Best Car Insurance in Arizona of 2020

From the rock buttes of Monument Valley to the lush forests of the Salt and Verde River basins, Arizona has some of the most spectacular landscapes in the country. The best way to enjoy The Grand Canyon State is by car. Whether you live in the hustle and bustle of Phoenix or a secluded outpost in the Sonoran Desert, you need car insurance before you get behind the wheel.364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. Back
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Are you insuring multiple vehicles?

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Are you currently insured?

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No

Are you a homeowner?

Yes

No

Age

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Hongshan, HB
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Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance In 2019, over 8.8 million registered vehicles occupied Arizona’s roads and highways. Almost 130,000 automobile crashes occurred the same year, resulting in 911 fatalities and 36,926 injuries. So, you can see why it is so important to protect yourself against damage, loss and injury before you hit the road.
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Close Icon Close Icon The widget will live hereWhen shopping for Arizona car insurance, follow the advice of the National Association of Insurance Commissioners and Insurance Information Institute, two of the nation’s top insurance authorities:
Research insurance rates for each make and model that interests you.
Research how factors such as credit and driving history affect your insurance rate.
Visit the Arizona Department of Insurance website to find out how much insurance the law requires.
Shop around and get insurance quotes from several companies.
When speaking with insurance agents, find out what each type of car insurance policy covers.
Ask agents about discounts, including premium reductions for bundling homeowners and car policies. Some insurance companies also offer group discounts for members of professional associations or alumni groups.
Read the details of insurance quotes, paying close attention to limits and deductibles. If you own an older car, consider raising deductibles or dropping coverage such as collision and comprehensive insurance.
Check with the ADI to make sure the company you choose holds a current license.
Purchase car insurance before you drive off the lot.
With those in mind explore some of the best options for Arizona auto insurance.The best car insurance companies in ArizonaFinding the best car insurance in Arizona might seem daunting, but with a little guidance, you can find the right fit. Each year, J.D. Power and Associates conducts an exhaustive study of car insurance companies to find the best in the business. Using a scoring system, J.D. Power produces regional reports that rates companies’ performance. In its 2020 U.S. Auto Insurance Study, J.D. Power’s top five Southwest region car insurance companies include:

Car Insurance Company
J.D. Power Score (out of 1,000)
Average Minimum Coverage Rate
Average Full Coverage Rate

American Family
834/1,000
$818
$2,192

Geico
834/1,000
$259
$892

Allstate
830/1,000
$458
$1,599

The Hartford
829/1,000
$374
$1,193

State Farm
826/1,000
$453
$1,194

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Shop rates and compare quotes

Get personalized auto insurance quotes by answering a few quick questions

Are you insuring multiple vehicles?

Yes

No

Are you currently insured?

Yes

No

Are you a homeowner?

Yes

No

Age

364925BF-22D7-405E-BBD3-A35489D76575 Created with sketchtool. 16-2021-2425-3435-4445-5455-6465+
ZIP Code

Hongshan, HB
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Quick Facts
Save $741 on average this year by shopping for new car insurance Rates vary by state up to 400% The average American pays $129/month for auto insurance Car insurance discounts in ArizonaThere are plenty of ways to save on your car insurance. Most insurance companies offer discounts to help you reduce your premium rates. In Arizona, The Hartford offers numerous ways to save, including:
Anti-theft device discounts for vehicles equipped with car alarms and tracking devices.
Air bag discounts for suitably equipped automobiles.
Fuel type discounts for electric and hybrid vehicles.
USAA rewards its military families with:
Family discounts for the children of military members who continue the USAA coverage their parents purchased for them.
Longevity discounts for policyholders who continuously renew their USAA coverage.
Military installation discounts for policyholders who store their vehicles on military bases.
Arizona State Farm customers can reduce their rates with:
Accident-free discounts when they maintain an accident-free driving record for three consecutive years.
Driver training discounts when all drivers in a household complete an approved driver education class.
Good student discounts for students under the age of 25 when they make the Honor Roll or rank in the top 20% of their classes.
Frequently asked questionsWhat is the cheapest car insurance in Arizona?Arizona insurance rates are based on several factors, including the driver’s age, the make and model of the insured vehicle and a policyholder’s driving history.What information is needed to get car insurance in Arizona?When you contact an insurance company for a quote, an agent will need to know your age, location, make and model of your vehicle, annual mileage and information about your driving record.Does Arizona require car owners to have insurance?Arizona requires car owners to carry minimal amounts of bodily injury and property damage insurance.Does Arizona require drivers to have uninsured and underinsured motorist insurance?Arizona does not require car owners to purchase uninsured and underinsured motorist coverage. MethodologyBankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a cleaning driving record, good credit and the following full coverage limits:
$100,000 bodily injury liability per person
$300,000 bodily injury liability per accident
$50,000 property damage liability per accident
$100,000 uninsured motorist bodily injury per person
$300,000 uninsured motorist bodily injury per accident
$500 collision deductible
$500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually. These are sample rates and should be used for comparative purposes only. Your quotes may be different.

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