Compare Phoenix, AZ Car Insurance Rates [2023]
Car insurance in Phoenix, AZ averages $400 a month. Phoenix, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Phoenix car insurance rates, compare quotes from the top car insurance companies in Phoenix, AZ.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 11, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Phoenix, AZ after a DUI are $5,630/year
- The cheapest car insurance company in Phoenix is Geico
- The cheapest car insurance company in Phoenix for teen drivers is Geico
If you need to buy Phoenix, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Phoenix, AZ is right here.
You’ll find Phoenix car insurance rates, the cheapest Phoenix, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Phoenix, Arizona car insurance rates to Chandler car insurance rates, Peoria car insurance rates, and Glendale car insurance rates.
Ready to find affordable Phoenix, AZ car insurance today? Enter your ZIP code for fast, free Phoenix car insurance quotes.
Cheapest Phoenix, AZ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Phoenix, AZ car insurance rates? Every Phoenix, Arizona car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance 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 |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,420 | $4,420 | $4,307 | $4,307 | $9,466 | $12,192 | $4,925 | $5,342 |
| American Family | $3,265 | $3,265 | $2,998 | $2,998 | $8,650 | $11,312 | $3,265 | $3,820 |
| Farmers | $3,489 | $3,491 | $3,093 | $3,300 | $15,434 | $16,048 | $3,945 | $4,072 |
| Geico | $1,945 | $2,172 | $1,659 | $2,135 | $5,623 | $5,896 | $1,765 | $1,722 |
| Nationwide | $3,055 | $3,109 | $2,723 | $2,888 | $7,706 | $9,890 | $3,542 | $3,835 |
| Progressive | $2,453 | $2,128 | $2,198 | $2,087 | $10,128 | $11,275 | $2,621 | $2,581 |
| State Farm | $3,770 | $3,770 | $3,338 | $3,338 | $11,885 | $14,940 | $4,058 | $5,134 |
| Travelers | $2,399 | $2,526 | $2,233 | $2,376 | $7,162 | $9,052 | $2,542 | $2,674 |
| USAA | $1,856 | $1,859 | $1,733 | $1,750 | $7,109 | $8,136 | $2,455 | $2,627 |
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Minimum Car Insurance in Phoenix, AZ
Every driver must carry the minimum car insurance required by the state in Phoenix, AZ. Take a look at the Arizona car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
Cheapest Phoenix, AZ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Phoenix, AZ. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Phoenix from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,873 | $5,618 | $5,025 |
| American Family | $6,214 | $4,632 | $3,993 |
| Farmers | $7,517 | $6,310 | $6,001 |
| Geico | $3,947 | $2,579 | $2,068 |
| Nationwide | $5,544 | $4,398 | $3,839 |
| Progressive | $4,950 | $4,319 | $4,033 |
| State Farm | $11,570 | $4,471 | $2,796 |
| Travelers | $4,715 | $3,840 | $3,057 |
| USAA | $4,522 | $3,164 | $2,635 |
Cheapest Phoenix, AZ Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Phoenix, AZ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,944 | $6,261 | $7,084 | $6,399 |
| American Family | $3,525 | $5,384 | $6,786 | $4,091 |
| Farmers | $5,583 | $7,212 | $7,038 | $6,603 |
| Geico | $2,207 | $3,004 | $4,040 | $2,207 |
| Nationwide | $3,873 | $4,078 | $6,081 | $4,343 |
| Progressive | $3,903 | $5,165 | $4,122 | $4,545 |
| State Farm | $5,701 | $6,857 | $6,279 | $6,279 |
| Travelers | $3,087 | $4,033 | $4,509 | $3,853 |
| USAA | $2,498 | $3,590 | $4,732 | $2,942 |
Cheapest Phoenix, AZ Car Insurance for Teen Drivers
Teen car insurance in Phoenix, AZ can be expensive. Take a look at rates from the top car insurance companies in Phoenix for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,466 | $12,192 |
| American Family | $8,650 | $11,312 |
| Farmers | $15,434 | $16,048 |
| Geico | $5,623 | $5,896 |
| Nationwide | $7,706 | $9,890 |
| Progressive | $10,128 | $11,275 |
| State Farm | $11,885 | $14,940 |
| Travelers | $7,162 | $9,052 |
| USAA | $7,109 | $8,136 |
Cheapest Phoenix, AZ Car Insurance for Seniors
Take a look at Phoenix, AZ rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,307 | $4,307 |
| American Family | $2,998 | $2,998 |
| Farmers | $3,093 | $3,300 |
| Geico | $1,659 | $2,135 |
| Nationwide | $2,723 | $2,888 |
| Progressive | $2,198 | $2,087 |
| State Farm | $3,338 | $3,338 |
| Travelers | $2,233 | $2,376 |
| USAA | $1,733 | $1,750 |
Cheapest Phoenix, AZ Car Insurance Rates After a DUI
A DUI in Phoenix, AZ increases car insurance rates. Compare Phoenix, Arizona car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,084 |
| American Family | $6,786 |
| Farmers | $7,038 |
| Geico | $4,040 |
| Nationwide | $6,081 |
| Progressive | $4,122 |
| State Farm | $6,279 |
| Travelers | $4,509 |
| USAA | $4,732 |
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Cheapest Phoenix, AZ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Phoenix, AZ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,172 | $6,172 |
| American Family | $4,899 | $4,994 |
| Farmers | $6,609 | $6,609 |
| Geico | $2,816 | $2,914 |
| Nationwide | $4,594 | $4,594 |
| Progressive | $4,434 | $4,434 |
| State Farm | $6,117 | $6,441 |
| Travelers | $3,871 | $3,871 |
| USAA | $3,404 | $3,478 |
Cheapest Phoenix, AZ Car Insurance Rates by ZIP Code
Phoenix car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Phoenix, AZ.
| ZIP Code | Average Annual Rates |
|---|---|
| 85003 | $4,961 |
| 85004 | $4,987 |
| 85006 | $5,050 |
| 85007 | $4,984 |
| 85008 | $4,786 |
| 85009 | $5,434 |
| 85012 | $4,990 |
| 85013 | $5,013 |
| 85014 | $4,812 |
| 85015 | $5,154 |
| 85016 | $4,711 |
| 85017 | $5,394 |
| 85018 | $4,616 |
| 85019 | $5,328 |
| 85020 | $4,826 |
| 85021 | $5,073 |
| 85022 | $4,550 |
| 85023 | $4,749 |
| 85024 | $4,490 |
| 85025 | $4,961 |
| 85026 | $4,738 |
| 85027 | $4,407 |
| 85028 | $4,477 |
| 85029 | $4,957 |
| 85031 | $5,298 |
| 85032 | $4,556 |
| 85033 | $5,180 |
| 85034 | $5,035 |
| 85035 | $5,186 |
| 85037 | $4,751 |
| 85039 | $4,501 |
| 85040 | $5,085 |
| 85041 | $5,070 |
| 85042 | $4,847 |
| 85043 | $4,999 |
| 85044 | $4,181 |
| 85045 | $4,204 |
| 85048 | $4,139 |
| 85050 | $4,346 |
| 85051 | $5,107 |
| 85053 | $4,687 |
| 85054 | $4,408 |
| 85065 | $4,677 |
| 85073 | $4,789 |
| 85083 | $4,285 |
| 85085 | $4,130 |
| 85086 | $4,054 |
| 85087 | $4,090 |
| 85097 | $4,460 |
The Best Cheap Car Insurance Companies in Phoenix, AZ
Take a look at a side-by-side comparison of the top car insurance companies in Phoenix, AZ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,172 |
| American Family | $4,947 |
| Farmers | $6,609 |
| Geico | $2,865 |
| Nationwide | $4,594 |
| Progressive | $4,434 |
| State Farm | $6,279 |
| Travelers | $3,871 |
| USAA | $3,441 |
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Category Winners: Cheapest Car Insurance in Phoenix, Arizona
Find the cheapest car insurance companies in Phoenix, AZ for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
Cheapest Phoenix, AZ Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Phoenix car insurance rates. Find the cheapest Phoenix, AZ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,712 | $6,211 | $6,594 |
| American Family | $4,760 | $5,104 | $4,975 |
| Farmers | $5,542 | $6,683 | $7,602 |
| Geico | $2,360 | $2,911 | $3,322 |
| Nationwide | $4,360 | $4,648 | $4,773 |
| Progressive | $3,837 | $4,524 | $4,940 |
| State Farm | $5,615 | $6,406 | $6,816 |
| Travelers | $3,426 | $3,936 | $4,249 |
| USAA | $3,161 | $3,491 | $3,671 |
What affects car insurance rates in Phoenix, Arizona?
What are the factors that affect car insurance rates in Phoenix, AZ? There are several reasons why Phoenix car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Phoenix, Arizona.
Car Theft in Phoenix
High levels of vehicle theft can make car insurance more expensive. Phoenix, AZ car theft statistics from the FBI indicate 7,815 vehicle thefts a year.
Commute Time in Phoenix
The more time you spend in your car the higher the risk of an accident. The average commute length in Phoenix, AZ is 26.2 minutes according to City-Data.
Traffic in Phoenix
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Phoenix, AZ traffic data from INRIX ranks Phoenix as the 290th-most congested in the world.
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Compare Car Insurance Quotes in Phoenix, AZ
Ready to find affordable Phoenix, Arizona car insurance today? Enter your ZIP code for fast, free Phoenix, AZ car insurance quotes.
Frequently Asked Questions
What factors can affect car insurance rates in Phoenix, AZ?
Car insurance rates in Phoenix, AZ can be influenced by various factors, including your driving record, age, gender, type of vehicle, annual mileage, credit history, coverage limits, deductible amount, and the insurance company’s pricing structure.
Are car insurance rates higher in Phoenix, AZ compared to other cities?
Car insurance rates can vary from city to city, and while Phoenix, AZ may have its own unique factors, such as higher population density or specific risks, it’s important to compare rates across multiple locations to get an accurate comparison.
How can I find the best car insurance rates in Phoenix, AZ?
To find the best car insurance rates in Phoenix, AZ, consider these steps:
- Shop around and obtain quotes from multiple insurance companies.
- Compare coverage options and policy features.
- Check for discounts you may be eligible for.
- Review customer reviews and ratings of insurance providers.
- Consider working with an independent insurance agent who can help you find competitive rates.
Are there any discounts available to lower car insurance rates in Phoenix, AZ?
Yes, several discounts may be available to help lower car insurance rates in Phoenix, AZ. These can include safe driving discounts, multi-policy discounts, good student discounts, discounts for certain vehicle safety features, low mileage discounts, and more. It’s worth checking with your insurance provider to see which discounts you may qualify for.
Are there any specific insurance requirements for drivers in Phoenix, AZ?
Yes, like all of Arizona, drivers in Phoenix are required to carry a minimum amount of liability insurance. The minimum coverage requirements in Arizona are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage per accident. However, it’s generally advisable to consider higher coverage limits to adequately protect yourself.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.