Top Ten Auto Insurance Companies in Arizona
Arizona’s minimum coverage requirements are pretty standard compared to other states. Additionally, Arizona follows at-fault laws, so drivers are not required to carry personal injury protection.
Arizona Minimum Insurance Requirements
The state of Arizona requires all drivers to carry liability insurance. You could face fines and license or vehicle registration suspension if you don’t have the required insurance.
Minimum liability required in the state of Arizona is divided as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
In addition to the minimum coverage requirements, many car insurance companies offer optional coverage for more protection. Here are some of the additional coverage that Arizona drivers may want to consider purchasing:
- New car replacement: This coverage is designed to replace your new car with the same make and model if yours is totaled in a covered accident.
- Accident forgiveness: This option could help you avoid a premium increase after an at-fault accident.
- Roadside assistance: When you’re stranded on the side of the road, your insurer’s roadside assistance could help you get towing service, a flat tire change, and more.
- Uninsured/underinsured motorist: This optional coverage (though required in some states) is designed to cover your losses if you’re in an accident where the at-fault driver doesn’t have insurance
Our Selection Criteria Includes:
*Affordability: as measured by its cost relative to the amount the purchaser can pay, it suits your budget. When it comes to providing customers with affordable auto insurance
* Customer support: providing efficient, quick, and friendly service to customers as well as building solid relationships with them and assisting customers in making cost-effective and correct auto policy decisions based on available offers with
* Coverage options: generally includes several types of coverage, including liability insurance, comprehensive and collision coverage, and any other coverage needed to meet the state’s minimum insurance requirements
* Customer satisfaction scores: The sum of all positive responses divided by the total responses collected, then multiplied by 100. Measures customer satisfaction with a business, purchase, or interaction. It’s one of the most straightforward ways to measure customer satisfaction
* Online reputation: Online reputation is a brand, product, or service’s image online (web and digital platforms). Frequently, customer reviews, news, and facts about the brand weigh more than what the brand communicates and promotes
In Arizona, the average annual cost for car insurance is $1,830 for full coverage and $594 for minimum coverage. However, different sources may provide slightly different figures. For example, another source states that the average cost of full coverage car insurance in Arizona is $1,078 per year or $90 per month.
These variations can be attributed to differences in data sources, methodologies, and timeframes. It’s important to note that your actual cost will depend on factors such as the coverage you choose, your driving history, and the car you drive.
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As an independent insurance broker, I help clients find the best auto insurance coverage for their needs and budget. With so many options available, it can be overwhelming to know where to start. That’s why I’ve researched and compiled a list of Arizona’s top ten auto insurance companies based on ratings and reviews from trusted sources like NerdWallet, Bankrate, and MarketWatch. Here are some tips to help you choose the right auto insurance broker and policy:
Consider working with an independent broker who represents many different insurance companies. This will give you access to dozens of policies and price points.
– Research and compare different car insurance companies, looking for reviews, ratings, and customer feedback to understand their reputation and customer service. Then, compare their coverage options, premiums, deductibles, and discounts to find the best fit for your needs and budget.
Check the financial stability of the car insurance company you’re considering. Choose a financially stable company that can pay claims when needed.
– Consider bundling your home and auto insurance policies for discounts and savings.
Following these tips and working with an independent insurance broker, you can find the best auto insurance coverage for your unique situation.
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Customer Reviews
Top Ten Best Auto insurance companies in Arizona
Best Auto Insurance Companies in Arizona
| Insurance Company | Average Monthly Cost (Full Coverage) | Coverage Options | Affordability | Customer Satisfaction |
|---|---|---|---|---|
| Progressive | $142 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Moderate | Moderate |
| Geico | $173 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | High | High |
| Nationwide | $146 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Moderate | High |
| State Farm | $125 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | High | High |
| Travelers | $164 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | High | Moderate |
| Farmers | $767 annually | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Low | Moderate |
| Allstate | $286 | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Low | Moderate |
| USAA | $462 annually (minimum coverage) | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | High | High |
| American Family | Not specified | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Moderate | Moderate |
| Hartford | Not specified | Comprehensive, Collision, Loan/Lease Payoff, Medical Payments, Rental Car Reimbursement, Roadside Assistance, Uninsured Motorist Bodily Injury | Moderate | Moderate |
Progressive is a top-rated auto insurance company that offers a variety of coverage options for drivers in Arizona. They provide comprehensive collision and liability insurance that meets the state’s requirements.
As the nation’s third-largest auto insurance company, Progressive is known for its user-friendly mobile app and website. It allows customers to access quotes, bill payments, and claims filing.
Progressive
In addition to their comprehensive coverage options, Progressive offers various discounts to help customers save money on their policies. These discounts include multi-policy, multi-car, continuous insurance, Snapshot safe driver discount, homeowner discount, paperless, pay in full, and automatic payment.
Suppose you’re looking for more information on Progressive’s different types of car insurance coverage. In that case, their website provides detailed explanations of each coverage option and how they apply in real-world scenarios. They also offer information on minimum car insurance requirements in each state, including Arizona, and available discounts.
Overall, Progressive is a reliable and customer-friendly auto insurance company that offers a range of coverage options and discounts to meet Arizona drivers’ needs.
Geico is the second-largest auto insurer in the United States and provides car insurance to thousands of drivers across Arizona. They offer various coverage options, including comprehensive, collision, and liability insurance that meets the state’s requirements.
Customers can easily access services like quotes, bill payment, and claims filing through Geico’s user-friendly mobile app and website.
Geico
In addition to their comprehensive coverage options, Geico offers various discounts to help customers save money on their policies. These discounts include vehicle equipment discounts, discounts for driving history and habits, driver’s education discounts, driver affiliation discounts, and customer loyalty discounts.
Geico’s website provides detailed information on each coverage option, how they apply in real-world scenarios, and minimum car insurance requirements in each state, including Arizona. With its reputation for excellent customer service and a wide range of coverage options and discounts, Geico is a reliable choice for drivers in Arizona looking for car insurance.
Nationwide is a leading car insurance provider to thousands of drivers across Arizona. Founded as a small mutual auto insurance company owned by policyholders who spent their days farming in Ohio, Nationwide has become one of the world’s most extensive insurance and financial services companies.
Nationwide offers various coverage options, including comprehensive, collision, and liability insurance that meets the state’s requirements.
Nationwide
Customers can easily access services like quotes, bill payment, and claims filing through Nationwide’s user-friendly mobile app and website. In addition to their comprehensive coverage options, Nationwide also offers a variety of discounts to help customers save money on their policies. These discounts include multi-policy, SmartRide, SmartMiles, accident-free, good student, defensive driving, anti-theft, safe driver, EasyPay, paperless, and affinity member discounts.
Nationwide is headquartered in Columbus, Ohio, and offers coverage in 47 states, including Arizona. They are highly rated by A.M. Best and S&P Global Ratings for their strong financial condition and ability to pay claims. With its reputation for excellent customer service, a wide range of coverage options, and discounts, Nationwide is a reliable choice for drivers in Arizona looking for car insurance.
State Farm is a leading car insurance provider for thousands of Arizona drivers. Founded in 1922 as a small mutual auto insurance company owned by policyholders who spent their days farming in Ohio, State Farm has become one of the world’s most extensive insurance and financial services companies.
As the largest property, casualty, and auto insurance provider in the United States, State Farm offers a wide range of coverage options, including comprehensive, collision, and liability insurance that meets the state’s requirements.
State Farm
Customers can easily access services like quotes, bill payment, and claims filing through State Farm’s user-friendly mobile app and website. In addition to their comprehensive coverage options, State Farm also offers a variety of discounts to help customers save money on their policies. These discounts include multi-policy, SmartRide, SmartMiles, accident-free, good student, defensive driving, anti-theft, safe driver, EasyPay, paperless, and affinity member discounts.
State Farm is rated by A.M. Best and S&P Global Ratings for its strong financial condition and ability to pay claims. As a company, State Farm is committed to creating stronger and safer communities, providing grants to cities focused on sustainability and the environment. With its reputation for excellent customer service, a wide range of coverage options, and discounts, State Farm is a reliable choice for drivers in Arizona looking for car insurance.
Travelers is a leading provider of insurance coverage for drivers in Arizona. With over 165 years of experience, Travelers has earned a reputation as one of the best property casualty insurers in the industry.
They offer a range of coverage options, including car insurance, to protect important things to their customers, such as their homes, cars, valuables, and businesses.
Travelers
Travelers is committed to providing excellent customer service, and customers can easily access services like quotes, bill payment, and claims filing through their user-friendly mobile app and website. In addition to their comprehensive coverage options, Travelers also offers a variety of discounts to help customers save money on their policies. These discounts include multi-policy, multi-car, home ownership, safe driver, continuous insurance, hybrid/electric car insurance, new car, EFT, pay in full and good payer discounts, early quote, and driver training discounts.
Travelers is a global company with a strong presence in the United States, Canada, the United Kingdom, and Ireland. They are highly rated by A.M. Best and S&P Global Ratings for their strong financial condition and ability to pay claims. With their reputation for excellent customer service, comprehensive coverage options, and discounts, Travelers is a reliable choice for drivers in Arizona looking for car insurance.
Farmers
Farmers Auto Insurance offers a variety of coverage options in Arizona. The typical car insurance policy includes coverage for bodily injury and property damage liability, as well as optional collision and comprehensive coverage in case of covered damage or theft. Farmers also offers optional Rental or Rental Alternative coverage (for when your car is in the shop), Vehicle Replacement Plus (if your newer car is totaled), Enhanced Roadside and Ride Assistance, and other coverages.
Farmers Insurance also offers several payment plans, including the option to pay your premium in full at the beginning of each policy term or to pay your premium in two installments per term. You can make payments online, by phone, or by mail.
The Allstate Corporation (NYSE: ALL) is a leading provider of insurance coverage to millions of customers across the United States. They offer various protection products through multiple brands and diverse distribution channels, including auto, home, life, and other insurance offered through its Allstate, Esurance, Encompass, SquareTrade, and Answer Financial brands.
Allstate is widely known for its slogan, “You’re in Good Hands with Allstate.”
Allstate
In addition to their comprehensive coverage options, Allstate offers various discounts to help customers save money on their policies. These discounts include multiple policies, early signing, responsible payer, new car, EZ pay plan, Allstate eSmart, FullPay, and safe driving club discounts.
Allstate is committed to providing excellent customer service, and customers can easily access services like quotes, bill payments, and claims filing through their user-friendly mobile app and website. They are highly rated by A.M. Best and S&P Global Ratings for their strong financial condition and ability to pay claims.
Overall, Allstate is a reliable choice for drivers in Arizona looking for car insurance, with a wide range of coverage options, discounts, and a reputation for excellent customer service.
USAA is a leading provider of insurance coverage to millions of military members and their families across the United States. They offer a range of coverage options, including car insurance, to protect important things to their customers, such as their homes, cars, valuables, and businesses.
USAA
Customers can easily access services like quotes, bill payment, and claims filing through USAA’s user-friendly mobile app and website. In addition to their comprehensive coverage options, USAA also offers a variety of discounts to help customers save money on their policies. These discounts include multiple policies, early signing, responsible payer, new car, EZ pay plan, Allstate eSmart, FullPay, and safe driving club discounts.
USAA is committed to providing excellent customer service, and they offer a range of resources and advice to help their customers navigate the complexities of insurance and financial planning. They are highly rated by A.M. Best and S&P Global Ratings for their strong financial condition and ability to pay claims.
USAA is a reliable choice for military members and their families in Arizona looking for car insurance, with a wide range of coverage options, discounts, and a reputation for excellent customer service.
American Family is a leading insurance coverage provider to customers across the United States. They offer a range of coverage options, including car insurance, to protect the things that matter most to their customers.
American Family is committed to providing excellent customer service, and their agents are available to help customers select their coverage and assist them in their time of need.
American Family
Customers can easily access services like quotes, bill payment, and claims filing through American Family’s user-friendly mobile app and website. In addition to their comprehensive coverage options, American Family offers various discounts to help customers save money on their policies. These discounts include multi-vehicle, loyalty, early bird, multi-product, Steer Into Savings, auto safety equipment, defensive driver, good driving, low mileage, KnowYourDrive, good student, TeenSafeDriver, Away at School, young volunteer, generational, auto-pay, customer full pay, and paperless discounts.
American Family is rated by A.M. Best and S&P Global Ratings for their strong financial condition and ability to pay claims. With their reputation for excellent customer service, a wide range of coverage options, and discounts, American Family is a reliable choice for drivers in Arizona looking for car insurance.
The Hartford is a leader in property and casualty insurance, group benefits, and mutual funds, providing support and protection to people and businesses for over 211 years.
They offer a range of coverage options, including car insurance, to help customers pursue their unique ambitions and prevail through unexpected challenges.
Hartford
Customers can easily access services like quotes, bill payments, and claims filing through The Hartford’s user-friendly mobile app and website. The Hartford is widely recognized for their customer service excellence, sustainability practices, trust, and integrity.
In addition to its comprehensive coverage options, The Hartford offers various discounts to help customers save money on their policies. These discounts include lifetime car repair assurance, new car replacement, RecoverCare, accident forgiveness, disappearing deductible, labor, and towing insurance.
The Hartford is highly rated by A.M. Best and S&P Global Ratings for their substantial financial condition and ability to pay claims. They are the only nationally endorsed direct auto and home insurance program for AARP’s nearly 38 million members. With their reputation for excellent customer service, wide coverage options, and discounts, The Hartford is a reliable choice for drivers in Arizona looking for car insurance.
Blake Insurance Group
Phone: (888) 387-3687
Email: info@blakeinsurancegroup.com
Hours: Mon-Fri 9:00 am to 5:00 pm
Sat-Sun: Closed
Blake Nwosu
Owner & Principal Agent
FAQs on Auto Insurance Companies in Arizona
What are the best auto insurance companies in Arizona?
Some of the best auto insurance companies in Arizona include State Farm, Geico, Progressive, Travelers, Nationwide, USAA, Allstate, American Family, Farmers, and The Hartford.
How much does auto insurance cost in Arizona?
The average annual premium for full coverage in Arizona is around $2,547, while the average rate for minimum coverage is $755 per year.
What factors affect car insurance rates in Arizona?
Factors that affect car insurance rates include your driving history, location, age, credit score, and the type of coverage you choose.
What discounts does Geico offer in Arizona?
Geico offers various discounts, including multi-vehicle discounts, bundling discounts, and safe driver discounts.
How can I save on car insurance with State Farm?
State Farm offers discounts for safe driving, bundling policies, and having safety features in your vehicle.
What coverage options does Progressive provide?
Progressive offers comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursement, roadside assistance, and uninsured motorist bodily injury coverage.
Is USAA a good option for military families in Arizona?
Yes, USAA is highly rated for its customer service and offers competitive rates and discounts specifically for military families.
What makes Travelers a top choice for car insurance in Arizona?
Travelers is known for its discounts, ease of use, and low number of complaints, making it a top choice for car insurance in Arizona.
How does Nationwide's SmartMiles program work?
Nationwide's SmartMiles is a pay-per-mile insurance program that can help drivers who drive less than average save on their car insurance.
What are the benefits of choosing The Hartford for auto insurance?
The Hartford is known for its strong customer service and offers various discounts, including those for bundling policies and having a clean driving record.
What is the minimum car insurance coverage required in Arizona?
Arizona requires a minimum of $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people per accident, and $15,000 for property damage per accident.
Can I use a digital insurance ID card in Arizona?
Yes, Arizona allows drivers to present proof of auto insurance using a digital insurance ID card on their mobile device.
What is the difference between full coverage and minimum coverage?
Full coverage typically includes liability, comprehensive, and collision coverage, while minimum coverage only includes the state-required liability coverage.