Best Car Insurance in Arizona of April 2024

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.

Best auto insurance in Arizona:

• Best overall: Country Financial
• Best budget pick: Geico
• Best for typical drivers: Country Financial
• Best for customer satisfaction: State Farm
• Best for minimum coverage: Root Insurance
• Best for military veterans: USAA
• Best for teen drivers: Country Financial
• Best for drivers with one speeding ticket: Travelers

Best car insurance in Arizona overall: Country Financial

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.

Best budget pick: Geico

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.

Best for typical drivers: Country Financial

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.

Best for customer satisfaction: State Farm

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.

Best for minimum coverage: Root Insurance

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.

Best for military veterans: USAA

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.

Best for teen drivers: Country Financial

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.

Best for drivers with one speeding ticket: Travelers

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.

How much does car insurance cost in Arizona?

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.

Arizona auto insurance laws

Here are a few Arizona auto insurance laws all drivers in the state should know.

Arizona is an at-fault state

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.

Consequences for driving without insurance in Arizona

Arizona drivers who fail to purchase at least state minimum insurance could face the following consequences:

• First violation: Fine of at least $500 and suspension of driving privileges for three months
• Second violation within three years: Fine of at least $750 and suspension of driving privileges and vehicle registration for six months
• Third violation within three years: Fine of at least $1,000 and suspension of driving privileges and vehicle registration for one yearArizona minimum coverage requirements

To drive legally in Arizona, drivers must carry a minimum of:

• Bodily injury liability coverage of $15,000 per person and $30,000 per accident
• Property damage liability coverage of $10,000

Coverage is required not only for automobiles, but also golf carts, mopeds, and motorcycles.

What is the minimum car insurance required in Arizona?

All Arizona drivers must have at least the following auto insurance to drive legally:

• $25,000 of bodily injury liability coverage per person
• $50,000 of bodily injury liability coverage per accident
• $15,000 of property damage liability coverage

Other things to consider when looking for car insurance in Arizona

Here are a few other things Arizona drivers should be aware of when shopping for car insurance:

State minimum coverage may not be enough

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.

State minimum coverage doesn't protect the policyholder's vehicle

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.

How to find the best car insurance in Arizona

Here are a few tips to help Arizona drivers find the best rates on car insurance:

• Shop around: Comparing rates from several providers is the best way to find a great deal. Don't just look at price, though. Pay attention to customer reviews and available coverage options as well.
• Review available discounts: Pretty much all insurers reward drivers for things like safe driving. But some have less common car insurance discounts for things like owning a hybrid vehicle or belonging to a certain affinity group. Drivers who think they may qualify for these discounts may want to seek out insurers that offer them.
• Raise the policy's deductible: A higher deductible reduces monthly premiums. But drivers who do this may want to save for the deductible in an emergency fund so they're not caught off guard in the event of an accident.