Best and Cheapest Car Insurance in Arizona for 2024 (Top 10 Low-Cost Companies)

USAA, Geico, and American Family are our top picks for the best and cheapest car insurance in Arizona.

In the table below, 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.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$18	A++	Military Savings	USAA
	#2	$27	A++	Affordable Rates	Geico
	#3	$31	A	Discount Availability	American Family
	#4	$34	B	Local Agents	State Farm
	#5	$38	A++	Coverage Options	Travelers
	#6	$43	A	Customizable Policies	Liberty Mutual
	#7	$45	A+	UBI Savings	Allstate
	#8	$47	A+	Widespread Availability	Nationwide
	#9	$55	A	Great Add-ons	Farmers
	#10	$56	A+	Budgeting Tools	Progressive

Read on to learn more about the best Arizona auto insurance companies and learn what kind of car insurance do you really need to carry in Arizona. You can also enter your ZIP into our free quote tool to find cheap Arizona car insurance quotes today.

What You Should Know

• USAA has the cheapest Arizona insurance rates
• Geico and American Family also have cheap Arizona rates
• Carrying minimum Arizona insurance is the cheapest option

On this page:

• Top Arizona Car Insurance Companies
• Cheapest Teen Car Insurance Rates in Arizona
• Cheapest Married Couple Car Insurance Rates in Arizona
• Cheapest Senior Car Insurance Rates in Arizona
• Cheapest Areas in Arizona for Car Insurance
• Most Expensive Areas in Arizona for Car Insurance
• Arizona Minimum Car Insurance Coverage and Limits
• Arizona Uninsured Motorists Percentage
• How Arizona Car Insurance Rates are Calculated
• How Neighbor Driving Records Impact Arizona Rates
• How to Save On Arizona Car Insurance
• How Clearsurance Ranks Companies
• Buy Coverage From the Best and Cheapest Arizona Car Insurance Companies Today

#1 – USAA: Top Pick Overall

Pros

• Military Savings: USAA is usually the cheapest company in Arizona for military and veteran drivers.
• Customer Service: Arizona customers are generally pleased with the service they receive. Learn more by reading our USAA insurance review.
• Add-On Choices: USAA customers can chose add-ons for extra protection on Arizona roads.

Cons

• Local Agent Availability: USAA services from agents are mostly offered through telecommute assistance.
• Restrictions on Eligibility: USAA is only sold to Arizona residents who are either veterans or military members.

#2 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: Arizona residents will find some of the most affordable rates at Geico. Learn more about Geico's rates for good drivers in our article on the best and cheapest car insurance companies goes over rates in more detail.
• Discount Selection: Arizona customers should be able to lower Arizona rates with at least one or two discounts.
• Adjustable Deductibles: Arizona customers can lower or raise deductibles on their coverages as needed.

Cons

• Lacks Gap Coverage: New vehicle owners will not be able to get gap coverage from Geico.
• Local Agent Availability: Geico mainly provides service assistance through telecommute.

#3 – American Family: Best for Discount Availability

Pros

• Discount Availability: Arizona customers can save on their policy by applying for discounts at American Family.
• Coverage Selection: Arizona drivers can fully protect their vehicles with the add-on selection. Learn more in our American Family insurance review .
• Customer Reviews: American Family stands out for customer service, due to mostly positive reviews.

Cons

• New Customer Rates: New customers may not have the cheapest rates at first, as they will not qualify for a loyalty discount yet.
• Online Service Availability: Arizona customers may find that they can do less functions online, due to the focus on agent assistance.

#4 – State Farm: Best for Local Agents

Pros

• Local Agents: Arizona drivers should be able to easily visit a nearby agent for assistance.
• Coverage Selection: State Farm’s selection includes roadside assistance, gap insurance, and more. Learn more in our review of State Farm insurance.
• Discount Variety: State Farm has discounts for student drivers, safe drivers, and more.

Cons

• Online Service Availability: Some tasks need to be completed through an agent and can’t be done online.
• Financial Rating: State Farm has a lower rating than its competitors for its financial management.

#5 – Travelers: Best for Coverage Options

Pros

• Coverage Options: Arizona drivers have full array of add-ons available to purchase from Travelers.
• IntelliDrive Discount: Participating in this optional program at Travelers could save Arizona drivers up to 30% on their auto insurance.
• Financial Rating: A.M. Best awarded the company the highest possible rating. Find out more about the company's ratings in our review of Travelers insurance.

Cons

• IntelliDrive Rate Increases: Travelers warns drivers that poor driving can raise Arizona auto insurance rates.
• Claim Satisfaction: Customers have left negative reviews expressing dissatisfaction with the processing of their claims.

#6 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Policies: Arizona customers will find it simple to customize auto insurance policies by changing coverages and deductibles.
• Claim Filing: Liberty Mutual allows customers to file claims or get assistance 24/7.
• Multi-Vehicle Discount: Liberty Mutual discounts rates if Arizona customers insure more than one car.

Cons

• Customer Service Reviews: Liberty Mutual does not have outstanding reviews. Find out more in our review of Liberty Mutual insurance.
• Agent Availability: Arizona residents may have trouble finding an agent nearby.

#7 – Allstate: Best for UBI Savings

Pros

• UBI Savings: Arizona drivers can join Drivewise for UBI savings.
• Claim Satisfaction Guarantee: Allstate may offer premium credits if customers are unhappy with the company’s claims service.
• Mile-Based Coverage: Arizona customers who drive under 10,000 miles annually may want to sign up for Allstate’s Milewise coverage.

Cons

• Customer Ratings: Allstate’s ratings are lower than they should be for a company of its size. Learn more in our Allstate review.
• Young Driver Rates: Drivers under 25 may find Allstate’s rates higher than at other companies.

#8 – Nationwide: Best for Widespread Availability

Pros

• Widespread Availability: Arizona residents who move should be able to keep Nationwide as their insurer in their new state.
• Vanishing Deductible: Arizona customers may qualify for deductible decreases over time for being safe drivers.
• Coverage Selection: Nationwide’s selection includes roadside assistance and others. Read our Nationwide review to learn more.

Cons

• Customer Ratings: Most ratings for Nationwide are average.
• DUI Rates: Arizona customers with a DUI or two on their record will have pricer rates at Nationwide.

#9 – Farmers: Best for Great Add-Ons

Pros

• Great Add-Ons: Farmers has great add-ons, such as rideshare insurance, umbrella insurance, and many more. Find out more in our Farmers review.
• Multi-Policy Discount: Arizona customers can also purchase home insurance for a better deal on auto insurance.
• Widespread Availability: You can keep Farmers as a provider even if you move out of Arizona.

Cons

• Claim Processing Times: Slower processing times are mentioned in some negative reviews left by customers.
• DUI Rates: Farmers is a less economical option for Arizona drivers with high-risk rates.

#10 – Progressive: Best for Budgeting Tools

Pros

• Budgeting Tools: The free Name Your Price tool helps Arizona customers determine how much coverage they can purchase.
• Snapshot Program: Arizona drivers can join this optional program to save on Arizona car insurance.
• Deductible Options: Arizona customers have several levels to chose from.

Cons

• Snapshot Rate Increases: Progressive warns drivers that poor driving could raise Arizona auto insurance rates.
• Customer Ratings: The majority of ratings state that customer service is average. Read our Progressive review to find out more.

Top Arizona Car Insurance Companies

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.

Insurance Company	Minimum Coverage	Full Coverage
Allstate	$45	$130
American Family	$31	$90
Farmers	$55	$162
Geico	$27	$79
Liberty Mutual	$43	$127
Nationwide	$47	$137
Progressive	$56	$165
State Farm	$34	$99
Travelers	$38	$110
USAA	$18	$54

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.

If there is a company you are interested in, such as Geico, you can can get a quote directly from the company's website or use a free quote comparison tool.

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. The top Arizona companies will offer discounts to help make insurance affordable.

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.

Learn more: How To Buy Car Insurance

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.

Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Arizona car insurance rankings.

Cheapest Teen Car Insurance Rates in Arizona

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.

Read more: New Driver Car Insurance

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 largest car insurance companies in Arizona stack up for rates? Take a look at the rates below.

Insurance Company	Female	Male
Allstate	$187	$248
American Family	$127	$172
Farmers	$304	$315
Geico	$69	$74
Liberty Mutual	$232	$278
Nationwide	$127	$165
Progressive	$233	$263
State Farm	$97	$122
Travelers	$113	$140
USAA	$99	$115

GEICO offers the cheapest car insurance rates for teen drivers in Arizona.

Cheapest Married Couple Car Insurance Rates in Arizona

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

Insurance Company	Monthly Rates
Allstate	$85
American Family	$54
Farmers	$66
Geico	$23
Liberty Mutual	$82
Nationwide	$56
Progressive	$42
State Farm	$43
Travelers	$43
USAA	$36

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.

Learn more: Best Car Insurance Companies for Married Couples

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, such as what type of vehicle you own or the number of drivers. This is why we say that mentioning your marital status could help you.

Read more: What are the cheapest cars to insure?

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. Therefore, low mileage drivers will often have lower rates.

Read more: Best Low-Mileage Car Insurance Companies

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.

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 (learn more: Best Car Insurance for Senior Drivers).

Insurance Company	Female	Male
Allstate	$67	$67
American Family	$39	$40
Farmers	$44	$47
Geico	$18	$23
Liberty Mutual	$58	$63
Nationwide	$38	$41
Progressive	$32	$30
State Farm	$27	$27
Travelers	$32	$33
USAA	$21	$21

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.

Cheapest Areas in Arizona for Car Insurance

Arizona car insurance rates vary based on location, down to the neighborhood you live in.

Learn more: How to Get Cheap Car Insurance

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	Monthly Rates
Chloride	$94
Lake Havasu City	$94
Meadview	$95
Topock	$95
Kingman	$95
Littlefield	$96
Valentine	$96
Temple Bar Marina	$96
Willow Beach	$97
Hackberry	$97

The reason for different area rates 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.

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, crime rate, and uninsured drivers in the area affect car insurance rates, some areas in Arizona have more expensive rates than others.

Learn more: Steps to Handling an Accident with an Uninsured Driver

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.

Area	Monthly Rates
Phoenix	$145
Glendale	$139
Laveen	$137
Tolleson	$136
Avondale	$131
Paradise Valley	$130
Scottsdale	$128
Queen Creek	$128
Peoria	$128
Higley	$127

The table above displays the top ten most expensive areas in Arizona for car insurance based on average rates for a single adult.

Arizona Minimum Car Insurance Coverage and Limits

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.

Arizona Uninsured Motorists 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.

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 Arizona Car Insurance Rates are Calculated

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.

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)

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, such as your driving record (read more: What is considered a clean driving record?).

How Neighbor Driving Records Impact Arizona Rates

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?

Read more: What is a driving record and what does it track?

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 to Save On Arizona Car Insurance

While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can get cheap car insurance.

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

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.

How Clearsurance Ranks Companies

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. 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.

Learn more: Car Insurance Shopping Guide

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.

Buy Coverage From the Best and Cheapest Arizona Car Insurance Companies Today

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.

Ready to find affordable Arizona car insurance quotes today? Compare rates now with our free quote tool.