Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 7, 2020

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Key takeaways...

  • Arizona residents must have car insurance to drive legally
  • When analyzing the highly rated insurance companies in Arizona, it is advisable to consider the market share
  • Certain factors affect the amount of premium that one would have to pay for car insurance in Arizona

Arizona has a good number of companies that provide clients with car insurance policies. Based on their performance and customer satisfaction levels, these companies are critically scrutinized in a bid to rate them.

Usually, there are certain factors that are considered when car insurance firms are being rated.

These car insurance rating factors include the average complaint ratio, customer satisfaction levels over some period of time, and financial stability.

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Table of Contents

1. The Complaint Ratio

If the complaint ratio is low, it implies that the company has received fewer complaints as compared to one that has a high complaint ratio.

The complaint ratio provides very important information about a company and its service.

This figure is drawn from the number of complaints that are filed at the Department of Insurance in Arizona.

In most cases, the bigger insurance firms normally receive more complaints as compared to the smaller companies. This can be attributed to the huge clientele base that such companies deal with.

Some examples of the use of the complaint ratio in some states are described as follows:

  • In Texas, the complaint index is 1(one) which is an average. Less than one means less complaints and more than one means more complaints as compared to the original.
  • In Massachusetts, the figure is calculated as the total number of complaints made for every $ ten million in the number of premiums.
  • For New York, the complaint ratio is the total number of complaints divided by an average number of car insurance premiums that have been written in the State.

As much as the complaint ratio is an important factor to look at when selecting the best car insurance firm in Arizona, it is also advisable to consider other factors such as the market share and the company’s financial strength in a bid to make the best choice.

It is vital to select an insurance company that has an impressive track record when it comes to repaying claims.

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2. Customer Satisfaction

For a car insurance company to receive good ratings, it must provide exemplary services to its clients. Unsatisfied clients are very dangerous to the future performance of the business.

This is because of the negative reviews that can easily be sent out when the client is discontent.

However, it is worth noting that the competition in the car insurance industry is very stiff.

This has made it necessary for the insurance companies to strive and provide clients with excellent services with the aim of customer retention and attraction.

The level of customer satisfaction is clearly brought forth from the complaint ratio.

f the ratio is very high, then many clients are unhappy with the services that are being provided by the insurance company.

3. Market Share

When analyzing the highly rated insurance companies in Arizona, it is advisable to consider the market share.

The bigger the share, the more clients the company has. This is an indication of good performance.

Poorly-rated car insurance firms usually occupy a small market share.

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4. Financial Stability

An insurance company that is not financially stable is risky to select. This is because such companies can easily go into liquidation.

It would also be very unfortunate for one to deal with a company that has a very poor record of paying claims.

The rate at which the car insurance firm pays up its claims is a clear indication of the company’s financial muscle.

One should carry out some research before making the ultimate decision.

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Top Ten Car Insurance Companies in Arizona

Below is a detailed list of the top ten car insurance firms that operate in Arizona:

  • Progressive Preferred Insurance Company
  • Western General Insurance Company
  • Milbank Insurance Company
  • Mendota Insurance Company
  • Topa Insurance Company
  • Arizona Automobile Insurance Company
  • Infinity Insurance Company
  • Electric Insurance Company
  • Universal North America Insurance Company
  • Safeway Insurance Company

This listing is based on the complaint ratio of each company that was computed in the year 2010.

Below are the figures of the complaint ratio for the above-mentioned car insurance companies:

  • Progressive Preferred Insurance Company had a complaint ratio/index of 0.095
  • Western General Insurance Company had a 7.634 complaint index/ratio
  • Milbank Insurance Company had a 0.0 complaint ratio/index
  • Mendota Insurance Company had a complaint index of 0.256
  • Topa Insurance Company had a complaint ratio/index of 0.0
  • Arizona Automobile Insurance Company had a complaint index/ratio of 0.136
  • Infinity Insurance Company had a complaint index/ratio of 0.484
  • Electric Insurance Company had a complaint index of 0.09
  • Universal North America Insurance Company had a 0.0 complaint ratio/index
  • Safeway Insurance Company had a complaint index of 0.039

It is essential to point out that States such as Maine, Missouri, Oregon and Indiana compute a complaint index instead of calculating the complaint ratio.

Making Quotation Comparisons

Notably, there is no standard charge for car insurance in Arizona and hence different companies have different car insurance rates.

Certain factors affect the amount of premium that one would have to pay.

It is simple to compare the prices from different car insurance companies in Arizona by using the web.

It is worth mentioning that the car insurance industry in Arizona is very competitive and hence the companies are working tirelessly to retain clients and attract new ones.

Get all the information you need to know on Arizona car insurance by entering your ZIP code below into our FREE search!

References:

  1. http://www.id.state.az.us/
  2. http://teendriving.aaa.com/MA/supervised-driving/licensing-and-state-laws/
  3. https://dmv.ny.gov/younger-driver/graduated-license-law-and-restrictions-drivers-under-18
  4. https://www.westerngeneral.com/
  5. https://www.nationwide.com/arizona-auto-insurance.jsp
  6. https://www.safewayinsurance.com/default.aspx?Lang=EN
  7. https://www.mercuryinsurance.com/local/arizona-auto-insurance.html