This contentedness is powered by, a accredited policy producer ( NPN : 8781838 ) and a bodied affiliate of LLC services are only available in states were it is licensed and insurance coverage through may not be available in all states. All policy products are governed by the terms in the applicable policy policy, and all relate decisions ( such as approval for coverage, premiums, commissions and fees ) and policy obligations are the sole responsibility of the underwrite insurance company. The information on this site does not modify any indemnity policy terms in any direction. is an freelancer, advertising-supported publisher and comparison military service. We are compensated in exchange for placement of sponsor products and, services, or by you clicking on certain links posted on our site. consequently, this compensation may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietary web site rules and whether a product is offered in your area or at your self-selected credit score range can besides impact how and where products appear on this web site. While we strive to provide a wide range offers, Bankrate does not include data about every fiscal or credit product or service. We ’ ra diaphanous about how we are able to bring timbre capacity, competitive rates, and utilitarian tools to you by explaining how we make money. Bankrate follows a nonindulgent editorial policy, so you can trust that our subject is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the correct fiscal decisions. The capacity created by our editorial staff is objective, actual, and not influenced by our advertisers.

You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make bright personal finance decisions. We follow rigorous guidelines to ensure that our editorial message is not influenced by advertisers. Our editorial team receives no address compensation from advertisers, and our message is thoroughly fact-checked to ensure accuracy. therefore, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable data. We value your hope. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in rate to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ re read is accurate. We maintain a firewall between our advertisers and our column team. Our editorial team does not receive steer compensation from our advertisers. Bankrate follows a stern column policy, so you can trust that we ’ ra putting your interests inaugural. Our award-winning editors and reporters create honest and accurate content to help you make the correctly fiscal decisions. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel convinced about which provider is right for you. Bankrate follows a rigid column policy, so you can trust that we ’ ra putting your interests beginning. All of our capacity is authored by highly certified professionals and reviewed by subject topic experts, who ensure everything we publish is objective, accurate and desirable of your faith. Founded in 1976, Bankrate has a hanker track record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making work and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. hera ‘s an explanation for how we make money. This message is powered by ( NPN : 8781838 ). For more information, please see our Insurance disclosure. From the rock ‘n’ roll buttes of Monument Valley to the lavish forests of the Salt and Verde River basins, Arizona has some of the most outstanding landscapes in the country. In 2020 entirely, Arizona saw 98,778 fomite accidents, which resulted in about 30 % of those crashes injuring person, according to the Arizona Department of Transportation. Finding the best car indemnity in Arizona could help to protect drivers from the fiscal ramifications of causing an accident. Bankrate ’ s indemnity editorial team partnered with Quadrant Information Services to gather and analyze recent premium information for car indemnity companies in Arizona. If you are looking for the best car insurance in Arizona, we found Geico, State Farm, American Family, Allstate and The Hartford offered competitive rates and strong scores from third-party agencies for customer satisfaction. These factors were used to determine a Bankrate Score, which reflects the companies ’ score out of a possible 5.0 .

Best car insurance companies in Arizona

Geico and State Farmed topped the charts in terms of their Bankrate score when we reviewed the best car policy companies in Arizona. To determine Scores, Bankrate ’ s column team assessed providers by market share, average premiums, available coverage options and deduction offerings, arsenic well as third-party customer satisfaction scores from J.D. Power, charge index scores from the National Association of Insurance Commissioners ( NAIC ) and fiscal strength ratings from AM Best and Standard & Poor ’ randomness ( S & P ). After analyzing the data, we found that the following five companies are among the best in Arizona. When searching for cable car indemnity, Arizona drivers may want to get quotes from these companies :


Geico ’ mho high Bankrate Score reflects its broken prices and high customer atonement. Geico offers the lowest average full coverage agio in Arizona, according to Bankrate inquiry. In summation to its low average rates, Geico offers a horde of discounts to help you save even more. You might qualify for a discount rate if you are a condom driver, a federal employee, a military serve member or if you have certain condom features on your fomite. however, Geico doesn ’ deoxythymidine monophosphate offer break indemnity, so if you ’ rhenium looking for that coverage option, you may want to look elsewhere. Learn more: Geico Insurance review

State Farm

State Farm tied with Geico for the highest Bankrate Score and received a higher J.D. Power score than Geico. As the largest personal car insurance company in the U.S., State Farm commands more than 16 % of grocery store plowshare. With local agents to assist you when you need a helping hand, State Farm may be a dependable choice for Arizona drivers who prefer to do business face-to-face. The company ’ mho safe drive programs, Steer Clear for teens and Drive Safe & Save for adults, could help you save. however, keep in judgment that the company offers few options for customization. Learn more: State Farm Insurance review

American Family

American Family car insurance received the highest official ranking in the J.D. Power cogitation, indicating that its customers are highly satisfy with its customer serve. In addition to car indemnity, American Family offers family, renters, condominium, farm and ranch, business, boat and RV insurance, among other product lines. If you are looking for an range of coverage options, American Family may be a dependable option. however, the company has the second-highest average premium on our list, so it may not be the proper option for budget-conscious shoppers. Learn more: american Family Insurance follow-up


If you like to handle your clientele in person rather than online, Allstate may be a good option for you. The company has numerous agents across Arizona. Since Allstate ’ s agents live and work in the Grand Canyon State, these local agents may be more in tune with the needs of Arizona drivers. Allstate offers several unique options that might allow you to tailor your policy to your needs. optional coverage types include sound equipment coverage and ridesharing coverage. Although its modal wide coverage agio is higher than the express ’ randomness average fully coverage premium, Allstate besides offers numerous discounts that might help you lower the cost of your insurance, including dependable drive discounts, adolescent driver discounts and respective payment-type discounts. Learn more: Allstate Insurance review

The Hartford

If you are a member of AARP, getting an car policy quote from The Hartford might be a good mind. The party offers single rates and discounts to AARP members. however, to qualify for Hartford ’ south AARP policy program, policyholders must be age 50 or older, therefore younger drivers may want to consider options well suited to them. The Hartford offers standard private passenger policy policies along with insurance options for your classic car and RV. Learn more: The Hartford Insurance reviewLooking to save money on auto insurance?

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Average cost of car insurance in Arizona

The average price of car indemnity in Arizona is $ 1,547 per year for wide coverage and $ 555 per year for minimum coverage. Arizona drivers pay less than the modal monetary value of cable car policy nationally, which is $ 1,674 per year for full coverage car policy. The cost of minimal coverage indemnity in Arizona is in argumentation with the national average annual price of $ 565. however, your cost will vary from these averages based on your geographic location, local car larceny, and vandalism rate, the number of accidents in your area and your driving history, among other denounce factors .

Average annual premium for minimum coverage in Arizona Average annual premium for full coverage in Arizona
$555 $1,547

How to find the best car insurance in Arizona

Each car insurance company offers unlike rates depending on more than a twelve factors including your driving history, geographic localization, old age, occupation and the type of vehicle you drive, according to the Insurance Information Institute. If you want to get the best car policy, you may want to consider taking the follow steps .

Consider minimum insurance requirements in Arizona

Most states require you to purchase certain insurance coverage before you can register your vehicle, and Arizona car policy laws are no different. You must carry at least a department of state ’ mho required minimum limits of coverage to drive legally. According to the Arizona Department of Insurance, you must carry at least the minimum want amounts of bodily injury liability and place damage liability. Although buying alone minimum liability may keep your premiums low, you could be facing fiscal stress if you cause an accident. If the damages in that accident exceed your indemnity limits, you will be responsible for the excess out of pocket. Most policy experts recommend that you purchase higher liability limits if you are able to .

Consider lender requirements

minimal coverage does not provide any physical damage coverage for your fomite. If you want policy coverage for damages to your cable car, you will need full coverage, which includes optional comprehensive and collision insurance. If you have a loanword or lease on your vehicle, your fiscal institution likely requires you to have entire coverage. You might besides want to purchase break policy, which is designed to pay the difference between the cash prize of your new vehicle and your loanword or rent amount if the vehicle is totaled or stolen .

Consider your individual needs

To find the best car policy for your needs, identify which coverage options, add-ons and discounts are most appealing to you. Because there are differences between each car insurance company, knowing what factors matter most to you might help you find a party that fits your needs. If you are considered a bad driver, for model, you may need to look for companies that offer high risk car insurance. Or if you have a adolescent driver on your policy, you might want to seek out a company that offers competitive discounts with car insurance for adolescent drivers .

Car insurance discounts in Arizona

Wondering how to lower your cable car indemnity ? If budget is a chief concern in your car policy search, you may benefit from finding the best car insurance discounts in your area. Most major insurance companies in the Grand Canyon State crack discounts to help drivers save money. Some common types of discounts in Arizona are :

  • Young driver discounts: Taking advantage of discounts is one of the best ways to get cheap car insurance for teens. Several young adult discounts are available, including good student discounts, distant student discounts and driver training programs.
  • Safe driver discounts: If you are a safe driver, you might save for not having any accidents or tickets in the past three to five years. Additionally, many companies offer usage-based discounts, which usually involve letting a mobile app or plug-in device track your driving habits. These programs typically reward you with a discount based on how safe your driving patterns are, as well as how much you drive annually.
  • Other discounts: If you own a home, rent an apartment or live in a condo you may have another insurance policy in addition to your auto insurance. If you have multiple policies with the same company — often called bundling — you could usually qualify for a discount. The benefits of bundling your home and auto insurance are significant. Depending on your auto insurance company, you may qualify for a discount if you elect to receive your policy or billing documents via email or a customer portal rather than by U.S. mail.

Every company offers a different set of discounts. You can much review available discounts online, but talking to a company representative or indemnity agentive role might be the best room to identify your savings opportunities .

Frequently asked questions

What is the cheapest car insurance in Arizona?

Arizona indemnity rates are based on more than a twelve factors, including your age, credit history, make and model of the cover vehicle, driving history and occupation. To find the cheapest car indemnity in Arizona for the best coverage, it may be helpful to get quotes from a assortment of car insurers. This might allow you to compare coverage offerings, discounts and prices to find the right match for your situation. On average, the cheapest car policy companies in Arizona are Geico, USAA, The Hartford, State Farm and Allstate, according to Bankrate ’ sulfur analyze of quoted annual premiums. Comparing car insurance quotes from these companies may help you find the cheapest rates .

What information is needed to get car insurance in Arizona?

When you contact an indemnity caller for a quotation mark, an agentive role will need to know your age, address, driver ’ s license number, make and model of your vehicle, VIN, annual mileage and data about your drive record. If there are other drivers in your family, you will besides need their dates of birth, driver ’ mho license numbers and possibly even their Social Security numbers .

Does Arizona require drivers to have uninsured and underinsured motorist insurance?

Arizona does not require vehicle owners to purchase uninsured and underinsured motorist coverage. however, the country does require car insurers to offer these coverage types, and it is up to the driver to accept or reject them in writing. Generally, insurance providers recommend these options because of the extra fiscal auspices they offer you. In Arizona, 11.8 % of drivers on the road are estimated to be without insurance according to the Insurance Information Institute ( Triple-I ), ranking the state in the top one-half of the state for most estimated uninsured drivers on the road. If you are hit by person who does not have indemnity or does not have adequate indemnity to cover your damages, uninsured or underinsured motorist coverage options are designed to pay for your injuries and property damage .

Why does Arizona car insurance cost less than the national average?

car indemnity rates by submit deviate. car insurance in Arizona costs around $ 100 less on average than the national modal for a few reasons. Arizona car indemnity may be lower due to the state ’ s cost of living being lower than average. The state ranks about average for early factors that influence car insurance rates. Arizona is ranked in the middle of the pack in the Reason Foundation ’ s Annual Highway Report, which ranks each state ’ south highway conditions. additionally, Arizona besides ranks middle of the pack in full number of natural disasters .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, beneficial credit and the succeed full moon coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each express ’ second requirements. Our foundation profile drivers own a 2019 Toyota Camry, commute five days a week and campaign 12,000 miles per annum. These are sample distribution rates and should merely be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a leaden rank and file of industry-standard ratings for fiscal persuasiveness and customer have in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their fiscal protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer corroborate. To determine how well the best car indemnity companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S & P, NAIC, and Moodys had the most impact on the companies ’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurance company handiness, affordability and customer know are often the top priorities, Bankrate besides analyzed each insurance company ’ mho on-line and fluid resources for policy management and claims handling. policy is quickly evolving to keep pace with our digital world, so these aspects besides carried burden in determining Bankrate Scores .

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