Best Car Insurance Companies in Arizona

The best car insurance companies in Arizona include Allstate, Farmers, and GEICO. Average car insurance rates for Arizona drivers are $70.33/month depending on a number of factors.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 2, 2022

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Here's what you need to know...

  • The state of Arizona has approved more than 120 auto insurance companies
  • GEICO, Allstate, Nationwide and State Farm all operate in Arizona
  • Smaller companies such as Warner, American Sterling, Automobile Insurance Company of Hartford, Security Insurance Company and American Home Assurance also offer insurance plans in Arizona

As is the case in all other states, the state of Arizona approves individual auto insurance companies to operate within the state and provide citizens of Arizona with the car insurance that the state requires.

The state of Arizona has approved more than 120 auto insurance companies. The benefit to the consumer is that the car insurance business in Arizona is highly competitive, ensuring that consumers have a wide array of choices.

We have a free comparison tool that will let you compare quotes from different companies, all you need to do is enter your ZIP code.

What companies operate in Arizona?

All of the major, well known companies operate in Arizona, but many smaller companies operate there as well. Virtually everyone has heard about GEICO, Allstate, Nationwide, and State Farm, all of which operate within Arizona.

However, many fewer individuals are familiar with companies such as Warner, American Sterling, Automobile Insurance Company of Hartford, Security Insurance Company, and American Home Assurance.

All five of these companies also offer auto insurance in Arizona, along with approximately 100 others that are not well-known national companies.

There can be many benefits should you choose a lesser known company as an option for your insurance policies. You may have access to their specialty discounts, or even cheaper auto insurance quotes than what the major companies offer. It never hurts to look at what is on the market.

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What is the average cost of car insurance in Arizona?

The good news is that all of these companies compete for Arizona consumers’ business. That means that their rates need to be competitive.

With a cursory investigation into price comparisons, the consumer can find the lowest car insurance rates that suit the individual consumer’s needs.

Statewide, car insurance rates are slightly higher than the national average of $1,440. Car insurance rates also fluctuate in various areas of Arizona.

The average annual car insurance rate in Yuma is $1,360, but the average in Peoria is $1,827. Average annual rates in other Arizona cities are between those two figures. As

What are the best companies for car insurance in Arizona?

What constitutes the “best” company is different for different people. Some want local agents that will come to their location in the event of a problem that leads to a claim. Others are only looking at the cheapest rates that are being offered.

Some want a local agent they can speak to face to face, while others are content with having only online or telephone contact with their insurance company. Some consumers want highly personalized service, but others want as little individual contact as possible.

There are many variations that affect the rates that Arizona car insurance companies charge. Major, national companies operating in Arizona include:

  • Allstate
  • Farmers
  • Hartford
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • State Farm
  • Travelers

Most of these major companies have large advertising budgets and high operating costs because they have higher numbers of customers. They also have more customers and greater revenues.

Because of their greater revenues, some are willing to negotiate with customers who find lower rates elsewhere. Spending some time making online price comparisons can gain customers lower rates with only a phone call.

Smaller companies may also be willing to deal and to match lower car insurance quotes as well. Smaller companies almost always seek to grow and to do that they need greater numbers of customers.

As all car insurance companies approved by the state of Arizona to operate within the state have to provide the levels of coverage required by state law, the products they offer are similar.

Some of the smaller companies operating in Arizona are:

  • American Fire & Casualty
  • California Casualty
  • Colorado Casualty
  • Firemans Fund
  • Insurance Company of the State of Pennsylvania
  • National Interstate
  • Phoenix Indemnity
  • Security Insurance Company
  • Union Insurance Company of Providence
  • Western Agricultural

Which company will be the best for you?

The same way that a car insurance company looks at certain factors to determine individual rates, you should consider a variety of things when looking for an insurer. Make sure that big or small, the company you choose cares about customer satisfaction, and that they are going to be around for a long time. Check their financial strength rating, and compare them against other affordable rates on the market.

Every customer has to decide what is most important. Personal preference defines to some extent what constitutes “best.” However, virtually everyone wants to save money.

Quick and easy online price comparisons can highlight which companies offer the greatest value about what an individual customer wants from a car insurance company.

Every Arizona car insurance customer needs to define what he or she wants from an insurance company and then interview companies to see if they can meet those wants.

The “best” insurer for any individual customer is one that offers all of the services that their looking for at a price that is considered affordable.

Making online price comparisons can provide the customer with an idea of what is reasonable within the state of Arizona. You can also get a better idea of what the average rates will be, and find an insurer that meets all of your needs.

Car insurance companies cannot remain open if they do not meet the needs of the customer while it also meets the requirements of the state of Arizona. Consumers who take the time to conduct online price comparisons will reap the benefits of their detective work.

Enter your ZIP code below and compare car insurance with our free comparison tool.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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