The Best Car Insurance Companies in Arizona: 2024 Survey

Safeco, Clearcover, and Commonwealth are the best car insurance companies in Arizona, according to real drivers.
Written by R.E. Fulton
Edited by Kathleen Flear
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Safeco
beat out the competition in Jerry’s insurance shopping survey to take the top spot as the best car insurance company in
Arizona
. 
  • Safeco is the best car insurance company in Arizona, based on a survey of 247 real drivers. 
  • Clearcover, Commonwealth, Kemper, and Dairyland also offer competitive annual premiums to many Arizona drivers. 
  • Car insurance quotes are based on tons of individual factors, from age and credit score to ZIP code and driving record.
    Compare quotes
    to find the best insurer for your profile. 

We asked real Arizona drivers to rate their insurance company—and Safeco came out on top

Jerry conducted the nation’s biggest insurance shopping survey to narrow down the best insurance companies in Arizona. The results: 
  • Best overall: Safeco Insurance
  • Runner-up: Clearcover Insurance
  • Best for cheap full coverage: Commonwealth Casualty Company
These three companies came out on top in the five categories that matter most to policyholders: 
  1. Policy cost
  2. Customer service
  3. Policy renewal 
  4. Claims process
  5. Ease of finding a policy

What makes Safeco Arizona’s best car insurance company?

Low rates, stellar customer service, and a smooth claims process make Safeco stand out from the pack
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Safeco Insurance

Overall Jerry score: 4.5/5.0
  • AM Best rating: A (Excellent)
  • BBB rating: A+
  • NAIC complaint index: 1.08 (average)
Full coverage
Minimum coverage
Monthly
$193
$83
Annual
$2,318
$992
See more reviews

Runner-up: Clearcover Insurance

Clearcover didn’t score a perfect 5.0 in any category in our survey, but their average rating of 4.7 stars puts them well above the competition. 
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Clearcover Insurance

Overall Jerry score: 4.7/5.0
  • AM Best rating: A- (Excellent)
  • BBB rating: A+
  • NAIC complaint index: 3.14 (above average)
Full coverage
Minimum coverage
Monthly
$196
$120
Annual
$2,349
$1,445
See more reviews

Cheap full coverage: Commonwealth Casualty Company

Commonwealth scored slightly lower than Safeco in every category—except price. They’re one of the cheapest insurers for full coverage in Arizona. 
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Commonwealth Insurance

Overall Jerry score: 4.7/5.0
  • AM Best rating: A- (Excellent)
  • BBB rating: A+
  • NAIC complaint index: 3.14 (above average)
Full coverage
Minimum coverage
Monthly
$164
$110
Annual
$1,964
$1,325
See more reviews

9 Arizona car insurance companies got 5-star customer service ratings

In our survey, just nine of Arizona’s top auto insurance providers scored 5 out of 5 for customer service: 
  • American Family
  • Aspire Advantage
  • Auto Owners
  • Commonwealth Casualty
  • Esurance
  • Gainsco
  • The Hartford
  • Safeco
  • USAA

Kemper and Safeco make policy renewal a breeze

Six of the companies surveyed received a perfect 5-star rating for
policy renewal
  • American Family
  • Auto Owners
  • Esurance
  • Kemper
  • Root Insurance
  • Safeco

Safeco and Dairyland have the best claims process in Arizona

Only five companies achieved a 5.0 score for their
claims handling process
  • American Family
  • Auto Owners
  • Dairyland
  • Safeco
  • USAA

The 5 cheapest auto insurance companies in Arizona

We analyzed real quotes from thousands of Arizona drivers and narrowed down the five cheapest insurance providers in the Grand Canyon State: 
Insurance companyAverage annual premium
Allstate$1,590
Commonwealth Insurance$1,964
Nationwide$1,965
Travelers$2,171
Mercury$2,229
The rates above are based on a
full coverage policy
for a driver with a clean driving record. Want to see real quotes for drivers with a range of driving history, age, and coverage levels? Check out the table below. 
CustomerVehicleDriving recordMonthly rateInsurance companyCoverage
Ford F150 Supercrew
Speeding under 15
$128
Nationwide
• State Minimum Liability
• Comp / Collision
GMC Sierra C1500
$115
Safeco
• State Minimum Liability
• Comp / Collision
Dodge Challenger SXT
DUI
$319
Allstate
• State Minimum Liability
• Comp / Collision
Jeep Compass Limited
$168
Travelers
• 100,000/300,000 Liability
• Comp / Collision
Nissan Kicks S
$128
National General
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jun 13, 2024
If you’re paying more for car insurance than the rates shown above, it might be time to switch to a new insurance provider. Download the Jerry app to find real quotes, compare coverage limits, and even
bundle your homeowners and auto policies
. Jerry is a
major insurance agency
backed by a team of 100+ licensed insurance agents. 

FAQs

Arizona’s minimum car insurance requirements are $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury per accident, and $15,000 of property damage liability insurance. 
But state minimum coverage could leave you underinsured in the event of a car accident. Most Arizona drivers need full coverage car insurance with collision coverage, comprehensive coverage, and uninsured motorist coverage. 
All Arizona auto insurance companies offer the same basic types of insurance. The differences that matter most are the cost of coverage, customer satisfaction, and the availability of additional coverage options like gap coverage, roadside assistance, and vanishing deductibles.
The average cost of car insurance in Arizona is close to the national average at $2,388 for full coverage. If you have a clean driving record and a good credit score, you’ll see some of the cheapest rates. On the other hand, young drivers, drivers with poor credit, and drivers with DUIs tend to see high auto insurance rates, especially in major Arizona cities like Phoenix and Tucson. 
Teens are considered high-risk drivers due to their lack of on-road experience. Opt for a full coverage auto insurance policy from a company specializing in high-risk coverage, such as Progressive, Kemper, or Dairyland. 
Safeco, Auto Owners, and American Family offer some of the best car insurance policies for seniors in Arizona, with stellar ratings for customer service and policy renewal. 
While Auto Owners and American Family tend to charge steep car insurance premiums, drivers over 55 typically see much lower rates due to their experience on the road. 
Minimum liability car insurance is the cheapest auto insurance coverage option in Arizona, but it could leave you with steep out-of-pocket costs in the event of an at-fault accident. 
Check out insurers like Commonwealth Casualty Company for cheap car insurance with full coverage protections. 
Comparing car insurance quotes and researching car insurance discounts are the best ways to find affordable rates in Arizona. 
Jerry gives drivers instant access to the best rates from dozens of the cheapest car insurance companies in Arizona. Download the app today to find your free quotes! 

Methodology

We asked 247 Arizona drivers to rate their current insurance provider in five categories: (1) policy cost, (2) customer service, (3) policy buying process, (4) renewal process, and (5) claims process. Jerry’s editorial team analyzed the results of the survey to write this article. 
The insurance companies included in the survey were AAA, Allstate, American Family Insurance, Arrowhead, Aspire Advantage, Auto Owners, Bristol West, Clearcover, Commonwealth, Commonwealth Casualty Auto Insurance, Dairyland, Esurance, Farmers, Gainsco, GEICO, Kemper, Liberty Mutual, Mercury, Metlife, Nationwide, Progressive, Root, Safeco, State Farm, The General, The Hartford, Travelers, and USAA. 
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