BestCar InsurancePhoenixThe Best Car Insurance in Phoenix, Arizona, for 2023
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Ensure you're getting the best rate. Review quotes from a top insurance company.
Overall, GEICO is the best auto insurance provider in Phoenix, Arizona. However, the ideal company for each individual varies based on their level of coverage, age and driving record. MoneyGeek compiled a list of the best insurance companies for full and minimum coverage, young and older drivers, drivers with traffic violations and military personnel. MoneyGeek also researched information on the cheapest car insurance providers in Phoenix.
BestCar InsurancePhoenixThe Best Car Insurance in Phoenix
Overall - GEICO
Minimum Coverage - GEICO
Young Drivers - GEICO
Senior Drivers - GEICO
Driving Violations - GEICO
Military - USAA
Best Car Insurance Companies in Phoenix: Overall
MoneyGeek analyzed the best car insurance companies based on customer satisfaction, claims ratings and average premiums for different driver profiles. Based on this data, the best auto insurance providers in Phoenix are:
- GEICO: 96 out of 100
- Country Financial: 78 out of 100
Note that USAA is the best insurer in Phoenix, with a MoneyGeek score of 98 out of 100. However, the company was excluded from our list as its policies are only available to active and former military personnel as well as their families.
The Top Car Insurance Companies in Phoenix
1
GEICOOverall
Score:96
GEICO earned good scores for customer satisfaction, affordability and claims. Mechanical breakdown insurance is its unique add-on coverage. A full coverage insurance policy from the insurer costs roughly $857 per year in Phoenix.
More About GEICO
GEICO's mechanical breakdown insurance covers all parts and systems, unlike the dealer warranty that covers limited items. It is available for new or leased vehicles not older than 15 months and with 15,000 miles mileage. With its accident forgiveness coverage, your premium will not increase after your first at-fault accident. Drivers who are at least 21 years old and have stayed accident-free for at least five years can purchase or earn the coverage.
Read MoneyGeek's GEICO auto Insurance Review2
Country Financial
Score:78
Country Financial earned good scores in customer satisfaction and claims but scored lower in affordability. It offers a glass deductible modification. A comprehensive insurance policy from the company costs around $1,301.
More About Country Financial
If your windshield, automobile windows or headlight covers get damaged, the company's glass deductible modification can cover the repairs. Having this protection in your insurance can help you avoid paying the comprehensive coverage deductible. With its portable electronics and media coverage, if your laptop or phone is stolen from your car, you're covered for up to a maximum of $800.
Read MoneyGeek's Country Financial auto Insurance ReviewRESOURCES ON CAR INSURANCE IN PHOENIX, ARIZONA
Phoenix's drivers can also save money by using MoneyGeek's research on the cheapest auto insurance providers in the city. MoneyGeek compiled the following resources for those who are interested in learning more about Arizona’s auto insurance:
Best Cheap Car Insurance for Minimum Coverage in Phoenix
Drivers in Phoenix must carry at least the minimum insurance coverage required by the state of Arizona. The top auto insurance providers in Phoenix for state minimum coverage are as follows:
- GEICO: 96 out of 100
- Country Financial: 77 out of 100
These ratings were reached by MoneyGeek after studying insurance coverage for drivers from different backgrounds, including those with traffic violations, young drivers and seniors.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs around $400 per year
Offers daytime running lights discounts as well as bundling and safe driving discounts
User satisfaction and claims ratings of 4 out of 5
cons
Only a few endorsement coverages are offered
COMPANY HIGHLIGHTS
Seven of the nine commonly offered discounts are offered by GEICO, including discounts for safe driving, multiple cars and bundling. By avoiding claims and accidents for five years and driving safely, you can receive a discount on your insurance premiums. Likewise, GEICO will offer discounts to policyholders who insure several vehicles or bundle home, life or renters insurance with their auto insurance.
Active and retired government employees are eligible for a discount on their auto insurance premiums through GEICO's federal employee discount. Under GEICO's emergency deployment discount, members of the military who are deployed in an emergency are eligible for significantly discounted rates.
Best Car Insurance for Young Drivers in Phoenix
MoneyGeek researched the best car insurance providers in Phoenix for teens and young drivers. The top options include:
- GEICO: 94 out of 100
- AAA: 91 out of 100
MoneyGeek was able to arrive at these calculations by looking at the insurance policies and driving records of Phoenix's drivers over the age of 18. Car insurance for students and young drivers is generally expensive because of the lower level of expertise they have behind the wheel.
MoneyGeek’s Pick: GEICO
pros
A full coverage policy costs roughly $1,861 per year
Offers driver’s education and good student discounts
MoneyGeek claims and customer satisfaction ratings of 4 out of 5
cons
Offers only limited add-on coverages
COMPANY HIGHLIGHTS
It might be costly to add a young driver to your insurance, but GEICO offers affordable rates to young drivers while providing good service. Choosing a provider with great service is highly important for novice drivers and their parents.
GEICO provides seven of the nine commonly available discounts, including bundling, safe driving, good student and multiple cars discounts. Students who excel academically might benefit from the insurer’s good student discount. Young drivers and students can save money on their insurance premiums by taking a driver's education course. You also get accident forgiveness and roadside assistance, which can be useful for new drivers and teenagers.
Best Car Insurance for Senior Drivers in Phoenix
The following car insurance providers have been proven to be the best for senior drivers in Phoenix who are 65 or older:
- GEICO: 96 out of 100
- Country Financial: 78 out of 100
MoneyGeek looked at 70-year-old drivers' insurance plans and driving histories to get at these results. Car insurance premiums for seniors are often higher than those for those who are middle-aged.
MoneyGeek’s Pick: GEICO
pros
A full coverage policy for a 70-year-old senior driver costs an average of $933 per year
Offers defensive driving and senior driver discount
MoneyGeek claims and customer satisfaction ratings of 4 out of 5
COMPANY HIGHLIGHTS
Although auto insurance policies for senior drivers are comparable to other policies, most insurers charge them a hefty premium. In Phoenix, GEICO offers the lowest rates for senior drivers.
GEICO offers several discounts, including defensive driving and senior driver discounts. Seniors and drivers over 50 could be eligible for auto insurance discounts through GEICO's senior driver program. Senior drivers are also eligible for discounted premiums for completing a defensive driving course.
With GEICO's mechanical breakdown insurance, senior drivers can get better coverage at a lower cost than with the average dealer extended warranty. It covers damages to all parts and systems and is available for new or leased vehicles not older than 15 months and with lower than 15,000 miles on the odometer.
Best Car Insurance With a Driving Violation in Phoenix
If you break a traffic law, it might be hard to get affordable car insurance. To help you, MoneyGeek looked at the best auto insurance companies in Phoenix for drivers who were at fault in an accident.
The following companies offer the best car insurance for those with driving violations in the city:
- GEICO: 95 out of 100
- Country Financial: 84 out of 100
Drivers of different age groups and policies with various coverage levels were used to generate these rankings. Insurers consider those with a poor driving record to be high-risk and charge them more for auto insurance.
MoneyGeek’s Pick: GEICO
pros
A full coverage policy for a 40-year-old driver with an accident history costs approximately $1,247 per year
Offers several discounts, including seven common ones
MoneyGeek claims and customer satisfaction ratings of 4 out of 5
cons
Does not offer better car replacement or new car replacement coverage
Only offers four add-on coverages
COMPANY HIGHLIGHTS
Companies that provide affordable plans with the option to add additional coverage types might help drivers with a prior accident or infraction. One disadvantage of GEICO is that it does not provide new car replacement or better car replacement coverage, two options that could be appropriate for those with an accident history.
GEICO offers seven of nine commonly-offered discounts that may help drivers save money. Discounts are also available for wearing a seat belt and having anti-lock brakes installed.
Best Car Insurance With a Military Background in Phoenix
USAA strikes a balance between cost and customer satisfaction for qualifying drivers in Phoenix. The company received a MoneyGeek score of 98 out of 100 based on our unique scoring system. It should be noted that USAA only provides car insurance to military personnel and their families.
MoneyGeek determined this score by comparing different levels of coverage and driver profiles, such as young and senior drivers, as well as drivers with traffic violations on their records.
MoneyGeek’s Pick: USAA
pros
An affordable full coverage policy costs around $845 per year for a 40-year-old driver
Five common discounts like safe driving and bundling
MoneyGeek claims rating and user satisfaction rating of 5 out of 5
cons
Only three of the seven common coverages are offered (missing deductible modification and more)
Only available to current and former military members and their families
COMPANY HIGHLIGHTS
USAA achieved a perfect score of 5 for claims and customer satisfaction as well as a score of 4.85 for affordability. It offers standard coverage options such as accident forgiveness, roadside assistance and rental car reimbursement. However, USAA does not provide additional optional coverages.
USAA provides five common discounts, including bundling, multiple cars, defensive driving, safe driving and good student. Its military discount provides cheaper rates for garaged vehicles at the base. In addition, USAA policyholders under the age of 25 who were previously insured under their parents' policy and are now purchasing their own insurance are eligible for a legacy discount.
Methodology
MoneyGeek evaluated and identified the best insurers in Phoenix, Arizona, by collecting rates and data from the city's insurance companies. We relied on the data from three reputed organizations in the insurance industry, including AM Best, J.D. Power and the National Association of Insurance Commissioners (NAIC).
To determine our MoneyGeek score, we weight each category by five points and the overall score by one hundred points. We adjusted the weightings for each of the following factors for Phoenix and all other cities where we rank the best car insurance:
- Affordability (70%): MoneyGeek reviewed quotes from Phoenix's insurance companies to rank them based on the cost of their plans. If an insurer offered the cheapest price in the city, it received a perfect score of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek used J.D. Power survey results to assess consumer service and claims satisfaction with each insurance provider. Each category was given a weight of 10%.
- Financial stability (10%): AM Best ratings, which represent an insurance company's capacity to meet financial obligations, were utilized to assess the company’s financial soundness.
MoneyGeek evaluated a variety of driver profiles and factors like age, driving record and coverage levels to determine each insurance provider's overall affordable rating. We created a list of prospective insurance providers after filtering the results based on each driver's profile. For example, MoneyGeek used a sample profile of an 18-year-old male driver with a clean driving record to find the best insurance company for young drivers.
Auto insurance premiums for this MoneyGeek study reflect the cost of a comprehensive policy with the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
MoneyGeek's methodology elaborates on how and where we collect data for comparisons and rankings.
About Mark Fitzpatrick
