A Deep Look At Arizona Auto Insurance Costs

If you have one of the Four Corners of The U.S. right in your back yard or root for the Cardinals, you can find the inside scoop for cheapest car insurance rates, best companies, and more here.

What Can We Help You Find?

Arizona’s Cheapest Insurance Companies

Spoiler alert: MGA Insurance, The Hartford, and Titan get the gold, silver, and bronze for Arizona’s cheapest car insurance. That’s all based on our analysis of data from The Arizona Department of Insurance—generating annual rates from 66 companies in 10 cities, and four driver profiles. If you’d like to see where Arizona drivers may be able to find the cheapest coverage, the chart below is a start based on our research.

Cheapest Car Insurance in ArizonaAverage Rate
MGA Insurance$1,249.60
The Hartford$1,323.95
Titan$1,379.45
PEKIN$1,723.05
MetLife$1,768.30
GEICO$1,780.00
Acuity$1,805.10
Auto Owners Group$1,816.40
Horace Mann$1,877.75
Civil Service Employees$1,962.00
21st Century$1,997.26
Kingsway$2,065.85
Amica Mutual$2,067.20
WBL Group$2,068.50
Safeco$2,070.00
Country Insurance $2,071.70
Fairfax$2,098.40
Nationwide$2,117.23
MAPFRE $2,202.73
Mutual of Enumclaw$2,204.44
USAA$2,250.70
Travelers$2,265.42
American National Financial$2,274.11
Progressive$2,298.75
QBE Insurance$2,299.32
Allstate$2,348.82
Ameriprise$2,359.25
State Farm$2,468.06
Badger Mutual$2,488.97
Pharmacists Mutual$2,497.30
State Auto Mutual$2,528.73
AssuranceAmerica$2,544.00
Farmers $2,553.47
Western General
$2,560.15
Safe Auto Insurance$2,587.16
Infinity$2,593.17
Safeway$2,609.27
Western National$2,612.00
Anchor Insurance$2,629.10
Cincinnati Insurance $2,647.31
Loya Insurance$2,659.83
Main Street America$2,662.91
Liberty Mutual$2,668.30
KEMPER CORP GRP$2,673.64
Hallmark Financial$2,710.31
Esurance$2,760.70
Secura$2,770.53
National General$2,799.94
Mercury$2,800.00
CSAA $2,826.00
ACE $2,837.60
American Access$2,849.86
American Independent$2,925.68
Center Mutual$2,957.22
Primero Insurance
$2,964.00
United Home Insurance$2,971.77
Iowa Farm Bureau$2,991.50
Access Insurance$3,017.14
Secura Insurance$3,079.00
United Automobile$3,128.29
American Family$3,167.83
Chubb$3,303.94
Dairyland$3,564.80
Southwest General$3,766.60
Electric $3,865.80
EMC Insurance$5,239.00

How Much Drivers Like You Spend On Auto Insurance

Whether you’re a teenager, an established married couple, or a single female over 40, you’ll be quoted a different auto insurance premium. To help gauge what you might pay for auto insurance, we calculated premiums based on data gathered for a driver with one minor violation (such as a ticket), 15,000 annual mileage, and minimum state liability coverage. All of the cars used were different, a factor that can make premiums vary.  This is a good start to see where you’ll find the cheapest coverage for your age group.

Cheapest For Teens

Teen drivers are a unique group to insurance companies because they statistically get into more accidents than any other demographic. If you’re looking for car insurance as a teen driver, you’ll want to go with a company that has plans tailored to you. We analyzed rates from both 18 year old men and women, and found that men will pay roughly 2% more.  The Hartford is the most affordable and is about $300 cheaper than MGA Insurance–the second cheapest.   Based on price alone, here are the five cheapest average annual rates we found for teen drivers by company.

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Cheapest For Young Adults

What do Babe Ruth, Abe Lincoln, and Robert E. Lee all have in common? They were customers of The Hartford. This could be because The Hartford has the cheapest auto insurance rates for male drivers who are 21 or younger with clean records, according to our research. If you’re in this age group, here’s where you may find the cheapest rates in Arizona.

 Average Annual Rate
The Hartford$1,594.40
MGA Insurance$1,889.60
Titan$2,056.60
Pekin$2,151.00
Horace Mann$2,287.40

Cheapest for Drivers Over 40

We compared rates provided for drivers over 40, and found that MGA Insurance is the cheapest by $134, regardless of gender. See how much car insurance may cost you if you’re over 40 in Arizona:

 Average Annual Rate
MGA Insurance$725.90
Titan$859.00
GEICO$950.00
The Hartford $1,165.70
Kingsway $1,197.80
Mutual Of Enumclaw $1,262.70
21st Century $1,331.00
USAA $1,338.20
Pekin $1,352.50
MAPFRE $1,361.10
Travelers $1,364.10
Ameriprise Financial $1,376.30
American National Financial $1,426.60
QBE $1,576.00
Horace Mann $1,576.80
State Farm $1,583.10
Nationwide $1,584.20
State Auto Mutual $1,669.60
MetLife $1,768.30
Western National Mutual $1,791.90

Cheapest For Married Couples

Our findings shows that married couples in Arizona generally get cheaper premiums than single adults. Based on married couples who are 42-years old, here are the cheapest auto insurance companies in the state for you:

 Average Annual Rate
MGA Insurance$816.60
Titan$1,035.80
Kingsway$1,100.80
GEICO$1,236.80
21st Century$1,433.80
The Hartford$1,487.00
Ameriprise Financial$1,579.00
Mutual Of Enumclaw$1,593.40
USAA$1,638.80
MAPFRE$1,668.40

Cheapest For Female Drivers

Women statistically get into fewer accidents than men—especially when they’re in their teens. Our research shows that women’s rates are generally less than men’s—a fact that coincides with national trends. Below, you’ll find the cheapest Arizona car insurance annual premiums for an average female drivers.

City Rates

Scottsdale is only 13 miles from Phoenix, but our research shows that drivers pay about $147 less there than in the big city. Flagstaff—which is 30% college students—is also one of the cheapest Arizona cities for auto insurance. After looking at data and running some numbers, here are the averages for your neighboring cities:

Arizona Insurance by CityAverage Annual Rate
Sierra Vista$2,210.04
Flagstaff$2,341.64
Yuma$2,398.09
Tucson$2,490.38
Nogales$2,501.27
Casa Grande$2,517.75
Mesa$2,531.36
Scottsdale$2,590.80
Phoenix$2,737.70
Glendale$2,809.30

Most Popular Arizona Car Insurance Carriers

Market share shows the percentage of customers a company has compared to rivals. It can also show you how a company is doing as a whole. For instance, our data shows that State Farm is pretty pricey compared to other providers, but it has the largest market share in Arizona. Some of the cheapest providers in Arizona—such as MGA and Titan—don’t make the top ten for customer popularity. The Hartford—which is one of the cheaper options—only holds a small portion of the state’s insured drivers too.

 Market Share %Average Premiums
State Farm17.47$2,468.06
GEICO12.81$1,780.00
Progressive9.94$2,298.75
Farmers9.42$2,553.47
Allstate8.6$2,348.82
USAA7.13$2,250.70
American Family6.03$3,167.83
Liberty Mutual5.27$2,668.30
The Hartford2.77$1,323.95
CSAA Insurance2.13$2,826.00

This could mean that people are paying more for coverage if it comes with better options and customer service. Take a look to see how popular Arizona insurance companies are and decide for yourself.

Customer Satisfaction Ratings

A“complaint index” shows the percentage of customers who complain compared to the amount a company has in that area (market share). What you need to know is that the lower the number, the less complaints a company is getting.

In Arizona, we found that all of the top ten auto insurance providers have zero complaint indexes. See for yourself with the index below.

 Complaint Ratio
The Hartford0
Pekin0
Horace Mann0
Titan0
MGA0
GEICO0
Pharmacists Mutual0
USAA0
IDS Property Casualty0
Safe Auto0
Southwest General0
Mendota0
American National0
Travelers0
Unigard0
CSAA0
Kemper Independence0
American Family0
Secura Supreme0
Mutual of Enumclaw0
Bankers Standard0
Arizona Automobile0
Badger Mutual0
National General0.029
Pacific Insurance0.036
Farmers Insurance Company of AZ0.04
State Farm0.043
Allstate0.064
Milbank0.065
Permanent General Assurance0.067
United Automobile0.069
Primero0.075
21st Century0.077
Omni Insurance0.078
Cincinnati Insurance0.081
MAPFRE0.084
Infinity0.088
Austin Mutual0.088
Western General0.091
Hallmark0.099
AssuranceAmerica0.102
Mercury0.121
Access0.131
Progressive Advanced0.136
Loya0.147
American Access Casualty0.198
Anchor General0.199
United Insurance0.2
Safeway0.2
Allied Property and Casualty0.205

Our Recommendation

We’re in the business of bringing you the facts about auto insurance so you can decide what’s best for you. Here is what the facts tell us:

Want an all-around great company?

The Hartford and GEICO ranked in the top ten for market share, cheapest insurance, and low customer complaints. Horace Mann, USAA, Titan, and Pekin ranked top ten for two of those categories: cheapest insurance and low customer complaints.

Going for low cost only?

MGA, The Hartford, Titan, Pekin, and Metlife are the cheapest in the state—according to our data.

Next Steps

Depending on whether you’re in the busy city of Phoenix or sweating in the desert, you’ll need to call and get a quote if you want an accurate premium. Leaning an a licensed agent is the best advice we can give you when it comes to insurance shopping. See what they can do for you when you call 855-462-2213 .

Where We Found The Facts
The rates you see here were pulled from The Arizona Department of Insurance. We took all the data and analyzed it to give you a better idea of what to look for as an Arizona driver, but this doesn’t mean that will be the premium you’ll pay. Every driver has his/her own record, age, gender, and more differing details, so you can expect a different premium than your friends. We just wanted to show you what average drivers pay for auto coverage in Arizona so you can base your insurance shopping off of something.

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