Jerry SummaryAuto-Owners offers the best car insurance in Arizona, according to Jerry’s editorial analysis, thanks to its strong financial strength rating and minimal customer complaints. Geico comes in second place, while CSAA Insurance Group earns an honorable mention due to its high customer satisfaction. You can get the best car insurance in Arizona by comparing quotes from multiple insurance companies.
Jerry’s editorial team thoroughly evaluated 29 auto insurance companies to find the best car insurance in Arizona. Jerry’s star ratings are based on factors like financial strength ratings, complaints to state regulators and customer satisfaction.
These are the best car insurance companies in Arizona:
- Auto-Owners: Best car insurance overall.
- Geico: Runner-up.
- CSAA Insurance Group: Honorable mention.
If you need cheap car insurance in Arizona, be sure to compare quotes from multiple insurers to get the best rate.
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Why you can trust Jerry’s editorial content
Best car insurance in Arizona overall: Auto-Owners
Why it’s the best: Auto-Owners has 4.9 stars due to its superior financial strength rating and few customer complaints. Auto-Owners also ranks No. 2 out of 13 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study.
Auto-Owners offers several perks that could reduce your out-of-pocket expenses after an accident, including a waived collision insurance deductible if you’re in an accident with another vehicle insured by Auto-Owners. If you bundle home and auto insurance, you’ll only pay one deductible, or have your auto deductible waived completely, if both are damaged in a covered event. Arizona drivers may also be able to add at-fault accident forgiveness, gap insurance and rental car coverage to their policies.
Discounts may be available for bundling policies, paying your premium in full, paying on time for 36 consecutive months, going paperless, getting a quote prior to the start date of your policy and driving a car with qualifying safety features.
Students may save if they have a B average or better, or attend school more than 100 miles from home and don’t have a vehicle. Teenagers may get a discount if they drive a car with a permanently installed GPS, or let their driving be tracked by an eligible mobile app.
More: Get cheap car insurance the smart way, today
Runner-up: Geico
Why it’s the best: Geico scores 5 stars because of its superior financial strength rating and few customer complaints. Geico scored below average in J.D. Power’s 2024 Southwest Auto Insurance Study, which makes it Jerry’s pick for runner-up.
Drivers in Arizona may get discounts for bundling policies, maintaining a clean driving record or opting into Geico’s telematics program, DriveEasy, and practicing safe driving habits. Drivers 50 and older who voluntarily complete a qualifying defensive driving course may also get a discount.
Arizona drivers may be able to customize their policies with roadside assistance. If their policy includes comprehensive coverage, they can also choose a no-deductible option for glass damage. Customers can request roadside assistance on the Geico mobile app, as well as manage a policy, see insurance ID cards and get repair estimates by uploading photos of the damaged vehicle.
More of the best Arizona insurers
These insurers also offer some of the best car insurance in Arizona.
Honorable mention: CSAA Insurance Group
While not yet rated by Jerry, CSAA Insurance Group was ranked No. 1 out of 13 insurers for overall customer satisfaction in the Southwest region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
In Arizona, you may get discounts for having multiple policies with CSAA, paying your premium in full or driving a limited number of miles. Qualifying drivers who complete a driver training program may also save. Students can get a discount if they’re included on their parent’s policy and have good grades and clean driving records.
If you’re invited to join CSAA’s telematics program, MySafeDrive, you could get a discount of up to 10% for signing up, plus earn more savings if you drive safely.
Best full coverage car insurance in Arizona
Embark General offers the best full coverage car insurance rates in Arizona, according to Jerry’s data analysis, with an average cost of $179 per month.
Safeco
Here are more companies that offer some of the best full coverage car insurance rates.
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Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $179 |
| Aspire Advantage | $188 |
| Safeco | $192 |
| Geico | $198 |
| Progressive | $220 |
Choosing the best full coverage car insurance often comes down to the insurance company itself. Beyond just the policy details, consider how reliable and supportive the insurer is when you need them most. Companies with strong customer service, efficient claims processes and positive reviews from drivers are the best choice. Be sure to research customer experiences and read car insurance reviews to help you feel confident in the company you go with.
Best car insurance for teen drivers in Arizona
Root offers the best car insurance rates for teen drivers in Arizona, according to Jerry’s data analysis, with an average cost of $309 per month.
Here are more companies that offer some of the best car insurance rates for teens.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| ROOT | $320 |
| Geico | $325 |
| The General | $326 |
| Liberty Mutual | $356 |
| Trexis | $452 |
Young drivers under 25 can benefit from policies that reward safe and responsible behavior, since younger drivers are viewed as risky to insure. Many insurers offer discounts for maintaining a clean driving record, completing driver education courses or opting into telematics programs that monitor driving habits. Choosing a policy that encourages and recognizes good driving can not only improve safety on the road but also potentially lower premiums over time.
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Arizona
Embark General offers the best car insurance rates for young drivers in Arizona, according to Jerry’s data analysis, with an average cost of $144 per month.
Here are more companies that offer some of the best car insurance rates for young drivers under 25.
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Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Embark General | $144 |
| Anchor General | $188 |
| Aspire Advantage | $217 |
| Safeco | $219 |
| Mercury | $224 |
Young drivers under 25 can benefit from policies that reward safe and responsible behavior, since younger drivers are viewed as risky to insure. Many insurers offer discounts for maintaining a clean driving record, completing driver education courses or opting into telematics programs that monitor driving habits. Choosing a policy that encourages and recognizes good driving can not only improve safety on the road but also potentially lower premiums over time.
Learn more: Car insurance for college students
Best car insurance for seniors in Arizona
Aspire Advantageoffers the best car insurance rates for drivers over 65 in Arizona, with an average cost of $101 per month, according to Jerry’s data analysis.
Here are more companies that offer some of the best car insurance rates for drivers over 65.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Aspire Advantage | $92 |
| Progressive | $114 |
| The General | $123 |
| National General | $128 |
| Geico | $135 |
Drivers over 65 can find the best car insurance by choosing a policy that aligns with their driving habits. Seniors who don’t drive many miles can consider pay-per-mile car insurance, which can be a more affordable option for people who rarely drive. Many insurers also offer discounts to seniors who complete a defensive driving course, which not only sharpens driving skills but can also lower rates.
Learn more: Car insurance for seniors
How to get the best car insurance in Arizona
Follow these tips to find the best car insurance in Arizona:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
FAQs
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What is the best car insurance in Arizona?
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Who has the best car insurance rates in Arizona?
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How do I find the best car insurance in Arizona?
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
