Best Car Insurance Companies in Phoenix, AZ


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Updated: November 21, 2024

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Individual requirements and driving background determine which car insurance is best suited for your needs. However, Auto-Owners takes the lead for MoneyGeek’s pick for the best full coverage policy and the best for customer service, teenage drivers and seniors. Meanwhile, Travelers is MoneyGeek’s top choice for minimum coverage policies, young adults, those with a new car and drivers with a violation on their record.

If cost is one of your top priorities, you can also review MoneyGeek’s recommendation of Arizona's cheapest auto insurance providers.

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2024

Table of Contents (Jump to Your Best Fit)

Why Trust MoneyGeek? Our scoring system ranks top auto insurance providers in Phoenix across various factors using our proprietary scoring system. Our rates for this study are based on data from reliable sources like the Arizona Department of Insurance and Financial Institutions. and Quadrant Information Services.

105,568Quotes Analyzed
 
16Companies Compared

Best Overall Car Insurance in Phoenix

The following companies offer the best overall auto insurance in Phoenix for full coverage policies:

  • Auto-Owners: MoneyGeek score 78 out of 100 ($1,098 per year)
  • Travelers: MoneyGeek score 78 out of 100 ($773 per year)

Of the 13 companies MoneyGeek assessed, Auto-Owners had the best claims score and tied for the best coverage score. It also scored well on affordability, becoming our top selection for balancing service with cost. Auto-Owners is also the best car insurance carrier in Arizona, receiving a MoneyGeek score of 92 out of 100.

For active and retired military members and their families, USAA has the best auto insurance. The company received a MoneyGeek score of 85 out of 100 for an average yearly cost of $755 for a full coverage policy.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

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High claims management and solid customer satisfaction scores

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Fourth cheapest out of 13 insurers

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Offers extensive add-on coverage options, including gap insurance, accident forgiveness and diminished value coverage

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Doesn’t have new car replacement coverage

COMPANY HIGHLIGHTS

Auto-Owners has well-rounded scores across all categories, making it MoneyGeek’s top pick for a full coverage policy provider in Phoenix. Overall, Auto-Owners has the best claims management score of the 13 insurers assessed and is tied for the highest coverage score.

Additionally, the insurer offers some less commonly available coverage options, such as gap insurance and diminished value coverage. Diminished value coverage from Auto-Owners can be used to compensate you for a loss in value when your car is totaled in an accident. Gap insurance shields you from the depreciating value of your car in case of an accident by paying the difference between its market value and the pending loan or lease amount.

Auto-Owners also offers accident forgiveness coverage. With this add-on insurance, your premiums won’t increase after your first at-fault accident as long as you haven’t been in an at-fault accident or incurred any major violations for the 36 months prior to purchasing this benefit.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

How the Best Insurers in Phoenix Rank: MoneyGeek Scores and Costs

Of the 13 companies we ranked in Phoenix, Arizona, Auto-Owners was MoneyGeek’s top insurer for full coverage policies. Although the insurer is not the cheapest and ranks fifth for customer satisfaction, it has the best claims rating of the insurers we assessed and offers an array of coverage options.

Travelers received a perfect score in affordability and tied with Auto-Owners for the top score in coverage availability. However, Travelers scored lower on claims management and customer satisfaction.

The best insurer for customer satisfaction is Iowa Farm Bureau, although it lacked vital scores on some individual components and thus did not receive an overall MoneyGeek score.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Travelers78$7734345
Root Insurance CompanyNo Data$789423No Data
Auto-Owners Insurance Co78$1,0984345
GEICO72$1,0294235
State Farm72$1,1114235
Country Financial72$1,6035334
Progressive70$1,1113244
Hartford70$1,1304244
Allstate67$1,1943244
Mercury67$1,1563233
Farmers67$1,2623243
Iowa Farm BureauNo Data$1,2735No Data03
Nationwide63$1,6903244
CSAA54$1,7373203
The General34$3,4434033

Best Car Insurance in Phoenix for Customer Service

With cost excluded from our ranking system, the best auto insurance providers in Phoenix for customer service are:

  • Auto-Owners: MoneyGeek score 66 out of 100 ($1,098 per year)
  • Country Financial: MoneyGeek score 65 out of 100 ($1,603 per year)

Auto-Owners received high scores in claims handling and coverage options, in addition to the fourth-highest score in affordability — that means this insurer balances low prices with quality coverage and efficient claims processing. Its score on customer satisfaction is also above average.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

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Awarded a high customer service score

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Received the highest score in claims management among insurers in this category

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Offers several uncommon coverages like the personal automobile plus package and deductible modification coverage

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Missing some coverages, like rideshare insurance and new car replacement insurance.

COMPANY HIGHLIGHTS

Auto-Owners had the highest claims score, tied for the highest coverage score and received the fifth highest customer service score of the 13 insurers MoneyGeek analyzed in this category.

This insurer offers a variety of useful coverages, including a Personal Automobile Plus Package. This package solves various insurance-related issues by bundling several optional coverages, including coverage for locksmith services, identity theft and mobile phone replacement, among many others.

Auto-Owners’ deductible modification coverage also waives your policy's deductible amount if you get into a collision accident and the third-party car is also insured by Auto-Owners Insurance Company. This coverage also comprises a shared loss deductible that covers the cost of damage to your car and vehicle if both are insured at Auto-Owners.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer Best for Customer Service?

A good insurer for customer service combines good customer engagement with exceptional claims management processes. Based on data from the NAIC’s Customer Complaint Index, J.D. Power’s Customer Satisfaction Study and MoneyGeek’s analysis, Auto-Owners offers the best customer service of any provider in Phoenix. Country Financial ranked as the second-best insurer for customer satisfaction but received a relatively low claims management score.

Best Cheap Car Insurance in Phoenix

According to our analysis of service quality and affordability scores for policies that meet Arizona’s minimum car insurance requirements, the best providers in Phoenix are:

  • Travelers: MoneyGeek score 80 out of 100 ($358 per year)
  • Auto-Owners: MoneyGeek score 79 out of 100 ($517 per year)

A minimum coverage policy costs less than other policies but also offers the most limited coverage. Unlike full coverage auto insurance, a minimum coverage policy doesn’t include comprehensive and collision insurance and will not cover damages to your car after an accident. Note that minimum car insurance requirements in Arizona are the same across all cities in the state.

How was this MoneyGeek score calculated?

Travelers

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An affordable minimum coverage policy costs $358 per year

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Offers bundling, multiple car, paperless billing and loyalty discounts

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Tied for highest scorer on essential coverage options

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Ranked seventh out of 13 insurers for customer satisfaction and 12th for claims handling

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Lacks discounts for airbags and anti-theft systems

COMPANY HIGHLIGHTS

Travelers is MoneyGeek’s top pick for the best minimum coverage insurer in Phoenix, scoring the highest for coverage options and affordability; this means that the insurer offers the lowest average premiums while providing essential add-on coverage options. Travelers also offers a broad range of discounts to help policyholders save money.

For example, the insurer gives discounts to those who insure multiple cars with Travelers, have good grades (for students), maintain a safe driving record or bundle more than one type of insurance policy. For example, you qualify for a multiple-car discount if you insure more than one car with Travelers. You may also save up to 13% of your premium if you buy condo or home insurance together with car insurance from Travelers.

Travelers also provides several unique discounts that you may not find with its competitors. For instance, this insurer offers an alternative energy discount for drivers who lease or own a hybrid car. If you request an auto insurance quote before your current coverage expires, Travelers may also reduce your premium through its early signing discount.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer the Best Cheap Option?

A minimum coverage policy is a policy that meets a state’s bare minimum auto insurance requirements. It's typically the most affordable policy type and can be an excellent option if the policy still meets your needs and if the provider offers excellent customer service. Travelers received a perfect affordability score from MoneyGeek, with an average yearly cost of $358. However, the insurer may not be the best for customer service, with average claims management and customer satisfaction scores. Auto-Owners had the highest claims score of the companies analyzed but ranked lower in affordability.

Best Car Insurance in Phoenix for Young Adults

The following providers offer the best auto insurance coverage for young adults in Phoenix:

  • Travelers: MoneyGeek score 77 out of 100 ($917 per year)
  • Auto-Owners: MoneyGeek score 76 out of 100 ($1,506 per year)

Travelers received the second-highest score in affordability and the highest score for coverage options for young drivers, meaning it offers low-cost policies and add-on protections that are crucial to young drivers.

How was this MoneyGeek score calculated?

Travelers

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Second-cheapest insurer for drivers in their 20s with coverage costing just $917 per year

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Offers good student, distant student and driver’s education discounts

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Ranked ninth out of 13 insurers for customer satisfaction

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Average claims handling score

COMPANY HIGHLIGHTS

Travelers received good scores for coverage options and affordability, making it MoneyGeek’s pick for the top insurer for young adult drivers in Phoenix. On average, young drivers will find the second-cheapest coverage with this provider, plus a useful set of discounts and coverage options. Some of these include good student, driver’s education and distant student discounts, as well as roadside assistance, rental car reimbursement and accident forgiveness coverage. However, it’s worth noting that the company ranks ninth for customer satisfaction and may not offer the best claims-handling experience.

Travelers encourages young drivers to improve their driving skills by providing a discount to those who complete an approved driver training course. For young drivers in college or high school, Travelers lowers their premiums if they are full-time students and have maintained an average 3.0 GPA or higher.

In addition to these discounts, the company also offers important coverages for young drivers, including roadside assistance. Roadside assistance helps with towing or replacing a dead car battery if you’re stranded on the road, while at work, out running errands or at home. With this insurer, drivers can also purchase rental car reimbursement and accident forgiveness coverages to ensure they get the best service after getting involved in an accident.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Young Adults?

Drivers in their 20s can benefit from insurers that offer lower premiums, more discount options and useful add-on coverage options. Travelers provides a good balance of affordability and essential coverages for this age bracket, despite not ranking among the top insurers for customer satisfaction and claims management. While Auto-Owners ranks better on claims management and customer service than Travelers, its policies are more expensive.

Best Car Insurance in Phoenix for Teens and Their Families

The best auto insurance for teen drivers included on a family policy in Phoenix comes from the following companies:

  • Travelers: MoneyGeek score 78 out of 100 ($2,325 per year)
  • GEICO: MoneyGeek score 71 out of 100 ($2,869)

With a perfect score in affordability and high scores in coverages and customer satisfaction, Travers is MoneyGeek’s top pick for insurance for teens and their families.

Generally, the best way to insure teens is by adding them to a family policy. Individual policies for teens are significantly more expensive. For example, you will only pay $3,011 per year, on average, for a family plan, but an individual policy would cost $5,905 yearly — that’s $2,895 more. Teens under the age of 18 also typically can’t legally purchase an individual policy without a parent or guardian co-signer.

How was this MoneyGeek score calculated?

Travelers

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Perfect score in affordability, offering policies for $2,325 per year

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High scores in customer satisfaction and coverage options

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Offers good student and drivers education discounts

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Relatively low claims handling score

COMPANY HIGHLIGHTS

Travelers ranked high for affordability, customer service and coverage options, making it MoneyGeek’s best pick for teens and their families in Phoenix.

This provider also offers a variety of useful discounts for young drivers and their families. For example, teen drivers can leverage student-specific discounts from Travelers to save more on their auto insurance costs. The company has a discount that can reduce your premiums if your policy has a teen driver with good grades, typically a B or better. Savings are also available for teens who complete an approved driver’s education course.

Additionally, Travelers offers coverages that are particularly useful for young drivers, including roadside assistance — which provides aid if a driver’s car breaks down — and accident forgiveness — which can protect teens and their parents from premium increases, should their child get into an accident.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Teens?

Auto insurance premiums for teens may be high because young drivers have less experience on the road and are thus seen as a liability for insurers. The best company for teens and their families is one with low rates and several applicable discounts and coverage options for teenagers to help save on costs. Travelers is MoneyGeek’s top pick for teens and their families in Phoenix because this provider offers low rates, applicable discounts and coverages that can give teens and their families peace of mind, such as roadside assistance and accident forgiveness.

Best Car Insurance in Phoenix for Seniors

The best auto insurance for seniors in Phoenix comes from the following providers:

  • Auto-Owners: MoneyGeek score 79 out of 100 ($1,053 per year)
  • Travelers: MoneyGeek score 78 out of 100 ($764 per year)

Auto-Owners offers the best claims management for senior drivers in Phoenix. While it may not be the best for customer satisfaction, its score in this category is above average. The insurer is also the fifth cheapest in the city, meaning you can find quality coverage at relatively affordable premiums. Seniors may pay similar auto insurance rates as drivers in their 30s to 50s. However, premiums tend to increase for those in their 70s and 80s. Fortunately, older drivers can still find reasonable coverage rates by comparing quotes from different companies.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

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Best insurer for claims experience

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Tied for the highest score for coverage options that suit seniors

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Offers roadside assistance, rental car reimbursement and diminished value coverage

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Ranked seventh out of 13 insurers for customer satisfaction

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May not be the best for affordability

COMPANY HIGHLIGHTS

Auto-Owners received high scores for coverage options and claims experience. Its array of add-on coverages and ability to handle claims more efficiently makes it an ideal choice for seniors, who are more likely to be severely injured in an accident.

You can get locksmith services, mechanical labor services and the delivery of gas tires and batteries with this insurer’s roadside assistance coverage if you’re stranded on the road.

Once a car gets into an accident, its cost diminishes from the original value even after all the repairs get done. Diminished value coverage from Auto-Owners ensures that you receive compensation for the reduction in the value of your car. You may also purchase add-on coverage to be reimbursed for using a rental car after your vehicle breaks down.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

What Makes an Insurer Best for Seniors?

Senior drivers often receive affordable car insurance rates because they’re seen as safe drivers. These drivers are also more likely to sustain more injuries in an accident — that’s why a policy with personal injury protection (PIP), medical costs coverage or a defensive driving discount can make the best choice for drivers in their 60s. Although Auto-Owners is not the cheapest provider in the city and doesn’t offer these aforementioned discounts and coverages, the insurer does provide numerous other coverage options that suit seniors. These include roadside assistance, rental car reimbursement and diminished value coverage. While Travelers offers lower premiums for seniors in Phoenix, it ranks lower in customer satisfaction and claims management.

Best Car Insurance in Phoenix for Drivers With Offenses

The following insurers offer the best car insurance for drivers with poor records in Phoenix:

  • Travelers: MoneyGeek score 75 out of 100 ($1,175 per year)
  • State Farm: MoneyGeek score 73 out of 100 ($1,257 per year)

Travelers received the second-best score for affordability and the highest score for essential coverages for those with traffic violations. Auto insurance rates are higher after a violation, so finding an affordable policy is crucial. In Phoenix, drivers will pay an average of $1,467 for full coverage insurance with a clean record, $2,371 after a DUI and $1,888 after a speeding ticket.

How was this MoneyGeek score calculated?

Travelers

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The second most-affordable provider at an average yearly cost of $1,175

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Ranked highest for essential coverages

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Offers accident forgiveness, new car replacement, roadside assistance and rental car replacement coverages

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May not offer the best customer satisfaction and claims-handling experience

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Doesn’t offer better car replacement coverage

COMPANY HIGHLIGHTS

Auto insurance affordability changes significantly after a traffic violation. Travelers tops our list for the best coverage because it offers low premiums and the most useful coverage options in the event of an accident.

For example, by using roadside assistance from this company, you can get assistance with the delivery of a dead car battery if you are stranded due to an unexpected incident or if your car needs to be towed. Travelers’ extended transportation expenses coverage, commonly known as rental reimbursement, gets you a rental car if your vehicle is damaged and remains out of use for 24 hours or more.

Travelers’ accident forgiveness coverage forgives you of your first at-fault accident if it happens within a specified period. This coverage prevents your car insurance costs from increasing due to an accident.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Drivers With Offenses?

Since car insurance costs are higher for drivers with a poor record, an insurer with affordable rates and several discounts is ideal for drivers with offenses. Travelers stands out in this category because it combines affordability with coverage options and discounts that may suit individuals with violations. For instance, the insurer offers roadside assistance, rental car reimbursement and accident forgiveness as add-on insurance options. State Farm is the second-best insurer in this category, and although it ranks better on customer satisfaction, it is more expensive than Travelers and ranks below average for claims experience.

Best Car Insurance in Phoenix for Drivers With New Cars

If you have a new car in Phoenix, the best auto insurance providers are:

  • Travelers: MoneyGeek score 76 out of 100 ($919 per year)
  • Farmers: MoneyGeek score 44 out of 100 ($1,536 per year)

Travelers is our top pick among the three insurers we reviewed for this category because it is significantly more affordable than the other options available in the city.

For this category, we only reviewed insurers based on customer satisfaction and affordability for drivers with a 2022 model car. Our options only comprised companies that offer new car replacement coverage or better car replacement coverage, which allow drivers to receive a replacement for their totaled car after an accident.

How was this MoneyGeek score calculated?

Travelers

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The cheapest insurer in Phoenix, with policies costing about $919 per year

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Provides new car replacement coverage

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Second-best insurer for customer satisfaction

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Doesn’t offer deductible modification coverage

COMPANY HIGHLIGHTS

Travelers offers a reasonable price for auto insurance for new car drivers, charging about $919 per year. The insurer balances this with high customer satisfaction and applicable coverages. Travelers also ranks well for coverage availability, including gap insurance, rental car reimbursement and roadside assistance.

Travelers’ Premier New Car Replacement package offers unique new car replacement coverage that will buy you a new car if your vehicle is totaled within five years due to a covered accident. To get this coverage, you will need to have comprehensive and collision insurance, and your car must be a current or upcoming model year. Additionally, this insurer offers a range of other useful coverages, including accident forgiveness, rental car reimbursement and roadside assistance coverage.

Read MoneyGeek's Travelers Auto Insurance Review

What Makes an Insurer Best for Drivers With New Cars?

If you have a new car, an insurance provider worth considering should offer a variety of coverage options, including new car or better car replacement coverage. Travelers has the lowest rates and a wider range of coverages for those with new cars. It ranks second for customer satisfaction, meaning you will get a balance of cost and customer service. Farmers ties with Travelers for coverage options but charges significantly higher monthly premiums.

How to Find the Best Car Insurance in Phoenix for You

The best auto insurance provider in Phoenix combines good customer service, reasonable premiums and financial stability. MoneyGeek analyzed car insurance data across companies to help you choose one that best suits your needs. However, if you’d still like to conduct your research, here are a few key factors to keep in mind.

  1. 1
    Research customer service reputations in Phoenix

    MoneyGeek analyzed J.D. Power’s customer satisfaction and NAIC complaint scores to rank auto insurance companies for customer service. If you’re interested in exploring customer service scores for your entire state, you can visit Arizona's Department of Insurance and Financial Institutions website. With this information, you can easily determine your top preferences for customer service.

  2. 2
    Compare quotes

    Our study outlines average car insurance rates for a sample driver that could differ from your personal driver profile. Since premiums vary across insurers and drivers, we recommend obtaining quotes from at least three companies to get the best estimate based on your age, car model, location and other factors.

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    Find the coverages you want in Phoenix

    The best add-on coverage options may also vary based on your unique needs and preferences. Some insurers may list a coverage or discount option on their website that’s no longer part of their package. Others may list offerings that are not available in your location, so you may need to contact the insurer to obtain an accurate list of their offers.

  4. 4
    Check financial stability ratings

    A company’s financial strength indicates its ability to fulfill its obligations once you file a claim. Consider getting your policy from companies with excellent financial standing as opposed to regional companies with lower financial stability scores.

FAQs About the Best Car Insurance in Phoenix

Your preferences and profile will determine which car insurance provider is best for you. Here are answers to some common questions to help you find a suitable insurer in Phoenix.

What is the best car insurance company in Phoenix?

What is the best cheap car insurance company in Phoenix?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.