The Best Car Insurance in Arizona in 2024

Travelers is the best car insurance company in Arizona overall, according to NerdWallet’s analysis.
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Written by Drew Gula
Lead Writer
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Edited by Lacie Glover
Assigning Editor
Fact Checked

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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 20 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 list of the best insurers in the state, 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.

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Best car insurance in Arizona overall: Travelers

We compared 20 companies to find the best Arizona car insurance, and Travelers had the highest overall score 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 Travelers auto insurance review to see why this insurer came out on top.

Best overall
insurance-product-card-logo

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected
Best overall

Travelers

5.0

NerdWallet rating 
Travelers offers a broad range of coverage options and discounts to help you customize your car insurance policy.

Discounts

Great set of discounts

Ease of use

Above average

NAIC complaints

Fewer than expected

Best Arizona car insurance for your budget: Auto-Owners

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 $1,466 a year, or about $122 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 which one 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

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected
Best budget pick

Auto-Owners

5.0

NerdWallet rating 
People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints.

Discounts

Great set of discounts

Ease of use

Average

NAIC complaints

Far fewer than expected

Best Arizona car insurance for customer complaints: American Family

American Family is the best car insurance company in Arizona in terms of customer satisfaction, based on the number of complaints to state regulators for a company of its size. This is based on a comparison across auto insurers with a NerdWallet 5.0-star rating that operate in Arizona.

You can learn more about how American Family insurance works in our American Family auto insurance review.

Best for customer complaints
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

Above average

NAIC complaints

Far fewer than expected
Best for customer complaints

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

Above average

NAIC complaints

Far fewer than expected

Best Arizona car insurance for ease of use: State Farm

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

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 20 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 

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

How to get the best car insurance in Arizona

Still not sure which company to go with? Try these tips:

  • Assess your needs. Evaluate your own needs and preferences before deciding on a car insurance company, since everyone’s needs are different. For example, one person might prioritize a company with strong customer service and a low-mileage discount, while another may prize affordability and a well-polished mobile app.

  • Do your research. While the companies on this page represent solid choices, you may want to explore other options. Whichever insurer you go with, make sure they’re financially stable, have few customer complaints and offer the coverage you need at a competitive price. You can also check out our full list of auto insurance reviews.

  • Consider small insurance companies. Small, regional insurers may provide a better price and customer service than the big companies you see advertised on TV. You might have to recruit the help of a local independent car insurance agent to find them.

  • Shop around once a year. Make a practice of shopping for car insurance quotes about once a year — especially if price is important to you. Insurers adjust car insurance rates regularly, so a company that gave you the best rate last year might no longer be a bargain this year. Be sure to get quotes from at least three insurers, and for the most accurate comparison, use the same or similar coverage options and deductibles while shopping around.

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 and full ratings methodology for auto insurance.

Here’s how we evaluated each car insurance company in 2024 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 2020-2022. 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 2021 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.

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