Best car insurance in Arizona of 2024
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.
BLUEPRINT
Published 5:00 a.m. UTC July 11, 2024
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Farm Bureau Mutual has the best car insurance in Arizona. Its rates are below average for most drivers, and among the insurers we analyzed, it has the lowest level of complaints to state insurance departments.
Other top auto insurance companies in Arizona include Travelers, Country Insurance, Geico, Nationwide and Auto-Owners. These insurers offer a good mix of affordable rates and low levels of customer complaints.
Best car insurance companies in Arizona
- Farm Bureau Mutual: Best car insurance in Arizona.
- Travelers: Best after a DUI.
- Country Insurance: Best after a gap in coverage.
- Geico: Best car insurance after a speeding ticket.
- Nationwide: Great car insurance for teens.
- Auto-Owners: Cheap minimum liability insurance.
Why trust our insurance experts
Our team of car insurance experts has decades of experience as licensed property and casualty experts, insurance editors and consumers. We approach car insurance analysis as if we were shopping for ourselves or our family members, focusing on rates, coverage and features available, customer complaints and the collision repair process.
Using a data-driven methodology, we evaluate hundreds of auto insurance products, analyze thousands of data points and rate each insurer to help you find the best car insurance product for your situation. Advertisers never influence our editorial content. You can read more about our methodology below.
- 19 Arizona car insurance companies reviewed.
- 132 Arizona car insurance rates analyzed.
- 5 levels of fact-checking.
Top-rated car insurance companies in Arizona
Compare the best car insurance companies in Arizona
Farm Bureau Mutual has the best car insurance in Arizona, particularly if you prioritize good customer service. It offers rates below average for most drivers and has a very low level of customer complaints to the NAIC.
Country Insurance also has below-average rates and a very low level of complaints to the NAIC.
If you’re looking for the best cheap car insurance in Arizona, consider Travelers or Geico. Both are top-scoring companies in our analysis and offer good drivers average rates below $1,500 per year.
| ARIZONA CAR INSURANCE COMPANY | OUR RATING | AVERAGE ANNUAL RATE FOR GOOD DRIVERS | CUSTOMER COMPLAINT LEVEL | LEARN MORE | ||||||
|---|---|---|---|---|---|---|---|---|---|---|
 Farm Bureau Mutual | $2,011 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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| $1,374 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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 Country Insurance | $1,736 | Very low | Compare Rates Compare rates offered by participating partners | |||||||
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| $1,407 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,780 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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| $1,820 | Low | Compare Rates Compare rates offered by participating partners | ||||||||
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How much does car insurance cost in Arizona?
The average cost of car insurance in Arizona is $2,110 per year, or $176 per month for good drivers purchasing full coverage.
Compared to the U.S. average cost of car insurance ($2,026), auto insurance rates in Arizona are a little higher.
This year, expect car insurance rates in Arizona to continue to rise.
“Many auto insurers are expected to raise premiums in 2024 to make up for large underwriting losses incurred from 2021 to 2023. It’s going to take time for every company to get their rates to where they want them to be.”
Mark Friedlander, Director of Corporate Communications, Insurance Information Institute
According to Friedlander, several factors are leading to increased car insurance rates in Arizona and across the country, including:
- A “30% increase in the average amount of distracted driving per mile” nationwide from 2019 to 2023.
- A 45% increase in the cost of car repairs from 2019 to 2022.
- Increased attorney involvement in claims and a “sue first” approach before trying to settle a claim.
- An increase in severe weather events, leading to more frequent damage claims.
Cheapest car insurance companies in Arizona
Geico is the best cheap car insurance company in Arizona. Its rates are the lowest among the top-scoring insurers.
Root is the cheapest car insurance company in Arizona overall, but it has a high level of customer complaints to state insurance departments (nearly double the national average), so it doesn’t make our analysis of the best car insurance companies in the state.
If you’re looking for an affordable car insurance company, also consider Country Insurance.
- After a speeding ticket
- After an accident
- After a DUI
- With poor credit
- After a gap in coverage
- Adding a teen to a parent policy
Cheapest car insurance after a speeding ticket in Arizona
Root and Geico have the cheapest car insurance after a speeding ticket in Arizona. They are the only two insurers with an average premium under $150 a month.
Cheapest car insurance after an accident in Arizona
The cheapest car insurance after an accident causing bodily injury in Arizona is Geico, followed by Root and Travelers.
Cheapest car insurance after an accident causing bodily injury
If you’re shopping for coverage after an accident with only property damage, Root has the cheapest average rates. Travelers also has low rates and is among Arizona’s best car insurance companies.
Cheapest car insurance after an accident causing property damage
Cheapest car insurance after a DUI in Arizona
Root has the cheapest car insurance after a DUI in Arizona. It’s the only insurer with an average annual premium below $2,000. Still, it’s worth considering Travelers as well. It may cost a bit more, but it has a lower-than-average level of complaints to state insurance departments, which may indicate higher customer satisfaction.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Root
| $1,469
| $122
|
$2,023
| $169
| |
$2,162
| $180
| |
Arizona average
| $3,371
| $281
|
Cheapest car insurance for poor credit in Arizona
Root offers the cheapest car insurance for drivers with poor credit in Arizona. Travelers and Geico also offer below-average premiums if your credit score is low.
Cheapest car insurance in Arizona after a gap in coverage
Country Insurance has the cheapest car insurance in Arizona after a gap in coverage. Root and Travelers also have average rates below $1,800 per year if you’ve let your coverage lapse and are in the market for a new policy.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Country Insurance
| $1,737
| $145
|
Root
| $1,746
| $146
|
$1,798
| $150
| |
Arizona average
| $2,782
| $283
|
Cheapest car insurance for adding a teen driver in Arizona
Farm Bureau Mutual has the cheapest average car insurance rates insurance if you are adding a 16- to 19-year-old driver to your car insurance policy. Geico and Nationwide are also reasonably competitive insurance companies for teen drivers in Arizona.
| COMPANY | AVERAGE ANNUAL RATE | AVERAGE MONTHLY RATE |
|---|---|---|
Farm Bureau Mutual
| $2,234
| $186
|
$3,087
| $257
| |
$3,536
| $295
| |
Arizona average
| $5,528
| $461
|
How to find cheap car insurance in Arizona
You can find the lowest car insurance rates in Arizona in several ways.
- Shop around. While some insurance companies may reward you with a loyalty discount for sticking around, it’s wise to shop around for coverage annually. At least once every year or every other year, get car insurance quotes from three or more Arizona auto insurance companies. Just make sure you’re comparing policies with the same coverages, deductibles and limits to ensure it’s a fair comparison.
- Look for discounts. Car insurance discounts are a great way to keep premiums down, and insurers offer a wide range. Common discounts include ones for bundling home and auto insurance, insuring multiple vehicles, going accident- or claim-free and being a good student.
- Build your credit. Your credit-based insurance score is one of many factors companies use to set car insurance rates in Arizona. If you have poor credit, improve it by making on-time payments and paying down outstanding debts.
- Drop unnecessary coverage. If you already have car insurance, you may be paying for coverage you don’t need. Review your policy and consider dropping unnecessary extras like rental car reimbursement or roadside assistance. In some cases, it might even make sense to drop comprehensive and collision insurance.
- Adjust coverage. Increasing your deductible, or how much your insurer will subtract from certain claim payouts, can lead to lower rates. The same is true if you reduce your coverage limits or the amount your insurer will pay after an accident. However, both options can leave you on the hook for more out-of-pocket expenses after an accident, especially if your policy limit is substantially lower than the actual cost of repairs.
Car insurance in Arizona vs. other states
Here’s how much full coverage car insurance for good drivers costs in Arizona compared to other states.
Car insurance requirements in Arizona
The Arizona Department of Insurance and Financial Institutions requires that drivers in the Grand Canyon State carry a minimum level of car insurance.
Arizona requires drivers to carry a 25/50/15 liability insurance policy, which includes:
- $25,000 in bodily injury coverage per person.
- $50,000 in bodily injury coverage for two or more people per accident.
- $15,000 in property damage coverage per accident.
This minimum is truly just that — minimum. If you’re at fault for an accident resulting in bodily injuries or property damage exceeding those limits, you’ll need to pay additional expenses out of pocket. The same is true if you are sued following an accident you caused. A good rule of thumb is to have enough liability insurance to cover your assets in the event of an expensive lawsuit.
Regardless of the policy limits you choose, liability insurance only covers expenses incurred by the other driver, their passengers, pedestrians and the owner of any property you’ve damaged. It does not cover you, your passengers or damage to your vehicle.
Expert tip: We recommend upping the liability limits and making your policy full coverage with comprehensive and collision coverage additions. Medical payments (MedPay) coverage may also be worth considering. It covers accident-related medical costs or funeral expenses for you and your passengers.
Methodology
Our team of insurance experts evaluated 19 Arizona car insurance companies to determine which offer the best coverage based on average rates and consumer complaints. Based on the following factors, each insurer was eligible for up to 100 points.
- Cost: 60 points. Analysis of Quadrant Information Services rates for a policy with 100/300/100 in liability coverage, uninsured motorist coverage and comprehensive and collision coverage. We also analyzed average rates for various driver profiles and identified the best cheap insurer for each. Driver profiles include:
- Driver with an accident, speeding ticket or DUI on their record.
- Driver with a gap in coverage.
- Teen drivers added to a parent’s policy.
- High-risk driver.
- Customer complaints: 40 points. We looked at data from the National Association of Insurance Commissioners (NAIC), which shows the level of car insurance consumer complaints against each company. When a consumer lodges a complaint with their state’s insurance department — often about an insurance company’s claims process, delays, denials or settlements — these complaints are logged and tracked.
Frequently asked questions (FAQs)
Travelers offers the cheapest car insurance in Arizona of the top-scoring companies in our rating. Good drivers pay an average of $1,374 per year, or $115 per month, for a full coverage policy.
Many drivers will find cheap car insurance with Root, but it has a high level of consumer complaints to state insurance departments, which prevents it from earning a spot in our best car insurance companies in Arizona rating.
Car insurance in Arizona costs $2,110 per year, or $176 per month, slightly higher than the national average of $2,026 per year. Arizona drivers can lower their auto insurance costs by looking for discounts, adjusting coverages and shopping around for lower rates.
Looking to save on car insurance? Car insurance discount guide.
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