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: Jan 20, 2021

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Here's what you need to know...

  • Car insurance is an absolute if you plan to drive in Phoenix
  • Liability insurance is the minimum requirement in Phoenix
  • Insurance companies provide several options in addition to liability

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.

  1. Phoenix does not have adequate public transportation
  2. 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.

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 cause 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 rates 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.

Monthly Phoenix, AZ Car Insurance Rates by ZIP Code

Find more info about the monthly Phoenix, AZ car insurance rates by ZIP Code below:

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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.

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The Cheapest Phoenix, AZ Car Insurance Rates by Credit Score

Your credit score will play a major role in your Phoenix, AZ auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Phoenix, Arizona auto insurance rates by credit score below.

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Phoenix, AZ Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect 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 Cheapest Phoenix, AZ Car Insurance Rates by Coverage Level

Your coverage level will play a significant role in your Phoenix, AZ auto insurance rates. Find the cheapest Phoenix, Arizona auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Phoenix, AZ

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Phoenix. Arizona does use gender, so check out the average monthly auto insurance rates by age and gender in Phoenix, AZ.

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Phoenix, AZ Car Insurance Rates by Company and Age

Phoenix, AZ auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Phoenix, AZ Car Insurance Rates by Driving Record

Your driving record will affect your Phoenix auto insurance rates. For example, a Phoenix, Arizona DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Phoenix, Arizona auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Phoenix, AZ

Factors affecting auto insurance rates in Phoenix, AZ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Phoenix, Arizona auto insurance.

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Free Car Insurance Comparison

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

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What is the minimum car insurance coverage in Arizona?

Drivers in Phoenix must purchase liability insurance, and companies must offer this type of insurance in every policy.

In Phoenix, drivers must have proof of insurance of the following amounts:

  • Bodily injury liability of $15,000 for one person’s injury claim
  • Bodily injury liability of $30,000 for injuries to everyone who files a claim
  • Property damage liability of $10,000 for property damage caused by a negligent driver

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.

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 the 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 policies, 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 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

Free Car Insurance Comparison

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

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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.