Best Phoenix, AZ Car Insurance [2024]
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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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Feb 26, 2024
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: Feb 26, 2024
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
Having car insurance is necessary for driving in the large Arizona city of Phoenix. Phoenix has the fifth highest population in the United States with 1,602,704 million people.
Two things make owning a vehicle in this highly populated city imperative.
- Phoenix does not have adequate public transportation
- Phoenix is a wide-spread city
A personal vehicle is one of the only modes of transportation available in Phoenix. Therefore, the streets are constantly highly congested, and people are always having accidents.
People spend a considerable amount of time driving in this city with the average commute time of about 25 minutes.
Read More: Compare Arizona Car Insurance Rates
Phoenix is also not far from the Mexican border. Border cities experience a large number of car thefts that support the drug and human trafficking trades. This city also has thieves who steal older cars to strip them of their parts.
Luckily for you, we make comparing car insurance easy. Just enter your ZIP code and compare car insurance quotes for free.
How much is car insurance in Phoenix?
Due to the fact that drivers in Phoenix spend so much time on the roads and the number of cars on the road, there is more of a chance of being involved in a car collision.
The high number of drivers and cars on the roads causes car insurance agents to charge high rates because of the increased risk for auto accidents.
Drivers in Arizona have the privilege of paying some of the lowest auto insurance rates in the country, but drivers in Phoenix do not have that luxury.
Because of the number of accidents that occur in Phoenix, the average rate that the residents pay for their auto insurance is $1,699.93 which is much higher than most people in the country are currently paying.
Drivers who would like to receive lower rates have the option of comparing the quotes of other insurance companies; they are not required to purchase their insurance from one specific company.
Those drivers who compare rates may choose to refuse to renew one policy and purchase another if they can receive a better Arizona car insurance deal somewhere else.
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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 |
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.
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 |
The liability coverage is the same for everyone and sometimes, people believe that the price that every car insurance company will quote every applicant will be the same, but this isn’t the case.
The minimum limits are set, but insurance companies are entitled to develop different risk profiles for different groups of people.
When clients file several claims, insurance companies will be susceptible to paying a lot of money to repair these clients’ vehicles. Therefore, those who have had a history of filing several claims pay the most for their premiums.
Some insurance companies are willing to only insure the safest people who have the best driving records that don’t show that they have collected too many points.
Insurance companies can make an exception and sell someone who has had several at-fault accidents a policy, but they will require these particular drivers to assume most of the risk by paying more money every year.
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.
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 |
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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.
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 rates on car insurance for seniors 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 car insurance after a DUI by the 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 |
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.
Find more info about the monthly Phoenix, AZ car insurance rates by ZIP Code below:
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 |
Phoenix, AZ Car Insurance Rates by Company vs. City Average
The cheapest Phoenix, AZ auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Arizona auto insurance company rates?” We cover that as well.
Phoenix, AZ Car Insurance Rates vs. Top US Metro Car Insurance Rates
Which city you live in will have a major effect on car insurance. That’s why it’s essential to compare Phoenix, Arizona against other top US metro areas’ auto insurance rates.
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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 |
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 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.
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 |
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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.
Current Phoenix Laws for Car Insurance
In order to register a vehicle or renew the registration, drivers in Phoenix need to present the Department of Motor Vehicles with proof of mandatory liability coverage.
Drivers must carry the proof inside their vehicles when they are driving so it will be available if they are ever stopped because of a moving violation.
People who can’t provide proof of insurance when they are stopped will have their licenses suspended. The process of reinstating their licenses will require fees that can amount to $10 or even be as high as $200.
Make sure to check the car insurance laws and make sure you are properly obeying them.
Car Insurance Companies in Phoenix
Phoenix car insurance companies sell insurance to meet several different obligations for making repairs after an accident.
Liability coverage is required to be a part of a Phoenix policy, but they also have several other types of optional insurance that are a good idea for drivers in Phoenix to purchase.
Liability coverage is not for the policyholder’s vehicle.
Drivers who cause accidents will have nothing for their own bodily injuries and car repair bills if they only have liability.
In this case, they can purchase several other types of auto insurance including:
- Personal Injury Protection (PIP) – pays for doctor’s visits, hospital bills, and lost wages
- Collision – pays to fix the policyholder’s car or purchase a new one if it’s totaled in a collision
- Comprehensive – pays to fix the policyholder’s vehicle damaged in a way other than through collision
- Uninsured Motorist Bodily Injury – pays medical bills when hit by a motorist without insurance
- Underinsured Motorist Bodily Injury – pays bills when by a motorist who doesn’t have enough insurance
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When to Compare Phoenix Car Insurance Quotes
Comparing car insurance quotes is not something that people only need to do once. A good time to compare rates is when insurance companies raise your insurance.
Another time that everyone needs to see if another insurance company can offer them better rates is about four weeks before their current insurance policies are about to expire.
Take your current coverage and compare it to the rates that other companies will offer for the same exact coverage.
We can help you save money by comparing and finding cheap rates for car insurance for you! Enter your ZIP code today and start saving.
Compare Car Insurance Quotes in Phoenix, AZ
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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.
Are car insurance rates in Phoenix, AZ higher or lower than the national average?
Car insurance rates in Phoenix, AZ may vary compared to the national average. While it’s difficult to generalize, factors such as population density, traffic congestion, and local risks can impact insurance rates in a specific area. It’s recommended to compare local rates to the national average to assess the relative cost.
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 specific insurance companies known for offering competitive rates in Phoenix, AZ?
Specific insurance companies known for offering competitive rates in Phoenix, AZ can vary based on individual circumstances. It’s advisable to consider well-established insurance providers that operate in the area and have a good reputation for customer service and competitive pricing.
Examples of such companies may include Allstate, Farmers Insurance, Geico, Progressive, and State Farm.
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.
How else can I lower my car insurance rate in Phoenix, AZ?
In addition to inquiring about available discounts, other common strategies include maintaining a clean driving record, bundling insurance policies with the same provider, and increasing deductibles.
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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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
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.