Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 1, 2020

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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 asqWarner, 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.

Use our FREE comparison tool above to help save on car insurance! Simply enter your ZIP code now!

Table of Contents

What companies operate in Arizona?

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

Free Car Insurance Comparison

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Free Car Insurance Comparison

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

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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?

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.

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
  • Geico
  • 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 also may 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

Deciding What is Best

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” company for any individual customer is one that offers all of the services that the customer wants at prices that are acceptable to the customer.

Making online price comparisons can provide the customer with an idea of what is reasonable within the state of Arizona.

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 into our FREE comparison tool!

References:

  1. https://www.thehartford.com/
  2. https://www.statefarm.com/
  3. https://www.farmers.com/auto/reduce-premiums/
  4. http://www.arizonagroup.com/insurance-company/colorado-casualty-insurance-company
  5. http://www3.ambest.com/ratings/entities/CompanyProfile.aspx?ambnum=2346&URatingId=154259&bl=0&AltSrc=1&PPP=&AltNum=190346&Ext_User=&Ext_Misc=