Best Auto Insurance in Arizona of 2026

• 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.

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.

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.

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.

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.

In 2023 (the most recent year for which data is available), traffic fatalities in Arizona’s major municipalities varied. Phoenix reported the highest total number of deaths and pedestrian fatalities, while Tucson had the highest fatality rate per 100,000 population among the state’s largest cities. Pedestrian deaths continue to represent a substantial portion of urban traffic deaths, particularly in Phoenix and Glendale, where they account for more than 34 percent of all road fatalities.⁹

The following table details 2023 traffic fatalities for Arizona cities with populations of 150,000 or greater:

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.

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.