8 Best Car Insurance in Arizona of 2026

This list is for Arizona drivers comparing insurers on local rates, claims service and coverage options. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Arizona is an at-fault state with minimum liability limits of $25,000 per person, $50,000 per accident and $15,000 for property damage. Most insurers do not publish a price, so only Progressive's Arizona average, The Hartford's Arizona figure, Lemonade's starting price and Acceptance's Arizona estimate are quoted. GEICO, USAA, Nationwide and American Family pages blocked our automated checks, so they are left out; USAA is still worth a quote if you are eligible through military service.

1. 01Top value

   

   Progressive

   8.9/10

   National insurer that sells Arizona car insurance online, by phone and through independent agents, and publishes an Arizona average from its own data.

   Price

   Customper month, Arizona average liability-only policy

   Progressive's Arizona average was $119.90 a month in 2025 for a six-month liability-only policy with one vehicle and one driver

   “the average cost of a six-month liability-only policy in Arizona was $119.90 per month in 2025” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.8

   Features (35%)

   9.0

   Ease of use (25%)

   9.0

   Best forArizona drivers who want a published benchmark price, a choice of buying online or through an agent, and a usage-based discount.

   Progressive is the most transparent large insurer for Arizona drivers. Its Arizona page states that, based on internal data, a six-month liability-only policy averaged $119.90 a month in 2025 for one vehicle and one driver, which gives you a clear number to compare quotes against. The same page lists the state minimums of $25,000 per person, $50,000 per accident and $15,000 for property damage, and explains that Arizona is an at-fault state with comparative negligence. The Arizona discount list covers Snapshot, which uses the Progressive app to track driving, a multi-policy discount and a 5-year accident-free discount. You can buy online with the Name Your Price tool, call a licensed representative or go through an independent agent, which suits drivers in Phoenix or Tucson who want an agent to shop several carriers. The weakness is that the published figure is an average for minimum-style coverage, so full coverage on a financed car will cost more.

   • ✓Publishes an Arizona average from its own 2025 policy data
   • ✓Arizona page lists the state minimums and optional coverages in one table
   • ✓Independent agents in Arizona can quote Progressive next to other insurers

   • ✕The $119.90 figure is an average for liability only, not a starting price
   • ✕Snapshot can raise the rate at renewal for risky driving habits
   • ✕Bundle savings are stated as a national average, not an Arizona figure

   Arizona average:

   $119.90 a month, liability only, 2025

   Usage-based program:

   Snapshot

   Ways to buy:

   Online, phone, independent agent

   Arizona minimums listed:

   25/50/15

   Bottom line: Progressive is the best first quote in Arizona because it publishes a state average and sells through every channel. Use its $119.90 liability-only benchmark to judge the other quotes you get.

   Visit progressive.com ↗

2. 02

   

   AARP Auto Insurance from The Hartford

   8.7/10

   Car insurance program for AARP members from The Hartford, with an Arizona page that states a monthly price floor and lists member benefits.

   Price

   $101per month

   As little as $101 a month in Arizona, based on The Hartford's stated Arizona average of $1,209 a year

   “The average auto insurance cost in Arizona was $1,209 a year or about $101 a month.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.7

   Features (35%)

   8.8

   Ease of use (25%)

   8.4

   Best forArizona drivers over 50 who are AARP members and want accident forgiveness, new car replacement and recovery help after an injury.

   The AARP Auto Insurance Program from The Hartford is the strongest pick on this list for older Arizona drivers. Its Arizona page says you can pay as little as $101 a month and gives the Arizona average it cites as $1,209 a year. AARP members get up to 10% off, and the page lists Arizona discounts for bundling, a defensive driving course and paying in full. The benefits go further than most national brands: accident forgiveness once every driver on the policy has five clean years, a Disappearing Deductible on collision, New Car Replacement with no depreciation, and RecoverCare, which pays up to $2,500 for help such as transportation and cleaning after you are hurt in a crash. Roadside assistance runs through 40,000 towing services, and claims are taken 24 hours a day. One error to note: the page lists Arizona's property damage minimum as $25,000, while Progressive and Lemonade list $15,000, so ask for higher limits anyway.

   • ✓States an Arizona price on its own page
   • ✓Bundling can save up to 12% on auto and up to 20% on Arizona home insurance
   • ✓24/7 claim service by phone at 800-243-5860

   • ✕Built for AARP members, so most of the benefits are aimed at drivers over 50
   • ✕Accident forgiveness needs every driver on the policy to have five clean years
   • ✕RecoverCare availability and benefit levels vary by state

   Arizona price stated:

   About $101 a month

   AARP member savings:

   Up to 10%

   RecoverCare:

   Up to $2,500

   Roadside network:

   40,000 towing services

   Bottom line: The Hartford is the best choice for AARP members in Arizona, with a stated price near $101 a month and benefits aimed at drivers over 50. Younger drivers will get more from Progressive or State Farm.

   Visit thehartford.com ↗

3. 03

   

   Lemonade Car

   8.5/10

   App-based insurer that sells pay-per-mile car insurance in Arizona, priced on miles driven plus a fixed monthly base rate.

   Price

   $30per month

   As low as $30 a month depending on your driving profile; Arizona policies are pay per mile, and Lemonade estimates $980 to $1,020 a year on average in the state

   “As low as $30/mo, based on your driving profile” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   8.6

   Features (35%)

   7.9

   Ease of use (25%)

   9.0

   Best forArizona drivers who drive little, such as remote workers and retirees, and want to buy and claim in an app.

   Lemonade Car is the low-mileage pick for Arizona. In this state it sells pay-per-mile cover: each month you pay a fixed base price plus your per-mile price times the miles you drove, and Lemonade estimates an Arizona average of roughly $980 to $1,020 a year. Its main car page says prices start as low as $30 a month based on your driving profile. Safe driving habits measured by the app can lower premiums, and bundling with Lemonade renters, homeowners, pet or life insurance adds a discount. The coverage menu includes collision, comprehensive, MedPay, uninsured motorist cover, temporary transportation for up to 30 days and extended glass with a $0 deductible, which matters in a state where rock chips on desert highways are common. The trade-offs are clear: a daily commute across the Valley can make it expensive, and there is no agent to call. Lemonade's Arizona page blocked our automated checks, so we read an archived copy.

   • ✓Lowest published starting price on this list
   • ✓Claims filed in minutes in the app
   • ✓Discount for electric and hybrid cars

   • ✕The bill rises with every mile, so long commutes cost more
   • ✕No local agents; everything runs through the app
   • ✕Lemonade's Arizona page blocked our checker, so Arizona facts come from an archived copy

   Arizona pricing model:

   Pay per mile

   Arizona average estimate:

   $980 to $1,020 a year

   Glass deductible:

   $0 with extended glass

   Rental while repairing:

   Up to 30 days

   Bottom line: Lemonade Car is the best Arizona option for people who drive little and like doing everything in an app. Commuters with long daily drives should compare it with Progressive or State Farm first.

   Visit lemonade.com ↗

4. 04

   

   State Farm

   8.5/10

   Largest agent-based insurer in the country, with local auto agents across the nation and discounts for safe driving and young drivers.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.3

   Features (35%)

   8.7

   Ease of use (25%)

   8.7

   Best forArizona families with teen or student drivers who want a local agent and safe-driving discounts.

   State Farm is the agent pick for Arizona households. It says it has over 19,000 auto insurance agents across the country and serves more than 96 million policies and accounts, so most Arizona towns have an office nearby. Its discounts center on Drive Safe & Save, which rewards safe driving, Steer Clear for young drivers, and savings for insuring several household vehicles, which helps families adding a teen in Chandler or Gilbert. State Farm says drivers who switch save an average of $740 and that bundling auto and renters can save up to $900. Claims can be reported online, through the app or by phone. The weak spot is price transparency: State Farm publishes no Arizona rate, so you will need a quote from an agent or online before you can compare it with Progressive's published average.

   • ✓Over 19,000 auto insurance agents nationwide
   • ✓Serves 96M+ policies and accounts
   • ✓Drivers who switch save an average of $740, by State Farm's figure

   • ✕No published Arizona price
   • ✕Savings figures are national averages, not Arizona numbers
   • ✕Most service runs through agents, so online-only buyers have fewer self-serve options

   Auto agents:

   Over 19,000 nationwide

   Policies and accounts:

   96M+

   Average switch savings:

   $740

   Bundle auto and renters:

   Save up to $900

   Bottom line: State Farm is the best Arizona choice for families who want a local agent and teen driver discounts. Get its quote next to Progressive's published average to see whether the agent service costs more.

   Visit statefarm.com ↗

5. 05

   

   Allstate

   8.3/10

   National insurer with local agents, 24/7 online and phone sales, and two usage-based programs, Drivewise and Milewise.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.0

   Features (35%)

   8.5

   Ease of use (25%)

   8.4

   Best forArizona drivers who want an agent or a 24/7 phone line plus the option of a safe-driving or pay-per-mile rate.

   Allstate gives Arizona drivers the widest set of buying options among the national brands: you can quote online and watch estimates change as you adjust coverage, call a licensed representative 24/7, or work with a local agent. Its discount list includes bundling, good grades, a discount for students who attend school more than 100 miles from where the car is kept, anti-theft and anti-lock brake features and paying in full. Drivewise sets a rate based on safe driving, and Milewise charges a daily rate plus a per-mile rate, which helps if the household car sits idle most days. Allstate says customers who switched saved $900 on average. It also writes rideshare, electric car, teen driver and classic car coverage. The drawback is that Allstate publishes no Arizona rate, and its savings numbers are national, so the only way to judge value is a quote.

   • ✓Buy online, by phone 24/7 or through a local agent
   • ✓Customers who switched saved $900, by Allstate's figure
   • ✓24/7 claims support and the Allstate mobile app

   • ✕No published Arizona price
   • ✕Allstate does not say on this page whether Milewise is sold in Arizona, so confirm it on a quote
   • ✕Savings figures are national, not Arizona numbers

   Average switch savings:

   $900

   Usage-based programs:

   Drivewise and Milewise

   Phone sales:

   24/7 at 866-340-2084

   Student away discount:

   More than 100 miles from home

   Bottom line: Allstate suits Arizona drivers who want an agent plus a choice between safe-driving and pay-per-mile pricing. Compare its quote with Progressive's published Arizona average.

   Visit allstate.com ↗

6. 06

   

   Liberty Mutual

   8.2/10

   National insurer with add-on coverages such as Accident Forgiveness and Better Car Replacement and a safe-driving program called RightTrack.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   7.9

   Features (35%)

   8.5

   Ease of use (25%)

   8.2

   Best forArizona drivers who want optional add-ons that protect a newer car and their rate after a first accident.

   Liberty Mutual is a good add-on choice for Arizona drivers with a newer car. Its Better Car Replacement add-on pays for a model one year newer if your car is totaled, and its Accident Forgiveness add-on keeps your rate from rising after a first accident once you have five accident-free years. Discounts include Violation-Free for clean records, Multi-Car and RightTrack, a safe driving program that pays savings to safe drivers. Liberty Mutual says drivers who switch could save over $700 and that bundling auto and home could save over $950, and its mobile app handles policy changes. The page also offers a state selector for Arizona's coverage rules. The downsides are that both standout features cost extra, and Liberty Mutual publishes no Arizona rate, so you cannot compare it with Progressive or The Hartford without a quote.

   • ✓Drivers who switch could save over $700, by Liberty Mutual's figure
   • ✓Bundling auto and home could save over $950
   • ✓More than 100 years in business

   • ✕No published Arizona price
   • ✕Accident Forgiveness and Better Car Replacement are paid add-ons
   • ✕Savings claims are national, not Arizona numbers

   Safe driving program:

   RightTrack

   Switch savings:

   Over $700

   Auto and home bundle:

   Over $950

   Accident Forgiveness:

   Add-on, after 5 accident-free years

   Bottom line: Liberty Mutual fits Arizona drivers who will pay extra for Better Car Replacement and Accident Forgiveness. Quote it with and without the add-ons to see what they cost.

   Visit libertymutual.com ↗

7. 07

   

   Travelers

   8.0/10

   Insurer sold through independent agents and by phone, with safe driver, multi-policy and good student discounts and digital claim tracking.

   Price

   Check price

   See vendor pricing (USD check pending)

   US price check pending. Vendor pricing page

   Free plan

   No

   Value (40%)

   8.1

   Features (35%)

   8.0

   Ease of use (25%)

   7.8

   Best forArizona drivers who already use an independent agent and want a carrier with digital claim tracking and multi-policy savings.

   Travelers sells car insurance through independent agents and by phone at 1.866.218.0397, which makes it easy to add to a quote comparison through an Arizona agent who also writes Progressive or Liberty Mutual. Its Safe Driver Discount applies when the household has had no accident, violation or major comprehensive claim in three to five years, and its good student discount needs a B average. Bundles cover home, condo, renters, boat, personal items and umbrella policies. Claims can be reported around the clock, tracked in a MyTravelers account and paid electronically or by check. What Travelers does not do is publish prices or discount sizes for Arizona, and its auto page has fewer self-serve tools than the app-based insurers. It suits drivers who want an agent to handle the details more than drivers who want to shop alone online.

   • ✓Sold through independent agents, so it can be compared with other carriers in one meeting
   • ✓Many bundling options
   • ✓Payment sent electronically or by check after a claim

   • ✕No published Arizona price
   • ✕Fewer self-serve tools than Progressive or Lemonade
   • ✕Discount sizes are not published

   Ways to buy:

   Independent agent, phone, online

   Safe Driver Discount:

   Three to five clean years

   Good student discount:

   B average or better

   Claim tracking:

   MyTravelers account

   Bottom line: Travelers is a solid agent-sold choice for clean-record Arizona households that bundle several policies. Ask an independent agent to quote it next to Progressive.

   Visit travelers.com ↗

8. 08

   

   Acceptance Insurance

   7.5/10

   Insurer for drivers with imperfect records, with bilingual agents, SR-22 filings and Mexican car insurance listed for Arizona.

   Price

   Customper month, Arizona liability estimate

   Acceptance's Arizona page puts the cheapest liability insurance in the state around $70 a month; Acceptance does not publish its own floor

   “The cheapest liability insurance in Arizona is around $70 per month.” Quoted from the pricing page, November 10, 2026.

   Free plan

   No

   Value (40%)

   7.7

   Features (35%)

   7.0

   Ease of use (25%)

   7.8

   Best forArizona drivers with tickets, a lapse or an SR-22 requirement, and drivers who cross into Mexico.

   Acceptance is the high-risk and border-driver pick for Arizona. Its Arizona page says bilingual agents can help drivers whose record is not perfect compare plans, and the company sells SR-22 auto insurance for drivers who must file proof of financial responsibility. The page notes that a first offense for driving uninsured in Arizona brings a $500 fine, a three-month suspension and a two-year SR-22 requirement. Acceptance also sells Mexican car insurance, which a US policy does not replace, a real need for drivers heading to Rocky Point or Nogales. The Arizona page publishes average rates: around $70 a month for the cheapest liability cover and about $220 for full coverage, with city tables showing Phoenix at $302 for full coverage and Tucson at $225. Those are market estimates rather than Acceptance prices,, and the page lists fewer coverage perks than the national brands, so ask an agent what the policy includes.

   • ✓Arizona page publishes city-level average rates
   • ✓Agents work with drivers whose record is not perfect
   • ✓Sells add-ons such as roadside, windshield and tire hazard plans

   • ✕The $70 figure is a market estimate, not Acceptance's own price
   • ✕No published list of Arizona discounts or claim service details
   • ✕Fewer coverage perks than the national brands

   Arizona liability estimate:

   About $70 a month

   Arizona full coverage estimate:

   About $220 a month

   Phoenix average, full coverage:

   $302 a month

   Mexican car insurance:

   Yes

   Bottom line: Acceptance is the Arizona choice for drivers who need an SR-22 or Mexican car insurance. Drivers with clean records will usually find better value at Progressive or State Farm.

   Visit acceptance.com ↗

Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.