Fact CheckedKey takeaways
GEICO is our top pick for Arizona drivers based on our analysis of factors like financial strength, customer experience and discount options.
American Family offers the best affordable car insurance compared to other companies.
Progressive has some of the best coverage add-ons for Arizona drivers.
Travelers combines affordable rates with lots of discount and coverage options.
Country Financial is our top pick for small or regional insurers that sell policies in Arizona based on its complaints scores and discount offerings.
NerdWallet’s editorial team collected and analyzed data on 19 auto insurers that sell policies in Arizona. We then scored each one for a variety of factors to determine the best car insurance companies in the state. A few of the categories we considered in our rankings were financial stability, digital experience, customer satisfaction and offered discounts.
Our top picks for February 2026 are:
Category winner | NerdWallet star rating |
|---|---|
Best overall pick: GEICO | |
Best budget pick: American Family | |
Best coverage add-ons: Progressive | |
Best ways to save: Travelers | |
Best regional pick: Country Financial |
- How we found the best car insurance companies
For our list of the best car insurance companies in Arizona, we only considered insurers that achieved a minimum NerdWallet star rating of 4.5. As we continue to evaluate more insurance providers and receive fresh market data, our list of best car insurance companies may change.
NerdWallet’s editorial team considers these factors when choosing the best auto insurance companies:
Financial strength: We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims.
Consumer experience: These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners (NAIC). We also look at survey data from J.D. Power’s yearly national and regional studies.
Digital ease of use: This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes the quality of information offered online, mobile app scores based on user ratings, and whether a user can start and track a claim, or get a quote online.
Ways to save: We look at the kinds of discounts a company offers and the total number of discounts available.
You can read our full auto insurance methodology to learn more.
- Why you can trust NerdWallet
Strict editorial guidelines to ensure fairness and accuracy in our coverage.
Thorough rating guidelines for evaluating auto insurance companies.
More than 120 million rates analyzed by our team of specialists.
More than 130 insurance companies analyzed in all 50 states and Washington D.C.
You can trust the prices we show because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which includes rates from every locale in a state where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
See what you could save on car insurance
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Best overall pick: GEICO
GEICO
- Often among the cheapest car insurance companies in NerdWallet's rates analyses.
- Many discounts available.
- Fewer complaints than expected for a company of its size.
- Doesn't offer gap insurance.
- Limited network of local agents.
- Below-average customer satisfaction for auto insurance claims in a recent J.D. Power study.
Why we picked it: GEICO earned the best possible ratings for financial strength (which indicates how reliable a company is at paying out claims) and discount options in our February 2026 analysis. It also scored highly for our digital customer experience category because of its app and website functionality, making it our best overall pick for Arizona drivers.
- Standout benefits
Number of discounts. GEICO offers a long and varied list of ways to save, including discounts for driving a new car, serving in the military and getting an online quote.
Digital experience. The GEICO mobile app boasts high user reviews in both the Google Play and Apple app stores. Its website provides helpful information about car insurance, including how much you can save with each discount.
» Read more: GEICO auto insurance review
- Average rates in Arizona
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,070 $527 One speeding ticket, good credit $2,151 $542 One at-fault crash, good credit $4,088 $1,099 One DUI, good credit $9,511 $2,892 Clean driving record, poor credit $2,831 $719 Rates refreshed February 2026.
Best budget pick: American Family
American Family
- Fewer customer complaints than expected for a company its size for auto and life insurance.
- Many coverage types offered.
- Wide range of discounts.
- Not available in all states.
Why we picked it: American Family often had some of the best rates for a variety of Arizona drivers in our February 2026 analysis. American Family also offers an excellent selection of coverage add-ons, and scored highly on our list of the best home and auto insurance bundles because of perks like diminishing deductibles and bundle savings of up to 40%.
- Standout benefits
Accident forgiveness. American Family offers accident forgiveness as an optional coverage. This add-on can keep your rates from increasing after your first accident, and you might qualify for free if you have a proven track record of safe driving.
Packaged travel coverage. You can opt into a car insurance plan from American Family that includes rental reimbursement coverage, roadside assistance and help with travel expenses if you’re involved in an accident away from home. It also covers accidental death and dismemberment which can help you manage the costs of dealing with serious losses.
Optional coverages. American Family also offers add-ons like original equipment manufacturer (OEM), rideshare and gap insurance to meet your coverage needs.
- Average rates in Arizona
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,419 $487 One speeding ticket, good credit $1,694 $602 One at-fault crash, good credit $2,140 $935 One DUI, good credit $2,038 $744 Clean driving record, poor credit $2,120 $726 Rates refreshed February 2026.
Best coverage add-ons: Progressive
Progressive
- Three different accident forgiveness programs, including two with automatic enrollment, available in certain states.
- If your pet is injured in a car accident and you have collision insurance, Progressive will help pay your vet bills in most states.
- Rideshare coverage available.
- Below average rating for claims satisfaction from J.D. Power.
Why we picked it: Progressive offers an excellent selection of optional coverages that set it apart, even from other top insurers. For example, you can choose add-ons that will pay for minor dents or mechanical repairs, and you can get up to $1,000 of vet bills reimbursed if your pet is injured in a covered accident and you have a full coverage policy.
- Standout benefits
Excellent mobile experience. Progressive’s mobile app has high customer ratings from both Android and Apple users. And while many insurers let you get a quote without speaking to an agent, you can actually get a quote and start a new Progressive policy entirely online.
Teen driver discount. Young drivers are often the most expensive to insure. Progressive offers discounts for adding a teen driver to your policy and for maintaining good grades, both of which may help manage that cost.
Coverage add-ons. We already highlighted that Progressive may cover minor damage repair and vet bills, but the company also offers custom parts coverage and gap coverage as add-ons. You can also add rideshare insurance to your Progressive car insurance policy.
» Read more: Progressive auto insurance review
- Average rates in Arizona
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $2,346 $888 One speeding ticket, good credit $3,264 $1,098 One at-fault crash, good credit $3,608 $1,234 One DUI, good credit $2,946 $1,030 Clean driving record, poor credit $3,706 $1,202 Rates refreshed February 2026.
Best ways to save: Travelers
Travelers
- Received fewer customer complaints than expected for auto insurance.
- Lots of coverage options for auto insurance.
- One of the largest insurance providers in the nation.
- Rideshare insurance is not available in all states.
Why we picked it: In our analysis of average rates from top insurers in February 2026, Travelers was one of the best budget-friendly options for Arizona drivers. But in addition to its excellent online experience and set of coverage add-ons, Travelers also offers a great variety of discounts to help you keep your car insurance affordable.
- Standout benefits
Accident forgiveness. Travelers offers two different accident forgiveness plans.
Decreasing deductible. If you are a safe driver, then Travelers’ premier safe driver plan could lower the cost of your deductible, or remove it completely if your car is totaled.
Bundling discount. You might be eligible for a car insurance discount from Travelers if you own a home or condo, even if you insure it through a different provider.
Coverage add-ons. Travelers offers both gap coverage and new car replacement as policy add-ons, and Arizona drivers might be able to get Travelers rideshare coverage as well.
» Read more: Travelers auto insurance review
- Average rates in Arizona
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $1,658 $534 One speeding ticket, good credit $2,119 $631 One at-fault crash, good credit $2,215 $674 One DUI, good credit $2,377 $721 Clean driving record, poor credit $2,496 $740 Rates refreshed February 2026.
Best regional pick: Country Financial
Country Financial
- Far fewer consumer complaints than expected for auto insurance.
- Offers several uncommon discounts.
- Offers fewer coverage options than some competitors.
- Not available in all states.
Why we picked it: It can be easy to focus on insurance companies with funny ads and catchy jingles, but some of the best car insurance companies are often small or regional carriers. Country Financial may not sell policies in every state, but it’s one of our top-rated picks for 2026 wherever it's available — including Arizona.
- Standout benefits
Diverse discounts. Country Financial offers many of the most common discounts, as well as some unusual ones. For example, you may be eligible for a discount for certain professionals (like a full-time teacher or first responder), and Country Financial’s good student discount applies to current students as well as college graduates under 25 years old.
Coverage options. You can add on things like new car replacement, windshield replacement and also trip interruption coverage, which can reimburse you for rental or hotel bills if you’re involved in an accident more than 100 miles from home.
Few complaints. Country Financial has one of the best customer complaints scores across the 19 insurers that we analyzed in Arizona.
- Average rates in Arizona
Driver profile Full coverage rate Minimum coverage rate Clean driving record, good credit $3,047 $952 One speeding ticket, good credit $3,594 $1,159 One at-fault crash, good credit $3,835 $1,220 One DUI, good credit $3,930 $1,266 Clean driving record, poor credit $3,944 $1,234 Rates refreshed February 2026.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
Other top car insurance companies in Arizona
If you’re looking for more car insurance companies in Arizona, here are a few more top insurers that earned a NerdWallet star rating of 4.5 or higher. Each one could be a great choice, depending on your driving history and coverage needs.
Company | Why we picked it |
|---|---|
Acuity | Best customer satisfaction |
Best for high-risk drivers | |
Best for older drivers | |
USAA* | Best for military households |
*USAA is available only to members of the military, veterans and their families. | |
- Find more auto reviews from NerdWallet
How much does car insurance cost in Arizona?
Your car insurance costs can change every year, or even every month — even if none of your personal details change. Insurers look at a wide range of factors when they set pricing, including age, location, vehicle information, driving history and coverage needs. External details like the economy and even weather trends can affect insurance prices too.
However, location is one of the biggest factors that determines your car insurance costs. Our car insurance calculator can show you average rates in your area so you have a better idea of what to expect to pay.
Enter your ZIP code to find the average monthly car insurance rate for your area. Rates are for policies that include full coverage for a 35-year-old driver with good credit and a clean driving record.
Average monthly car insurance rate in your ZIP code:
$0- How much car insurance drivers in Arizona need
All Arizona drivers are required to carry liability car insurance, which pays for others' injuries or property damage if you're responsible for an accident.
The minimum coverage requirements you must buy in Arizona are:
Bodily injury liability insurance that pays up to $25,000 per person injured, and up to a total of $50,000 per accident.
Property damage liability insurance that pays up to $15,000 per accident.
Arizona’s car insurance requirements may cover the cost of any damage, injuries or deaths you cause in a car accident, up to your policy’s predefined limits. But we recommend buying more than the minimum to avoid being left vulnerable to lawsuits or major accident bills.
You can also consider adding optional coverage types such as collision and comprehensive insurance, which pay for damage to or theft of your own vehicle. A minimum insurance policy in Arizona won’t cover this type of damage if you’re at fault for an accident.
How to choose the right insurer
Every driver is different, and that can make it hard to figure out which insurance company is the best option for you. Here are a few things you should expect from any top insurer:
Affordable pricing so you can actually get a policy. (This includes having a good variety of discounts.)
Coverage options in case you need specialty coverage or want more than the standard coverage limits.
Great customer service that can simplify the claims process if or when you need it.
Reliable reputation so you can have peace of mind that the company will be there for you.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
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 and full ratings methodology for auto insurance.
Here’s how we evaluated each car insurance company and the weights we placed on each category:
Financial strength (30%).
Consumer complaints (30%).
Ease of use (20%).
Affordability (20%).
The best auto insurers excel at all of these categories. They provide the information people need to make a purchase without any surprises along the way. They offer insurance at a fair price and provide more than one way to buy and manage a policy. They're financially strong and able to keep their customers happy throughout the relationship.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to 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
NerdWallet averaged rates based on public filings obtained by pricing analytics company Quadrant Information Services. We examined rates for men and women for all ZIP codes in any of the 50 states and Washington, D.C. Although it’s one of the largest insurers in the country, Liberty Mutual is not included in our rates analysis due to a lack of publicly available information.
In our analysis, “good drivers” had no moving violations on record; a “good driving” discount was included for this profile. Our “good” credit rates are based on credit score approximations and do not account for proprietary scoring criteria used by insurance providers.
These are median rates, and your rate will vary based on your personal details, state and insurance provider.
Sample drivers had the following coverage limits:
$100,000 bodily injury liability coverage per person.
$300,000 bodily injury liability coverage per crash.
$50,000 property damage liability coverage per crash.
$100,000 uninsured motorist bodily injury coverage per person.
$300,000 uninsured motorist bodily injury coverage per crash.
Collision coverage with $1,000 deductible.
Comprehensive coverage with $1,000 deductible.
In states where required, minimum additional coverages were added. We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect only the minimum coverage required by law in the state.
For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.
For drivers with a DUI, we added a single drunken-driving violation.
For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
We used a 2023 Toyota Camry LE in all cases and assumed 12,000 annual miles driven. We analyzed rates for 35-year-old drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different.
