Compare Phoenix, AZ Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Phoenix, Arizona

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 in Phoenix, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Phoenix, Arizona

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. Compare credit history car insurance rates in Phoenix from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Phoenix, Arizona

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. Compare bad driving record car insurance rates in Phoenix, AZ to rates for a clean record with top companies.

Annual Phoenix, Arizona Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Phoenix, Arizona

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Phoenix, Arizona

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Phoenix, Arizona

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.

Annual Car Insurance Rates by Commute Length in Phoenix, Arizona

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.

Annual Car Insurance Rates by ZIP Code in Phoenix, Arizona

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.

Average Annual Car Insurance Rates by Company in Phoenix, Arizona

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.

Best Annual Car Insurance Rates by Company in Phoenix, Arizona

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 coverage you choose will have an impact on your Phoenix car insurance rates. Find the cheapest Phoenix, AZ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Phoenix, Arizona

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 factors can have an impact on Phoenix, AZ car insurance? 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.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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