FREE Car Insurance Comparison
Secured with SHA-256 Encryption
Compare quotes from the top car insurance companies and save!
|City Density||3,401 people per square mile|
|Average Cost of Car Insurance in Phoenix||$5,433.92|
|Cheapest Car Insurance Company||USAA|
|Road Conditions||Poor Share: 23%|
Mediocre Share: 29%
Fair Share: 20%
Good Share: 27%
Whether you’ve come to this great city to explore the desert, cheer on the Suns, or to enjoy the sunshine, one thing is for certain: You should make the best of it.
Phoenix is home to 1.6 million people and is our nation’s fifth-largest city. It is well known for its sunny, warm days and cool nights. Well known as the Valley of the Sun, it is the only state capital with over a million residents. It is home to a diverse population centered around the southwestern lifestyle.
With so many sites and things to do, we know the streets are filled with taxis, pedestrians, and all makes and models of vehicles, which, in turn, can make driving hazardous. Accidents can happen, and that can make your car insurance go up.
In this comprehensive guide, we’re going to show you rates, company comparisons, and other specific factors that make Phoenix a city filled with warmth and sunshine.
Ready to search for insurance? Enter your ZIP code for FREE in our tool above.
The Cost of Car Insurance in Phoenix
The average cost of car insurance in Phoenix is over $5,434 per year. Car insurance rates are based on many factors, including your age, marital status, and whether you live in Desert Ridge or closer to Central City.
We know there are ways to save money on your car insurance.
In this section, we’re going to show you specific rates on what folks pay for their car insurance in Phoenix based on some of these factors. Of course, these rates are average, and your rates can be higher or lower, depending upon your circumstances.
– Male vs. Female vs. Age
Age plays a significant role when it comes to the cost of car insurance. Not only do people 55+ get discounts on everything from food to hotels, but they also pay less for car insurance.
Not so for young drivers, especially male teen drivers who pay more for their car insurance than any other demographic. The good news is that Phoenix does not allow insurers to consider gender when calculating rates. Excluding seven states (CA, HI, MA, MT, PA, NC, and parts of MI), insurance rates differ by gender across the country.
According to Data USA, the mean age in Phoenix is 33.8 years.
Let’s review the average rates charged by insurance companies in Phoenix for different age groups.
|Average Annual Rate||$10,105.79||$3,384.84||$2,966.21||$2,747.78|
As the data shows, as drivers mature, their rates decrease over time by thousands of dollars.
It’s not surprising that marital status plays a significant role in determining car insurance rates. Considering popping the question? Make sure you let your insurance provider know they said yes, and see if it will impact the price you pay for your car insurance.
Check out the table below to see how your rates compare.
|Demographic||Average Annual Rates|
|Single 17-year-old female||$9,240.33|
|Single 17-year-old male||$10,971.25|
|Single 25-year-old female||$3,235.53|
|Single 25-year-old male||$3,534.14|
|Married 35-year-old female||$2,961.25|
|Married 35-year-old male||$2,971.16|
|Married 60-year-old female||$2,697.88|
|Married 60-year-old male||$2,797.67|
Rates for married couples are nearly identical for those in their 30s. The largest difference is for married couples in their 20s, where males pay more than $300 for insurance coverage.
– Cheapest Zip Codes in Phoenix
Where you live in Phoenix can also impact how much you pay for car insurance.
Who doesn’t love The Rhinestone Cowboy? But in all seriousness, large metropolitan areas have certain areas plagued with poverty, crime, and decay. If you live in those neighborhoods, you can pay more for your car insurance.
Check out the table below to see how much you pay for car insurance based upon where you reside.
|Zip Code||Average Annual Rate|
– What’s the best car insurance company in Phoenix?
Who is the best car insurance company in Phoenix? The word best can mean different things to different people. In the sections below, we’ll explain what’s considered best, in various categories, to see if it can help you save on your car insurance.
– Cheapest Car Insurance Rates by Company
We’re all looking for cheap car insurance. But, we’re also looking for the best cheap car insurance. Most of the top providers are licensed in Phoenix, for your convenience, we listed those companies, and the average annual cost, in the table below.
|Company||Married 35-year old female||Married 35-year old male||Married 60-year old female||Married 60-year old male||Single 17-year old female||Single 17-year old male||Single 25-year old female||Single 25-year old male||Average|
Of the top providers, USAA has the cheapest car insurance rates. One thing to remember about USAA is that you must be affiliated with the military to be a customer. For non-military drivers, Geico has the lowest rates, so if “best” means cheap rates, they are the company for you.
– Best Car Insurance for Commute Rates
In Arizona, according to the Federal Highway Administration, drivers average more than 12,829 miles driven each year. How far do you commute? Did you know your daily commute has an impact on your car insurance rate?
We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance. Check out the chart below to see how your commute stacks up against what others pay.
|Company||10 miles commute / 6,000 annual mileage||25 miles commute / 12,000 annual mileage||Average|
State Farm and Geico have the largest difference when it comes to commute rates, but most companies have the same rates no matter the length of your commute.
– Best Car Insurance for Coverage Level Rates
Have you thought that having the lowest minimum coverage in Phoenix is the best way to ensure you and your family are protected? Sometimes, that’s not necessarily the case, because the difference in low to high coverage is less than you think.
Check out the table below to see the differences in coverage.
If you’re a customer with Nationwide, it’s good news because there’s only a $300 difference between low and high coverage. However, the news isn’t so good if you’re a State Farm customer because their rates are more than $12400 higher between low to high coverage.
You might ask, what is high or low coverage?
Low coverage is the state-mandated minimum coverage required to drive legally in Arizona
The minimum auto insurance coverage (effective July 1, 2020) needed in Arizona is:
- Bodily Injury Liability – $25,000 for one person with a total of $50,000 per accident
- Property Damage Liability – $15,000 per accident
However, you should consider adding important coverages for increased protection.
For high coverage, you can consider increasing your liability limits and opting for the following relevant coverages:
– Best Car Insurance for Credit History Rates
Having good credit is essential if you don’t want to pay higher rates from car loans to mortgages. But did you know poor credit can also affect how much you pay for car insurance?
The following table shows how much rates can vary by credit score among the top providers.
|Company||Good Credit||Fair Credit||Poor Credit||Average|
The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. If your insurance provider is State Farm and you have poor credit, your rates can be $9,000 more than someone with good credit.
– Best Car Insurance for Driving Record Rates
If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.
The table below shows rates with these three violations compared to the rate for a clean record.
|Company||Clean record||With 1 speeding violation||With 1 accident||With 1 DUI||Average|
Having one too many can not only land you in jail, but it can cost you thousands on your car insurance. For example, a DUI will increase your rates by $3,200 if you have car insurance through American Family. Your rates will vary, and we encourage you never to drink and drive.
– Car Insurance Factors in Phoenix
Car insurance rates are not based solely on the driver-specific factors which we’ve mentioned above. Rates are also calculated on city-specific factors such as your zip code, economic prosperity in your city, and average income levels.
In this section, we’ll discuss how these external factors influence your car insurance rates in Phoenix.
– Metro Report – Growth & Prosperity
According to the Brookings Institute, Phoenix ranks 39th in growth and 82nd in prosperity nationally. This means that the economy in the Phoenix-Mesa-Scottsdale area is healthy and thriving, and healthy economies encourage more business and bring in higher-paying jobs.
The expected job growth of 10 percent for the Phoenix area outpaced that at 13.2 percent. Government and service industry jobs are fueling this growth. Job growth, along with raises in income and overall productivity of the Phoenix workforce, has all led to Phoenix’s continued prosperity.
What does a healthy economy mean to you as a car insurance consumer? It means that competition for your business is fierce among car insurance companies, which translates to better rates for you when you set out to purchase your policy.
– Median Household Income
According to Data USA, the median household income of Phoenix is $56,696, whereas the national median household income is $60,336.
However, in 2016, the average median income in Phoenix was $49,268. This means income has increased by 1.58 percent.
If you want to compare your insurance as a percentage of your income, use the calculator below to get started.
– Homeownership in Phoenix
Owning your own home is a dream many of us have and may impact what rates you pay for insurance. Homeownership indicates the general health of the local economies, and insurers usually consider it to be a good indicator of your financial stability.
Being a homeowner won’t directly impact your auto insurance rates or your ability to qualify for a plan. But there may be additional discounts you are eligible for, so be sure and check with your provider.
In 2017 about 56 percent of homes in the Phoenix area were occupied by the people who own them. This number was up 53 percent from the previous year.
If you are thinking of buying a home in the Valley of the Sun, it is good to know that the median property value in Phoenix stands at around $231,000.
– Education in Phoenix
There are many colleges and universities around the Phoenix area that offer a varied assortment of programs and degrees.
The largest of these are:
- University of Phoenix (Arizona) with a student body of 195,059
- Grand Canyon University with a student body of 62,304
- Arizona State University with a student body of 50,320
Here are the top community colleges in Phoenix:
- Mesa Community College with a student body of 22,711
- Glendale Community College with a student body of 20,506
If a four-year degree isn’t something you’re searching for, then community colleges, which offer two-year degrees as well as technical certificates and diplomas, might be a better option.
About 38.7 percent of the students who attend some of these institutes choose to pursue a degree in nursing, according to Data USA, which translates to approximately 6.000 nursing degrees being awarded in 2015.
This statistic may not be surprising when you consider that women outnumber men in the student body populations of these institutes by almost double.
– Wage by Race & Ethnicity in Common Jobs
According to DataUSA, Asians were the highest-paid ethnicity in Phoenix, who were paid 1.2 times more than Whites, the second-highest-paid group. Looking at the percentage of annual income spent on car insurance by the various races/ethnicities reveals why it is necessary to do your homework before you purchase your car insurance policy.
|Ethnicity||Micellaneous Managers||Premiums as Percentage of Income||Firstline Supervisonrs of Retail Sales Workers||Premiums as Percentage of Income||Customer Service Representative||Premiums as Percentage of Income||Elementary and Middle School Teachers||Premiums as Percentage of Income||Cashiers||Premiums as Percentage of Income|
|Two or More Races||$52,890||10.27%||$61,580||8.82%||$18,594||29.22%||$37,011||14.68%||$12,058||45.06%|
– Wage by Gender in Common Jobs
For every dollar a man earns, a woman earns just 79 cents. Although the wage gap is closing among male and female workers, there is still room for improvement.
According to DataUSA, the average male salary in Phoenix is $62,465, while the average female wage is $47,801.
The following chart shows the wage gap across professions in Phoenix:
|Gender||Micellaneous Managers||Premiums as Percentage of Income||Firstline Supervisonrs of Retail Sales Workers||Premiums as Percentage of Income||Elementary and Middle School Teachers||Premiums as Percentage of Income||Customer Service Representatives||Premiums as Percentage of Income||Cashiers||Premiums as Percentage of Income|
– Poverty by Age and Gender
In Phoenix, 20.9 percent of the city’s population lives below the poverty line, whereas the national average is 13.4 percent. Females, aged 25-34 are the largest demographic living below the poverty line, while males in the same age group face similar challenges.
– Poverty by Race & Ethnicity
The most common racial/ethnic group to be in poverty in Phoenix is White (44.7 percent), followed by Hispanic at 38 percent.
– Employment by Occupations
Phoenix employs more than 792,000 people across different industries. The largest employers in the city are education, healthcare, and retail. Food preparation and serving related occupations make up 5.87 percent of the Phoenix workforce.
Driving in Phoenix
We’ve mentioned that your credit score, driving record, education level, and other factors contribute to the cost of car insurance. But insurance companies also base rates on the car you drive, road conditions, traffic congestion in your area, crime reports, and so much more.
– Roads in Phoenix
With a city as large as Phoenix, there are bound to be certain roads that are confusing and disorienting if you’re new to the town. Your GPS wants you to turn left, but somehow, you’ve managed to turn into a dead-end street, and your device goes into “recalculating mode.”
If you’re tired of trying to figure out which road to take to work, Phoenix has a city-wide network of cameras to help motorists avoid trouble spots.
In this section, we’ll cover the highways and interstates and help you calculate which way you need to go so you’ll never make another wrong turn.
– Major Highways in Phoenix
Rush hour in Phoenix for drivers taking the 101 Loop to I-10 can be quite stressful. This video explains more:
The busiest section of highway in Phoenix is Bell Road, which connects the northern part of the city across the Agua Fria River to the growing suburb of Surprise. According to Azcentral.com:
Of the top five busiest freeway stretches in the Valley, Phoenix has four of them on I-10:
- The stretch of I-10 that runs from the Seventh Street exit to the eastbound 16th Street exit saw an average of 293,718 vehicles per day.
- The roughly 1.5 miles between the 24th Street and 32nd Street/University Drive exits wasn’t far behind, with a daily average of 253,774 vehicles.
- The segment from Seventh Avenue to the Third Avenue exits saw an average of 250,608 vehicles per day.
- From the 35th Avenue to 27th Avenue exits, 250,497 vehicles passed by each day
Some of Phoenix’s other popular routes include:
- The Papago Freeway
- The Maricopa Freeway
- The Black Canyon Freeway
- Arizona State Route 24
- Arizona State Route 51
- The U.S. Route 60…also known as the Superstition Freeway
- The Agua Fria Freeway
- The Pima Freeway
- The Price Freeway
- The Red Mountain Freeway
- Arizona State Route 143
- The Santan Freeway
- The Northern Parkway
- Arizona State Route 74
- And Arizona Route 85
Phoenix does not have a well-developed mass transit system, so its residents must rely mostly on private passenger vehicles. Traffic conditions have caused state and local governments to purpose expansions to roadways such as the I-11 project.
Arizona and the Phoenix area are also considering adding toll roads as a means for paying for new projects in the future.
According to ABC15:
There are 15 states in the nation that do not have toll roads and Arizona in one of the. Despite efforts to combat traffic and raise revenue, one-third of Arizona residents would like to keep it that way.
– Popular Road Trips/Sites
Phoenix is known for its warmth and sunshine, but what other attractions and sites are available for tourists to discover and enjoy?
Here are some must-see places in Phoenix:
– Road Conditions in Phoenix
The average vehicle operating costs for Phoenix residents, according to Tripnet.org is about $550 a year. Poor road conditions can also add a substantial amount to your vehicle operating costs, which is why residents of the city are concerned with things such as potholes or inadequate drainage.
Local station ABC 15 explains:
The concerns by Phoenix residents are not unfounded either.
According to the city, 3,227 of the city’s 4,863 miles of streets — or about 70 percent — are in less than good condition, and another 800 will slip into that category in the next five years if not repaired.
If you need to report an issue with your street, you can go to the City of Phoenix website and fill out a simple form.
– Vehicles in Phoenix
Your insurance rate is also dependent on vehicular factors such as what car you drive and if it is in the theft list. In this section, we will cover these topics and more.
– Most Popular Vehicles Owned
According to Your Mechanic, the most popular car in Phoenix is the Dodge Ram 1500. It doesn’t get the best gas mileage averaging 20 mpg in the city and 25 mpg on the highway. There are a large number of ranchers in the area who use the truck for work around the farm and other tasks.
This video explains more about available safety features:
Folks in Phoenix may love this truck, but it may be more expensive to insure than other, smaller vehicles. Make sure you check with your insurance carrier to make sure you’re not paying too much for insurance.
– How many cars per household
In Phoenix, the average household has two vehicles followed by 1-car households then 3-car households.
– Households without a Car
Phoenix doesn’t have an extensive mass transit system, so most residents of the city have a car. However, in 2016, 8.4 percent of households didn’t have a personal vehicle.
Even though you don’t own a car, that doesn’t mean you shouldn’t buy a car insurance policy. Many car insurance companies offer non-owner car insurance for people who drive on occasion even if they don’t personally own a vehicle.
– Speed traps in Phoenix
According to The Phoenix Times, the 10 worst speed traps in the Phoenix area are:
- Near Phoenix schools
- On Scottsdale Road
- On Rio Verde Drive, in Scottsdale
- On Power Road, in Mesa
- Near Scottsdale schools
- In Mesa school zones
- On Grand View Avenue, in El Mirage
- In North Chandler
- On Lincoln Drive, in Paradise Valley
- And on Tatum Boulevard, in Paradise Valley
– Vehicle Theft in Phoenix
According to the FBI, 6,355 vehicle thefts occurred in Phoenix in 2017. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently, and thus, may have higher insurance rates.
|Phoenix Violent Crimes 2017||Murder||Rape||Robbery||Assault|
|Rate per 1,000||0.1||0.7||2.03||4.87|
These statistics are why Phoenix ranks as being safer than 7 percent of other U.S. cities. Your chances of becoming a victim of violent crime in Phoenix, on the whole, are also one in 130, which is lower than Arizona in total.
|Phoenix Annual Crimes||Violent||Property||Total|
|Number of Crimes||12,511||60,353||72,864|
|Crime Rate (per 1,000 Residents)||7.69||37.12||44.81|
Don’t let those stats alarm you. There are numerous safe neighborhoods in the Phoenix area. The video below explains where:
Whether you live in a neighborhood that isn’t safe, or in a neighborhood where there are no issues, it’s always a good idea to have extra coverage on your vehicles to protect your investment.
– Traffic in Phoenix
Waiting. Stressing. Aggravation. We’ve all been there.
Traffic. It’s the worst.
– Traffic Congestion
Phoenix ranks 125th in the world as the most congested city, according to Inrix.com. Drivers in Phoenix spend over 73 hours annually stuck in traffic at the cost of $1,013 per driver.
According to DataUSA, the average commute time in Phoenix is 25 minutes, which is lower than the national average of 25.5 minutes.
FREE Car Insurance Comparison
Compare quotes from the top car insurance companies and save!
Secured with SHA-256 Encryption
– Commuter Transportation
The most common method of travel for workers in Phoenix was driving alone, followed by those who carpooled and those who work at home. As previously mentioned, Phoenix’s public transportation options are less than ideal which accounts for the large number commuters in the area.
– How safe are Phoenix streets and roads?
Accidents can and do happen, and the following chart shows the fatalities by county for the state of Arizona from 2013-2017
|County||2013 Fatalities||2014 Fatalities||2015 Fatalities||2016 Fatalities||2017 Fatalities|
Maricopa County, which includes Phoenix, has had the highest number of traffic fatalities in the state over the past few years.
Some of these fatal accidents include drivers who are under the influence. Take a look at the data below to see what this means to you as a resident of Phoenix.
|County||2013 Alcohol Fatalities||2014 Alcohol Fatalities||2015 Alcohol Fatalities||2016 Alcohol Fatalities||2017 Alcohol Fatalities|
Maricopa County is the front runner in these types of fatal car accidents. Maricopa County is also out front when it comes to single-vehicle crash fatalities.
|County||2013 Single Vehicle Crash Fatalities||2014 Single Vehicle Crash Fatalities||2015 Single Vehicle Crash Fatalities||2016 Single Vehicle Crash Fatalities||2017 Single Vehicle Crash Fatalities|
Given that most Phoenix drivers choose to commute alone, this is not surprising. What is surprising is that drivers in Maricopa County also have the highest number of speeding-related fatalities compared to neighboring counties.
|County||2013 Speeding Fatalities||2014 Speeding Fatalities||2015 Speeding Fatalities||2016 Speeding Fatalities||2017 Speeding Fatalities|
Knowing your neighbors are in such a hurry could help you avoid a traffic accident. It helps you understand how advantageous leaving the house earlier than normal can be. Paying attention behind the wheel can also have a positive impact on your life and the lives of others, considering that 122 people died in 2017 as a result of roadway departures.
|County||2013 Roadway Departure Fatalities||2014 Roadway Departure Fatalities||2015 Roadway Departure Fatalities||2016 Roadway Departure Fatalities||2017 Roadway Departure Fatalities|
Phoenix neighbors in Pinal County should keep their eyes on the road. Especially since their number of roadway departure deaths seem to be on the rise.
Keeping your eyes on the road can also help you avoid intersection related accidents, which could lower the number of 160 deaths from this type of accident reported for Maricopa County.
|County||2013 Intersection Fatalities||2014 Intersection Fatalities||2015 Intersection Fatalities||2016 Intersection Fatalities||2017 Intersection Fatalities|
All the data collected by the NHTSA seems to indicate that Phoenix drivers should be among some of the most aware in the state. The NHTSA has also collected data on passenger car occupant fatalities, which express why it is so important to buckle up when riding in a motor vehicle.
The chart below explains more.
|Country||2013 Passenger Car Occupant Fatalities||2014 Passenger Car Occupant Fatalities||2015 Passenger Car Occupant Fatalities||2016 Passenger Car Occupant Fatalities||2017 Passenger Car Occupant Fatalities|
Some of these numbers can be attributed to the fact that Maricopa County is the most populated county in Arizona.
Watching where you are walking can also help prevent a car accident. In 2017, Maricopa County saw 143 car accidents that resulted in pedestrian deaths. This figure is much higher than Phoenix neighbors in La Paz County or Pinal County.
|County||2013 Pedestrian Fatalities||2014 Pedestrian Fatalities||2015 Pedestrian Fatalities||2016 Pedestrian Fatalities||2017 Pedestrian Fatalities|
Maricopa County also saw 22 people lose their lives as a result of an accident involving a bicycle and a car.
|County||2013 Pedalcyclist Fatalities||2014 Pedalcyclist Fatalities||2015 Pedalcyclist Fatalities||2016 Pedalcyclist Fatalities||2017 Pedalcyclist Fatalities|
NHTSA also has statistics on fatalities by road type that could help you be more aware behind the wheel. The table below reveals the amount of fatal car crashes in the entire state of Arizona by road type.
|Arizona Road Type||Fatal Crashes|
|Freeway and Expressway||48|
|Total Fatal Crashes||1|
As you can see from the data, most fatal accidents occur on Principle Arterials. These include interstate highways, freeways, and expressways. Because traffic is often traveling much faster on these types of roads, this may come as no surprise.
– Allstate America’s Best Drivers Report
In 2019, Allstate created a list of the top cities where drivers are least likely to get into a car accident. Phoenix drivers have room for improvement, ranking 83rd out of 200 cities.
Needless to say, more accidents equal more insurance claims, thus driving up premiums.
An average driver in Phoenix spends 8.5 years between claims, whereas the national average is 10.6 years.
According to RideGuru.com, Phoenix has the following ridesharing services for you to choose from:
- Traditional Taxi services
- Total Ride
- And Uber
– EStar Repair Shops
Has your car broken down, and you’re not sure where to take it? Esurance created an E-star repair shop network that provides a list of reputable and top-quality repair shops near your location.
Check out the list below to find the one closest to you.
|Shop Name||Address||Contact Info|
|GERBER - TEMPE/UNIVERSITY DRIV||2100 W UNIVERSITY DR|
TEMPE AZ 85281
P: (480) 774-9999
F: (480) 774-9997
|CARSTAR MICHAEL'S COLLISION||11044 N CAVE CREEK RD|
PHOENIX AZ 85020
P: (602) 371-1700
|GERBER - TEMPE/PRIEST DR.||8045 S PRIEST DRIVE|
TEMPE AZ 85284
P: (480) 422-3870
F: (480) 705-3212
|GERBER - MESA/BROADWAY RD||1015 W BROADWAY RD|
MESA AZ 85210
P: (480) 969-5485
F: (480) 962-8745
|GERBER - SCOTTSDALE/SAN VICTOR DRIVE||8910 E SAN VICTOR DR|
SCOTTSDALE AZ 85258
P: (480) 391-7000
F: (480) 391-0200
|CHANEY'S COLLISION CENTERS||7161 N 61ST AVE|
GLENDALE AZ 85301
|7161 N 61ST AVE|
GLENDALE AZ 85301
P: (623) 934-9000
F: (623) 939-8658
|CHAPMAN AUTO BODY||999 W BELL ROAD|
PHOENIX AZ 85023
P: (602) 866-6180
|SERVICE KING GILBERT||1572 W. HARVARD AVENUE|
GILBERT AZ 85233
P: (480) 507-8778
F: (480) 507-8194
|GERBER - GILBERT||477 N COOPER RD|
GILBERT AZ 85233
P: (480) 632-4747
F: (480) 497-0786
|GERBER - CHANDLER||725 E. CHANDLER BLVD.|
CHANDLER AZ 85225
P: (480) 917-8833
F: (480) 917-8836
– Weather in Phoenix
The weather. Everyone’s favorite topic. What’s the weather like in Phoenix, you may be wondering?
- Annual high temperature: 86.7 F
- Annual low temperature: 63.4 F
- Average temperature: 75.05 F
- Average Sunshine: N/A
- Average annual precipitation: 8.04 inches
If you live in Phoenix, you can expect some form of precipitation, only 36 days of the year.
– Public Transit in Phoenix
While most people choose to drive their personal vehicles wherever they go in the Phoenix area, there are other options besides ridesharing if you decide not to.
The regional transit system in Phoenix is called the Valley Metro. This system includes:
- Public buses
- Neighborhood circulators
- Dial-a-Ride services
- Vanpool service
- Online carpool matching
- Valley Metro Rail
– Cost of Alternate Transportation in Phoenix
Buses, trains, and cars are not the only way to get around in the Valley of the Sun. Phoenix residents can also rent a bike from places like Grid, or check out options for renting a Scooter or even a wheelchair.
You can also rent a Vespa if you are looking to get around the city on the cheap. Be aware, though, that some of these places might make you sign an insurance waiver or pick up rental insurance.
– Parking in Phoenix
If you decide to brave the city streets with your car, then you will probably need to find parking at some point.
DTPHX also asserts that there are over 25,000 parking spaces in the metro area, so there is no reason for getting a parking ticket. If you do get one though the CIty of Phoenix offers you several ways to pay for it:
- By Mail at Phoenix Municipal Court, PO Box 25650, Phoenix, Az. 85002-5650
- By Phone by calling 602-262-6421, Monday through Friday from 8:00 a.m. to 5:00 p.m., except for legal holidays. You must have a credit or debit card ready when calling.
– Air Quality in Phoenix
The more cars on the road, the higher the chances of pollution being in the area, which leads to poor air quality. According to the EPA. The Phoenix-Mesa-Scottsdale enjoyed both good days and bad days in between 2016 and 2018.
The following chart explains more:
|Phoenix-Mesa-Scottsdale Air Quality Index||2016||2017||2018|
|Days Unhealthy for Sensitive Groups||67||82||66|
|Days Very Unhealthy||3||2||12|
Many insurance companies offer additional discounts to active duty military personnel, their extended families, and veterans.
In this section, we will discuss the rates and discounts that the men and women in uniform can expect from insurance companies operating in Phoenix.
There are 11 military installations in the Phoenix area, including Luke Air Force Base, the U.S. Defense Investigation Services outpost, the Arizona National Guard Post ar Papago Park, and the U.S. Marine Corps base off of Interstate 17.
In Phoenix, the majority of military personnel and veterans have served in Vietnam and the Second Gulf War.
If you are a veteran or in the military, the following providers offer military discounts:
- Liberty Mutual
- State Farm
- The General
Phoenix has numerous military installations, including Luke Air Force Base, the Arizona National Guard Post ar Papago Park, and the U.S. Marine Corps base off of Interstate 17.
To all military personnel, we salute you and thank you for your service.
Unique Phoenix Laws
A fascinating law not just in Phoenix, but active statewide is called The Stupid Motorist Law. This law makes anyone who bypasses barricades and gets caught in a flooded area liable for the costs if they require emergency assistance.
Anyone riding a horse or driving a horse-drawn carriage is also held accountable to the same rights and responsibilities as a person operating a motor vehicle. Arizona also has a ban on handheld devices.
If you want to follow the latest trends and live in a tiny home, there are some regulations to consider. First of all, any dwelling built on a permanent foundation can be no smaller than 200 square feet. For any tiny home built on a trailer, they have to be larger than 160 square feet.
The city also offers monthly rates for parking in certain areas as well as reserved parking for residents.
Phoenix Car Insurance FAQs
We’ve covered a lot of ground in this comprehensive guide to car insurance in Phoenix, but you may still have some questions. Our last section looks at some commonly asked questions about the great city of Phoenix.
– What time is it in Phoenix, AZ?
Phoenix is in the Mountain Standard Time zone. This means that if you are not in the same time zone, you will need to add or subtract hours from your day to determine what time it is in the Valley of the Sun, or you can use Timeanddate.com‘s convenient tool. Enter a city or time zone and hit the go button.
– How can I get current road conditions near Phoenix?
Arizona DOT offers realtime traffic and weather conditions online for your convenience. You can also enter start and ending addresses, and this tool will help you map your route.
– Does Arizona have a concealed weapon law?
Arizona does allow its residents to conceal carry with a permit. With the exception to Idaho’s, Arizona does honor all other out of state concealed carry permits as well. When it comes to Idaho, Arizona only recognizes the Enhanced Permit, not the Standard Permit.
– Are the laws different on tribal lands?
There are 22 sovereign American Indian communities residing within the state of Arizona. Each of these Indian Nations has its lands, government, laws, and rules for visitors. Before traveling to any of these lands, you should check with their local law enforcement division for specific laws or regulations that might be of concern to you.
– Where is the Phoenix Airport?
Phoenix Sky Harbor International Airport is located at 3400 E Sky Harbor Blvd, Phoenix, AZ 85034. The airport is not just for travelers, either. Phoenix Sky Harbor boasts an impressive art collection on display to the public.
– What school district do I live in?
The city of Phoenix has 325 schools spread across 30 districts. With so many in the Valley of the Sun, it can be hard to determine which one you live in. Not to worry, though. The City of Phoenix has gathered all the information you need to find your local school district in one place. You can even search by school district, type, or name.
– Where is my local library?
– Where do I go to pay my electric or water bill in Phoenix?
Both Arizona Public Service Electric Company and the City of Phoenix Water Service Department have made finding a payment center and paying online simple. They have also gathered all the information you need on their easy to navigate websites. You can even turn your water on or off through the City of Phoenix’s web portal.
– What is the best restaurant in Phoenix?
Finding the best place to eat in town will depend on who you ask, Trip Advisor has made it easy for you though by asking the locals their preferences and sifting through the most recent critical food reviews.
– What type of car insurance coverage is required in Arizona?
- $15,000 bodily-injury liability per person and $30,000 per accident.
- $10,000 property-damage liability.
– How do I clear a registration suspension?
To clear a registration suspension, you must provide proof of Arizona liability insurance that was in effect at the time of the suspension. You can also pay $50 for a reinstatement fee and provide current proof of Arizona liability insurance if the previous type of proof mentioned cannot be obtained.
Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Phoenix, Arizona, it’s time to hit the road. Enter your ZIP code below to get a free quote comparison.