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Best Car Insurance in Arizona - 2020 Picks

Arizona follows the fault-based system. That means you break it, you buy it. If you’re found to be at fault for causing a car collision, you’re liable for the damages caused. Although Arizona requires auto insurance coverage on every motor vehicle, these minimum requirements aren’t always adequate. To make sure you’re properly covered, check out our list of companies that offer the best car insurance in Arizona.

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Best Car Insurance in Arizona - Top 3 Picks

Top 3 Picks

Esurance

User-friendly website and mobile app

Numerous discounts

Photo claims

Get a Quote READ REVIEW

StateFarm

Various coverage options

Excellent claims service

Affordable

Get a Quote READ REVIEW

Allstate

Fast online quotes

Affordable policies

Great discount options

Get a Quote READ REVIEW

4 Best Car Insurance Companies in Arizona

1. Esurance

Esurance is one of the best car insurance companies in Arizona. It’s been in business for more than two decades, offering affordable car insurance policies and numerous discounts. The website is well-organized, and the mobile app makes it even easier for customers to file claims and manage policies. Clients can also provide photo claims. READ REVIEW

User-friendly website and mobile app

Numerous discounts

Photo claims

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2. StateFarm

Another reputable car insurance company in Arizona is State Farm. This is also the largest auto insurer in the country. It’s been around for almost eight decades, offering a variety of car insurance options, including collision, comprehensive, and liability coverage. The company also offers insurance protection for antique, sports, and rental cars.READ REVIEW

Various coverage options

Excellent claims service

Affordable

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3. Allstate

Founded in 1931, Allstate is among the oldest AZ auto insurance companies. In addition to the standard auto insurance options, Allstate offers everything from roadside assistance to good student discounts. You can also use the mobile app to manage your policies and check the status of a claim. Moreover, the app can help you improve your driving and provide you additional discounts.READ REVIEW

Fast online quotes

Affordable policies

Great discount options

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4. The Hartford

The Hartford is another reputable car insurance company in Arizona that provides affordable car insurance rates for the minimum coverage. It also offers additional coverage options and great discounts, especially for AARP members. This is a financially stable insurer that can afford to pay out claims.READ REVIEW

Exclusive discounts for AARP members

Online insurance application

Locked rates for a year

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How We Evaluated the Best Car Insurance in Arizona

There are a lot of things to consider when purchasing car insurance. In Arizona that includes liability coverage, which is mandatory for every vehicle in the state. Arizona’s car owners have to purchase at least $25,000 for bodily injury to a single person, $50,000 for bodily injury to several people, and $15,000 for property damage in a single accident. But this isn’t always enough.

If you’re responsible for an accident that injures several people, their hospital bills could easily surpass your minimum liability coverage.

That’s why insurers offer different types of policies and additional options, including collision and comprehensive coverage. We used our evaluation criteria to examine the offers and identify the best insurance companies in Arizona.

Financial Stability

The first thing we looked at is the financial strength of the provider. It’s important for each policyholder to know that the company can cover their claim when necessary. Many insurers will offer you a variety of coverage options and discounts, but not all of them can satisfy your claims.

Costs and Types of Insurance

When buying auto insurance in AZ, you should familiarize yourself with various policies. You’ll definitely need the mandatory coverage, and if you’re looking for cheap auto insurance in Arizona, that will be sufficient. The average car insurance cost in Arizona is around $581 per year. That’s the state minimum. However, in most cases, it’s better to get additional coverage. With collision and comprehensive, the average cost goes up to $1,443 per year.

The price varies based on your experience, driving history, the car you owe, and other factors. You can save money if you have a good credit score or if you want to cover multiple drivers with one policy. The insurer will also check your credit score and bank statements before you get the final quote.

Discounts

While checking the auto insurance quotes for Arizona drivers, we also examined discount options. These are generally divided into three categories: policy discounts, driver discounts, and auto discounts. Some companies also offer discounts for bundling policies.

Although insurers offer numerous discounts, you can’t qualify for all of them. Some are only for good drivers, and others are exclusively for those over the age of 50. The best thing to do is to contact a company representative and customize your insurance plan with all available discounts.

Claims

In addition to affordable Arizona car insurance rates, various coverage options, and discounts, the companies on our list also have helpful customer support teams. We looked for providers with 24/7 customer service that allows you to make claims via phone or the mobile app.

Customer Satisfaction

Last but not least, we examined the satisfaction of the clients. We relied on online customer reviews to get a better sense of the provider’s strengths and weaknesses.

Best Car Insurance in Arizona for 2020:

  • Esurance

    - Best for fast claims processing
  • State Farm

    - Best for mandatory coverage rates.
  • Allstate

    - Best for the variety of discount options.
  • Hartford

    - Best for customers looking for affordable car insurance.

Detailed Reviews

Among the many car insurance companies in Arizona, Esurance stands out thanks to its competitive rates, effective website, and mobile app. Moreover, the company is praised for its numerous discount options. Clients who enjoy managing their policy and claims online will be satisfied with the tools that Esurance offers.

Financial Stability

Founded in 1999, Esurance is owned by Allstate and is one of the best-known car insurance companies in the country. The company’s value is estimated at $100 billion, making it a safe choice for all car owners because of its ability to settle claims.

Costs and Types of Insurance

To get Arizona car insurance quotes from this provider, you need to fill in a short form on the company’s site. The insurer asks for your personal details and information related to your driving experience. The company is best known for its straightforward policy purchasing process. You can complete and submit your request with ease even if it’s your first policy.

Esurance offers competitive rates for Arizona drivers. The price is calculated based on the type of coverage you want, your credit score, driving record, and a few other factors. The mandatory coverage is generally affordable, but obviously, the price goes up for collision and comprehensive insurance.

Discounts

You can get lower car insurance rates in Arizona if you qualify for some of the discounts that the insurer offers. These include discounts for insuring multiple vehicles, getting good grades for drivers under the age of 25, avoiding traffic violations, and equipping your car with safety features like air-lock brakes.

Claims

Esurance is also praised for enabling customers to file claims with ease. You can file the claim by telephone or via the mobile app, which also allows you to view policy details and make payments. You can download the app from Google Play or Apple Store.

Auto insurance claims in Arizona can take time to resolve. But the Esurance app accelerates the entire process by letting you submit photo claims. Instead of waiting for the appraiser to show up, you can simply snap pics of the damage, send it over the app, and receive your payment within a day.

Customer Satisfaction

Although there is no shortage of positive reviews applauding the company’s straightforward online application, there are a few dissatisfied customers. Esurance has A- on BBB, but it’s not accredited. It has 116 closed complaints in the last 12 months, which is more than we expected.

Reasons to Apply

Reliable

Numerous discount options

Mobile app for Android and iOS

Photo claims

If you are looking for the best auto insurance in AZ, you can’t go wrong with State Farm. This is one of the oldest insurers in the US that provides policies in all 50 states. In addition to its many years of experience, it has millions of clients.

Financial Stability

Founded in 1922, the Illinois-based company is the country’s largest auto insurer that also provides home insurance and other services. It’s a secure and reputable company with access to over $241 billion and a long history of settling claims.

Costs and Types of Insurance

Finding an affordable Arizona automobile insurance company isn’t an easy task. With State Farm, you’ll get affordable premiums as long as you’re a good driver. To get a personalized quote, you need to fill out a form and provide your personal details, including your name, address, and your vehicle identification number.

Of course, the cost depends on the type of coverage you choose and a number of other factors, including your driving experience, your record, and your credit score.

State Farm offers a wide range of coverage options, and you can customize your plan to get the best car insurance for Arizona. In addition to liability, collision, and comprehensive coverage, you can get everything from car rental and travel expenses coverage to rideshare driver coverage. State Farm also offers auto insurance for teen drivers as well as insurance protection for sports and antique cars.

Discounts

When it comes to discounts, having multiple policies or insuring multiple vehicles will reduce your costs. There are also discounts for being a good student or a good driver and for completing driver education and safety courses. When requesting Arizona auto insurance quotes, check with State Farm’s representative whether you qualify for any of the discounts.

If you qualify for a good driver or good student discount, you can save a decent sum of money.

Claims

Filling a claim with State Farm is a breeze. You can call a company representative or use State Farm’s award-winning mobile app, which also allows you to track the claim. Moreover, you can use the app to request roadside assistance and manage your insurance account. Once you’ve filed your claim, State Farm’s auto damage service programs help you find a participating repair facility.

If any claims are filed against you, the company will investigate the allegations.

Customer Satisfaction

State Farm has an average number of customer complaints when compared to other auto insurance companies in Arizona. Most are related to the company’s customer service, but some clients were unhappy with their rates after they renewed their policies.

Reasons to Apply

Sports and antique car policies

Affordable rates for mandatory coverage

Discounts for multiple policies

Award-winning mobile app

Allstate was founded in 1931 by the US retail giant Sears. In 1995, Allstate became an independent company, offering various types of insurance, including auto coverage. It provides policies in all 50 states, and it’s definitely one of the best auto insurance companies in Arizona.

Financial Stability

Allstate provides both auto and home insurance to more than 16 million households in the US. When it comes to its financial strength, Allstate is a reliable provider. Its net worth is $100 billion in assets, which proves that the company can meet its financial obligations. The company also holds a high A+ rating with A.M. Best Rating Services.

Costs and Types of Insurance

Allstate insurance for Arizona drivers includes mandatory liability coverage and lots of options for additional security. Just like other Arizona car insurance companies, Allstate covers the damage if you’re responsible for the accident. Moreover, Allstate insurance for AZ drivers comes with rideshare coverage and even a check for a new car if you total yours within the first two model years.

Although Allstate is affordable, few people would describe some of these offers as cheap car insurance in AZ. Of course, you can get better rates if you’re an experienced driver or if you have a stellar record. Before you start inquiring about Allstate insurance quotes, make sure you’re familiar with some of the free features, including a six-month credit on your car insurance premium in case you’re unhappy with how the company handles your claim.

Discounts

Like other top insurance companies in Arizona, Allstate welcomes its clients with various discount options. There is a bundling discount, a good student discount, and one for safe driving, which you can get after downloading Allstate’s Drivewise app that gathers info on your daily driving habits. You can also bring down your costs, if your vehicle has an anti-theft device or if your car is new.

Claims

Getting car insurance quotes in Arizona isn’t the only thing that’s made easy by the intuitive and user-friendly Allstate website. Whether you’re filing a claim for a fender bender or a major accident, you can use the site to submit the claim and track the entire process. To do that on the move, simply download the Allstate mobile app, which also enables you to snap and submit photos of the damage to your car.

Customer Satisfaction

Overall, Allstate clients are satisfied with the company’s efficient website and mobile app, it’s many insurance products, and support representatives. Meanwhile, some of the complaints come from customers who say they didn’t get adequate assistance from their local agents after filing their claim.

Reasons to Apply

Student discounts

24/7 customer support

Drivewise app

High level of customer satisfaction

The Hartford is another reputable US insurer. But the company’s services are tailored to Americans that are above the age of 50. Through its partnership with AARP, The Hartford offers low-cost auto insurance in AZ and other states to elderly people.

Financial Stability

Founded in 1810, The Hartford only expanded its services over the years. In 2017, the company’s revenue stood at $16.97 billion, which proves that this provider is perfectly capable of settling any claim.

Costs and Types of Insurance

Hartford insurance for Arizona is among the most affordable on the market. The company offers standard coverage options, including liability coverage, property damage liability, protections against floods, animals, or falling objects, as well as comprehensive coverage. The policies also include a lock on your premiums for an entire year and repair assurance for life if you go to an approved repair shop.

You can get car insurance quotes for AZ through the company’s website. Much like other providers, The Hartford has a great list of additional features. For instance, the company will reduce your collision deductible for every year that you maintain a clean driving record.

Discounts

The Hartford discount options are reserved exclusively for AARP members. You can get a discount for multiple policies or if you pay for your entire policy upfront. Drivers that use alternative fuel vehicles and have cars with more than one airbag will also be treated to discount offers.

Claims

Unlike other auto insurance companies in Arizona from our list, this provider doesn’t have a mobile app for faster claim filing and maintenance. To file your claim, you need to contact the company and talk with a representative. There’s also separate call assistance for AARP customers. The service is available 24/7.

Customer Satisfaction

The Hartford has A+ on BBB, but online customer reviews are mixed. While positive ones focus on the company’s versatile insurance options, negative ones claim the car insurance company in Arizona has poor customer support and slow claim payouts.

Reasons to Apply

Numerous benefits

User-friendly website

24/7 customer service

What is Full Coverage Insurance in Arizona?

Arizona adheres to a fault-based insurance system, which means that the person responsible for the car accident pays for the damages. That’s why it’s important to make sure you’re covered in case of an accident. According to Arizona car insurance laws, every vehicle in the state has to have liability insurance that pays for any injuries or damage you cause to other motorists.

Most providers offer this kind of affordable car insurance for AZ drivers. But if the minimum liability coverage isn’t sufficient to pay for someone else’s medical bills, you’ll have to pay from your own pocket. Also, this type of insurance doesn’t cover damage to your car.

So, if you want the kind of insurance that covers all cars involved in an accident, property damage, theft, and natural disasters, you need full coverage car insurance. This term refers to a policy with collision, comprehensive, and liability coverage. Naturally, AZ auto insurance quotes will get a lot more expensive if you choose this high coverage option. But drivers aren’t required to have this type of car insurance in AZ.

Full coverage can also include car rental reimbursements, gap insurance, and roadside assistance. These extras will drive up your costs, so it’s important to know exactly what you need from your insurance provider. You can also reduce the price of full coverage insurance by maintaining good credit and taking advantage of discounts.

 

FAQ

Who has the best car insurance rates in Arizona?

All providers on our list offer affordable car insurance rates. But picking the best one depends on your unique needs and numerous other factors, like your driving experience and how old your car is.

What is the average cost of car insurance in Arizona?

On average, you need to pay $581 per year for car insurance in Arizona for the minimum coverage. As for the coverage that includes collision and comprehensive, the average cost is $1,443 per year.

What is the minimum auto insurance coverage in Arizona?

Arizona’s motorists need a minimum of $25,000 for bodily injury to a single person, $50,000 for bodily injury to several people, and $15,000 for property damage in a single accident. Our list of companies with the best car insurance in Arizona includes providers that offer affordable mandatory coverage deals.

Is driving without insurance illegal in Arizona?

Diving without insurance in AZ is illegal. According to Arizona car insurance laws, you need to have the minimum coverage. If you fail to adhere to these laws, you can be fined or lose your driver’s license.