Cheapest Auto Insurance in Phoenix, Arizona (2025)

Phoenix drivers can find the cheapest coverage from Mile Auto, with minimum-coverage policies as low as $80 per month.

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Cheapest recent rates near Phoenix, Arizona

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $71/mo for full coverage in Phoenix and other Arizona cities.

*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Car insurance in Phoenix, Arizona’s largest city, averages $194 per month for full coverage and $123 for liability-only insurance. But Phoenix drivers with good motor vehicle records may be able to find cheaper rates with companies like Mile Auto and Auto-Owners.

Finding the cheapest car insurance options in Phoenix for you will depend on your personal situation and your preferences for insurance coverage. Here’s what you should know about comparing quotes and finding the right policy to fit your needs in Phoenix.

Quick Facts
  • The overall average car insurance rate in Phoenix is $158, which is higher than in several other large cities in Arizona, as well as the state overall average of $125.

  • Phoenix’s population density is likely a factor in car insurance rates — it’s the most populous city in Arizona, with more than 1.6 million residents.

  • Teen drivers pay the most for car insurance in Phoenix, at an average monthly rate of $264 for liability coverage.

3 of the cheapest car insurance companies in Phoenix

Finding the cheapest car insurance in Phoenix isn’t a one-size-fits-all solution. It’s important to consider your individual driver profile and coverage needs, as well as your budget. 

Here, you’ll find an overview of some of the cheapest insurance options in the area based on different circumstances and needs, including liability-only coverage, and rating factors that include your driving record, credit standing, claims history, and age.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Best For
sort ascsort desc
Hugo6.3$55$48On-demand coverage
Auto-Owners8.2$107$78Liability-only coverage
State Farm9.3$132$96Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for on-demand coverage: Hugo

User Reviews
4.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$156/mo
4.5
Best choiceBased on 157 verified guest reviews and ratings
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (58)
Adrian
Verified Review
Hugo saves the day
Reviewed in Texas on September 2025
They were fast and convenient. Excellent company.
Andrea
Verified Review
Excellent
Reviewed in Georgia on April 2025
Hugo is awesome.
Donna
Verified Review
No Thanks
Reviewed in Georgia on April 2025
In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company

Hugo is an insuretech start-up that offers on-demand car insurance in 13 states, including Arizona. The company uses artificial intelligence to quickly underwrite polices and process claims. Policyholders can stop or start coverage at any time, so you only pay for the days of coverage you need. Hugo sells policies for as short as three days of coverage. And there are no up-front fees or down payments.

Pros
  • Flexible, short-term coverage options available

  • Perfect for people who work from home or drive infrequently

Cons
  • Coverage available in only 13 states

  • Policy bundling not available

Best insurer for liability-only coverage: Auto-Owners

User Reviews
4.3
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$99/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$135/mo
4.3
Best choiceBased on 233 verified guest reviews and ratings
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (135)
David
Verified Review
Getting Expensive
Reviewed in Michigan on October 2025
I've been with them for 15 years and received $3,200 back when a tree fell on my roof. It seems I'm in the hole for $19,776.00 over these years.
Ronald
Verified Review
I Hate Insurance Companies
Reviewed in Pennsylvania on October 2025
The good is my broker was fantastic; she got me a good policy for a decent price in the beginning. The bad is, in the 3 years I’ve had my policy, it went up about 4-5 times, and the last two times it went up, it was like a day or two apart, which is very unacceptable. I just don’t understand when you are loyal to a company, pay your bills on time, and haven’t had a claim on your vehicle(s) or house, they just increase your payment without notice or care about how much income you have. I have no problem paying my bills on time, but honestly, I’d like to be able to feed my family, and it’s really hard to do that when a majority of your income goes to bills.
Michael
Verified Review
Best Kept Secret!
Reviewed in South Carolina on September 2025
Fast claim response. Very courteous and professional. For what I need, no other company comes close in price for the last 10+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners superior financial strength and credit ratings, and the company receives significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Complaint Index. J.D. Power also ranks the insurer highly for claims satisfaction. Auto-Owners offers several discounts, including for having multiple policies, choosing paperless billing, and paying in full.

Pros
  • Excellent customer service

  • Variety of insurance products to bundle with

Cons
  • Not available in every state

Best insurer for young drivers: State Farm

User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$121/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$167/mo
4.1
Best choiceBased on 11,820 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,240)
Taylor
Verified Review
Great Insurance Company but Too Expensive
Reviewed in Michigan on October 2025
Overall, they are a great insurance company, but I think they charge way too much compared to others.
Sherry
Verified Review
State Farm
Reviewed in Kansas on October 2025
Be very careful and read everything.
Kurt
Verified Review
Better Insurance Company
Reviewed in California on October 2025
Rates are too high. Agents don't handle claims directly.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm has affordable coverage options for teen Arizona drivers. While teens pay higher car insurance rates, State Farm provides more affordable options than other insurers. State Farm also offers a Steer Clear driving program for drivers younger than 25, which can help save as much as 15% upon program completion. Students with good grades may also qualify for a discount.

Pros
  • Good driver discount

  • Multiple savings options

Cons
  • Gap coverage and accident forgiveness not available

  • Steer Clear Driving Program has an age limit

How to get the cheapest car insurance in Phoenix

Finding the cheapest car insurance in Phoenix depends on several factors, including your driving history, age, credit-based insurance score, ZIP code, and coverage needs. While many of these factors are outside of your control, you can do some things to help lower your car insurance costs, including:

  • Maintain a clean driving record. Practice safe driving and try to avoid moving violations and speeding tickets so you can qualify for better car insurance rates.

  • Improve your credit score. Car insurance companies in Arizona may look at your credit history to create a credit-based insurance score that helps them determine the likelihood that you’ll file an insurance claim. Having a higher credit score makes you more appealing to insurers, and you could be rewarded with lower rates. It’s also important to note that insurers in Arizona can’t use medical collections or an outdated bankruptcy or lien (older than seven years) when determining your insurance score.

  • Ask about discounts. Insurers offer various discounts to help you save on premiums. Some of those discounts include bundling car insurance with renters or homeowners insurance, driving a vehicle with certain safety features, remaining accident-free, and completing a driver safety course. Some insurers may not offer certain discounts in every state, so be specific when asking what discounts you may be eligible for.

  • Shop around. Be sure to shop around and gather quotes from at least three different insurers to make sure you’re getting the best rate. Each insurer has its own guidelines for calculating rates, and shopping around allows you to compare all the best options side by side.

Find Cheap Car Insurance in Phoenix, Arizona

Liability rates start at $80 per month

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest liability-only car insurance in Phoenix: Mile Auto

Liability-only car insurance covers damage to the other driver’s vehicle and their medical expenses after an accident. Liability insurance won’t cover any of your damages, so it’s often the cheaper coverage option.

You may consider liability coverage if you’re looking for the most basic coverage or you drive a car that’s already paid off. If you can afford to pay out of pocket for damage sustained by your vehicle, liability insurance may make sense.

The average cost of liability-only policies in Phoenix is $123. Here are some of the cheapest liability-only car insurance rates in Phoenix.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$80
Auto-Owners$99
National General$107
Progressive$109
Sun Coast$110
Dairyland$118
State Farm$121
Mercury$123
The General$130
Bristol West$134
USAA$135
Safeco$138
Direct Auto$142
Root$144
GEICO$153
GAINSCO$166
Clearcover$169
AssuranceAmerica$172
Commonwealth Casualty$190
Allstate$202
Travelers$210
Liberty Mutual$231
COUNTRY Financial$236
American Family$238
The Hartford$244
Farmers$246
Nationwide$274
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Phoenix: Mile Auto

Full-coverage insurance includes liability coverage, but it also covers damage to your vehicle and any medical expenses resulting from an accident. Full coverage typically costs more than liability due to this added protection.

If you have a car loan or lease, your lender will require you to carry full coverage until your loan is paid off. Even if you don’t have a car loan, full coverage may be a good idea since repairs can be expensive if your car gets damaged. With adequate insurance coverage, you’ll only need to pay your collision and comprehensive deductible, then insurance will pay (up to your coverage limit) to cover the damages.

On average, Phoenix drivers pay $194 per month for full coverage. Mile Auto offers the cheapest full-coverage car insurance in Phoenix. Here are some other insurers that offer competitive rates in Phoenix.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
Mile Auto$133
Auto-Owners$135
State Farm$167
USAA$186
Sun Coast$188
Safeco$192
GEICO$204
Mercury$211
Root$216
Progressive$219
Clearcover$243
National General$250
Bristol West$260
The General$268
Allstate$277
Liberty Mutual$283
Travelers$287
Direct Auto$288
COUNTRY Financial$324
American Family$326
AssuranceAmerica$335
The Hartford$335
Farmers$337
Dairyland$341
Nationwide$377
GAINSCO$379
Commonwealth Casualty$466
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Phoenix, Arizona

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $71/mo for full coverage in Phoenix and other Arizona cities.

*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 7, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Arizona

Most states, including Arizona, require you to have liability or minimum car insurance coverage. Arizona is also an at-fault state, meaning the insurance company of the driver who causes the accident must pay for any associated damages. Finally, you’re also required to carry bodily injury and property damage insurance coverage.

Below are the minimum coverage requirements in Arizona.

Coverage
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Minimum Requirements
sort ascsort desc
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

Depending on your needs and situation, you may want to consider getting optional insurance coverage as well, including:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage can pay for damage to your car or injuries to you or your passengers if you get into an accident with someone who drives without car insurance or who has too little car insurance to cover your damages. 

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage can pay for damage to your car from something other than an accident. For example, comprehensive can pay for theft, vandalism, fire, or storm damage to your car.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    While liability coverage can pay for damage to another vehicle from an accident you cause, collision can cover the cost to repair or replace your vehicle – no matter who’s at fault for the accident. Collision can also cover damages from your vehicle hitting an object such as a tree, fence, or light pole, and from rollover accidents.

  • illustration card https://a.storyblok.com/f/162273/x/c8ad9d5019/driving-accidents.svg

    Accident forgiveness

    An add-on to your policy, accident forgiveness can help keep your rates down after an at-fault accident. You typically need to have a good driving history and no recent at-fault accidents to be eligible for this coverage.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    You can typically buy this optional plan through an insurer or other company. Roadside assistance coverage pays to send you professional help for mechanical issues like dead batteries or flat tires.

“The lowest-priced policy may not offer the best coverage,” says Anthony Verreos, strategic insurance advisor at Real Estate Bees. “Uninsured and underinsured motorists liability coverage is sometimes very expensive, but this is what a driver would need in order to collect if they became the victim of someone else who had no coverage or not enough to pay your medical damages for years.”

Cheapest car insurance for drivers with an incident

Your driving record directly affects your car insurance rates. When infractions like speeding tickets, DUIs, and at-fault accidents are on your record, this can increase your car insurance rates for three to five years because the insurance company now sees you as a high-risk driver.

In Phoenix, rates increase by about 30% for insurance companies like Hugo, State Farm, and Auto-Owners when you have an at-fault accident on your record. The overall average cost of car insurance for drivers with traffic violations is $186 per month in Phoenix.

Find Car Insurance in Phoenix

Monthly full-coverage rates start at $133

Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Cheapest car insurance for drivers with a speeding ticket: Mile Auto

If you’re assessed a speeding citation, this can also appear on your driving record and cause your car insurance rates to increase. Phoenix drivers with a speeding ticket have an overall average monthly cost of $196 compared to $158 for drivers with a clean record.

Here are some average monthly quotes for insurers in Phoenix when you have a speeding ticket on your record.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
Mile Auto$80$96
Auto-Owners$99$126
National General$107$133
Progressive$109$135
Sun Coast$110$137
Dairyland$118$146
State Farm$121$150
Mercury$123$171
The General$130$171
Bristol West$134$167
USAA$135$170
Safeco$138$179
Direct Auto$142$177
Root$144$189
GEICO$153$197
GAINSCO$166$198
Clearcover$169$220
AssuranceAmerica$172$202
Commonwealth Casualty$190$224
Allstate$202$255
Travelers$210$266
Liberty Mutual$231$289
COUNTRY Financial$236$311
American Family$238$302
The Hartford$244$332
Farmers$246$309
Nationwide$274$347
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

Insurance comes in handy when a car accident occurs, but getting into an accident can also increase your insurance rates going forward. A car accident typically stays on your record for three to five years. But if youve previously had a good driving record, purchasing accident forgiveness ahead of time could help hold your rates down after an accident.

Phoenix drivers with an at-fault accident on their record pay an average of $253 per month for full coverage and $161 for liability-only car insurance. Here are some average monthly quotes for insurers in Phoenix when you have an at-fault accident on your driving record.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
Mile Auto$80$105
Auto-Owners$99$127
National General$107$140
Progressive$109$142
Sun Coast$110$144
Dairyland$118$154
State Farm$121$156
Mercury$123$179
The General$130$177
Bristol West$134$174
USAA$135$176
Safeco$138$191
Direct Auto$142$191
Root$144$185
GEICO$153$192
GAINSCO$166$211
Clearcover$169$245
AssuranceAmerica$172$208
Commonwealth Casualty$190$249
Allstate$202$262
Travelers$210$275
Liberty Mutual$231$302
COUNTRY Financial$236$311
American Family$238$310
The Hartford$244$324
Farmers$246$320
Nationwide$274$359
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Driving under the influence of alcohol is a serious offense that’ll often result in your car insurance rates increasing significantly, as this raises a red flag to insurance companies. A DUI can stay on your driving record indefinitely in Arizona.

In Phoenix, rates almost double when you have a DUI on your record. The average cost of full coverage and liability-only policies per month in Phoenix after a DUI climb to $268 and $170, respectively. Here are some of the cheapest car insurance rates for drivers with a DUI in Phoenix.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
Mile Auto$80$113
Auto-Owners$99$140
National General$107$152
Progressive$109$151
Sun Coast$110$152
Dairyland$118$167
State Farm$121$172
Mercury$123$182
The General$130$184
Bristol West$134$190
USAA$135$191
Safeco$138$211
Direct Auto$142$201
Root$144$200
GEICO$153$210
GAINSCO$166$235
Clearcover$169$240
AssuranceAmerica$172$244
Commonwealth Casualty$190$269
Allstate$202$286
Travelers$210$298
Liberty Mutual$231$328
COUNTRY Financial$236$335
American Family$238$337
The Hartford$244$351
Farmers$246$349
Nationwide$274$389
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: How Long Does a DUI Stay On Your Record?

Learn More: How Long Does a DUI Stay On Your Record?

Cheapest car insurance for seniors: Mile Auto

While car insurance rates tend to go down once you turn 25, they may rise again as you enter your 70s. Insurance companies see older drivers and teens as riskier to insure since they tend to get in more accidents.[1] But this isn’t always the case for seniors, especially if you keep a clean driving record. Overall, older drivers have the lowest car insurance rates of any age group, even considering the rise in rates after age 70.

Some insurers may also offer discounts to senior drivers as well.[2] They may also offer discounts for driving fewer miles during the year.

On average, senior drivers in Phoenix pay $163 per month for full coverage and $104 for liability only. Here are insurers with the cheapest insurance quotes for Phoenix seniors.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Mile Auto$104$63
Auto-Owners$107$79
State Farm$131$95
USAA$150$109
Sun Coast$158$93
GEICO$161$121
Safeco$167$120
Mercury$171$99
Root$180$120
Progressive$184$92
National General$194$83
Clearcover$212$147
Bristol West$213$110
The General$220$107
Allstate$225$164
Travelers$227$166
Direct Auto$230$113
Liberty Mutual$235$191
The Hartford$239$174
AssuranceAmerica$257$132
American Family$259$189
COUNTRY Financial$264$192
Farmers$265$194
Dairyland$277$96
Nationwide$286$208
GAINSCO$317$139
Commonwealth Casualty$372$152
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Mile Auto

Young drivers have less experience on the road and are a riskier age group for companies to insure. While teen drivers pay higher car insurance rates, they may also be able to save by utilizing discounts for good grades or completing a driver safety program. Discount opportunities vary by insurer, so it’s always best to shop around.

Young drivers may also be able to get a better rate by remaining on their parents’ insurance policy. In Phoenix, full coverage for a teen driver costs an average of $417 per month and $264 for liability only.

Here are some of the cheapest car insurance rates for teen drivers in Phoenix.

The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Auto-Owners$283$207
Mile Auto$295$177
State Farm$348$252
USAA$373$271
GEICO$401$301
Sun Coast$404$236
Root$411$274
Safeco$414$297
Mercury$430$251
Clearcover$452$314
Progressive$471$234
Bristol West$508$262
The General$509$247
Liberty Mutual$546$446
National General$549$235
COUNTRY Financial$562$409
Allstate$591$431
Direct Auto$612$302
Dairyland$622$215
Travelers$630$461
American Family$665$486
Farmers$711$519
AssuranceAmerica$729$374
GAINSCO$774$339
Nationwide$795$578
The Hartford$813$592
Commonwealth Casualty$933$380
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Phoenix car insurance quotes by credit tier

Arizona allows insurers to factor in your credit history when calculating insurance rates. Insurers will generate an insurance score that predicts the likelihood that you’ll file an insurance claim in the future.

Typically, the higher your credit score, the lower the rate you could qualify for. An excellent credit score range is anything above 720. But if you have a poor credit score, this doesn’t always mean you’ll receive a higher premium since insurers consider other factors when calculating premiums.

Here are some average monthly quotes for full-coverage car insurance in Phoenix based on your credit score tier.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Phoenix?

Car insurance rates in Phoenix vary from other cities in Arizona. While the overall average cost of insurance in Phoenix is $158, this is higher than the state average of $125.

Drivers in larger, high-traffic cities may pay higher car insurance rates, especially if the rate of accidents is increased. Another factor that could affect rates is the cost of vehicle repairs in a particular area.

More cities in Arizona

Here’s how average monthly car insurance quotes differ in other Arizona cities.

City
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Chandler$155$97
Glendale$193$120
Mesa$162$104
Scottsdale$152$99
Tempe$174$105
Tucson$143$91
Yuma$126$77
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Phoenix car insurance FAQs

Looking for more information on car insurance options in Phoenix? You’ll find answers to some of the most commonly asked questions here.

  • How much is car insurance in Phoenix?

    The average monthly cost of car insurance in Phoenix is $194 for full coverage and $123 for a liability-only policy, according to Insurify data.

  • Which company has the cheapest car insurance in Phoenix?

    Mile Auto has the cheapest car insurance rates in Phoenix, with monthly liability rates as low as $80. Auto-Owners and National General also offer affordable coverage, with respective monthly liability rates of $99 and $107.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Phoenix?

    State Farm, GEICO, and Auto-Owners are some of the top insurers in Phoenix. They have IQ Scores of 9.3, 9.2, and 8.2 out of 5, respectively. State Farm also boasts the industry’s top J.D. Power customer service ratings, and GEICO’s app is generally well received.[3] Hugo draws a lot of attention for its low rates, but its IQ Score is lower, at 6.3

  • Why is car insurance so expensive in Phoenix?

    Car insurance is higher in Phoenix than most other metro areas in Arizona. This can be due to several factors, including the increased potential for accidents and vehicle theft. It may also be due to higher costs associated with repairing a car in the area.

  • Is it illegal to drive in Arizona without insurance?

    Yes. You must have car insurance to drive a vehicle in Arizona. If you’re a young driver, you may also find coverage under your parents’ auto policy, but coverage is still required.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  2. Insurance Information Institute. "Senior driving safety and insurance tips."
  3. J.D. Power. "Auto Insurance Rate Hikes Erode Price Satisfaction, Drive Surge in Value Shopping, J.D. Power Finds."
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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