120+ more*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 2, 2026. 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 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
){kind=small}
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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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.
Updated
State-minimum coverage averages $132 per month in Phoenix.
Phoenix’s car insurance rates are higher than the Arizona average.
Maricopa County had one of the highest auto theft rates in the U.S. in the first half of 2025.
Phoenix auto insurance costs an average of $132 per month for liability-only coverage. Full coverage in Phoenix averages $219 per month. Phoenix has higher average rates than the Arizona average.
Phoenix is Arizona’s most populous city, with more than 1.6 million residents.[1] The city draws a host of daily commuters and has high accident rates along the Interstate 17 and I-10 corridors.[2] Vehicle thefts are also high in Phoenix, which increases car insurance premiums.[3]
The following table shows the average liability car insurance rates in Phoenix, according to Insurify data.
Car Insurance Costs in Phoenix vs. Arizona | Average Monthly Quote |
|---|---|
| Phoenix average | $176 |
| Arizona average | $127 |
Auto-Owners offers the cheapest auto insurance rates in Phoenix, averaging $67 per month. Auto-Owners has the best full-coverage rates, at an average of $116 per month.
Liability rates start as low as $67 per month
Phoenix is a rapidly growing city, and the population has increased by 5% since 2020. That brings lots of driving challenges, too. Suburban commuters driving into the city can cause congestion at the city’s intersecting Interstates.
Phoenix has one of the highest auto theft rates in the country. In January 2026, the Phoenix Police Department recorded 38 vehicle thefts per 100,000 people, compared to just 16 per 100,000 nationwide. Two of the three most popular cars in Phoenix — the Toyota Camry and the Honda Civic — ranked in the top 10 car models stolen nationwide in 2025.
It’s especially important to consider buying comprehensive coverage in Phoenix, because it covers theft. Full coverage typically costs more, but it’ll help pay to replace your car if someone steals it.
Phoenix and the village of Laveen are tied for the most expensive cities in Arizona for car insurance. The average cost of coverage is much higher than in nearby suburbs like Tempe and Scottsdale. Rates are typically much lower in Tucson, the next-largest metro area.
The risk of auto theft drops significantly once you get outside Phoenix. That’s likely one factor driving insurance costs down in those areas. Scottsdale, for example, had nearly 10 times fewer vehicle theft reports in January 2026 than Phoenix.
The following table shows the average car insurance rates in Phoenix compared to other Arizona cities, according to Insurify data.
City | Average Monthly Quote |
|---|---|
| Casa Grande | $122 |
| Chandler | $132 |
| Flagstaff | $103 |
| Glendale | $169 |
| Mesa | $134 |
| Phoenix | $176 |
| Scottsdale | $133 |
| Tempe | $147 |
| Tucson | $124 |
| Yuma | $103 |
Phoenix is Arizona’s largest city, so traffic can get pretty hectic. Several interstates and major highways loop through and around the city, bringing in scores of out-of-towners every day.
Of the city’s serious accidents, 11% of them occur on only 1% of the city’s roads, according to the City of Phoenix. Many of them are offshoots of the interstates.[4] Indian School Road is one area that the city has been working to improve. In 2023, the city received one of the largest road safety grants in the U.S. to help make the route safer.
Insurance companies often consider the roads you commonly drive on when setting your car insurance rates. If you live in or frequently travel through high-traffic areas, you’ll likely pay more for auto insurance. And in Phoenix, it’s hard to avoid these higher-risk areas.
Arizona law requires all drivers to have minimum liability insurance limits of 25/50/15. You need $25,000 per person and $50,000 per accident of personal liability coverage, plus $15,000 of property damage liability.[5]
Phoenix drivers pay an average of $132 per month for liability coverage. But you may want to consider a full-coverage policy, given the city’s high vehicle theft rate.
If you want only minimum coverage, the following table shows the cheapest rates for liability-only car insurance in Phoenix, according to Insurify data.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $67 |
| Just Pay-Per-Mile | $68 |
| Mile Auto | $82 |
| State Farm | $84 |
| Sun Coast | $88 |
| Progressive | $89 |
| USAA | $94 |
| Aspire General | $95 |
| Novo Flex | $95 |
| Novo Next | $98 |
| Certainly | $99 |
| Mercury | $103 |
| The General | $103 |
| Novo | $106 |
| Allstate | $113 |
| GEICO | $115 |
| Just Unlimited | $115 |
| Hiroad | $116 |
| Safeco | $116 |
| Direct Auto | $120 |
| Bristol West | $122 |
| Dairyland | $129 |
| National General | $130 |
| Clearcover | $133 |
| AssuranceAmerica | $135 |
| Commonwealth Casualty | $135 |
| Trexis | $135 |
| GAINSCO | $137 |
| Travelers | $145 |
| Covercube | $152 |
| Mendota | $156 |
| Insurify Car | $161 |
| First Acceptance | $162 |
| Country Financial | $163 |
| American Family | $165 |
| The Hartford | $169 |
| Farmers | $170 |
| Root | $193 |
| Liberty Mutual | $194 |
| Hugo | $196 |
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Drivers in Phoenix pay an average of $219 per month for full-coverage car insurance. Full coverage typically includes liability, comprehensive, and collision coverage. Comprehensive insurance covers vehicle theft, which is especially important given Phoenix’s high theft rate.
Many Phoenix drivers have car leases or loans. Lenders typically require you to buy full coverage to help protect their investment.
The following table shows the cheapest rates for full-coverage car insurance in Phoenix, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $116 |
| Novo Next | $131 |
| Just Pay-Per-Mile | $137 |
| Novo Flex | $140 |
| State Farm | $144 |
| Progressive | $149 |
| Mile Auto | $155 |
| Sun Coast | $159 |
| USAA | $161 |
| Safeco | $175 |
| Novo | $176 |
| Mercury | $187 |
| Allstate | $194 |
| GEICO | $194 |
| Aspire General | $196 |
| Hiroad | $221 |
| Direct Auto | $233 |
| Bristol West | $235 |
| Just Unlimited | $242 |
| Clearcover | $243 |
| Travelers | $249 |
| AssuranceAmerica | $257 |
| Liberty Mutual | $260 |
| National General | $261 |
| The General | $268 |
| Certainly | $272 |
| Country Financial | $281 |
| American Family | $282 |
| The Hartford | $289 |
| Trexis | $291 |
| Farmers | $292 |
| Commonwealth Casualty | $296 |
| Root | $300 |
| Dairyland | $316 |
| GAINSCO | $317 |
| Covercube | $332 |
*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on October 2, 2026. 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 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify data shows that 4% of Phoenix drivers have a speeding ticket on their record. The penalty for speeding in Maricopa County depends on how fast you were going. Fines range from $215 to $291.[6]
Phoenix drivers with a recent ticket pay an average of $228 per month for car insurance. Speeding increases your risk of an accident, so insurers typically increase your rates after a ticket.
The following table shows the cheapest rates for drivers with a speeding ticket in Phoenix, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $88 |
| Just Pay-Per-Mile | $88 |
| Mile Auto | $101 |
| State Farm | $108 |
| Sun Coast | $114 |
| Progressive | $115 |
| USAA | $123 |
| Aspire General | $123 |
| Novo Flex | $123 |
| Novo Next | $127 |
| Certainly | $128 |
| Novo | $137 |
| The General | $140 |
| Mercury | $144 |
| Allstate | $146 |
| Just Unlimited | $149 |
| Hiroad | $150 |
| GEICO | $153 |
| Direct Auto | $154 |
| Safeco | $155 |
| Bristol West | $157 |
| Dairyland | $162 |
| National General | $165 |
| Commonwealth Casualty | $165 |
| GAINSCO | $167 |
| Clearcover | $172 |
| AssuranceAmerica | $175 |
| Trexis | $175 |
| Travelers | $190 |
| Covercube | $197 |
| Mendota | $202 |
| Insurify Car | $209 |
| First Acceptance | $210 |
| American Family | $216 |
| Farmers | $221 |
| Country Financial | $221 |
| Root | $234 |
| The Hartford | $235 |
| Liberty Mutual | $251 |
| Hugo | $254 |
Arizona is an at-fault state, meaning the driver who causes an accident must pay for damages and injuries. In Phoenix, 4% of drivers have an at-fault accident on their driving record, Insurify data shows. If you cause an accident and don’t stay at the scene, the state could revoke your license for up to 10 years.[7]
Accidents increase your premium because you’re more likely to file future claims. Drivers in Phoenix with a recent accident pay an average of $241 per month for car insurance.
The following table shows the cheapest rates for drivers with an at-fault accident in Phoenix, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $91 |
| Just Pay-Per-Mile | $93 |
| Mile Auto | $113 |
| State Farm | $114 |
| Sun Coast | $121 |
| Progressive | $122 |
| USAA | $129 |
| Aspire General | $130 |
| Novo Flex | $130 |
| Novo Next | $134 |
| Certainly | $136 |
| The General | $144 |
| Novo | $145 |
| Allstate | $155 |
| GEICO | $156 |
| Mercury | $156 |
| Just Unlimited | $158 |
| Hiroad | $159 |
| Safeco | $164 |
| Bristol West | $165 |
| Direct Auto | $167 |
| Dairyland | $173 |
| National General | $176 |
| GAINSCO | $179 |
| Commonwealth Casualty | $182 |
| AssuranceAmerica | $183 |
| Trexis | $185 |
| Clearcover | $192 |
| Travelers | $200 |
| Covercube | $208 |
| Mendota | $214 |
| Insurify Car | $221 |
| First Acceptance | $222 |
| American Family | $227 |
| Country Financial | $228 |
| Farmers | $233 |
| The Hartford | $242 |
| Root | $247 |
| Liberty Mutual | $263 |
| Hugo | $269 |
Fewer than 1% of Phoenix drivers have a driving under the influence (DUI) conviction, according to Insurify data. If convicted of a DUI in Phoenix, the state can suspend your license for 90 days. You’ll also need to file an SR-22 certificate to reinstate your license.
Finding affordable auto insurance after a DUI can be difficult. Phoenix drivers pay an average of $248 per month for car insurance.
But you’re not necessarily stuck with higher premiums. The following table shows the cheapest rates for drivers with a DUI in Phoenix.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $91 |
| Just Pay-Per-Mile | $96 |
| Mile Auto | $116 |
| State Farm | $119 |
| Sun Coast | $124 |
| Progressive | $126 |
| USAA | $133 |
| Aspire General | $134 |
| Novo Flex | $134 |
| Novo Next | $138 |
| Certainly | $140 |
| The General | $142 |
| Novo | $150 |
| Mercury | $155 |
| Allstate | $159 |
| Just Unlimited | $162 |
| Hiroad | $164 |
| GEICO | $165 |
| Direct Auto | $170 |
| Bristol West | $173 |
| Safeco | $182 |
| Dairyland | $183 |
| Clearcover | $183 |
| National General | $184 |
| Trexis | $190 |
| Commonwealth Casualty | $191 |
| AssuranceAmerica | $192 |
| GAINSCO | $194 |
| Travelers | $206 |
| Covercube | $214 |
| Mendota | $220 |
| American Family | $225 |
| Country Financial | $226 |
| Insurify Car | $227 |
| First Acceptance | $229 |
| Farmers | $241 |
| The Hartford | $250 |
| Root | $274 |
| Liberty Mutual | $275 |
| Hugo | $277 |
Phoenix is a relatively young city. In the late 2010s, Teens were the most likely age group to cause a crash in Phoenix. In recent years, drivers aged 20–29 caused more crashes, but teen accident rates remain high. Younger drivers generally pay higher auto insurance rates due to their higher accident risk.
Phoenix teens pay an average of $369 per month for car insurance.
The following table shows the cheapest rates for teenage drivers in Phoenix, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Just Pay-Per-Mile | $142 |
| Auto-Owners | $143 |
| State Farm | $173 |
| Mile Auto | $178 |
| USAA | $184 |
| Sun Coast | $184 |
| Progressive | $186 |
| Aspire General | $199 |
| Novo Flex | $199 |
| The General | $199 |
| Mercury | $200 |
| Novo Next | $205 |
| Certainly | $207 |
| Novo | $222 |
| GEICO | $223 |
| Bristol West | $231 |
| Clearcover | $234 |
| Allstate | $237 |
| Dairyland | $239 |
| Just Unlimited | $241 |
| Hiroad | $243 |
| Direct Auto | $249 |
| Safeco | $252 |
| GAINSCO | $257 |
| Commonwealth Casualty | $273 |
| National General | $273 |
| Country Financial | $277 |
| Trexis | $283 |
| AssuranceAmerica | $296 |
| Root | $316 |
| Travelers | $318 |
| Covercube | $318 |
| Mendota | $327 |
| American Family | $331 |
| Insurify Car | $337 |
| First Acceptance | $339 |
| Farmers | $360 |
| Liberty Mutual | $364 |
| The Hartford | $397 |
| Hugo | $410 |
Check rates from Phoenix’s top insurance companies
The sunny Southwest is a well-known magnet for retirees. But most tend to flock to retirement communities in Phoenix’s suburbs, like Scottsdale, rather than in the city itself. Phoenix seniors pay an average of $146 per month for car insurance.
The following table shows the cheapest rates for senior drivers in Phoenix, according to Insurify data.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $52 |
| Just Pay-Per-Mile | $56 |
| Mile Auto | $63 |
| State Farm | $64 |
| Sun Coast | $73 |
| Progressive | $74 |
| USAA | $74 |
| Aspire General | $79 |
| Novo Flex | $79 |
| Mercury | $79 |
| Novo Next | $81 |
| Certainly | $82 |
| The General | $86 |
| Novo | $88 |
| GEICO | $89 |
| Allstate | $94 |
| Just Unlimited | $95 |
| Direct Auto | $96 |
| Hiroad | $96 |
| Safeco | $99 |
| Bristol West | $99 |
| National General | $100 |
| AssuranceAmerica | $103 |
| Commonwealth Casualty | $107 |
| Dairyland | $107 |
| Trexis | $112 |
| Travelers | $113 |
| Clearcover | $115 |
| GAINSCO | $115 |
| The Hartford | $119 |
| Covercube | $126 |
| Country Financial | $126 |
| American Family | $129 |
| Mendota | $129 |
| Farmers | $132 |
| Insurify Car | $133 |
| First Acceptance | $134 |
| Liberty Mutual | $157 |
| Hugo | $162 |
| Root | $174 |
Here are some quick answers to common auto insurance questions in Phoenix.
Auto-Owners is the cheapest car insurance company in Phoenix. But many factors affect your car insurance costs, including your age, ZIP code, and driving record.
Car insurance in Phoenix costs an average of $176 per month, according to Insurify data. Liability-only coverage averages $132 per month, and full coverage averages $219 per month.
Yes. Arizona requires drivers to purchase car insurance with at least $25,000 per person and $50,000 per accident of bodily injury liability coverage. You also need $15,000 of property damage liability coverage.
Some of the most popular cars in Phoenix are also common targets of theft, such as the Toyota Camry and Honda Civic. You’ll pay more for car insurance if you live in an area with a high vehicle theft rate. It’s also hard to get away from major highways in Phoenix, which puts you at a higher risk of getting into an accident.
Getting quotes from multiple insurance companies is one of the best ways to lower premiums in Phoenix. Many insurers offer a variety of ways to save, including discounts for safe driving and installing a car alarm. You can also lower your monthly premium by increasing your deductible. Just make sure you can afford the extra out-of-pocket costs if you need to file a claim.
Insurify data scientists analyzed more than 250 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:
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Lindsay is a freelance personal finance writer currently pursuing her Series 65 license. She enjoys helping readers learn money management skills that improve their lives.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
