The Best Car Insurance in Arizona in 2023

American Family is the best car insurance company in Arizona overall, according to NerdWallet’s analysis.
Drew Gula
By Drew Gula 
Published
Edited by Ben Moore

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The trick to picking the best car insurance in Arizona is to think about what matters most to you because every driver has different needs and priorities to consider.

Insurance companies can be a good choice for a lot of different reasons, like how easy it is to file a claim or how helpful their customer service agents are. You can also choose between big national insurers or regional companies, which may offer a better customer experience.

But with so many factors involved, it can be tough to find the best car insurance. That’s why NerdWallet analyzed 25 insurance companies in Arizona to find the best options for these categories:

And if you’d rather browse a full list of the best car insurance companies in Arizona, you can jump to the bottom of the page.

NerdWallet’s editorial team considered pricing, discounts, complaint data from the National Association of Insurance Commissioners and more to determine the best car insurance companies in Arizona. Our “ease of use” category includes factors such as website transparency and how simple it is to file a claim. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies is likely to change over time. In our analysis, we only include insurance companies that have achieved a minimum NerdWallet star rating of 4.5.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our coverage so you can choose the insurance company that works best for you. Our ratings are specific to auto insurance; a company's rating for other products may be different on our site. See our criteria for evaluating auto insurance companies.

Best car insurance in Arizona overall

We compared 25 companies to find the best Arizona car insurance, and American Family had the highest overall NerdWallet star rating out of all the top-rated options. NerdWallet’s star ratings focus primarily on factors that might affect a customer’s experience with the company.

Read our American Family auto insurance review to see why it comes out on top.

Best star rating
insurance-product-card-logo

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best star rating
insurance-product-card-logo

American Family

5.0

NerdWallet rating 
American Family offers a wide range of coverage, including rideshare and gap insurance, but doesn’t sell policies in all states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Arizona car insurance for your budget

The best car insurance may not necessarily be the cheapest, but it’s possible to find a great option that is also budget-friendly. For Arizona drivers, the cheapest top-rated company is Auto-Owners. Our analysis showed that the average rate for full coverage insurance from Auto-Owners is $1,167 a year, or about $97 a month for Arizona drivers. (However, your rate may be different.)

You can find out other details about this insurer in our Auto-Owners insurance review.

🤓Nerdy Tip

We don’t have data for every single company that offers coverage to Arizona drivers, so compare car insurance rates from several companies to make sure Auto-Owners is the cheapest for you.

Check out NerdWallet’s analysis of cheap car insurance in Arizona for a more detailed breakdown of the most affordable insurers in your state.

Best budget pick
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
Auto-Owners offers generous perks and a wide range of coverage options but is available in only 26 states.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Far fewer than expected
Best budget pick
insurance-product-card-logo

Auto-Owners Insurance

5.0

NerdWallet rating 
Auto-Owners offers generous perks and a wide range of coverage options but is available in only 26 states.

Discounts

Great set of discounts

Ease of use

Below average

NAIC complaints

Far fewer than expected

Best Arizona car insurance for customer satisfaction

Country Financial is the best car insurance company in Arizona in terms of customer satisfaction. It has the fewest customer complaints to the state's insurance regulators for a company of its size out of all of NerdWallet’s 5 star-rated insurers in Arizona.

You can learn more about how Country Financial insurance works in our Country Financial auto insurance review.

Best for customer satisfaction
insurance-product-card-logo

Country Financial

5.0

NerdWallet rating 
Country Financial has few customer complaints for auto insurance but is available in only 19 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best for customer satisfaction
insurance-product-card-logo

Country Financial

5.0

NerdWallet rating 
Country Financial has few customer complaints for auto insurance but is available in only 19 states.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Arizona car insurance for ease of use

State Farm is the best car insurance company in Arizona in terms of how easy it is to use and navigate the company website and mobile app. Drivers can view their policy and submit claims online, and the State Farm mobile app has high user ratings for iOS and Android devices.

Read our State Farm auto insurance review to learn more.

Best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best for ease of use
insurance-product-card-logo

State Farm

5.0

NerdWallet rating 
State Farm offers numerous discounts and extras including travel expense coverage, making it a good choice for most drivers.

Discounts

Average set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Full list of the best car insurance companies in Arizona

If you’re looking for more options, NerdWallet analyzed 25 car insurers to find the best car insurance companies in Arizona. Here are the insurers that earned a NerdWallet star rating of 4.5 or higher.

Company

Star rating

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

5.0

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

4.5

NerdWallet rating 

*USAA is available only to active-duty military members, veterans and their families.

Methodology

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

Average rates methodology For our “good driver” profile, NerdWallet averaged insurance estimates from an average of 14 insurers in each state and Washington, D.C., for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

To determine the cheapest top-rated company in each state, we compared full coverage insurance rates for 35-year-old drivers with a clean driving history and good credit (where applicable). We also used a 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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