15 liability limits, without comprehensive or collision.
**USAA is excluded from all rankings because it is available only to military members and their families, which limits its accessibility for most readers.
Similar scores can reflect very different strengths in Arizona:
- Travelers (4.79/5) and Auto-Owners (4.67/5) sit close in overall score, but Travelers leads on affordability (5.00/5 vs. 4.72/5) while Auto-Owners leads on customer experience (5.00/5 vs. 4.65/5). The gap between them is primarily a price-versus-service tradeoff.
- Progressive (4.48/5) and State Farm (4.36/5) are separated by 0.12 points, but Progressive leads on coverage options (4.82/5 vs. 2.95/5) while State Farm leads on affordability (4.73/5 vs. 4.56/5). Drivers who need add-on variety favor Progressive; price-focused drivers favor State Farm.
- State Farm (4.36/5) and GEICO (4.27/5) score closely overall, but State Farm's affordability rank (#2) and DUI rate ($116/month) give it an edge for drivers with violations, while GEICO's minimum coverage rate of $52/month is the lower of the two for liability-only buyers.
Best Arizona Car Insurance Company Reviews
Travelers
Best Overall in Arizona
At $86/month for full coverage, Travelers is the most affordable top-rated carrier in Arizona, 39% below the state average of $140/month and the lowest full coverage rate among the top five. Minimum coverage runs $45/month, also the lowest in the group. That pricing consistency across driver categories, combined with a 4.65/5 customer experience score that ranks second among the top five, is what puts Travelers at the top of our Arizona rankings with a 4.79/5 MoneyGeek score.
Cost
Travelers' affordability advantage holds across many types of driver profiles. For young drivers with a clean record, full coverage averages $197/month, the lowest young-driver rate among the top five and $58/month less than State Farm's $255/month. After a DUI, Travelers charges $129/month, second lowest behind State Farm's $116/month. Its perfect 5.00/5 affordability score ranks first among all Arizona carriers we evaluated.
Customer Experience
Travelers earns a 4.65/5 customer experience score, second among Arizona's top five. It holds an A++ (Superior) AM Best rating for financial strength, the highest rating possible, and its NAIC complaint index runs below the national average, meaning it receives fewer complaints than other insurers of its size. The one area where Travelers trails is J.D. Power: its 626 score in the 2025 U.S. Auto Insurance Study falls below the 636 regional average and ranks eighth of 14 companies in the study. The company's 4.65/5 score reflects the strength of its financial stability and complaint data alongside its J.D. Power result.
Coverage Options
Travelers earns a 3.93/5 coverage score, ranking fourth among the top five in Arizona. Available add-ons include roadside assistance, rental reimbursement, accident forgiveness and rideshare coverage. Travelers doesn't offer gap insurance or custom parts coverage in Arizona, which accounts for most of the gap between its 3.93/5 score and Progressive's 4.82/5. Drivers who need either of those coverages will find Progressive the stronger fit.
Auto-Owners
Best Customer Experience in Arizona
Auto-Owners earns the highest customer experience score among all Arizona carriers we evaluated at 5.00/5, and that service edge is the defining reason it ranks second overall at 4.67/5. Full coverage costs $110/month, 21% below the Arizona state average, placing it third on affordability among the top five. Its coverage score of 3.39/5 is the lowest in the group, so it's the strongest fit for drivers who prioritize service quality and competitive rates over add-on flexibility.
Cost
Auto-Owners' best pricing is for adult drivers with clean records, where full coverage at $110/month is 21% below the Arizona state average and minimum coverage at $54/month is 22% below. For young drivers, the rate of $257/month is competitive but not the lowest — Travelers comes in at $197/month and State Farm at $255/month for the same profile. After a DUI, Auto-Owners charges $198/month, the second highest among the top five. Drivers with violations or young drivers prioritizing rate will find better options at Travelers or State Farm.
Customer Experience
Auto-Owners earns a perfect 5.00/5 customer experience score, the highest of any carrier we evaluated in Arizona and 0.35 points ahead of second-ranked Travelers. Its NAIC complaint index of 0.47 is well below the national median and among the lowest of any ranked Arizona carrier, meaning it draws far fewer complaints relative to its size than most competitors. In J.D. Power's 2025 U.S. Auto Insurance Study, Auto-Owners scores 634, just below the 636 regional average, ranking fifth of 14 providers. It holds an A+ AM Best rating for financial strength.
Coverage Options
Auto-Owners earns a 3.39/5 coverage score, the lowest among the top five. Available add-ons include roadside assistance and rental reimbursement, but Auto-Owners doesn't offer gap insurance or rideshare endorsements in Arizona. Drivers who need either of those coverages should consider Progressive instead.
Progressive
Best Coverage Options in Arizona
Progressive leads the top five for available add-on coverages with a 4.82/5 coverage score as the only carrier in the group to offer gap insurance, rideshare endorsements and custom parts coverage. Full coverage costs $124/month, 11% below the Arizona state average but the highest among the top five. That combination makes Progressive the strongest fit for drivers who values coverage flexibility over paying the lowest premium. Price-first shoppers will find better rates at Travelers or State Farm.
Cost
Progressive has the highest rates in the top five across several categories: $124/month for full coverage, $75/month for minimum coverage and $399/month for young drivers with a clean record. The gap on young driver rates is particularly wide — Travelers comes in at $197/month for the same profile, less than half of Progressive's rate. After a DUI, Progressive charges $158/month, ranking third among the top five. While Progressive is often one of the more competitive options for drivers with violations nationally, that advantage doesn't hold as strongly in Arizona. State Farm at $116/month and Travelers at $129/month both come in cheaper after a DUI. Arizona drivers with violations should compare multiple options before committing.
Customer Experience
Progressive earns a 4.21/5 customer experience score, third among Arizona's top five. It holds a strong A+ AM Best rating and an NAIC complaint index of 0.94, falling just below the national median of 1.00. In J.D. Power's 2025 U.S. Auto Insurance Study, Progressive scores 616, ranking 12th of 14 providers and below the 636 regional average. Drivers who weight claims satisfaction heavily will find stronger options in Auto-Owners or Travelers.
Coverage Options
Progressive's 4.82/5 coverage score is the highest among the top five. Available add-ons include gap insurance, a rideshare endorsement, custom parts and equipment coverage, accident forgiveness, roadside assistance, rental reimbursement and the Snapshot telematics program for drivers who want usage-based pricing. Gap insurance is particularly relevant for Arizona drivers financing new vehicles in the Phoenix metro market. Drivers who don't need those add-ons will likely find better value at Travelers or Auto-Owners.
State Farm
Best for Young Drivers in Arizona
State Farm ranks fourth overall in Arizona at 4.36/5, with its strongest credentials in affordability, particularly for younger drivers and those with violations. Its full coverage rate of $110/month is 22% below the state average, and it has the lowest DUI rate among the top five at $116/month. The main limitation is coverage selection: a 2.95/5 coverage score ranks last among the top five, so drivers who need gap insurance or rideshare coverage should weigh Progressive instead.
Cost
State Farm's strongest pricing advantages are for younger drivers and those with violations. For young drivers with a clean record, full coverage averages $255/month, the second lowest among the top five and well below Progressive's $399/month for the same profile. After a DUI, State Farm's $116/month is the lowest among the top five, $13/month less than Travelers and $82/month less than GEICO. For the average adult driver with a clean record, full coverage costs $110/month, tied with Auto-Owners for second lowest and 22% below the state average. State Farm is the most consistently competitive option in Arizona for drivers who'd otherwise face above-average rates.
Customer Experience
State Farm earns a 4.09/5 customer experience score, fourth among Arizona's top five. Its J.D. Power score of 638 ranks third of 14 providers in the 2025 study and sits just above the 636 regional average, a solid result for a carrier of its size. Its NAIC complaint index is 1.21, which runs above the national median of 1.00, meaning State Farm draws more complaints relative to its size than most carriers. It holds an A+ AM Best rating for financial strength. For most drivers, State Farm's service quality is reliable, but those who weight claims satisfaction heavily will find a stronger record at Auto-Owners or Travelers.
Coverage Options
State Farm earns a 2.95/5 coverage score, the lowest among the top five. Available add-ons include roadside assistance and rental reimbursement, but State Farm doesn't offer gap insurance or rideshare endorsements in Arizona. Its most distinctive feature is the Drive Safe & Save telematics program, paired with the Steer Clear program for young drivers seeking rate reductions through safe driving. Drivers who need a broader add-on selection should consider Progressive.
GEICO
MoneyGeek Top Pick
GEICO ranks fifth overall in Arizona at 4.27/5, with competitive rates for clean-record drivers and a digital-first service model that works well for straightforward policies. Full coverage costs $114/month, 18% below the state average, and minimum coverage averages $52/month. The weak points are customer experience, which earns the lowest score among the top five, and DUI pricing that's the highest in the group. Drivers with violations should look at State Farm or Travelers before choosing GEICO.
Cost
GEICO's pricing advantage is concentrated among clean-record drivers. For young drivers with a clean record, full coverage averages $245/month, the second lowest among the top five behind Travelers' $197/month. For the average adult with a clean record, full coverage costs $114/month, 18% below the state average. After a DUI, that advantage disappears entirely: GEICO's $242/month is the highest among the top five and more than double State Farm's $116/month. Minimum coverage at $52/month is competitive for liability-only buyers.
Customer Experience
GEICO earns a 3.92/5 customer experience score, the lowest among Arizona's top five. It holds an A++ AM Best rating, the highest possible, and an NAIC complaint index of 0.52, well below the national median. In J.D. Power's 2025 U.S. Auto Insurance Study, GEICO scores 624, ranking ninth of 14 providers and below the 636 regional average. The J.D. Power result is the primary drag on its score — its complaint record and financial strength are both strong, but claims satisfaction trails most of the top five.
Coverage Options
GEICO earns a 2.95/5 coverage score, tied with State Farm for last among the top five. Its most distinctive add-on is mechanical breakdown insurance, which covers repair costs beyond the factory warranty for vehicles under 15 months old with fewer than 15,000 miles — a unique option most competitors don't offer. GEICO doesn't offer gap insurance or rideshare endorsements in Arizona, which limits its appeal for drivers who need either of those coverages.
WHAT'S DIFFERENT ABOUT CAR INSURANCE IN ARIZONA?
Arizona follows a fault-based system where each driver's recovery is reduced by their share of responsibility for an accident. Even if you're mostly at fault, you can still recover something from the other driver, just less. That's more forgiving than the standard most states use, where being more than 50% at fault cuts off your recovery entirely.
Arizona also has three DUI tiers based on blood alcohol level: standard (0.08 and above), extreme (0.15 to 0.19) and super extreme (0.20 and above). Every first-offense conviction at any level requires a 12-month ignition interlock device. That mandatory requirement affects how insurers price DUI convictions in the state, which is part of why post-DUI rates vary as much as they do across carriers.
Rates at Arizona's Best Car Insurance Companies
Arizona's full coverage average is $140/month, about 14% above the national average of $123/month, and minimum coverage averages $69/month, also above the $59/month national benchmark. All five top-ranked carriers come in below the state average, with Travelers offering the lowest full coverage rate at $86/month, $54/month less than the state average. Use the Arizona car insurance calculator to estimate where your specific profile and ZIP code land against these figures.
Rates shift based on carrier, driver profile and where in Arizona you live. The Phoenix metro area drives much of the state's above-average costs. Higher population density, more claims activity and heavier traffic all push rates up compared to rural Arizona. Individual underwriting differences across carriers mean the cheapest option for one driver won't always be the cheapest for another.
$86 | $45 | 39% below | |
$110 | $54 | 21% below | |
$110 | $51 | 22% below | |
$114 | $52 | 18% below | |
$124 | $75 | 11% below |
Coverage Options at Arizona's Best Car Insurance Companies
The eight core coverages are consistent across all five carriers. Progressive offers the broadest selection at 12 of 13, and it's the only carrier with rideshare coverage, gap insurance and custom parts coverage in Arizona. Travelers is the only one offering new car replacement. Accident forgiveness is available through Travelers, Progressive and GEICO but not Auto-Owners or State Farm. If any of those specific coverages matter to your situation, they're worth factoring into your decision before comparing rates.
Bodily injury liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Property damage liability | ✓ | ✓ | ✓ | ✓ | ✓ |
Comprehensive | ✓ | ✓ | ✓ | ✓ | ✓ |
Collision | ✓ | ✓ | ✓ | ✓ | ✓ |
Uninsured/underinsured motorist | ✓ | ✓ | ✓ | ✓ | ✓ |
Medical payments / PIP | ✓ | ✓ | ✓ | ✓ | ✓ |
Roadside assistance | ✓ | ✓ | ✓ | ✓ | ✓ |
Rental reimbursement | ✓ | ✓ | ✓ | ✓ | ✓ |
Accident forgiveness | ✓ | — | ✓ | — | ✓ |
New car replacement | ✓ | — | — | — | — |
Rideshare coverage | — | — | ✓ | — | — |
Gap insurance | — | — | ✓ | — | — |
Custom parts coverage | — | — | ✓ | — | — |
Coverage total | 10/13 | 8/13 | 12/13 | 8/13 | 9/13 |
- Comprehensive coverage is included in all five carriers' full coverage policies rather than sold as a separate add-on. In Arizona, the most relevant comprehensive risks are vehicle theft and hail exposure, particularly in the Phoenix metro and Tucson markets.
- Uninsured motorist coverage is optional in Arizona — insurers must offer it, but drivers can reject it in writing. With an uninsured driver rate of around 10.6%, below the national average, the risk is moderate but real. All five carriers offer UM/UIM as an add-on, with stacking availability varying by carrier and policy type.
- Progressive is the only top-five carrier in Arizona that offers gap insurance, which covers the difference between your car's actual cash value and your remaining loan or lease balance after a total loss. For drivers financing a new vehicle in the Phoenix metro market, where new car sales volume is high, that coverage gap can be substantial.
How to Use These Rankings to Find Your Best Arizona Carrier
The right carrier depends on which factor matters most to your situation.
If price is your top priority:Travelers is the cheapest among Arizona's top-rated carriers at $86/month for full coverage and $45/month for minimum coverage, 39% and 35% below the Arizona state averages, respectively.
If you want the best Arizona claims experience:Auto-Owners earns a perfect 5.00/5 customer experience score, the highest among Arizona's top-ranked carriers on this page. That score reflects top-tier claims satisfaction data, J.D. Power regional scoring, AM Best financial strength ratings and NAIC complaint index performance.
If you want the best balance of price and coverage:Travelers leads Arizona with a 4.79/5 MoneyGeek score, combining the lowest full coverage rate on this page ($86/month) with a 4.65/5 customer experience score. For drivers who want strong ratings across price and service without sacrificing either, Travelers is the best option in Arizona.
If you have a young driver in your household:Travelers charges $197/month for young drivers with a clean record, the lowest among the top five and $58/month less than the next cheapest option, State Farm at $255/month. Stacking your auto policy with home insurance increases the savings further.
If you have a DUI or violation on your record:State Farm charges $116/month for full coverage after a DUI in Arizona, the lowest among the top five and $13/month less than second-ranked Travelers at $129/month. Arizona requires an SR-22 filing with the MVD for three years after a conviction, plus a mandatory 12-month ignition interlock device for first-offense convictions.
Best Arizona Car Insurance: FAQ
What is the minimum car insurance required in Arizona?
Arizona requires at least $25,000 in bodily injury liability per person, $50,000 per accident and $15,000 in property damage liability per A.R.S. Section 28-4009. Those minimums were updated in 2020, the first increase since 1972. Uninsured and underinsured motorist coverage isn't required, but insurers must offer it and drivers have to reject it in writing to opt out. Arizona doesn't require PIP or medical payments coverage, though MedPay is available as an optional add-on.
What happens if I drive without insurance in Arizona?
A first offense carries a fine of $500 to $1,000, plus license and registration suspension and a three-year SR-22 requirement filed with the MVD. Arizona monitors coverage electronically, so a policy lapse triggers an automatic notice and potential registration suspension without requiring a traffic stop. Subsequent offenses can result in vehicle impoundment.
What is Arizona's pure comparative negligence rule and how does it affect my claim?
Arizona follows pure comparative negligence, meaning you can recover damages from another driver even if you're mostly at fault, your award is simply reduced by your percentage of responsibility. Most states cut off recovery once you're more than 50% at fault; Arizona doesn't. The personal injury statute of limitations is two years.
What is Arizona's three-tier DUI structure?
Arizona breaks DUI offenses into three tiers based on blood alcohol content. Standard DUI applies at 0.08 and above, with a minimum 10-day jail sentence, $1,250 in fines, a 90-day suspension and a 12-month ignition interlock requirement. Extreme DUI applies at 0.15 to 0.19, with a minimum 30-day sentence and $2,750 in fines. Super Extreme applies at 0.20 and above, with a minimum 45-day sentence, $3,750 in fines and an 18-month interlock requirement. Most states handle BAC levels through sentencing enhancements rather than separate statutes.
Why does Arizona require ignition interlock for all first-offense DUIs?
Most states reserve ignition interlock requirements for repeat offenders or high-BAC convictions. Arizona requires it for every first-offense DUI, including standard 0.08 convictions and drug-related offenses, for a minimum of 12 months (18 months for Super Extreme). Arizona also offers a Special Ignition Interlock Restricted Driver's License, which allows limited driving with an interlock device during suspension after the first 30 days.
Sources
- J.D. Power. “2025 U.S. Auto Insurance Study.”
- Arizona State Legislature. “A.R.S. Section 28-4009 — Provisions of Owner's Policy of Liability Insurance.”
- Insurance Information Institute (III). “Facts + Statistics: Uninsured Motorists.”
- AM Best. “Ratings Services.”
For the complete breakdown of MoneyGeek's scoring weights and rate baseline construction, see our full auto insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.