Arizona Car Insurance – Best Car Insurance In Arizona

To help everyone find the best car insurance in Arizona, we’ve ranked a number of the top insurance companies on things like discounts, customer service, availability, and financial strength. In our ranking of the best car insurance companies, USAA and Geico took the top two spots. They also happen to be our two main recommendations for Arizona car insurance – both offer good prices and coverage options for Arizonans.

The Top Arizona Car Insurance Providers

To find the best car insurance in Arizona, we went through our top car insurance providers and re-examined them in light of Arizona laws and guidelines. We also reviewed average rates for Arizona drivers to determine which company offers the lowest auto insurance rates. Below is what we found on our top five choices:

1: USAA: Cheapest Car Insurance In Arizona

No matter how you look at it, USAA tends to be the cheapest car insurance around. If you can qualify for USAA car insurance, you could end up paying well below the state average. Of course, every driver’s situation is unique. Prices are tied to your zip code, the type of car you drive, your driving records, and more. The only way to know exactly what you’ll pay is to get an auto insurance quote.  

There is one downside to USAA – its membership is selective. You can qualify for USAA if you meet any of the following conditions: 

  • You are an active member of the military – Army, Air Force, Navy, Marine Corps, or Coast Guard.
  • You are a former member of the military and retired or were honorably discharged.
  • You are part of a commissioning program like the Naval Academy or ROTC.
  • You are a child or spouse of a current or former USAA member.

That last qualification allows a family to pass on USAA eligibility to generation after generation. 

You might think that cheap car insurance quotes come with poor customer service, but that’s not the case here. USAA consistently scores high on customer satisfaction studies and surveys from around the industry. It scored highly on two of J.D. Power’s studies, with a score of 891 out of 1,000 on the 2020 U.S. Auto Claims Satisfaction Study (the highest score of any company in the study). It also got a score of 900 out of 1,000 on the 2020 U.S. Insurance Shopping Study, which was second only to Erie Insurance.

What that means is that USAA does a great job of responding to claims, communicating with customers throughout the process, and returning customers’ cars quickly. We think a strong claims process is the most important thing to find in an auto insurance company – that’s what you’re really paying them to do, after all.

We also like that USAA car insurance has a few extra coverage options like roadside assistance and gap insurance – which not all providers have. Plus, USAA members shopping for car insurance in Arizona can try out the company’s usage-based option called SafePilot. The app tracks things like hard braking, sharp corners, and phone usage while driving. You can get a five-percent discount for signing up and then up to twenty percent off depending on your driving skills. The app is only available for drivers in Arizona, Ohio, Texas, and Virginia. 

Pros

  • Affordable rates and numerous discounts
  • Good choice for military service members
  • Superior financial strength rating and A- rating from the BBB
  • Nationwide availability

Cons

  • Only available for military and their families

See Also: USAA Insurance Code – How To Find Insurance Company Codes

2: Geico: Best For Added New Car Protection

Geico is our runner-up recommendation for Arizona car insurance. The company is the second-largest insurance provider in the U.S., and it wrote over $34 billion in insurance premiums in 2019, according to the National Association of Insurance Commissioners (NAIC). Across different pricing situations, Geico tends to be one of the more affordable options. It’s also a great choice for people who have an accident on their record.

Beyond standard car insurance in Arizona, Geico policyholders can get roadside assistance and rental car reimbursement. If you just purchased a new car, you can also take advantage of an extra coverage option from Geico that not many other Arizona car insurance companies offer. It’s called mechanical breakdown insurance (MBI), and it’s similar to an extended car warranty. 

MBI is available to you if your car has fewer than 15,000 miles or is less than 15 months old. It covers repairs to mechanical parts after a $250 deductible, and you can renew the policy for up to 7 years or 100,000 miles. The policy doesn’t cover routine maintenance, tune-ups, or wear items like tires and brakes.

Geico’s customer service reputation is good, but not as good as USAA’s. For example, Geico ranked highly across the board J.D. Power’s Auto Claims Satisfaction Study in 2020, which is admirable.  However, its score on the Insurance Shopping Study was just below the industry average. Geico has an A+ rating from the BBB.

GEICO Save 15 Quote On Car Insurance – But Is It Really True?

Lastly, Geico does have a usage-based discount option through an app, but it’s not available for drivers in Arizona. That could be a letdown for drivers looking for usage-based discounts.

Pros

  • A+ rating from the BBB and A++ financial strength rating from AM Best
  • Many choices for coverage
  • High level of customer satisfaction
  • Available in 50 states

Cons

  • Average quotes experience
  • Usage-based app not available in all states

See Also: How Can I Get GEICO Car Insurance Quote?

3: The Hartford Car Insurance

The Hartford has a number of coverage plans available for AARP members looking for car insurance in Arizona. Hartford auto insurance is right for Arizona drivers who belong to the AARP and want to insure a classic or standard car. Hartford auto insurance might not be the right choice for you if you are a young driver or you do not want to become an AARP member.

The Hartford offers many insurance products that are purchasable in addition to your standard auto insurance policy, such as:

  • Lifetime renewability: Once you get coverage from The Hartford, you will never be denied coverage so long as you continue paying all premiums, maintain a valid driver’s license, and meet other requirements.
  • RecoverCare: Transportation, cleaning, cooking, and other costs associated with recovering from a car accident that causes injuries not covered by your health insurance or Medicare are covered.
  • New car replacement: If you buy a new car and total it within 15 months/15,000 miles of purchase, The Hartford will write you a check for the price of a newer model with the same equipment.
  • Accident forgiveness: Your premium will not increase after your first accident so long as you have been accident-free for five years.
  • Disappearing deductible: Every year that you maintain a clean driving record, the collision deductible on your plan goes down $50 until it reaches $0.

Pros

  • Excellent financial strength rating and A+ rating from the BBB
  • Available in 50 states
  • Lifetime renewability
  • Discounted rates for people over age 50 

Cons

  • Only available to AARP members
  • AARP membership required

4: Safeco Car Insurance In Arizona 

Safeco is owned today by Liberty Mutual, but it has different coverage offerings and pricing. Safeco excels in car insurance for Arizona drivers who:

  • Are parents of teenagers
  • Value-free time and prioritize convenience
  • Are looking for comprehensive benefits

Safeco offers standard insurance as well as coverage like accident forgiveness, rideshare insurance, and custom equipment coverage. You can also get an emergency assistance package that gives you up to $500 toward lodging and meals if your car breaks down more than 25 miles away from home.

Safeco also has a long list of discounts for families, especially those with young and student drivers. Oftentimes it can be more expensive to add a new driver to your policy due to the high risk this group presents. Here are a few discounts that can help make family car insurance in Arizona more affordable:

  • Safeco RightTrack: The Safeco app tracks your vehicle usage patterns like nighttime driving, how hard you brake to come to a complete stop, and how quickly you accelerate. These data points are then used to calculate car insurance rates. Avoiding aggressive driving and driving at night could reduce rates by up to 30 percent.
  • Tenure reward: Adding a second driver to your policy could result in lower rates.
  • New teen reward: Adding a new teen driver to your policy can lower your rates up to 27 percent.
  • Newly independent discount: When a young driver moves off of their parent’s policy and opens their own Safeco policy, the young driver receives a discount.
  • Distant student discount: If your teen goes to school over 100 miles from home and doesn’t bring the insured car, you premium would be lowered.

Safeco also offers a Parent-Teen contract that sets a list of responsibilities that teens agree to abide by while driving (like no texting and driving, no drinking and driving, etc.). Plus, this program provides educational material about ongoing car maintenance responsibilities by state and the cost of car ownership when taking into consideration registration fees and fuel.

Pros

  • Independent agents who do price comparison shopping for you and customize policies
  • Number of insurance discounts available

Cons

  • Cannot be purchased online
  • Average customer service reviews

5: State Farm Auto Insurance

State Farm is another strong contender to underwrite car insurance in Arizona. Some things that make this provider especially attractive include its wide variety of discounts, a usage-based safe driving program, and affordable rates. Here are some money-saving features that could make State Farm a good choice:

  • Steer Clear®: This safe driving education course is for drivers under 25 years old and provides discounted rates upon completion.
  • Drive Safe & SaveTMThis usage-based safe driving program monitors your driving habits through an app on your phone. The data collected by the app can only help you save on car insurance. It will never work against you.

If you’re looking for high liability coverage limits, State Farm has you protected with coverage limits up to 500/500/500. With limits like these, you won’t have to worry about not having enough liability coverage to satisfy a state’s minimum requirements.

Along with standard car insurance in Arizona, you can get things like rental and travel expense coverage, rideshare coverage, and roadside assistance.

Pros

Largest auto insurer in the country

Many discounts for teens and students

Superior financial strength rating and A+ rating from the BBB

Available in 48 states

Easy online quotes process

Cons

  • Reported errors with autopay
  • Higher rates than some competitors
  • Not taking new customers in Massachusetts or Rhode Island

What Is The Average Cost Of Car Insurance In Arizona?

According to the NAIC, the national average car insurance expenditure was $1,004.68 per year in 2017. Luckily, drivers in the Grand Canyon State only paid an average of $994.42.

Type of CoverageAverage Annual Expenditure in 2017
Liability coverage$607.66
Collision coverage$312.95
Comprehensive coverage$204.93
Total cost$994.42

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