Cheapest and Best Car Insurance in Arizona as Rated by Customers in 2022
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 you with excellent customer service. It also helps when you have a company who is comfortable enough setting a limit on your coverage that is manageable, rather than telling you that you need to pay more for a policy that may be out of your budget.
Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can find the best, cheap car 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, compare, and eventually find your ideal auto policy within Arizona.
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. Another thing to note is that this isn't based off the lowest rate alone - there are many factors that go into choosing who you purchase your coverage policy through.
On this page:
- Who offers the cheapest teen car insurance rates in Arizona?
- Who offers the cheapest car insurance rates for a married couple in Arizona?
- Who offers the cheapest senior car insurance rates in Arizona?
- 10 Cheapest areas in Arizona for car insurance
- 10 Most expensive areas in Arizona for car insurance
- Minimum car insurance coverage and limits in Arizona
- Arizona’s uninsured motorists percentage
There are a few things that a company is going to review when setting you up with a quote for an auto policy. The average cost is going to depend on where you live, your personal driver profile which includes your driving habits, and whether or not you're eligible for insurance discounts that they may offer.
Your age is one of the details a company looks at. Car insurance rates are typically high for teen drivers because of their inexperience behind the wheel, making them riskier so insure. Some cheap car insurance companies offer discounts for good grades and good behavior. If you sign your teen up for a telematics program in the first 90 days, you can collect more discounts.
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|
|Farmers Insurance Group||$4,198||$4,398|
|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.
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|
|Farmers Insurance Group||$2,569|
|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 one driving incident within the past three years and they both have a good credit score.
If you're looking for better coverage per person, letting your insurer know about your marital status could end up working in your favor. When you make first contact with a company for an auto insurance quote, be upfront with them about the personal information they need; chances are they're only asking because they utilize those details in figuring out the cheapest rate possible for you.
As mentioned above, affordable car insurance can be affected by many factors. Even with the same coverage and a clean driving record, things like your zip code, credit score, etc. come into play. If either party has been subject to license suspension, even minimum liability coverage prices can rise. The best way to get accurate insurance rates is by giving insurance providers the right information up front. This is why we say that mentioning your marital status could help you.
They'll be able to find out whether or not you have a clean record in your driving history, but you'll want to be honest with them when it comes to the information they'll depend on you to tell them. Another example that often comes up is a driver's annual mileage. Sometimes the amount of miles a person drives will also impact how much coverage an insurer may suggest. The longer you're on the road, the higher the chances of getting into an accident, even if you're a safe driver.
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.
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|
|Farmers Insurance Group||$1,015||$1,131|
|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.
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. The average price that you find across multiple companies is going to reflect this fact.
In the table below, you can see the top ten cheapest areas in Arizona for car insurance based on average rates for single adults.
|Area||Car insurance rates|
|Lake Havasu City||$1,131|
|Temple Bar Marina||$1,153|
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 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.
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. This is so that a driver's financial responsibility acts as a buffer between their company and the high amount of claims that come in.
The table below displays the top ten most expensive areas in Arizona for car insurance based on average rates for a single adult.
|Area||Car insurance rates|
These sample 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 one driving incident within the past three 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.
A minimum level of coverage is usually required in most states for the protection of its citizens. 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 a higher level of coverage to ensure that you are not underinsured in the event of a costly accident.
While this may seem detrimental to obtaining more affordable rates, you can think of it as planning for your financial future. With the higher coverage levels comes the stability most people hope for in the event that something happens to their car. You can learn more about different car insurance coverages on our blog.
Arizona state minimum requirements:
- 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. It is most commonly the other vehicle, but also includes things like a home or fence.
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.
Having this particular sort of coverage per accident means that even if the average driver who has insurance gets into an accident with someone who does not, they would still be protected.
How are car insurance rates 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. We've already mentioned quite a few different facts that a company may look at, however the wide range allows for a multitude of ways that a company could use them in their calculations. 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
- Marital status
- 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)
Are your neighbors' driving records a part of your auto insurance policies?
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. When it comes time to pay a claim, they need to 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.
There's another factor to consider. Auto policies also assess risk. If you live in an area with a lot of accidents, the driving conditions may be riskier. Maybe drivers are less experienced on average. Your city may have intersections that are not well managed. If you live on a busy street, you might be at a higher risk just leaving your driveway or parking on the street. Auto insurance coverage is meant to encompass all this risk.
How can you 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
- Look at your coverage limits. Are they at the right amounts?
- Look for loyalty discounts. The longer you stay with many companies, the less they charge you
- Shop for better insurance rates
How does Clearsurance rate and rank the best companies in Arizona depending on coverage?
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:
- 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. Our quotes take into account the information you provide. Then we provide insurance quotes that make sense for your comparison. Affordable insurance is always possible depending on where you look. Cheap auto insurance may not always be the best choice. The cost of insurance is only one of many factors.
At the end of the day, knowing your insurance coverage options are enough to protect you in an accident is just as important as the monthly premiums. This is just as important for safe drivers as it is for a high-risk driver. So compare your options with Clearsurance and save today.
Is there a car insurance guide that can be used for reference?
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.
Frequently Asked Questions
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.
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.
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.