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Best Car Insurance In Arizona – Top 10 Revealed

Red and Yellow Hatchback car crash covered by the best car insurance in Arizona

Car insurance is a legal requirement in the United States, and the right amount of coverage for your car can give you proper financial protection if anything unfortunate were to happen. According to the Arizona Department of Transportation, in 2017 alone, over 120,000 car crashes occurred in Arizona. The best car insurance in Arizona may not protect against the actual accident, but the damages and costs can be diminished with the right coverage!

Having good car insurance is an essential aspect if you own a car. Why? Well, in the case of a car crash, you will need something to cover your expenses. It is also a legal obligation and can be detrimental if you are found without one.

Don't think it's only limited to cars! All motorist must be insured against their liability towards other people as stipulated in the Road Traffic Act of 1988, meaning if you have a motorcycle or any other type of motored vehicle, you must be insured to go on the road. Seeing as it is illegal to drive without it, if you are found with no insurance, you can be fined or disqualified for driving altogether.

So What Exactly Is Comprehensive Car Insurance?

Fully comprehensive car insurance covers you for damage to yourself, as well as your car. It can also cover for the third party in case of a crash. On top of which, mattering on the insurance, it can cover your car being stolen, or if your car takes fire damage.

wrecked car

Image Source: ​pixabay.com

There are four types of car insurance to be wary of:

Third-party Only

Third-party only means that if you are in a car crash that is your fault, the insurance company will cover the other parties needed compensation. If your car needs any repairs, however, you will need to pay for it yourself.

Third-party, Fire, and Theft

Similar to the last policy, this protects you from having to pay for the opposite parties damages, but it also protects against your car being stolen or any fire damage.

Telematics or "Black Box"

This is a newer option that might be optimal for newer, younger drivers. Your rate is determined by how well you drive with trackers installed inside your car. The better you are, the lower your rates.

Comprehensive

This covers you for practically everything. If you're in a crash, you are compensated as well as the other party. You are also protected against fire and theft.

Each type has its strengths and weaknesses. Search around different insurance agencies and see what's right got you.

Car Insurance FAQ

1. What is the Best Car Insurance in Arizona?

​2. How Do I Apply for the Best Car Insurance in Arizona?

​3. If I Have Moving Violations, Can I Still Get Coverage?

​4. How Can I Choose the Right Level of Coverage?

How We Reviewed

To find the best car insurance in Arizona, we looked at everything each insurance company had to offer. From the top insurance company in Arizona, we then chose the best car insurance in Arizona by looking at the features, coverage options, discounts, and filing claims, as well as the general pros and cons of each car insurance.

Overall Price Range

​The price range of insurance can vary wildly depending on what you are going for. Most of the time, you are going to be paying more than $200 a month, mattering on what you need.

What We Reviewed

  • ​State Farm
  • ​American Family
  • ​GEICO
  • ​Progressive
  • ​Farmer's Insurance
  • ​Allstate
  • ​Freedom National
  • ​Auto-Owners
  • ​USAA
  • ​Travelers

State Farm

Statefarm

Image source: statefarm.com

Features

State Farm has been around since 1922. As you might expect from the name, it has special insurance options for farmers and ranchers. You can call in to get a quote or visit one of their 18, 000 State Farm agents nationwide.

Coverage Options [5 Stars]

State Farm offers basic, collision, and comprehensive coverage. It also has liability insurance, car rental and travel expenses, uninsured/underinsured motor vehicle coverage, emergency road service, and rideshare driver coverage, plus coverage for medical payments.

State Farm has coverage options for cars, motorcycles, boats, and motor homes. It also has coverage for rental cars, teen drivers, business vehicles, and antique classic cars.

Discounts [4 Stars]

State Farm offers accident-free discounts, good student discounts, defensive driving discounts. It offers safe vehicle discounts and discounts for loyal customers with over one insured vehicle or policy through State Farm.

Apps/Website [4 Stars]

Customers can log into the website or app to access their policy information.

Ease of Filing Claims [5 Stars]

Customers can file claims over the phone by calling 800-SF-CLAIM or by going online to https://www.statefarm.com/claims.

​Pros

  • ​Apply in person or over the phone
  • ​Coverage for classic cars
  • ​Good for those with spotty driving records

Cons

  • ​Rates are slightly higher
  • ​Some agents better than others
American Family Insurance-Logo

Image source: amfam.com

Features

American Family has been in business for over 90 years. It has offices in 19 states and over 10,000 employees. Its average yearly auto insurance premium for customers is $3,443 according to US News & World Report.

Coverage Options [5 Stars]

American Family has coverage for collision and comprehensive. Collision meaning that if you rear-ended someone or vice versa, you are covered.

Discounts [4 Stars]

American Family has many different discount option that may make coverage more affordable for you. For example, if you are a student and are making good grades, you are liable for a discount on your insurance. Same for if you are a good driver.

Apps/Website [4 Stars]

You can go to their site or use their app to find more information about their policies and discounts.

Ease of Filing Claims [5 Stars]

Customers report dissatisfaction with the claims filing process.

Pros

  • Low rates for high coverage amounts
  • Customers with clean driving records get good rates

Cons

  • Significantly higher rates for young and male drivers
  • Higher rates than its competitors

GEICO

geico

Image source: geico.com

Features

Geico, standing for the Government Employees Insurance Company, is one of the largest auto insurers in the United States. It was founded in 1936 by Leo Goodwin Sr. and was made to provide auto insurance directly to federal government employees and their families.

Geico is known for covering all types of vehicles including motorcycles.

Coverage Options [5 Stars]

You can get the basic collision or comprehensive car insurance coverage here.

Discounts [4 Stars]

Geico has plenty of discount options, including but not limited to safe driving discounts, good student discounts, seat belt use discounts among many more.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Some customers complain that the prices are at times too steep to file claims.

​Pros

  • Has many discount options
  • Can use app or website for use

Cons

  • Prices can be high
  • Has a complicated sign-up procedure.

Progressive

progressive logo

Image source: progressive.com

Features

Progressive is known to be one of the largest auto insurance companies in America. It was founded by Joseph Lewis and Jack Green in 1937 giving good insurance to more risky drivers. It is now known for giving insurance to not only cars but boats, RVs, motorcycles, among many more vehicles.

Coverage Options [5 Stars]

Progressive is known for having many coverage options to fit your specific needs.

Discounts [4 Stars]

They have many different discounts that make your insurance less of a hassle.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since they are such a big firm, it is easy to file a claim. There are many different options in ways to contact them.

​Pros

  • Fast and easy process
  • Many different ways to get coverage
  • Many great discounts

Cons

  • Can still get expensive
  • Can be a bit daunting for newcomers

Farmers

farmers logo

Image source: farmers.com

Features

Key features of Farmers Insurance include personal injury protection and rideshare insurance. According to US News & World Report, the average yearly premium is $4,194.27.

Coverage Options [4 Stars]

Farmers insurance has many coverage options to fit your specific needs.

Discounts [4 Stars]

Farmers offer bundle discounts.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [3 Stars]

While there are several ways to contact them, it isn't as simple as pressing a button.

​Pros

  • Offers bundle discounts
  • Has many coverage options

Cons

  • Comparatively difficult to contact
  • Expensive

Allstate

Allstate logo

Image source: allstate.com

Features

Being yet another of one of the largest car insurance companies in America, Allstate was founded in 1931 as part of Sears. They have branches all over America, and even have work in Canada!

Coverage Options [5 Stars]

They offer many different coverage options to help you on your way to getting great insurance!

Discounts [4 Stars]

While not as diverse in discounts as some other big companies, Allstate does not skimp out in having various discounts to make your insurance affordable.

Apps/Website [4 Stars]

You can go on their website or app to get further information about their policies.

Ease of Filing Claims [5 Stars]

Since the firm is so large and has so many ways of contact, it is easy and simple to get your claims filed.

​Pros

  • Larger firm means easier contacts
  • Good coverage options
  • Many discounts on hand

Cons

  • Larger firms mean colder workers

Freedom National

freedom national logo

Image source: freedomgeneral

Features

Freedom National is an online insurance agency made to provide cheap and affordable car insurance for your needs. It provides for multiple products around several states making it easy to find cheap and affordable car insurance. It's one for the best car insurance in Arizona specifically because it specializes there.

Coverage Options [5 Stars]

Because liability coverage is required in Arizona, they specifically cater to that law-abiding need. They also cover physical damage and medical payments, which is rare.

Discounts [3 Stars]

While they do not explicitly express discount rates, their low overall rates make them a great option.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [3 Stars]

Due to being a smaller firm, customers seem to have difficulty getting into contact with the dealers.

​Pros

  • Local, so it can provide for specific needs
  • Has many coverage options
  • Cheap

Cons

  • Coverage can vary
  • Have long wait times

Auto-Owners

auto owners

Image source: auto-owners

Features

Holding insurance for over 200 million policyholders, Auto-Owners Insurance has won several rewards for its service and is known for good insurance.

Coverage Options [5 Stars]

Auto-Owners has many different coverage options and includes rad repair, meaning if something happens to you on the road, such as a flat tire, you can get it repaired with just a call away.

Discounts [3 Stars]

Their discounts are not freely displayed. However, they are known for their cheap and accessible rates.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [4 Stars]

Filing a claim with them is as easy as getting on their website and giving them a problem. You can also call them on their hotline.

​Pros

  • Easy claim system
  • Cheap and accessible
  • Are well established

Cons

  • Service can be slow

USAA

USAA Logo

Image source: usaa.com

Features

The United States Automobile Association or USAA for short is a Texas-based financial service that has branches around many states. While they have insurance hands in many different branches, they specialize in car and automobile insurance.

Coverage Options [3 Stars]

They offer very basic collision coverage.

Discounts [3 Stars]

There aren't many discounts to be found, but they do offer different services based on your situation.

Apps/Website [3 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [4 Stars]

There are many ways to make a claim—from going online to making a call.

​Pros

  • Decently easy to contact
  • Have many different options and plans
  • Can help you in more than car insurance

Cons

  • Hard to get information about them

Travelers

travelers

Image source: travelers.com

Features

Travelers Insurance is a company first founded back in the 1850s. It covers many different types of insurance, including auto insurance, and is known for being the second biggest writers for casualty insurance.

Coverage Options [5 Stars]

Travelers Insurance has a wide range of discounts to help you on your way.

Discounts [5 Stars]

Travelers Insurance has a wide range of discounts to help you on your way.

Apps/Website [4 Stars]

You can go on their website to get further information about their policies.

Ease of Filing Claims [5 Stars]

Phone numbers, websites, emails, and social media accounts are just some of the ways that you can contact them, and it's a simple and easy process.

​Pros

  • Great coverage
  • Many options to fit specific needs
  • Many discounts to help you on your way

Cons

  • Can still get expensive
  • Can be slow

The Verdict

Though there were many great choices in terms of who or what had the best coverage, Progressive seemed to have the best in most regards. While not local like some of the other insurance companies, it still had great coverage at good prices, on top of which having good service. Of the many types of insurances, I think that it covered most of what anyone would need on top of having good discounts for those different services.


Featured Image from Pixabay

Root Auto Insurance Review

Man in shades inside car

Root is part of a new wave of insurance providers using your own driving habits to help determine your rates. In this Root auto insurance review, we will go into what exactly Root auto insurance is and what makes it different, plus information on how to apply, filing claims, and more.

What Is Root Auto Insurance?

Root is an auto insurance company headquartered in Columbus, Ohio. It has over 350 employees and plans to expand further.

Root is the first entirely mobile app-based auto insurance company. Good drivers are rewarded with lower rates based on their driving behaviors. Each customer has to do a test drive before Root will offer coverage.

Root collects telematics from the accelerometer in users' smartphones plus other data. It uses its own algorithm to calculate driving behavior and risk and offer policies accordingly.

Driving Algorithm

Root uses a combination of 200 factors to decide on a driver's rate. These include braking, the number of miles driven, turning, and phone use while driving. Root says the app's machine learning can detect whether you are biking or taking the train versus driving, and those trips won't be counted.

man holding smartphone

​image source: pixabay

It may go without saying that drivers need to have their phones with them at all times when they're driving. The test drive usually takes around 2-3 weeks to complete. For the best outcome, don't drive late at night if you can avoid it, never text and drive, and avoid hard turns and braking.

Day One Coverage

Usually, customers must already be insured or get short-term coverage through another provider during the test drive. But Root offers some customers coverage "from day one". Based on the driving test, Root may not offer a policy, but customers have 60 days of coverage in which to find another provider.

Customers can click here to see if they are eligible for day one joinroot.com/help/day-one.

Where Is Root Auto Insurance Available?

US map

​image source: unsplash

Root auto insurance is licensed in 23 states nationwide: Arizona, Arkansas, Colorado, Delaware, Illinois, Indiana, Iowa, Kentucky, Louisiana, Maryland, Mississippi, Missouri, Montana, New Mexico, Nebraska, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, and Utah.

If your state isn't listed yet, keep checking back on Root's website.

Root Auto Insurance Review

According to Clearsurance.com, Root has a rating of 3.48 out of 5. Customers like that they get lower rates across the board. Some unhappy reviews come from customers who were denied coverage after the test drive, while others were unhappy with the claims process. From those who pass, however, Root auto insurance generally gets good marks.

How to Apply

hand shake

​image source:  pixabay

As you can see from our Root auto insurance review, it is easy to apply. Once you download the app, the app does most of the work.

The app, once downloaded to your phone, detects your driving behavior, miles driven, and also knows when you drive most, at night or during the day. Late-night driving is seen as less safe than daytime. Careful drivers who don't work late hours will see the best rates.

  1. Download the app and sign up for your test drive.
  2. Take the test drive. This could last anywhere from 2 weeks to 30 days depending on how much you drive.
  3. Check your score on the Driver Scorecard on the app. You can track how you're doing with turning, braking, and maneuvering the road.
  4. Get your score. You will be ranked between 1-10. If your score is lower than you'd like, you can try to increase it during the rest of your test drive.
  5. Get your quote from Root based on your Driving Scorecard.

What If I Am Not Offered a Quote?

We hope all readers of this Root auto insurance review try Root out.

If you don't get a quote, that probably means the score on your Driving Scorecard wasn't high enough. Or there could have been other factors. Reach out to Root directly to ask for clarification on your situation.

How to Contact Root

​ phone: 9 a.m. to 5 p.m. EST, M-F at 1-866-980-9431

​email: contact@joinroot.com

How to File a Claim

business man handshake

​image source: pixabay

Readers of this Root auto insurance review should not be surprised that you file claims through Root's mobile app. This is a truly app-based insurance company. You can upload photos and enter information about the accident. A claims adjuster will be in touch to complete the process.

Features


Here are some features we want to highlight in this Root auto insurance review:

  • ​Mostly app-based
  • ​Rates based on driving behavior
  • ​Low rates for good drivers
  • ​Must submit 2-3 weeks of driving behavior through the app to get a quote
  • ​Choice of Lyft credits instead of a rental car
  • ​Lower rates for Tesla Autopilot drivers

Pricing

The cost of your Root auto insurance policy depends on a few things. Mostly it depends on the outcome of your test drive. Other points like past driving history and age factor in, but not as much as with other providers.

How It Compares

business man looking at the laptop

​image source: pixabay

We picked a few similar products available on the market to see how they compare in this Root auto insurance review.

  • ​Ameriprise
  • ​Erie
  • ​GEICO

Root Auto Insurance


Coverage Options - 4 Stars

As you can see from this Root auto insurance review, Root offers adequate coverage for drivers in any state.

Root offers the usual coverage options you come to expect. It includes 2 free calls for roadside assistance at no extra charge.

Here is a list of the coverage options:

  • ​Bodily injury
  • ​Property damage
  • ​Collision and Comprehensive
  • ​Medical payments
  • ​Personal injury protection
  • ​Under and insured motorist protection
  • ​Rental car
  • ​Roadside assistance
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

​5 Stars

Based on Internet review, customers give Root's mobile app and website high marks.

Pros

  • ​Able drivers are rewarded with low rates
  • ​Good for teens or other high-risk drivers

Cons

  • ​Six-month long policies
  • ​The test drive is normally not covered
  • ​Submitting a long period of driving behavior
crashed cars

​image source: pixabay

Ameriprise

An important part of our Root auto insurance review is to review other providers out there. One fantastic choice is Ameriprise. Customers love it for its low rates and good customer service.

Ameriprise has been in business since 1894. It also offers financial products. It received the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

Coverage Options - 5Stars

Here is a list of the coverage options:

  • ​Lifetime renewability for Ameriprise Financial clients
  • ​New car replacement
  • ​Glass repair with no deductible
  • ​Gap coverage - Ameriprise will pay up to 120% of your vehicle's value so you aren't stuck with a loan on a car you don't own anymore
  • ​Stolen key and lock replacement coverage - no deductible under $250
  • ​Accident forgiveness for policyholders with three years of safe driving
  • ​Accident travel expense coverage - if you are stranded and need accommodation for the night
  • ​Discounts
  • Apps/Website
  • Ease of Filing Claims

5 Stars

Ameriprise is very well regarded for customer service. For customer service, Ameriprise got the highest rating of any company in J.D. Power's 2015 customer satisfaction survey for the California region.

Pros

  • ​Lifetime renewability for Ameriprise Financial customers
  • ​Multiple discounts
  • ​Excellent customer service

Cons

  • ​Only available in 34 states
  • ​May have to call to get a final quote
  • ​Uses information from six years of driving history