Jeffrey Wade
Arizona's auto insurance rates are higher than the national average, so it's important to find the best deal. The cheapest car insurance companies in Arizona are Geico, Travelers, Progressive, USAA and State Farm.
Geico offers the cheapest car insurance rates in Arizona, with full coverage costing $1,466 per year or $122 per month on average.
State Farm has the best cheap car insurance in Arizona, at $125 per month for full coverage.
The best car insurance company in Arizona overall, according to NerdWallet, is Travelers.
Customer satisfaction
- State Farm: State Farm is consistently ranked highly for customer satisfaction. They have received excellent customer service scores from J.D. Power, and their mobile app has high user ratings for both iOS and Android devices. State Farm also earned first place for overall customer satisfaction in the Southwest region in the J.D. Power 2023 Auto Insurance Study.
- The Hartford: The Hartford, in partnership with AARP, offers attractive options for Arizona drivers over 50. While they have strong ratings from the Better Business Bureau and AM Best, their customer satisfaction scores are not available in some sources.
- Travelers: Travelers have received mixed reviews regarding customer satisfaction. They have a below-average customer satisfaction rating according to NerdWallet. However, they have a strong industry reputation and have performed well in J.D. Power's other studies.
- Geico: Geico maintains high ratings from the Better Business Bureau and AM Best, indicating responsiveness to customer complaints and a higher likelihood of paying out claims. They also offer a variety of discounts and have a long list of coverage options.
- Allstate: Allstate offers a claim satisfaction guarantee and a wide range of coverage options. They have mixed customer reviews, and their prices tend to be higher than average.
- American Family: American Family Insurance is ranked highly by NerdWallet for customer satisfaction, based on the low number of complaints relative to their size. They offer a wide range of coverage options and discounts.
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Affordability
The average cost of full-coverage car insurance in Arizona is $3,127 per year, or $261 per month. This is about 17% higher than the national average of $2,681 per year. The cheapest car insurance in Arizona is offered by Geico, with rates of $122 per month for full coverage and $43 per month for minimum liability coverage.
The cost of car insurance in Arizona varies depending on factors such as age, gender, driving history, and credit score. For example, young drivers typically pay much more for car insurance than older adults. The average rate for an 18-year-old driver in Arizona is more than triple the rate for a 30-year-old driver.
There are several ways to get cheap car insurance in Arizona. One way is to compare rates from multiple providers and look for deals in your area. Another way is to take advantage of car insurance discounts offered by many companies. Common discounts include multi-policy discounts, multi-vehicle discounts, good student discounts, and safe driver discounts.
Some companies also offer usage-based insurance programs that track driving habits and offer discounts for safe driving. For example, Progressive's Snapshot program has saved drivers an average of $231 per year.
It's important to note that the minimum required coverage in Arizona is $25,000 per person and $50,000 per accident for bodily injury, and $15,000 per accident for property damage. However, this may not be enough to cover all costs in the event of a major accident, so it's recommended to consider full-coverage insurance.
In conclusion, while the cost of car insurance in Arizona is higher than the national average, there are several ways to find affordable coverage. By comparing rates, taking advantage of discounts, and considering usage-based programs, Arizona drivers can get the best value for their money.
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Discounts
When it comes to auto insurance in Arizona, there are a variety of discounts that can help reduce your costs. Here are some common types of discounts offered by insurance providers in the state:
Multi-Policy Discounts
Arizona drivers can often save money by purchasing multiple insurance policies from the same company. For example, bundling home and auto insurance policies or insuring multiple vehicles with the same company can lead to significant discounts, typically ranging from 4% to 14%.
Safe Driving Discounts
Insurance companies often reward safe driving habits. If you have a clean driving record, free of accidents or tickets, you may be eligible for a safe driver discount. Additionally, completing an approved defensive driving course can result in a discount of around 4%. Some companies also offer telematics programs, which track your driving behaviour and offer discounts for safe practices.
Student Discounts
Insurance providers in Arizona may offer discounts for students, especially those with good grades. The criteria for these discounts may vary, but they typically reward full-time students with good academic standing. The savings can be substantial, ranging from 14% to 21% in some cases.
Occupational Discounts
Your profession can also play a role in determining your insurance rates. Certain occupations are considered lower risk by insurers, and as a result, professionals in these fields may be eligible for discounts. This includes doctors, nurses, teachers, firefighters, and law enforcement officers. The average discount for these professions can be around 11%.
Payment and Billing Discounts
Insurance companies often provide discounts for specific payment methods or billing preferences. Paying your premium in full, rather than in instalments, can lead to savings of up to 9%. Additionally, opting for paperless billing and receiving documents digitally can result in a discount of around 3%.
Vehicle Safety and Anti-Theft Features
If your vehicle is equipped with safety features like airbags and anti-lock brakes, you may be eligible for a discount. The average discount for these safety features is around 2%. Similarly, having anti-theft devices or vehicle recovery systems installed can also lower your insurance rates.
These are just some of the most common types of discounts available for auto insurance in Arizona. It's always a good idea to review your policy and ask your insurance provider about any applicable discounts you may qualify for.
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Financial strength
- State Farm: State Farm has an AM Best financial strength rating of A++. Although it is not the cheapest option for drivers with poor credit, State Farm offers excellent customer experience and a wide selection of discounts. It is the largest car insurance provider in the nation, according to the National Association of Insurance Commissioners (NAIC).
- The Hartford: The Hartford has an AM Best financial strength rating of A++. The company is an attractive option for Arizona drivers over 50 due to its partnership with AARP. However, it may not be the cheapest option for drivers under 50.
- Travelers: Travelers has an AM Best financial strength rating of A++. The company offers affordable coverage rates for all Arizona drivers and a wide choice of optional protections. It also has an excellent industry reputation and received strong scores in customer surveys.
- Geico: Geico has an AM Best financial strength rating of A++. The company offers the cheapest auto coverage in Arizona and maintains high ratings from the Better Business Bureau (BBB) and AM Best. Geico also has a long list of discounts available.
- Allstate: Allstate has an AM Best financial strength rating of A+. The company offers a wide range of coverage options and two distinct usage-based auto insurance programs. However, prices tend to be higher than average.
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Complaints
While there are many factors that determine the quality of an insurance company, customer complaints are a good indicator of the level of satisfaction of the insured. Here is a list of insurance companies in Arizona, along with information about their 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.
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. State Farm also has excellent customer service scores from J.D. Power and ValuePenguin editors.
The Hartford
The Hartford ranked fifth overall in the J.D. Power 2024 Insurance Shopping Study. The company also received a solid score in the 2024 U.S. Auto Insurance Study. Keep in mind that you must be an AARP member to get access to Hartford Insurance.
Travelers
Travelers received a below-average score in the Southwest region of the J.D. Power U.S. Auto Insurance Study. However, it performed well in the publication's other studies and received strong scores in customer surveys.
Progressive
Progressive scored below the J.D. Power segment average for customer satisfaction in the Southwest region. It also scored below the industry average for claims satisfaction in the J.D. Power 2023 U.S. Auto Claims Study.
Geico
Geico maintains high ratings from both the Better Business Bureau and AM Best, which means it does a good job of responding to customer complaints and has a higher likelihood of paying out claims.
Allstate
Allstate offers a claim satisfaction guarantee. However, it has received mixed customer reviews.
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Frequently asked questions
AZ Auto Insurance is a reputable company that offers a range of coverage options and discounts. They have received positive reviews for their customer service and claims handling. However, it is always a good idea to compare quotes from multiple providers to ensure you are getting the best rate and coverage for your needs.
AZ Auto Insurance offers a variety of benefits to its customers, including 24/7 customer support, a wide range of coverage options, and competitive pricing. They also have a fast and efficient claims process, which can be initiated online or through their mobile app.
AZ Auto Insurance compares favorably to other insurance companies in terms of pricing, coverage options, and customer service. They have a strong financial rating, indicating their ability to pay out claims. However, it is always a good idea to compare quotes and coverage details from multiple providers before making a decision.
AZ Auto Insurance offers a range of coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection. They also offer additional coverage options such as rental reimbursement and roadside assistance. It is important to review their specific coverage details and exclusions to ensure they meet your needs.
