Best Car Insurance Companies in Phoenix, AZ

Individual requirements and driving background determine which car insurance is best suited for your needs. However, Auto-Owners takes the lead for MoneyGeek’s pick for the best full coverage policy and the best for customer service, teenage drivers and seniors. Meanwhile, Travelers is MoneyGeek’s top choice for minimum coverage policies, young adults, those with a new car and drivers with a violation on their record.

If cost is one of your top priorities, you can also review MoneyGeek’s recommendation of Arizona's cheapest auto insurance providers.

The following companies offer the best overall auto insurance in Phoenix for full coverage policies:

• Auto-Owners: MoneyGeek score 78 out of 100 ($1,098 per year)
• Travelers: MoneyGeek score 78 out of 100 ($773 per year)

Of the 13 companies MoneyGeek assessed, Auto-Owners had the best claims score and tied for the best coverage score. It also scored well on affordability, becoming our top selection for balancing service with cost. Auto-Owners is also the best car insurance carrier in Arizona, receiving a MoneyGeek score of 92 out of 100.

For active and retired military members and their families, USAA has the best auto insurance. The company received a MoneyGeek score of 85 out of 100 for an average yearly cost of $755 for a full coverage policy.

Of the 13 companies we ranked in Phoenix, Arizona, Auto-Owners was MoneyGeek’s top insurer for full coverage policies. Although the insurer is not the cheapest and ranks fifth for customer satisfaction, it has the best claims rating of the insurers we assessed and offers an array of coverage options.

Travelers received a perfect score in affordability and tied with Auto-Owners for the top score in coverage availability. However, Travelers scored lower on claims management and customer satisfaction.

The best insurer for customer satisfaction is Iowa Farm Bureau, although it lacked vital scores on some individual components and thus did not receive an overall MoneyGeek score.

With cost excluded from our ranking system, the best auto insurance providers in Phoenix for customer service are:

• Auto-Owners: MoneyGeek score 66 out of 100 ($1,098 per year)
• Country Financial: MoneyGeek score 65 out of 100 ($1,603 per year)

Auto-Owners received high scores in claims handling and coverage options, in addition to the fourth-highest score in affordability — that means this insurer balances low prices with quality coverage and efficient claims processing. Its score on customer satisfaction is also above average.

A good insurer for customer service combines good customer engagement with exceptional claims management processes. Based on data from the NAIC’s Customer Complaint Index, J.D. Power’s Customer Satisfaction Study and MoneyGeek’s analysis, Auto-Owners offers the best customer service of any provider in Phoenix. Country Financial ranked as the second-best insurer for customer satisfaction but received a relatively low claims management score.

According to our analysis of service quality and affordability scores for policies that meet Arizona’s minimum car insurance requirements, the best providers in Phoenix are:

• Travelers: MoneyGeek score 80 out of 100 ($358 per year)
• Auto-Owners: MoneyGeek score 79 out of 100 ($517 per year)

A minimum coverage policy costs less than other policies but also offers the most limited coverage. Unlike full coverage auto insurance, a minimum coverage policy doesn’t include comprehensive and collision insurance and will not cover damages to your car after an accident. Note that minimum car insurance requirements in Arizona are the same across all cities in the state.

A minimum coverage policy is a policy that meets a state’s bare minimum auto insurance requirements. It's typically the most affordable policy type and can be an excellent option if the policy still meets your needs and if the provider offers excellent customer service. Travelers received a perfect affordability score from MoneyGeek, with an average yearly cost of $358. However, the insurer may not be the best for customer service, with average claims management and customer satisfaction scores. Auto-Owners had the highest claims score of the companies analyzed but ranked lower in affordability.

The following providers offer the best auto insurance coverage for young adults in Phoenix:

• Travelers: MoneyGeek score 77 out of 100 ($917 per year)
• Auto-Owners: MoneyGeek score 76 out of 100 ($1,506 per year)

Travelers received the second-highest score in affordability and the highest score for coverage options for young drivers, meaning it offers low-cost policies and add-on protections that are crucial to young drivers.

Drivers in their 20s can benefit from insurers that offer lower premiums, more discount options and useful add-on coverage options. Travelers provides a good balance of affordability and essential coverages for this age bracket, despite not ranking among the top insurers for customer satisfaction and claims management. While Auto-Owners ranks better on claims management and customer service than Travelers, its policies are more expensive.

The best auto insurance for teen drivers included on a family policy in Phoenix comes from the following companies:

• Travelers: MoneyGeek score 78 out of 100 ($2,325 per year)
• GEICO: MoneyGeek score 71 out of 100 ($2,869)

With a perfect score in affordability and high scores in coverages and customer satisfaction, Travers is MoneyGeek’s top pick for insurance for teens and their families.

Generally, the best way to insure teens is by adding them to a family policy. Individual policies for teens are significantly more expensive. For example, you will only pay $3,011 per year, on average, for a family plan, but an individual policy would cost $5,905 yearly — that’s $2,895 more. Teens under the age of 18 also typically can’t legally purchase an individual policy without a parent or guardian co-signer.

Auto insurance premiums for teens may be high because young drivers have less experience on the road and are thus seen as a liability for insurers. The best company for teens and their families is one with low rates and several applicable discounts and coverage options for teenagers to help save on costs. Travelers is MoneyGeek’s top pick for teens and their families in Phoenix because this provider offers low rates, applicable discounts and coverages that can give teens and their families peace of mind, such as roadside assistance and accident forgiveness.

The best auto insurance for seniors in Phoenix comes from the following providers:

• Auto-Owners: MoneyGeek score 79 out of 100 ($1,053 per year)
• Travelers: MoneyGeek score 78 out of 100 ($764 per year)

Auto-Owners offers the best claims management for senior drivers in Phoenix. While it may not be the best for customer satisfaction, its score in this category is above average. The insurer is also the fifth cheapest in the city, meaning you can find quality coverage at relatively affordable premiums. Seniors may pay similar auto insurance rates as drivers in their 30s to 50s. However, premiums tend to increase for those in their 70s and 80s. Fortunately, older drivers can still find reasonable coverage rates by comparing quotes from different companies.

Senior drivers often receive affordable car insurance rates because they’re seen as safe drivers. These drivers are also more likely to sustain more injuries in an accident — that’s why a policy with personal injury protection (PIP), medical costs coverage or a defensive driving discount can make the best choice for drivers in their 60s. Although Auto-Owners is not the cheapest provider in the city and doesn’t offer these aforementioned discounts and coverages, the insurer does provide numerous other coverage options that suit seniors. These include roadside assistance, rental car reimbursement and diminished value coverage. While Travelers offers lower premiums for seniors in Phoenix, it ranks lower in customer satisfaction and claims management.

The following insurers offer the best car insurance for drivers with poor records in Phoenix:

• Travelers: MoneyGeek score 75 out of 100 ($1,175 per year)
• State Farm: MoneyGeek score 73 out of 100 ($1,257 per year)

Travelers received the second-best score for affordability and the highest score for essential coverages for those with traffic violations. Auto insurance rates are higher after a violation, so finding an affordable policy is crucial. In Phoenix, drivers will pay an average of $1,467 for full coverage insurance with a clean record, $2,371 after a DUI and $1,888 after a speeding ticket.

Since car insurance costs are higher for drivers with a poor record, an insurer with affordable rates and several discounts is ideal for drivers with offenses. Travelers stands out in this category because it combines affordability with coverage options and discounts that may suit individuals with violations. For instance, the insurer offers roadside assistance, rental car reimbursement and accident forgiveness as add-on insurance options. State Farm is the second-best insurer in this category, and although it ranks better on customer satisfaction, it is more expensive than Travelers and ranks below average for claims experience.

If you have a new car in Phoenix, the best auto insurance providers are:

• Travelers: MoneyGeek score 76 out of 100 ($919 per year)
• Farmers: MoneyGeek score 44 out of 100 ($1,536 per year)

Travelers is our top pick among the three insurers we reviewed for this category because it is significantly more affordable than the other options available in the city.

For this category, we only reviewed insurers based on customer satisfaction and affordability for drivers with a 2022 model car. Our options only comprised companies that offer new car replacement coverage or better car replacement coverage, which allow drivers to receive a replacement for their totaled car after an accident.

If you have a new car, an insurance provider worth considering should offer a variety of coverage options, including new car or better car replacement coverage. Travelers has the lowest rates and a wider range of coverages for those with new cars. It ranks second for customer satisfaction, meaning you will get a balance of cost and customer service. Farmers ties with Travelers for coverage options but charges significantly higher monthly premiums.

Your preferences and profile will determine which car insurance provider is best for you. Here are answers to some common questions to help you find a suitable insurer in Phoenix.