Best Car Insurance in Arizona of 2025
Updated
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Arizona car insurance tends to be more expensive than the national average, and this can be tough on its drivers. Comparing quotes from several companies that offer some of the best car insurance in Arizona is key to scoring the best deal.
Check out our list of the best car insurance in Arizona below, along with some important advice for drivers to bear in mind while shopping.
Country Financial stood out as the best overall car insurance company in Arizona. Its rates were quite a bit under the state average with the typical annual premium coming in around $2,364. The company also has comprehensive policies and strong claims handling.
Geico is the top pick for drivers primarily concerned about price. It offers the cheapest average car insurance in the state with premiums costing about $1,320 per year.
Country Financial is also a strong contender for drivers with clean records. The state average for these drivers is $2,591 per year, but Country Financial will cover them for just $2,079 per year. It also backs it up with strong claims handling, which is a huge relief to drivers in the event of an accident.
State Farm scored the highest in the Southwest region of J.D. Power's most recent U.S. Auto Insurance Study. It also fared above average in its U.S. Auto Claims Satisfaction Study. The company has an A rating with the Better Business Bureau as well.
Price is most drivers' primary concern when shopping for minimum coverage, and Root Insurance offers the cheapest average rates at $352 per year. However, drivers should note that Root personalizes rates based on a driver's habits, which it tracks through the driver's phone GPS. This could be problematic for drivers who engage in risky behavior behind the wheel.
USAA is a strong contender for active-duty military members, veterans, and their family members. The company offers top-notch customer service, flexible policies, and average annual premiums of about $1,650.
Country Financial covers teen drivers for about $3,513 per year -- nearly half the state average of $6,752. In addition, the company offers several discounts targeted at teen drivers, including savings for good grades and completing a driver training program.
Travelers offers one of the most affordable average premiums for drivers with a single speeding ticket at $1,807 per year. This is well below the state average of $3,353 per year for these drivers.
Arizona car insurance premiums are slightly above the national average of $3,017 per year. However, a lot depends on the driver in question, where they live, their vehicle make and model, and more. The table below gives the average monthly and annual premiums for several common driver profiles within the state.
| Driver Persona | Average Monthly Premium | Average Annual Premium |
|---|---|---|
| Overall | $268.17 | $3,218 |
| Drivers with Clean Records | $215.92 | $2,591 |
| Teen Drivers | $562.67 | $6,752 |
| Senior Drivers | $199.33 | $2,392 |
| Military Drivers | $218.00 | $2,616 |
| Drivers with 1 Accident | $304.33 | $3,652 |
| Drivers With 1 Speeding Ticket | $279.42 | $3,353 |
| Drivers With 1 DUI | $339.17 | $4,070 |
| Drivers Seeking Minimum Coverage | $78.42 | $941 |
Here are a few Arizona auto insurance laws all drivers in the state should know.
Arizona is an at-fault state. In the event of a multi-car accident, the driver found to be at fault must pay for all parties' medical bills and property damage. This is different from no-fault states where each driver bills their own insurance for medical bills, regardless of fault.
Arizona drivers who fail to purchase at least state minimum insurance could face the following consequences:
To drive legally in Arizona, drivers must carry a minimum of:
Coverage is required not only for automobiles, but also golf carts, mopeds, and motorcycles.
All Arizona drivers must have at least the following auto insurance to drive legally:
Here are a few other things Arizona drivers should be aware of when shopping for car insurance:
State minimum car insurance enables a driver to operate their vehicle legally, but it might not be enough to protect them fully in the event of a severe accident. Once the insurer has paid up to the policy limit, it's off the hook. The driver will have to pay for the remaining damages out of pocket. Those who would like to avoid this should purchase higher policy limits whenever possible.
Arizona law requires liability coverage, which protects other drivers if the policyholder hits them. There's no built-in coverage for the policyholder's own vehicle. Those who want help with their own vehicle repairs after an accident should invest in collision and comprehensive coverage.
Here are a few tips to help Arizona drivers find the best rates on car insurance:
Country Financial is the best car insurance in Arizona. It offers below-average rates along with excellent customer service. But there are many other providers within the state worth considering as well.
Arizona drivers need car insurance at all times in order to legally operate a vehicle within the state. There is never a time when a driver can get behind the wheel without insurance in Arizona.
Arizona drivers who skip car insurance could face fines of up to $1,000 along with suspension of their driving privileges and vehicle registration for up to one year.
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The data found on this page is a combination of publicly available quote data obtained directly from the carrier as well as insurance rate data from Quadrant Information Services. These rates were publicly sourced from the top ten (10) to fifteen (15) carrier markets, within each state, based on annual written premium and should be used for comparative purposes only — your own quotes may be different.