Best Car Insurance In Arizona For 2025

In Arizona, State Farm is the best insurance provider for comprehensive car insurance.

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Written by Bob Phillips
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From minimum coverage to comprehensive policies for new vehicles, or specialized plans for families and seniors, we’ve identified the top car insurance companies in Arizona. State Farm is the top pick overall, known for reasonable rates, comprehensive options, and outstanding customer service.

GEICO shines in minimum coverage, offering budget-friendly plans and simple management. Travelers is best for full coverage, with generous protection and accident forgiveness. With 15 years of experience, this guide will steer you toward solid coverage and smart choices.

Best Car Insurance Companies In Arizona, 2025

Best Car Insurance, Arizona, 2025

Compare The Best Car Insurance In Arizona

Overall Rating Best For A.M Best Rating J.D Power Rating Local Sales Agent Presence Get A Quote
State Farm
4.9

Overall

A++

826

Yes

Instant Quote
Amica
4.8

Young Adults

A+

Not Rated

Yes

Instant Quote
Wawanesa
4.9

Budget Option

A+

843

Yes

Instant Quote
Chubb
4.7

New Cars

A++

Not Rated

Yes

Instant Quote
Allstate
4.7

Seniors

A++

816

Yes

Instant Quote
AAA
4.8

Driving Violations

A-

832

Yes

Instant Quote
GEICO
4.8

Minimum Coverage

A++

830

No

Instant Quote
Travelers
4.5

Full Coverage

A++

Not Rated

Yes

Instant Quote
Farmers
4.5

Families With Teens

A

813

Yes

Instant Quote
State Farm
4.9

Customer Service

A++

826

Yes

Instant Quote
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Best Car Insurance Companies In Arizona 2025


Best Overall

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

State Farm leads the way in car insurance across Arizona, offering a blend of affordable premiums and extensive coverage that appeals to a wide range of drivers. With discounts for safe driving, multiple vehicles, and safety equipment, they provide both value and protection. Their high customer satisfaction scores show their commitment to great service, while local agents ensure personalized support for claims and questions, fostering loyalty and trust.

Benefits & Drawbacks

Benefits
  • Competitive costs
  • Diverse selection of coverage plans
  • Exceptional service for customers
Drawbacks
  • This isn't the most budget-friendly alternative.
  • Minimal digital instruments
  • Rates go higher once claims are made.

Best For Minimum Coverage

Overall Rating
4.8

Key Statistics

8/10 Affordability
8/10 Customer Reviews
9/10 Claims
9/10 Coverage Level

Why We Like Them

GEICO is the go-to choice for Arizona drivers needing minimum coverage, thanks to its budget-friendly pricing and streamlined customer experience. Their competitive rates make them a top pick for meeting state insurance requirements at minimal cost. With a user-friendly website and mobile app, GEICO ensures customers can easily manage their policies and claims, offering reliability and convenience.

Benefits & Drawbacks

Benefits
  • Economical insurance costs
  • Productive web-based offerings
  • Speedy claim processing
Drawbacks
  • Fundamental coverage plans
  • Unengaging client service
  • There are no agents in the vicinity.

Best For Full Coverage

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Travelers is a top choice for full coverage car insurance in Arizona, offering policies that extend beyond basic liability to include collision, theft, and disaster protection. Their standout features, such as accident forgiveness and gap coverage, make them especially suited for a state where car values and repair costs are high. Paired with financial reliability and strong customer service, Travelers delivers comprehensive peace of mind for drivers.

Benefits & Drawbacks

Benefits
  • Diverse insurance coverage selections
  • Accident forgiveness is an option.
  • Upgrade to a new automobile
Drawbacks
  • More expensive premiums
  • Sophisticated policy decisions
  • Reduced speed in handling claims

Best For New Cars

Overall Rating
4.7

Key Statistics

7/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Chubb is regarded as the best insurance option for new car owners in Arizona, thanks to its specialized coverage and services for high-value vehicles. Their agreed value policy ensures that policyholders receive the full insured amount in a total loss situation, bypassing depreciation concerns. High rental car reimbursement limits, key replacement coverage, and access to premium repair shops further enhance their offering. Chubb’s reputation for outstanding service and seamless claims handling makes it a trusted choice for protecting new cars.

Benefits & Drawbacks

Benefits
  • Policy that agrees on coverage value
  • Excellent claims support
  • Top-tier policy elements
Drawbacks
  • Top-tier pricing
  • There might be an excess of coverage.
  • Decreased availability of discounts

Best For Seniors

Overall Rating
4.7

Key Statistics

8/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Allstate earns its place as the best car insurance company for seniors in Arizona with features that prioritize safety, affordability, and convenience. From senior discounts to accident forgiveness and new car replacement, their offerings provide robust protection. Allstate’s focus on safe driving rewards, low-mileage incentives, and user-friendly tools ensures a seamless experience for senior drivers.

Benefits & Drawbacks

Benefits
  • Specialized discounts for senior citizens
  • We offer accident leniency
  • Thorough mobile software
Drawbacks
  • Upgraded insurance charges
  • Varying degrees of customer support quality
  • Policy alternatives may present challenges due to their complexity.

Best For Driving Violations

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

Arizona drivers with infractions can benefit greatly from AAA’s insurance offerings, which focus on forgiveness and improvement. Their accident forgiveness program shields drivers from rate increases after the first at-fault accident, while discounts for defensive driving courses reward efforts to adopt safer driving practices.

Benefits & Drawbacks

Benefits
  • Leniency for initial incident
  • Price Cuts for Safe Driving Habits
  • Specialized policies designed for high-risk drivers
Drawbacks
  • More stringent fees for offenses
  • Few options for coverage
  • Access restricted to members.

Best For Families With Teens

Overall Rating
4.5

Key Statistics

7/10 Affordability
7/10 Customer Reviews
8/10 Claims
8/10 Coverage Level

Why We Like Them

Farmers Insurance is a top choice for families with teens in Arizona, providing specialized options that focus on affordability and safety. Programs like good student discounts and safe driver incentives ensure that both costs and risks are manageable.

Benefits & Drawbacks

Benefits
  • Savings for high-achieving students
  • Flexible insurance plans
  • Study aids for young adults
Drawbacks
  • Potential rise in insurance fees
  • Varied service experiences for customers
  • Sophisticated policy arrangements

Best For Customer Service

Overall Rating
4.9

Key Statistics

8/10 Affordability
10/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

State Farm stands out in Arizona for its customer service, delivering personalized support through a network of knowledgeable agents. Their seamless claims process and commitment to client satisfaction make them a trusted name in the industry.

Benefits & Drawbacks

Benefits
  • Cost-effective pricing
  • Diverse coverage alternatives
  • Superb customer assistance
Drawbacks
  • Far from being the least expensive.
  • Minimal digital instruments
  • Rates escalate after filing claims.

Best For Young Adults

Overall Rating
4.8

Key Statistics

8/10 Affordability
9/10 Customer Reviews
8/10 Claims
9/10 Coverage Level

Why We Like Them

For young adults in Arizona, Amica provides car insurance that combines affordability with excellent customer service. Their competitive rates and discounts for students and safe drivers help reduce costs while ensuring quality coverage.

Benefits & Drawbacks

Benefits
  • Budget-friendly options designed for young adults.
  • Outstanding service to customers
  • Speedy claims processing
Drawbacks
  • Restricted number of actual locations
  • Not as many high-risk insurance plans available.
  • There are no discounts tied to how much you use.

Best For Budget Option

Overall Rating
4.9

Key Statistics

10/10 Affordability
9/10 Customer Reviews
9/10 Claims
8/10 Coverage Level

Why We Like Them

Wawanesa is highly regarded as the best budget car insurance provider in Arizona. Offering affordable rates and exceptional customer service, it’s a great option for those looking to save money without sacrificing quality.

Benefits & Drawbacks

Benefits
  • Exceptionally low prices
  • Excellent customer happiness
  • Clear and simple claims handling
Drawbacks
  • Limited selection of coverage
  • Not as many discounts are on offer.
  • Constraints influenced by location

How To Find The Best Car Insurance In Arizona

Finding the best car insurance starts with understanding your specific needs and meeting state requirements. Begin by confirming the minimum liability coverage mandated in your state and deciding if that level is sufficient for your situation. If you’ve financed or leased your vehicle, you may need extra coverage such as collision or comprehensive insurance to satisfy your lender.

Consider things like how much you drive, the car’s worth, and your level of risk tolerance when selecting coverage. In areas with high uninsured driver rates, additional protections like uninsured motorist or personal injury insurance might be worth considering. Comparing rates from different insurers can help you get comprehensive coverage without overspending.

Average Cost Of Car Insurance In Arizona

According to Quadrant Information Services, Arizonians pay around $230 each month or $2,768 yearly for comprehensive car insurance. Nationally, the average cost of car insurance is $205 monthly or $2,460 annually.

Company Average Annual Premium
Nationwide $1,728
Progressive $1,905
Allstate $2,217
Geico $1,314
Travelers $1,492

Average Car Insurance Rates In Arizona- By City

City Average Annual Premium
Bullhead City $1,476
Hackberry $1,478
Sierra Vista Southeast $1,479
Lake Havasu City $1,388
New Kingman-Butler $1,432
Paradise Valley $2,015
Tempe $2,002
New River $1,987
Phoenix $2,255
Glendale $2,210

Average Car Insurance Rates In Arizona- By Age

Age Average Monthly Rate Average Annual Rate
16
$515
$6,176
$653
$7,828
20
$504
$6,048
25
$297
$3,566
$256
$3,068
40
$234
$2,803
$217
$2,597
60
$210
$2,522
70
$230
$2,751

Minimum Car Insurance Requirements In Arizona

To drive legally in Arizona, you must have at least $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 in property damage liability. This coverage is designed to provide basic protection for accident-related costs.

How To Buy Car Insurance In Arizona

Learn these five steps to acquire the best car insurance in Arizona that suits you.

Assess Your Coverage Needs

Begin by determining the coverage you need, factoring in your vehicle’s worth, driving routine, and financial standing. Think about whether to stick with minimum liability or add collision and comprehensive insurance.

1

Research Potential Insurers

Check out various Arizona auto insurers to see how they handle customer service, claims, and financial stability. Use online reviews, ratings from independent organizations like J.D. Power, and feedback from current and former policyholders to evaluate each insurer’s dependability.

2

Gather Necessary Information

Prior to requesting quotes, gather essential information such as your driver’s license number, vehicle registration details, driving history, and any relevant documents that could impact the cost. This preparation will expedite the quoting process and ensure accurate price estimates.

3

Compare Quotes

Compare quotes from different insurers on Insuranceopedia to find the best value for your insurance needs.

4

Purchase the Policy

Once you’ve picked the insurer with the best coverage for the best price, go ahead and purchase the policy. Many insurers now offer online or phone options for convenience, allowing you to get coverage quickly. After buying, remember to print your insurance cards and any other documents you might need.

5

Our Methodology

To provide precise and trustworthy insurance company ratings, we employ a rigorous methodology. We assess numerous insurers, utilizing insights from several reputable review sites. Crucial metrics from industry leaders such as A.M. Best and J.D. Power also inform our evaluations. With 15 years of experience as an insurance agent, including five in Arizona, I contribute firsthand knowledge to enrich our analysis. This meticulous approach, incorporating data from credible review sources, ensures our ratings are reliable and empower you to make well-informed insurance decisions.

324

Quotes Assessed

40+

Hours Of Research

15

Years Of Industry Experience

31

Brands Reviewed

FAQs

Who is the most trusted car insurance company?

According to our investigation, State Farm and Wawanesa are regarded as the most dependable car insurers in Arizona.

How much car insurance do I need?

Determining your car insurance needs depends on factors such as Arizona’s minimum requirements, the value of your vehicle, and your financial situation. It’s essential to assess liability, collision, and comprehensive coverage for adequate protection.

Why is car insurance so expensive?

Car insurance expenses can soar due to factors like the level of coverage you select, your driving record, the make of your car, your location, and external factors such as inflation and rising repair costs.

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