Auto-Owners, Travelers, Geico and Nationwide are Arizona’s best car insurance companies in 2024. This evaluation is based on a comprehensive analysis of the insurers’ annual car insurance rates, financial strength ratings and customer satisfaction scores.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Arizona with confidence to choose the best car insurance company.
Our takeAuto-Owners stands out as the best overall car insurance company in Arizona. With a strong financial rating (A++ from AM Best) and competitive rates, it offers an excellent balance of affordability and comprehensive coverage.
Auto-Owners’s average annual car insurance cost is $1,539. Additionally, It received a J.D. Power score of 808/1,000 and an overall rating of 3.92 out of 5, the highest among the companies surveyed.
It is worth noting that Geico has the lowest average car insurance premiums in our survey, at $1,312 a year.
Check out our experts recommendations for the best car insurance coverage
What are the best car insurance companies in Arizona?
When it comes to finding the right car insurance, Arizona drivers have many top-rated companies to choose from. Whether you’re looking for the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that meets your needs.
Here’s a breakdown of the best auto insurance companies in Arizona by category.
| Category | Company |
|---|---|
| Best overall | Auto-Owners |
| Most affordable | Geico |
| Highest customer satisfaction | Farmers |
| Best for teen | Auto-Owners |
| Best for young adults | Auto-Owners |
| Best for adults | Auto-Owners |
| Best for seniors | Auto-Owners |
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Compare the best auto insurance companies in Arizona
Choosing the right car insurance in Arizona can feel overwhelming, with so many companies offering different coverage at varying rates. To help, we’ve taken a closer look at the top insurers in Arizona.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $1,539 | A++ | 808 | 0.50 | 3.92 |
| Travelers | $1,489 | A++ | 804 | 0.49 | 3.64 |
| Geico | $1,312 | A++ | 801 | 0.91 | 3.46 |
| Nationwide | $1,726 | A+ | 808 | 0.64 | 3.14 |
| Progressive | $1,903 | A+ | 828 | 0.65 | 2.98 |
| State Farm | $2,233 | A++ | 783 | 0.70 | 2.89 |
| Allstate | $2,215 | A+ | 795 | 0.65 | 2.73 |
| Farmers | $2,331 | A | 835 | 0.80 | 2.42 |
Best car insurance companies by age group in Arizona
As you age, your driving habits and insurance needs change, influencing your car insurance rates and the type of coverage you require. The best insurer for a teen is likely not the best choice for a senior, as each age group has unique needs and priorities when it comes to auto insurance.
Teenagers, viewed as high-risk due to their inexperience, often benefit from policies with extensive coverage options, digital tools and discounts for good grades and safe driving habits. Seniors, on the other hand, might prioritize higher liability limits and prefer personalized customer service.
Additionally, while teen drivers’ insurance needs change rapidly as they gain experience, seniors typically focus on maintaining comprehensive coverage as they age. Thus, the best insurer for one may not meet the unique requirements of the other.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Arizona
Teen drivers typically face higher insurance premiums due to their higher risk and lack of driving experience. It’s important to find insurance companies that offer competitive insurance rates and provide benefits for teen drivers, such as good student discounts, driver training discounts and accident forgiveness.
Known for its lower-than-average rates for teen drivers, Auto-Owners is a great option for teenagers looking to save on premiums at $4,384 a year.
When determining the best car insurance companies for teen drivers, several key factors were considered to ensure a comprehensive evaluation. The overall score for each company is derived from a weighted analysis of four main factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is assigned a specific percentage weight based on how they performed in each category.
Here are some top choices for teens aged 16-19 based on our analysis:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $4,384 | A++ | 808 | 0.5 | 4.03 |
| Travelers | $4,793 | A++ | 804 | 0.49 | 3.67 |
| Geico | $3,381 | A++ | 801 | 0.91 | 3.46 |
| State Farm | $6,656 | A++ | 783 | 0.7 | 3.4 |
| Nationwide | $6,595 | A+ | 808 | 0.64 | 3.22 |
| Allstate | $7,462 | A+ | 795 | 0.65 | 3.15 |
| Progressive | $9,119 | A+ | 828 | 0.65 | 3 |
| Farmers | $10,109 | A | 835 | 0.8 | 2.72 |
| CSAA Insurance (AAA) | $13,572 | A | 816 | 0.75 | 1.49 |
Best for young adults in Arizona
Finding the right insurance is important for young drivers, who typically face higher insurance premiums due to their perceived risk.
Companies like Auto-Owners and Travelers offer competitive rates that are more affordable for younger drivers aged 20-24.
To determine the best car insurance companies for young adults in 2024, we analyzed four key factors: average annual full coverage cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor was given a specific percentage weight to calculate the overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $2,621 | A++ | 808 | 0.50 | 3.98 |
| Travelers | $2,324 | A++ | 804 | 0.49 | 3.71 |
| Geico | $1,816 | A++ | 801 | 0.91 | 3.46 |
| State Farm | $3,710 | A++ | 783 | 0.70 | 3.38 |
| Nationwide | $3,062 | A+ | 808 | 0.64 | 3.29 |
| Allstate | $3,143 | A+ | 795 | 0.65 | 3.29 |
| Progressive | $3,163 | A+ | 828 | 0.65 | 3.28 |
| Farmers | $4,062 | A | 835 | 0.80 | 2.94 |
| CSAA Insurance (AAA) | $7,339 | A | 816 | 0.75 | 1.49 |
Best for adult drivers in Arizona
When choosing car insurance, different age groups often have varying needs and priorities. For adults and experienced drivers aged 25 to 60, factors such as coverage options, customer service and premium costs play significant roles in selecting the right insurer.
Auto-Owners is the best car insurance company in Arizona for adult drivers. It offers full coverage insurance at an average cost of $1,579 a year and has an overall rating of 3.86, higher among the companies analyzed.
We have considered four different factors to curate a list of the best car insurance companies for adult drivers. These factors consist of average annual full coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are usually seen as less risky than younger drivers because of their experience behind the wheel. This often results in lower insurance premiums for drivers aged 25-60.
The table below shows the list of the best car insurance companies for Arizona drivers aged 25-60 and their annual insurance rates.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $1,579 | A++ | 808 | 0.50 | 3.86 |
| Travelers | $1,522 | A++ | 804 | 0.49 | 3.59 |
| Geico | $1,306 | A++ | 801 | 0.91 | 3.46 |
| Nationwide | $1,716 | A+ | 808 | 0.64 | 3.11 |
| Progressive | $1,888 | A+ | 828 | 0.65 | 2.95 |
| State Farm | $2,242 | A++ | 783 | 0.70 | 2.80 |
| Allstate | $2,190 | A+ | 795 | 0.65 | 2.68 |
| Farmers | $2,237 | A | 835 | 0.80 | 2.43 |
Best for senior drivers in Arizona
Auto-Owners provides the most affordable car insurance for senior drivers with premiums as low as $1,647 per year.
Finding the best car insurance companies for senior drivers requires a detailed analysis of various important factors. The overall score for each insurer is based on a weighted analysis of four different factors: the average annual full-coverage car insurance cost (25%), J.D. Power score (30%), AM Best rating (25%), and NAIC rating (20%). The percentage weight assigned to each factor corresponds to its importance in determining an insurance provider’s financial strength, affordability, customer experience and complaint ratio.
Below are the best auto insurance companies in Arizona for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Auto-Owners | $137 | A++ | 808 | 0.50 | 3.96 |
| Travelers | $128 | A++ | 804 | 0.49 | 3.69 |
| Geico | $107 | A++ | 801 | 0.91 | 3.46 |
| Nationwide | $135 | A+ | 808 | 0.64 | 3.35 |
| State Farm | $183 | A++ | 783 | 0.70 | 3.31 |
| Progressive | $162 | A+ | 828 | 0.65 | 3.22 |
| Allstate | $202 | A+ | 795 | 0.65 | 3.03 |
| Farmers | $200 | A | 835 | 0.80 | 2.84 |
| CSAA Insurance (AAA) | $285 | A | 816 | 0.75 | 1.49 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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Selecting the right insurance company is heavily influenced by your driver profile. Here’s how to choose the best insurer to meet your specific needs:
For budget-conscious drivers in Arizona
Look for car insurance companies that offer discounts, including safe driver, multi-policy and automatic payment discounts, to reduce your premiums. And you can opt to pay your premiums monthly, semi-annually or annually.
Find the best insurance companies and their annual rates for different coverage levels listed below in Arizona.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Geico | $369 | $538 | $1,312 |
| Travelers | $480 | $649 | $1,489 |
| Auto-Owners | $374 | $520 | $1,539 |
| Nationwide | $662 | $805 | $1,726 |
| Progressive | $639 | $866 | $1,903 |
| Allstate | $566 | $940 | $2,215 |
| State Farm | $613 | $850 | $2,233 |
| Farmers | $669 | $1,210 | $2,331 |
| USAA | $275 | $507 | $1,581 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 25/50/15.
For high-risk drivers in Arizona
High-risk drivers, such as those with multiple traffic violations or DUIs, should seek insurers specializing in high-risk policies. Work on improving your driving record. Attend defensive driving courses or consider driving a safer, less risky vehicle. These changes can help lower your rates over time.
High-risk status isn’t forever. Work toward earning a clean driving record, improving your risk profile and comparing insurance quotes to find better rates.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Travelers | $1,093 | $2,186 |
| Geico | $1,132 | $2,264 |
| Auto-Owners | $1,284 | $2,568 |
| Nationwide | $1,318 | $2,636 |
| Progressive | $1,422 | $2,843 |
| Allstate | $1,672 | $3,343 |
| Farmers | $1,787 | $3,573 |
| State Farm | $1,861 | $3,721 |
| USAA | $1,281 | $2,561 |
By understanding their unique driver profiles and conducting thorough research, high-risk drivers can find insurance companies that best meet their needs.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Arizona?
In Arizona, the average yearly cost of car insurance is $1,812. The cost can differ based on factors like the driver’s age, driving history and coverage limits.
How much car insurance coverage do I need in Arizona?
When evaluating your car insurance requirements in Arizona, it’s important to know the state’s minimum required coverage. Typically, it includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $15,000 for property damage liability.
If you have valuable assets to protect, it’s advisable to exceed Arizona’s minimum car insurance requirements and choose higher liability limits. CarInsurance.com editors recommend opting for full coverage car insurance with limits of 100/300/100 and a $500 deductible for collision and comprehensive coverage.
Here’s what it means:
- $100,000 in bodily injury liability per person. This coverage pays for injuries that you, as the policyholder, cause to one person in an accident.
- $300,000 in bodily injury liability per accident: This is the total amount your insurance will cover for bodily injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident: This covers damage you cause to another person’s property in an accident.
These higher limits are recommended because they offer greater financial protection. Additionally, consider your driving habits, vehicle value and financial situation when choosing the coverage limit.
Which company has the best car insurance rates in Arizona?
According to CarInsurance.com’s analysis, Geico provides the most affordable car insurance for Arizona drivers at $109 per month or $1,312 annually.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Arizona drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/15.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
Ask the Insurance Expert
John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
Ask the Insurance Expert
Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
Ask the Insurance Expert
Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Arizona