The best car insurance providers strike a balance between affordability and service quality. They have high customer satisfaction scores and financial stability.
However, young adults should seek a company that has a good MoneyGeek score for satisfaction and claims handling.
Top Insurance Companies
State Farm
As one of the largest car insurance providers in the United States, State Farm is well known for offering a wide range of auto coverage options. The company offers a variety of discounts to help drivers save money, including the Drive Safe & Save program and Steer Clear young driver monitoring. State Farm also offers a variety of different auto insurance policies, ranging from minimum liability coverage to comprehensive and collision coverage. Customers can often save money by bundling their auto insurance with home or life insurance.
State Farm is also an excellent choice for homeowners, with high customer satisfaction ratings and a solid record with claims. In fact, its home insurance policies offer a number of unique coverages that set it apart from competitors. These include personal articles coverage, which protects items like jewelry or valuable art; replacement cost coverage; and an electrical fire prevention program in partnership with Ting. In addition, State Farm has a robust mobile app that allows policyholders to get quotes, find an agent, or manage their claims.
As a nationwide insurer, State Farm typically has some of the lowest rates for auto and home insurance in Arizona, making it a good choice for a lot of consumers. Having said that, its customer service rating tends to be below average in some areas.
Allstate
Taking its name from the Allstate line of automotive products sold at Sears in 1925, Allstate Insurance is one of the largest car and home insurers in the country. It also offers business insurance and annuities. WalletHub gives Allstate an overall score of 2.9/5, ranking it third quartile among major car insurers.
Allstate also has a strong digital presence with the Allstate Mobile app and partnerships with TrueCar, Rategenius, AutoZone, Sirius XM, and Valvoline. These partnerships are meant to offer customers discounted rates on products and services that complement their Allstate policies. For example, Allstate home policyholders can get a free year subscription to the HomeAdvisor service, which helps them connect with professionals who can perform tasks like painting, installing and repairing appliances, faucets, pipes and gutters.
Allstate is available nationwide and offers a wide range of auto insurance policies including traditional liability, collision and comprehensive coverage. It also offers specialty coverage like rideshare and classic car insurance. Its financial strength is rated A+ by AM Best, AA- by S&P and Aa3 by Moody’s, which indicates the company can pay its claims in a timely manner. However, some Allstate customers have experienced difficulties when filing a claim or interacting with customer service representatives.
USAA
With a top rating from NerdWallet and fewer complaints to state regulators than the industry average, USAA is an excellent choice for Arizona residents looking for an insurer with reliable The company offers comprehensive auto, home, and life insurance policies, plus a range of other financial services, including retirement planning, investment options, and banking services.
USAA also ranks highly for its ease of use, with a well-designed website and mobile app that make it easy to view and manage policy information. It’s available in most states, and the company also provides a wide range of discounts. For example, those who have a clean driving record can save by bundling their car and home insurance with USAA.
For a full list of available discounts, visit the USAA website. Its robust digital tools and resources include calculators, planners, and budgeting support to help drivers manage their finances. The company’s dedication to community engagement and corporate social responsibility initiatives underscore its commitment to the safety and security of Arizona families and businesses.
Liberty Mutual
It is the sixth largest auto insurance company in the United States and also offers home, renters, life and small business policies.
In the past year, Liberty Mutual donated more than $3.5 million to support community causes and projects. It is also a member of the Business Council for Sustainable Development, and six of its offices are certified to LEED or Green Building standards.
The company has a solid reputation with consumers, earning a 3.5% score from WalletHub and high marks from ratings agencies and watchdog organizations. However, it has a few blemishes on its record. For example, it had more than three times the expected number of complaints in a 2022 J.D. Power auto claims satisfaction study and has below-average ratings on consumer review sites Trustpilot and Sitejabber.
Like other car insurance companies, the monthly premiums you pay will depend on your driving history and the coverage options you select. Generally speaking, younger drivers typically have the highest rates because of their lack of driving experience, and those with a clean record earn the lowest rates. The table below displays average monthly quotes for liability coverage with Liberty Mutual by driver age.