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Last updated: December 1, 2025Best Auto Insurance in Arizona of 2025
Travelers, USAA, State Farm, CSAA (AAA), and GEICO are our top picks in Arizona.
Cheapest
Editor's Rating:4.1/5
Full Coverage Averages in AZ
- Annual premium: $1,708
- Monthly premium: $142
Best for Military/Veterans
Editor's Rating:5/5
Full Coverage Averages in AZ
- Annual premium: $1,855
- Monthly premium: $155
Best for Bundling
Editor's Rating:4.9/5
Full Coverage Averages in AZ
- Annual premium: $2,120
- Monthly premium: $177
Key Takeaways
- Travelers offers the cheapest full coverage auto insurance in Arizona, while CSAA (AAA) has the best customer service record. Drivers looking to bundle policies, senior drivers, and military drivers may find the best coverage from State Farm, GEICO, and USAA, respectively.
- Auto insurance in Arizona is relatively expensive compared to the national average. Full coverage costs $2,676 annually on average, while minimum coverage costs an average of $1,022 annually.
- Keep in mind that the rates listed here are averages and may not match your exact quote, but they serve as a reliable benchmark for comparing companies.
Summary of the Best Auto Insurance in Arizona
- Cheapest: Travelers
- Best for Military and Veterans: USAA
- Best for Bundling: State Farm
- Best for Customer Service: CSAA (AAA)
- Best for Seniors: GEICO
Compare the Best Cheap Auto Insurance in Arizona
| Company | Full Coverage Monthly Avg. in AZ | Minimum Coverage Monthly Avg. in AZ | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| Travelers | $142 | $52 | Below average |
| USAA | $155 | $54 | Above average |
| State Farm | $177 | $68 | Above average |
| CSAA | Data not available | Data not available | Above average |
| GEICO | $170 | $61 | Below average |
| Arizona | $223 | $85 | – |
Breaking Down the Best Cheap Auto Insurance in Arizona
1. Cheapest - Travelers
What We Like Most:
- Cheap rates for most Arizona drivers
- Many affinity discounts
- Wide selection of coverages
Why we chose it
Travelers is one of the top ten largest providers in the United States, and it offers the cheapest rates in Arizona for multiple driver categories. It also offers numerous discounts, including for bundling, good students, and hybrid/electric vehicles. Its telematics driving program, IntelliDrive, can help customers lower their rates even further.
Travelers advertises that customers can save up to 30 percent by enrolling in the program. However, it’s important to note that riskier driving behaviors recorded by IntelliDrive may lead to higher premiums. In addition, Travelers offers gap insurance — which not every provider does — making it a good option if you lease or finance your car.
Who it’s best for
Drivers on a budget, electric or hybrid vehicle owners, drivers with speeding tickets or DUIs
DID YOU KNOW?
There are nearly 90,000 electric vehicles registered in Arizona.1
Travelers Arizona Pricing
| Travelers | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $142 | $52 |
| Annually | $1,708 | $629 |
| Difference from Arizona average | -36% | -38% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Excellent customer satisfaction ratings
- Military-specific coverage and support
- Low-mileage telematics program
Why we chose it
Arizona is home to nearly 500,000 veterans and almost 100,000 active duty members, National Guard members, and spouses/children of service members.2,3 Like State Farm, USAA is known nationally for its high standard of customer service and has received consistently high scores from J.D. Power.
If you’re out of state because of deployment or a duty station, you can keep your vehicle in Arizona and save with a USAA storage discount. USAA also has a low-mileage telematics program called SafePilot Miles, which is available in 20 states (including Arizona). It can earn you a large premium discount if you don’t drive often (8,000 or fewer miles per year) and drive safely.
Who it’s best for
Military members, veterans, and their families (including those stationed abroad), low-mileage drivers
USAA Arizona Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $155 | $54 |
| Annually | $1,855 | $652 |
| Difference from Arizona average | -31% | -36% |
3. Best for Bundling - State Farm
What We Like Most:
- Personalized service from local agents
- Various bundling options
- Various bundling options
Why we chose it
With hundreds of agents in over 60 Arizona cities, State Farm is one of the largest auto insurance providers in the Grand Canyon State. State Farm has some of the best customer service ratings compared to other major national insurers and is one of only four companies to score above average for Southwest customer satisfaction in J.D. Power’s study.
State Farm is worth considering if you’re a homeowner or want to bundle another policy type with your car insurance. The company offers discounts for bunding auto with home, condo, renters, or life insurance. While it doesn’t advertise a maximum percentage discount, State Farm states that those who bundle home and auto can save up to $1,356 per year, and those who bundle renters and auto can save up to $834.
Who it’s best for
Safe drivers, people interested in bundling home and auto, households with young drivers
State Farm Arizona Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $17 | $68 |
| Annually | $2,120 | $821 |
| Difference from Arizona average | -21% | -20% |
4. Best for Customer Service - CSAA (AAA)
What We Like Most:
- Strong customer service record
- Top-notch roadside assistance
- Added perks for members
Why we chose it
CSAA is an affiliate of AAA that operates in 24 states, including Arizona. It ranked first for customer satisfaction for the Southwest region in J.D. Power’s most recent Auto Insurance Study, and it also has an overall rating of B- from the CRASH Network and a rating of B in the Rocky Mountains region.
You must be an AAA member to access auto insurance policies from any of its affiliates, so CSAA insurance is a particularly good option if you’re already a member. However, if you drive a lot and are interested in roadside assistance, AAA’s coverage is top-notch, and membership provides additional benefits and discounts that can make the price worthwhile.
Who it’s best for
Drivers looking for the best customer service, existing AAA members or those who want to become members
5. Best for Seniors - GEICO
What We Like Most:
- Competitive rates in Arizona
- Long list of discounts
- Easy online quotes
Why we chose it
Because of its comparatively lower cost of living, warm weather, and outdoor activities, Arizona is a popular retirement destination for seniors in the US. If you’re one of the many seniors who made the move to retire in Arizona, GEICO may be a good choice for you. GEICO offers some of the most reasonable rates in Arizona, as well as a variety of discounts and comprehensive online tools.
In addition, drivers over 50 are eligible for GEICO’s Prime Time offering, which is only available in 30 states, including Arizona. With a Prime Time contract, you won’t have to worry about potential non-renewals, as it guarantees the renewal of your policy from year to year. It’s available to senior drivers who have no operators under 25, have been violation-free for the past three years, and don’t use their vehicle for business purposes.
Who it’s best for
Senior drivers, people who prefer to manage their policy online, federal government employees (active or retired)
GEICO Arizona Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $170 | $61 |
| Annually | $2,034 | $735 |
| Difference from Arizona average | -24% | -28% |
Best Cheap Picks in Arizona — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest4 | CRASH Network Report Card5 | J.D. Power Claims Satisfaction6 | NAIC Complaint Index7 |
|---|---|---|---|---|
| Travelers | 626 | C | 691 | 0.27 |
| USAA | 720 | D+ | 741 | 2.74 |
| State Farm | 648 | C- | 716 | 2.15 |
| CSAA (AAA) | 676 | B- | 720 | 2.94 |
| GEICO | 624 | C- | 697 | 1.95 |
| Average | 636 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Arizona
Full Coverage Rates in Arizona
The average cost of full coverage auto insurance in Arizona is $2,676 per year, or $223 per month, which is about 12 percent higher than the national average.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Arizona average | $2,676 | $223 |
| National average | $2,399 | $200 |
Minimum Coverage
Minimum coverage insurance in the Copper State is $1,022 per year on average. That’s a significant increase of almost 70 percent over the national average of $635.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Arizona average | $1,022 | $85 |
| National average | $635 | $53 |
Cost of Auto Insurance in Arizona by City
Auto insurance premiums are based on multiple factors, including driving history, age, and location. Depending on where you are located in Arizona, you may find your premiums differ from the statewide average.
For example, of the state’s major cities, Phoenix has the highest average rates at $2,834 annually. Meanwhile, residents of Surprise pay around $2,301 per year for car insurance.
How Many Car Accidents Happen in Arizona?
According to the most recent data from the Arizona Department of Transportation, there were 121,107 car crashes in Arizona in 2024.8 Over one thousand of those crashes were fatal, another 37,376 caused injuries, and 82,614 involved only property damage.
Pedestrians were involved in 2,079 crashes, and bicyclists were involved in 1,379. Over 300 fatal crashes were alcohol related. Most accidents occurred in October, but most fatal crashes occurred in April. The most dangerous day of the week, which tracks with a lot of other states’ data, was Friday.
Minimum Auto Insurance Requirements in Arizona
The minimum auto insurance coverage limits in Arizona are required to legally drive as a resident of the state. They are as follows:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000 per accident
Like most state minimum coverage limits, Arizona’s are low and likely won’t adequately cover expenses after a serious accident. For added peace of mind, it’s a good idea to get higher limits if you can. Keep in mind that minimum coverage does not cover damage to your own car. If that’s important to you, you’ll need full coverage.
Methodology
To identify the top car insurance companies in Arizona, we assessed providers across four main areas — cost, claims handling, customer experience, and coverage selection. Here’s a closer look at how each category was evaluated:
- Pricing (40%): We looked at average annual costs for full and minimum coverage for good drivers in Arizona. We also examined average premiums for high-risk driver profiles, including those with an at-fault accident, DUI, or speeding ticket. Finally, we reviewed available discounts and whether they featured significant saving opportunities like usage-based, bundling, and safe driver discounts. We base our minimum coverage limits on state laws, and use the following limits for full coverage:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): We prioritize a company’s ability to provide a timely and fair claims process. Our review included third-party reports, such as J.D. Power’s Claims Satisfaction Report, focusing on companies serving drivers in Arizona. Additionally, we consulted AM Best for financial strength ratings to ensure providers are capable of fulfilling claims payouts.
- Customer Experience (25%): We assessed the journey of obtaining a quote, purchasing a policy, and interacting with the insurer based on the ease of the online quote retrieval and buying process. We also reviewed third-party data from sources like J.D. Power’s Auto Insurance and Digital Experience Studies.
- Coverage Options (10%): We prefer companies that offer additional options beyond minimum coverage requirements in Arizona. This includes gap coverage, accident forgiveness, and roadside assistance.
Learn more about our ratings and methodology sources.
Frequently Asked Questions
On average, Travelers, USAA, and GEICO are the cheapest car insurance companies in Arizona for full coverage. The cost of car insurance for full coverage can be as low as $142 per month with Travelers. For minimum coverage, Auto-Owners and Travelers have the cheapest rates. However, auto insurance rates vary based on your ZIP code, driving record, and other factors, so your premium will vary.
According to the Department of Insurance and Financial Institutions, drivers in Arizona are required to have at least the following coverages to drive legally:
- $25,000 for bodily injury for one person
- $50,000 for bodily injury for two or more persons
- $15,000 for property damage liability
According to the Arizona Motor Vehicle Division, these are the penalties for being convicted of a DUI:
| Penalty | First offense | Second and subsequent offenses |
|---|---|---|
| Jail time | 10 days | 90 days |
| Fine | $1,250 | $3,000 |
| License suspension | n/a | 1 year |
| Ignition interlock requirement | Yes | Yes |
| Community service | Yes | Yes |
Although the state does not require you to have uninsured motorist insurance to drive legally in Arizona, we recommend you tack on the optional coverage to protect you in the event of a hit-and-run accident from drivers who have no insurance.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Citations
Electric Vehicle Registrations by State. U.S. Department of Energy. (2025, Dec 01).
https://afdc.energy.gov/data/10962Distribution of Veterans by County (FY2023). U.S. Department of Veteran Affairs. (2025).
https://www.datahub.va.gov/stories/s/NCVAS-State-Summary-Arizona-FY2023/cruv-8y3m/Arizona. Military State Policy Source. (2024, Dec 31).
https://statepolicy.militaryonesource.mil/state/AZ#:~:text=20%2C381%20active%2Dduty%20service%20members,National%20Guard%20and%20reserve%20membersIt’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmArizona Motor Vehicle Crash Facts. Arizona Department of Transportation. (2024).
https://azdot.gov/planning/traffic-safety/arizona-motor-vehicle-crash-facts
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