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Best & Cheapest Arizona Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16827 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2054 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
144 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
161 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.54 ★★★★★
239 customer reviews
rated their claim's experience positively
3.51 ★★★★★
41 customer reviews
rated their claim's experience positively
3.22 ★★★★★
67 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.32 ★★★★★
54 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

It’s difficult to decide which Arizona car insurance company is right for you, especially if you’re a first time car insurance shopper. You’ll want a car insurance company that provides the right insurance at the right price, and also provides excellent customer service. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Arizona. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Arizona car insurance companies.

In the table above, you can sort through all the Arizona car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Arizona car insurance rankings.

Interested in learning more about one of these Arizona car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Arizona?

Car insurance rates are typically high for teen drivers because of their inexperience behind the wheel, making them riskier so insure. So how do the five largest car insurance companies in Arizona stack up for rates? Geico offers the cheapest car insurance rates for teen drivers in Arizona.

Company Female teen rates Male teen rates
Allstate Insurance $1,596 $1,945
Farmers Insurance Group $4,198 $4,398
Geico $973 $909
Progressive $2,330 $2,536
State Farm Insurance Company $1,926 $2,267

These rates are based on profiles for 18-year-old male and female drivers in Arizona. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Arizona will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Arizona?

For a married couple in Arizona, Geico has the cheapest average car insurance rates among the five biggest auto insurers in the state by market share.

Company Married couple rates
Allstate Insurance $2,403
Farmers Insurance Group $2,569
Geico $981
Progressive $1,523
State Farm Insurance Company $2,518

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arizona will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Arizona?

Similar to the auto insurance rates for teen drivers and married couples in Arizona, Geico has the cheapest average car insurance rates in the state for senior drivers. Keep in mind these are only average rates and this is only a comparison of the five largest auto insurers in the state by market share.

Company Female senior rates Male senior rates
Allstate Insurance $1,390 $1,390
Farmers Insurance Group $1,015 $1,131
Geico $652 $757
Progressive $798 $775
State Farm Insurance Company $991 $991

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arizona will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Arizona for car insurance

Arizona car insurance rates vary based on location, down to the neighborhood you live in. The reason for this is because crime rate and frequency of car accidents are different in different areas of Arizona. In the table below, you can see the top 10 cheapest areas in Arizona for car insurance based on average rates for single adults.

Area Car insurance rates
Chloride $1,124
Lake Havasu City $1,131
Meadview $1,136
Topock $1,139
Kingman $1,145
Littlefield $1,148
Valentine $1,149
Temple Bar Marina $1,153
Willow Beach $1,159
Hackberry $1,163

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arizona will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Arizona for car insurance

On average, Phoenix is the most expensive area in Arizona for car insurance. Since driving behavior, frequency of accidents and crime rate in the area affect car insurance rates, some areas in Arizona have more expensive rates than others. The table below displays the top 10 most expensive areas in Arizona for car insurance based on average rates for a single adult.

Area Car insurance rates
Phoenix $1,745
Glendale $1,669
Laveen $1,642
Tolleson $1,636
Avondale $1,568
Paradise Valley $1,554
Scottsdale $1,540
Queen Creek $1,540
Peoria $1,536
Higley $1,525

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Arizona will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Arizona

Arizona requires drivers to obtain bodily injury and property damage liability, which is standard for most states. Below, we’ve listed the minimum limits set by Arizona, though it’s important to note that these are just minimums. It may be wise to consider purchasing higher limits to ensure that you are not underinsured in the event of a costly accident. You can learn more about different car insurance coverages on our blog.

Arizona state minimum requirements:

Liability:

  • Bodily injury — $15,000 per person
  • Bodily injury — $30,000 per accident
  • Property damage — $10,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Arizona’s uninsured motorist percentage

When purchasing insurance, one option to consider is uninsured motorist coverage. This coverage is not required in Arizona, but it can be a smart choice, as it offers protection in the event that an uninsured or underinsured driver is at fault in an accident with you. Arizona’s uninsured motorist percentage of 12 is the 24th highest in the country, according to 2015 data from the Insurance Information Institute.

How car insurance rates are calculated in Arizona

When searching and comparing quotes from the best auto insurance companies in Arizona, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Arizona

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Arizona car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Arizona

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.