Updated: November 18, 2024
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Auto-Owners is Arizona's overall top car insurance provider as well as the best provider for families with teens. If seeking minimum coverage, however, Mercury emerges as the leading provider.
MoneyGeek also analyzed the cheapest car insurance in Arizona if cost is your primary consideration, regardless of service quality.
Best Car InsuranceArizonaBest Car Insurance in Arizona
Auto-Owners Insurance Co is Arizona's best car insurance company, with a MoneyGeek score of 94. The scores for car insurance companies in Arizona range from 58 to 94. It is important to note that this scoring range is based on MoneyGeek's baseline scoring system, and scores may vary for different types of drivers.
How does MoneyGeek score companies?
MoneyGeek scores encapsulate a comprehensive assessment of insurance companies, prioritizing customer satisfaction and affordability in their evaluations. Yet, the significance of claims experience and offered coverages is also substantial. These elements are meticulously weighed to present a holistic view of an insurer's performance, guiding consumers towards informed decision-making about their insurance needs.
Not all insurance companies qualify for a MoneyGeek score due to incomplete data across all five critical scoring components. For instance, Iowa Farm Bureau is noteworthy for its commendable performance in customer satisfaction, whereas Root Insurance Company stands out for its competitive affordability. It is important to acknowledge that the strengths of these insurers are specific to certain areas and the incomplete data does not necessarily reflect their overall capabilities.
| Auto-Owners Insurance Co | 94 | $922 |
| Travelers | 89 | $1,106 |
| State Farm | 89 | $1,153 |
| GEICO | 88 | $905 |
| Progressive | 87 | $1,098 |
| Mercury | 86 | $1,431 |
| Country Financial | 84 | $1,467 |
| Allstate | 83 | $1,362 |
| Farmers | 83 | $1,314 |
| Nationwide | 83 | $1,495 |
| Hartford | 83 | $1,468 |
| CSAA | 71 | $2,590 |
| The General | 58 | $3,059 |
| Iowa Farm Bureau | No Data | $1,123 |
| Root Insurance Company | No Data | $722 |
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for best full coverage car insurance. With their dedication to quality service and coverage, Arizonans can't go wrong choosing this top-tier provider.
Auto-Owners Insurance Co distinguishes itself with the highest overall satisfaction score and a perfect coverage score, indicating that customers are extremely satisfied with the service they receive and the variety of coverage options available.
Those looking to save can also consider the cheapest full coverage car insurance in Arizona.
Ranks No. 1 for claims handling in Arizona.
Offers rare coverages like diminished value and deductible modification.
Ranks No. 7 in Arizona for customer satisfaction.
Ranks No. 3 in Arizona for affordability.
Does not offer OEM coverage.
Auto-Owners Insurance Co excels particularly due to its claims handling aspect, contributing to its outstanding MoneyGeek score. It provides both rental car and/or travel reimbursement and roadside assistance — common coverages integral for a comprehensive car insurance. Additionally, it offers gap insurance and accident forgiveness, enhancing its appeal as a secure and value-packed choice for consumers.
With a MoneyGeek score of 94, Auto-Owners Insurance Co stands out with a high satisfaction score of 30 (out of 35) and a solid affordability score of 28 (out of 30), bolstered by an impeccable claims handling score of 20 (out of 20) and a full coverage score of 10 (out of 10). Its diminished value coverage is a rare and valuable coverage, ensuring customers' cars’ worth is recognized even after an accident, while the personal automobile plus package simplifies managing various protection aspects. Deductible modification further offers fiscal flexibility following specific incidents.
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for outstanding car insurance customer service.
Auto-Owners Insurance Co distinguishes itself with the highest marks in both customer satisfaction and claims handling. Additionally, Auto-Owners Insurance Co offers these excellent services at a more affordable cost compared to its nearest competitor.
In Arizona’s varied insurance market, it's crucial for companies to provide exceptional customer service and efficient claims handling. These aspects greatly influence customer loyalty and trust, as clients rely on prompt and fair support during times of need.
Ranks No. 1 in Arizona for claims handling.
Offers rare coverages like diminished value and deductible modification.
Ranks No. 1 in Arizona for key coverages.
Does not excel in customer service.
Auto-Owners Insurance Co stands out primarily due to its top-notch claims handling and comprehensive coverage. The company offers rental car and/or travel reimbursement and roadside assistance. Notably, it’s missing some reasonably common coverages, but the exceptional MoneyGeek scores testify that it remains a solid choice for consumers.
Drivers insured with Auto-Owners Insurance Co can benefit from its rare offering of diminished value coverage, which is applicable when a car loses value post-accident. The personal auto plus package simplifies complex insurance needs into a single, comprehensive policy. Additionally, gap insurance is crucial for new car owners to cover the loan amount versus the depreciated value in case of a total loss. With high satisfaction (38 out of 45), claims (30 out of 30) and coverage (20 out of 20) scores, customer satisfaction and reliable claims service are clearly prioritized.
MoneyGeek found that Mercury is the best option in Arizona for minimum coverage car insurance.
Mercury stands out in Arizona with its high affordability and claims handling scores, which contribute to its leading position. Its minimum coverage policy, priced at $391 per year, provides the minimum insurance required by law in Arizona.
While many insurers will offer cheap minimum coverage, it's essential to consider the potential downsides of carrying the minimum insurance. These policies often provide less financial protection, which can lead to significant out-of-pocket expenses after a major accident.
Offers reasonably common automatic payment and senior driver discounts.
Ranks No. 1 in Arizona for cost, with an average annual premium of $391.
Ranks No. 2 in Arizona for customer satisfaction.
Ranks No. 2 in Arizona for claims handling.
Missing roadside assistance, which is a common discount.
With exceptional affordability and customer satisfaction scores, Mercury earns a standout MoneyGeek rating. The average driver enjoys the benefit of Mercury's average annual premium of just $391, a testament to the company's competitive pricing strategy. Customers can further maximize savings by leveraging reasonably common discounts such as anti-theft system installation and paperless billing, as well as rare discounts like automatic payment and a special discount for senior drivers.
Mercury offers various discounts, including all four most common ones — bundling, good student, multiple car and safe driving. Beyond these, Mercury rewards drivers who secure their vehicles with an anti-theft system and those who manage an environmentally friendly transition to paperless billing with tangible savings.
Mercury's affordability score of 40 (out of 40) is unmatched. Complemented by a satisfaction score of 20 (out of 25), a solid stability score of 3 (out of 5) and a coverage score of 8 (out of 10), Mercury's high MoneyGeek score of 89 provides consumers with the assurance of a balanced blend of affordability, satisfaction and reliable coverage options.
Driver age is a significant determinant of car insurance rates in Arizona. MoneyGeek found that Auto-Owners Insurance Co is the optimal choice across all categories, excelling for teens with a score of 96, charging $1,690 annually; young adults with a 93 score, at $1,263 per year and seniors with a score of 94, costing $885 annually. These findings underscore its balanced blend of satisfaction, affordability and claims handling.
Best for teens: Auto-Owners Insurance Co
Best for seniors: Auto-Owners Insurance Co
Best for young adults: Auto-Owners Insurance Co
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for car insurance tailored to teens. On the MoneyGeek scale, this provider stands out as the leading car insurance company.
Auto-Owners Insurance Co's nearly perfect score highlights its strengths in several key areas, including top marks for claims handling and a strong satisfaction score. Although not the cheapest option, with an annual premium for a teen policy at $1,690, cheap car insurance for teens in Arizona becomes much more affordable when adding a teen to a family policy, rather than purchasing a separate policy.
Adding a teen to a car insurance policy in Arizona, as in other states, is pricier due to the higher risk associated with insuring inexperienced drivers. Teens are statistically more likely to be involved in accidents, which translates to higher premiums to cover the increased likelihood of claims.
Ranks No. 1 in Arizona for claims handling.
Ranks No. 2 in Arizona for affordability, with an average annual premium of $1,690 for full coverage.
Ranks No. 3 in Arizona for customer satisfaction.
Does not offer driver's education discount.
Auto-Owners Insurance Co. demonstrates exceptional performance through its perfect coverage score of 10 (out of 10) and a high satisfaction score of 32 (out of 35). These are significant components that elevate its overall MoneyGeek Score to 96. While the company may not offer specific young driver discounts such as good student, distant student or driver's education, the strengths in affordability, claims handling and stability compensate for this, making it an excellent choice for a broad range of customers.
As for Auto-Owners Insurance Co's coverage offerings, two standouts are gap insurance and diminished value coverage. Gap insurance is vital as it covers the difference between the actual cash value of a vehicle and the balance still owed on the financing in the event of a total loss. Diminished value coverage, on the other hand, is beneficial after an accident reduces your vehicle's market value, ensuring you are compensated for the difference.
MoneyGeek found that Auto-Owners Insurance Co is the best option for seniors seeking car insurance in Arizona.
Auto-Owners Insurance Co holds the spotlight with a near-perfect blend of high satisfaction, affordable rates and robust claims handling. With an annual premium of $885 for a senior's policy, it sets a benchmark for obtaining cheap car insurance for a senior in Arizona, though it's recognized that this may still be marginally higher than for individuals in younger age brackets.
Ranks No. 1 in Arizona for claims handling.
Ranks No. 1 in Arizona for key coverages.
Ranks No. 2 in Arizona for affordability, with an average annual premium of $885 for full coverage.
Ranks No. 7 in Arizona for customer satisfaction.
Auto-Owners Insurance Co excels with top marks in claims handling and coverage, both contributing significantly to its stellar MoneyGeek score of 94. Despite not offering roadside assistance and rental car and/or travel reimbursement, its strong performance in key categories like affordability and satisfaction underscores its overall value proposition. The company's average annual premium is around $885, and while it does not provide a senior discount, its competitive pricing helps maintain affordability for all customers.
The unmatched claims handling score of 20 (out of 20) and full marks in coverage with a score of 10 (out of 10) highlight Auto-Owners Insurance Co's commitment to comprehensive protection and client satisfaction.
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for car insurance for young adults.
Auto-Owners Insurance Co shines in this evaluation, not only having a strong overall MoneyGeek score but also excelling in customer satisfaction and claims handling. MoneyGeek used data specifically for drivers in their 20s, highlighting that the annual cost of Auto-Owners Insurance Co for a young adult's policy in Arizona is $1,263.
To find cheap car insurance for a young adult in Arizona, it's important to note that premiums are generally higher for this age group because young adults are statistically more likely to be involved in accidents due to their inexperience.
Ranks No. 1 in Arizona for claims handling.
Excels in customer satisfaction.
Ranks No. 4 in Arizona for cost, with an average annual premium of $1,263.
Does not offer driver's education discount.
Auto-Owners Insurance Co leads the pack with a solid MoneyGeek rating, where affordability and claims handling are key contributors to a nearly perfect score. Unfortunately, the company does not offer any young driver-related discounts, but its high marks in affordability, service and other categories make up for this absence. Regarding common coverages, Auto-Owners Insurance Co has not listed specific options such as rental car and/or travel reimbursement and roadside assistance, and this could be seen as a slight drawback for customers seeking these particular features.
Auto-Owners Insurance Co does not disclose any rare coverages as well. Yet, it maintains high satisfaction (30 out of 35) and claims (20 out of 20) scores, emphasizing its service excellence and efficient claims process.
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for drivers with offenses looking for car insurance.
Auto-Owners Insurance Co stands out with its high MoneyGeek score, which indicates strong satisfaction, affordability, claims handling and coverage, especially for those with speeding tickets, at-fault accidents and DUIs. A driver with offenses seeking cheap car insurance as a high-risk driver in Arizona can expect to pay about $1,344 annually with Auto-Owners Insurance Co, slightly more than what is typical for drivers in more standard age brackets.
In Arizona and other states, car insurance can become more expensive once you have a ticket, at-fault accident or DUI on your record due to the increased risk perceived by insurers. High-risk profiles are more likely to file future claims, leading to higher upfront costs for coverage.
Ranks No. 1 in Arizona for claims handling.
Ranks No. 3 in Arizona for affordability, with an average annual premium of $1,344.
Lacks new or better car replacement coverage.
Does not offer roadside assistance, rental reimbursement and accident forgiveness.
Auto-Owners Insurance Co stands out with top scores in satisfaction (30 out of 35) and claims handling (20 out of 20), cementing its reputation for excellent customer service and reliable claims support. Despite not offering specialized coverages such as roadside assistance, rental car and/or travel reimbursement, accident forgiveness or new car and/or better car replacement, it remains a formidable option due to its strong performance in core areas. With an average annual premium of $1,344 and an affordability score of 27 (out of 30), it's an attractive choice for drivers with offenses looking for cost-effective insurance.
Auto-Owners Insurance Co maintains a robust set of core coverages, ensuring comprehensive protection for drivers with less-than-stellar records. While the lack of additional coverage might seem like a shortfall, the company's dedication to customer satisfaction and claims reliability more than makes up for it. Such a reliable insurer is invaluable for those concerned about the financial implications of driving mishaps.
MoneyGeek found that Travelers is the best option in Arizona for drivers with new cars looking for car insurance. With MoneyGeek's analysis excluding insurers without new car replacement and/or better car replacement options, Travelers stands out as a provider that can offer peace of mind should an accident occur.
Travelers distinguishes itself by its perfect MoneyGeek score and because it provides essential coverages crucial for new car owners. Considering that the annual cost for Travelers is $1,063, choosing an insurer offering new or better car replacement could result in significant savings in an accident. It is because, without such coverage, you would only receive compensation for your car’s current value, taking depreciation into account.
Ranks No. 2 in Arizona for claims handling.
Offers common and reasonably common coverages, including new car replacement.
Ranks No. 2 in Arizona for cost, with an average annual premium of $1,608 for full coverage.
Does not offer rare coverages such as OEM coverage or gap insurance.
Farmers excels in customer satisfaction and coverage, scoring 28 (out of 35) and a perfect 10 (out of 10), respectively, which are pivotal in its top-notch MoneyGeek Score. The company offers optional new car replacement coverage, a significant benefit for those with new vehicles who value protection against depreciation in the event of a total loss. The average annual premium is $1,608.
New car replacement coverage is a cornerstone of Farmers' offerings for drivers with new cars, underlining its commitment to providing peace of mind. This coverage allows the insured to replace a totaled car with a brand-new model, mitigating financial loss from rapid depreciation.
MoneyGeek found that Auto-Owners Insurance Co is the best option in Arizona for car insurance aimed at military personnel, with an impressive MoneyGeek score.
Although USAA is also a good option for those with a military background, based on the MoneyGeek score, which values a balance of service quality and affordability, it did not win in Arizona.
Auto-Owners Insurance Co stands out due to its outstanding balance in satisfaction, affordability and claims handling, contributing to its top MoneyGeek score. At $922 annually, it provides significant value for those seeking top-notch service coupled with economic considerations. Military drivers in Arizona looking for emphasis on rates should explore the cheapest car insurance in Arizona for military drivers.
Ranks No. 1 in Arizona for claims handling.
Ranks No. 1 in Arizona for key coverages.
Ranks No. 3 in Arizona for cost, with an average annual premium of $922.
Does not offer original equipment manufacturer (OEM) coverage.
Customer satisfaction is the key contributor to Auto-Owners Insurance Co's impressive MoneyGeek score. With an overall score of 93, its high satisfaction (30 out of 35) and solid affordability (28 out of 30) scores — although it only ranks third in Arizona for affordability — indicate a balance of value and customer contentment. Its average annual premium is a competitive $922.
Auto-Owners Insurance Co provides top-rated car insurance coverages, focusing on every driver's needs. Unfortunately, we have no details on specific rare or reasonably common coverages for Auto-Owners Insurance Co at this time. Nevertheless, the company excels in claims handling with a perfect score of 20 (out of 20) and coverage with a score of 10 (out of 10), underscoring its commitment to customer support and comprehensive policy options. This company has built a reputation on reliability, indicated by its stability score of 5 (out of 5), assuring customers of their enduring presence in the market.
In Arizona, the finest car insurance providers stand out by striking the perfect balance between cost-effectiveness, financial solidity and a proven track record of exceptional customer service. MoneyGeek has rigorously researched and identified these top insurers to save you the legwork. However, if you prefer to conduct your own comprehensive analysis, be prepared to embark on at least four distinct steps to ensure you make an informed decision tailored to your needs.
In Arizona, exceptional customer service is crucial for car insurers. Customers should utilize independent sources like J.D. Power and the NAIC to evaluate an insurer's performance. Auto-Owners Insurance Co is recognized by MoneyGeek for outstanding service in Arizona, boasting a customer satisfaction score of 39 (out of 45) and a claims handling score of 30 (out of 30).
Comparing quotes is a strategic way for Arizona drivers to save money without compromising service quality. Conducting personal research to determine the most cost-effective option based on individual circumstances is vital. MoneyGeek identified Mercury as the best for minimum coverage in Arizona, with an annual premium of $391.
Selecting the right coverages is a key aspect of a car insurance policy. Prospective policyholders should research to find insurers offering coverages tailored to their needs. According to MoneyGeek, Farmers, Travelers, Hartford, Nationwide, Progressive, Allstate and Auto-Owners Insurance Co all offer comprehensive coverages, each scoring a perfect 10, indicating the availability of the four most essential coverages.
Choosing an insurer with a solid financial stability rating is essential to minimize the risk of claim payment failures. Researching this aspect is vital for peace of mind. MoneyGeek's perfect stability score of 5 (out of 5) was awarded to Travelers, Auto-Owners Insurance Co, State Farm and GEICO, each with an A++ rating from AM Best.
Why Trust MoneyGeek? We created an insurance scoring system for providers in Arizona based on customer satisfaction, claims experience, essential coverages, affordability and financial stability using six independent sources.
These recommendations were updated in March 2024 to reflect the current best car insurance options in Arizona.
The best car insurance options for you largely depend on your specific needs and preferences. We’ve answered some of the most common questions to help you make the right purchase.
Auto-Owners Insurance Co is the best car insurance in Arizona overall, with a MoneyGeek score of 94. The company boasts an annual premium of $922. Its highest scores are in satisfaction (30 out of 35) and claims handling (20 out of 20), indicating exceptional customer satisfaction and claims service.
Mercury has been identified as the best for cheap car insurance in Arizona, with an annual premium of $391 for minimum coverage. The overall MoneyGeek score for Mercury is 89. While a minimum coverage policy is the most affordable, it may not provide comprehensive protection. Consumers can often find cheap full coverage policies by comparing quotes.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
