The Best Car Insurance Companies in Arizona in 2023

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Written by Angela Williams Edited by Quiana Darden Reviewed by Amanda Clear

Updated June 1, 2023

If you’re in the market for the best car insurance company in Arizona, then look no further. Finding the best insurer requires careful consideration of several factors, including the company’s financial strength, customer service reputation, coverage options, and price. With so many available options, you must research and choose a reputable provider that meets your needs.

With this in mind, we’ve identified some of Arizona’s best auto insurance providers. These companies have proven reliability, trustworthiness, and affordability, making them popular choices among drivers in the state. Whether you’re a new or experienced driver, these providers offer a range of coverage options to suit your needs and budget. So, let’s look at the top auto insurance providers in Arizona.

Key Takeaways

• Arizona requires that all drivers maintain minimum liability insurance coverage, including $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage.
• It’s a “fault” state, meaning the person found to be at fault in an accident is responsible for paying for the damages and injuries resulting from the accident.
• Arizona has one of the highest rates of uninsured drivers, so adding uninsured motorist coverage offers the protection you may need someday.
• The Arizona Motor Vehicle Division (MVD) uses an electronic insurance verification system. Law enforcement officials can verify a driver’s insurance status in real-time during traffic stops and accidents.

The Top 5 Car Insurance Companies in Arizona

State Farm Insurance

Founded in 1922, State Farm has a long and successful history in the insurance industry. It’s one of the largest insurers in the United States, with over 83 million policies in force and a presence in every state.

State Farm’s success comes from its commitment to providing quality coverage and exceptional customer service. It has a solid financial standing and can pay out claims promptly and fairly. In addition, State Farm offers a variety of discounts to help drivers save money on their premiums, including those for good driving habits and vehicle safety features.

For drivers in Arizona, State Farm offers an extensive network of agents and customer service representatives, allowing for quick and easy access to assistance, whether it’s filing a claim or getting answers to policy questions.

Pros:

• Excellent customer service
• A wide range of coverage options
• Offers numerous discount options

Cons:

• Higher rates than most insurance providers
• Doesn’t offer gap insurance

Ratings:

• JD Power score: 871/1,000
• AM Best score: A++

Coverage Options:

• Liability coverage
• Collision and comprehensive coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental car reimbursement
• Emergency road service coverage
• Travel expense coverage
• Car rental and travel expenses coverage
• Custom parts and equipment coverage
• Pet injury coverage
• Deductible savings bank
• Drive Safe & SaveTM
• Steer Clear® safe driver discount program
• Accident forgiveness
• Rideshare driver coverage
• Business-use coverage

Discounts:

• Multiple vehicle discount
• Safe driving discount
• Accident-free discount
• Defensive driving discount
• Driver training discount
• Good student discount
• Student away at school discount
• Anti-theft discount
• Passive restraint discount
• Homeowner’s discount
• Steer Clear safe driver discount program
• Drive Safe & Save discount
• Rideshare driver discount
• Business use discount
• New vehicle discount
• Vehicle safety discount
• Usage-based insurance discount
• Loyalty discount
• Emergency deployment discount

GEICO Insurance

GEICO was founded in 1936 and has become a well-known and respected insurance provider. Created to provide insurance coverage for government employees, it now offers policies to individuals and businesses across the country.

One factor that sets GEICO apart is its use of advanced technology to make managing your policy easier. It offers an online platform and app where you can manage your policies, file claims, and get assistance from customer service representatives. In addition, GEICO offers a range of coverage options, including liability, collision, comprehensive coverage, and opportunities for rental car coverage and roadside assistance.

The company also offers some of the lowest rates in the state, and you can get even cheaper premiums if you qualify for discounts on your policy.

Pros: Affordable rates, above average customer service ratings, numerous discount options

Cons: No local agents, no gap insurance coverage

Ratings:

• JD Power score: 853/1,000
• AM Best score: A++

Coverage Options:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental reimbursement
• Mechanical breakdown insurance
• Emergency roadside service
• Custom parts and equipment coverage
• Ridesharing coverage
• Mexico car insurance
• Collector car insurance
• Commercial auto insurance
• Flood insurance (for vehicles parked in Arizona flood zones)
• RV insurance
• Boat insurance
• ATV insurance

Discounts:

• Good driver discount
• Defensive driving discount
• Vehicle equipment discount
• Military discount
• Emergency deployment discount
• Federal employee discount
• Membership and employee discount
• Multi-car discount
• Multi-policy discount
• Homeowner’s discount
• Good student discount
• Federal employee discount
• Emergency deployment discount
• Daytime running lights discount
• New vehicle discount
• Driver’s education discount
• Seat belt use discount
• Anit-theft system discount
• Green vehicle discount
• Alternative fuel vehicle discount
• Airbag discount

Allstate Insurance

Allstate, founded in 1931, has become a well-known and respected auto insurance provider in the United States. The company offers a range of insurance products, including auto, home, and life insurance.

Allstate’s commitment to customer service makes it easy to enroll, get answers to your questions, and manage your policy. The company has a network of local agents who can provide in-person assistance and advice, which is particularly helpful for drivers who prefer a more personalized experience. 

Pros: Affordable rates, numerous coverage options, easy-to-use website

Cons: Limited availability, higher premiums

Ratings:

• JD Power score: 826/1,000
• AM Best score: A+

Coverage Options:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental reimbursement
• Sound system insurance
• Personal umbrella policy
• Personal injury protection for pets
• Towing and labor coverage
• New car replacement
• Accident forgiveness
• Deductible rewards
• Milewise pay-per-mile insurance
• Allstate Rewards program
• Drivewise program
• Business use coverage

Discounts:

• Good driver discount
• Defensive driving discount
• Vehicle equipment discount
• Military discount
• Emergency deployment discount
• Federal employee discount
• Membership and employee discount
• Multi-car discount
• Multi-policy discount
• Homeowner’s discount
• Good student discount
• Federal employee discount
• Emergency deployment discount
• Daytime running lights discount
• New vehicle discount
• Driver’s education discount
• Seat belt use discount
• Anti-theft system discount
• Green vehicle discount
• Alternative fuel vehicle discount
• Airbag discount

Nationwide Insurance

In 1926, Nationwide began offering various insurance options, including auto, home, and life insurance. Nationwide’s personalized service is a critical differentiator from other auto insurance providers.

The company’s extensive network of local agents remains dedicated to providing customized support and guidance to policyholders, which can be a valuable resource for drivers with questions or concerns about their coverage. This personal touch can help you feel more confident and secure in your insurance decisions.

In addition to its commitment to personalized service, the company offers various coverage options and discounts.

Pros: Local agents, financial strength, personalized service

Cons: Mobile app isn’t user-friendly, limited online tools

Ratings:

• JD Power score: 843/1,000
• AM Best score: A+

Coverage Options:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental reimbursement
• Gap insurance
• Towing and labor coverage
• Accident forgiveness
• Vanishing deductible
• Diminishing deductible
• Total loss deductible waiver
• New car replacement
• Original equipment manufacturer (OEM) coverage
• Personal umbrella policy
• Pet injury coverage
• Rideshare insurance
• Business use coverage

Discounts:

• Multi-policy discount
• Safe driver discount
• Accident-free discount
• Vanishing deductible
• Defensive driving discount
• Good student discount
• Anti-theft discount
• Easy pay sign-up discount
• Paperless documents discount
• Family plan discount
• Farm bureau discount
• Affinity car insurance discount
• Nationwide family plan
• Multi-car discount
• Homeowner’s discount
• Life insurance discount
• Accident forgiveness discount
• Loyalty discount
• SmartRide discount
• Full pay discount

Farmers

Farmers Auto Insurance, established in 1928, focused on providing quality insurance coverage to rural farmers. Over the years, the company has expanded its offerings to include a wide range of insurance products, including auto insurance.

Another valuable aspect of Farmers is its commitment to providing personalized service to policyholders. The company has a network of local agents available to provide one-on-one support and guidance. This personal touch can help you understand your coverage options and choose the right policies.

Pros: Local agents, lots of coverage options, telematics technology

Cons: Limited online tools, limited coverage for high-risk drivers

Ratings:

• JD Power score: 853/1,000
• AM Best score: A

Coverage Options:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Personal injury protection (PIP)
• Medical payments coverage
• Uninsured/underinsured motorist coverage
• Roadside assistance
• Rental reimbursement
• Loss of use coverage
• New car replacement
• Original equipment manufacturer (OEM) coverage
• Towing and labor coverage
• Customized equipment coverage
• Glass repair and replacement coverage
• Personal umbrella policy
• Pet insurance
• Rideshare insurance
• Business use coverage
• Flood insurance (for vehicles parked in Arizona flood zones)

Discounts:

• Multi-car discount
• Homeowner’s discount
• Good student discount
• Distant student discount
• Mature driver discount
• Safe driver discount
• Signal app discount
• Early shopping discount
• Multi-policy discount
• Business/professional group discount
• Electronic funds transfer (EFT) discount
• Pay in full discount
• Paperless discount
• Teen driver discount
• Alternative fuel discount
• Occupational group discount
• Affinity group discount
• Military discount
• Non-smoker discount
• Anti-theft discount

The Average Car Insurance Cost in Arizona

How much you pay for auto insurance in Arizona will vary depending on several factors, such as your age, driving record, vehicle, and the type of coverage you select.

On average, you’ll pay $2,228 annually, about $186 per month.

How to Find the Best Car Insurance Companies in Arizona

If you want to find the best auto insurer in Arizona, follow these tips. Doing so will make it easier to narrow your search and find the insurance company that offers a mix of what you want and need.

• Do your research: Look up different car insurance companies in Arizona and compare their rates, coverage options, and customer reviews.
• Check JD Power scores: JD Power is a respected source for customer satisfaction ratings for car insurance companies. Look for companies with high JD Power scores.
• Check AM Best ratings: AM Best rates insurance companies based on their financial strength and ability to pay claims. Look for companies with high AM Best ratings.
• Ask about discounts: Many car insurance companies offer discounts for things like maintaining a good driving record, bundling policies, and having essential safety features on your vehicle. The more discounts you can secure, the lower your premium will be.
• Consider customer service: Look for companies with solid ratings and reviews that mention they’re easy to work with.
• Compare quotes: Get quotes from multiple car insurance companies to compare rates and coverage options.
• Check for online tools: Look for companies that offer online tools and apps to help you easily manage your policy and file claims.

What You Need to Know About Arizona Auto Insurance Coverage

Here are a few key things you need to know about auto insurance coverage in Arizona.

State Minimum Insurance Requirements

Arizona law requires all drivers to carry liability insurance with minimum limits of:

• $15,000 per accident for bodily injury or death of one person
• $30,000 per accident for bodily injury or death of two or more people
• $10,000 per accidentfor property damage

Drivers found driving without insurance may face fines, license suspension, and even vehicle impoundment.

High Rate of Uninsured Drivers

According to the Insurance Information Institute, as of 2019, nearly 12% of Arizona drivers were uninsured. If you’re in an accident with an uninsured driver, you may be responsible for covering your medical expenses and property damage, even if the accident wasn’t your fault.

To protect yourself, consider purchasing uninsured motorist coverage, which can help cover medical expenses related to an accident with someone without insurance.

AZ MVD

Your insurer will notify the Arizona Motor Vehicle Department (AZ MVD) of a new policy, cancellation, or nonrenewal. The MVD will then reach out to you to verify your insurance status. If you don’t meet state minimum requirements, the state can suspend your vehicle registration and driver’s license.

FAQs About the Best Car Insurance in Arizona

What is the minimum liability coverage required for car insurance in Arizona?

The minimum liability coverage required for car insurance in Arizona is $15,000 for bodily injury per person, $30,000 for bodily injury per accident, and $10,000 for property damage.

What factors can affect my car insurance rates in Arizona?

Factors affecting car insurance rates in Arizona include your age, driving record, type of vehicle, address, and credit score.

Can I get discounts on my car insurance in Arizona?

Yes. Many insurance companies offer discounts for maintaining a safe driving record, having multiple vehicles on your policy, having an anti-theft device on your car, and bundling policies.

How can I find the best car insurance rates in Arizona?

You can find Arizona’s best car insurance rates by shopping around and comparing quotes from different insurance companies.

Can I cancel my car insurance policy in Arizona at any time?

Yes, you can cancel your car insurance policy in Arizona anytime. However, you may be subject to fees or penalties depending on the terms of your policy.

Angela Williams Auto Insurance Writer

Angela brings her corporate background in the insurance space to Compare.com as an auto insurance writer. She is skilled in writing about car insurance, along with other insurance products. Angela graduated with honors with her Master’s of Business Administration. When she’s not writing you can find her somewhere near the water.