Cheap Auto Insurance Quotes in Phoenix, AZ (2021)

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Projected to grow by nearly 60 percent in the next decade or so, the Greater Phoenix Area is a booming capital city with not only some incredible years ahead of it, but a massive amount of drivers on its roads.

It’s not the largest metropolitan area in the U.S. by far, but the Greater Phoenix Area (including the surrounding cities of Chandler, Glendale, Scottsdale, and Tempe) covers 2,000 square miles and pushes a sizable amount of traffic through its streets and highways day and night. Sharing the road safely with over 4.5 million people takes not only finesse but making sure you have some really good car insurance on your side.

Car Insurance in Phoenix, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Phoenix, AZ to find you the cheapest quotes in the area.

$149
$151
$218
$229
$233
AllstateTravelersLiberty MutualAmerican FamilyThe General

Cheapest Car Insurance in Phoenix

Here are the cheapest carriers in Phoenix for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Phoenix, AZ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Phoenix. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

$159
$148
$163
$142
$146
$196
ArizonaTucsonMesaChandlerGilbertPhoenix

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Phoenix, AZ Driving Facts

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Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Phoenix Car Insurance Rates by Driver Age

Known as Arizona’s Urban Heart, Phoenix has roads full of drivers of every age. While car insurance varies from ZIP code to ZIP code here, it also varies by how old you are. In Phoenix, drivers in their 30s, 50s, and 60s seem to get the most breaks, paying on average $228, $222, and $210 per month in insurance premiums, respectively. Meanwhile, the least and most mature drivers pay the most in insurance premiums. This is because they land in the age categories that include a higher risk of claims. Phoenix drivers in their 20s pay $300 on average for monthly insurance, while those in their 70s pay $241 on average to be on the road.

Driving History
No Violation$249
Speeding Ticket$296
At-Fault Accident$317
Failure to Stop for Red Light / Stop Sign$311

Phoenix Car Insurance Rates by Driving and Accident History

Phoenix drivers can do a lot to keep their rates low, beginning with keeping a clean driving record. Mistakes on the road (like causing an accident, speeding, or running a red light) can not only cause damage and physical harm but can land bad drivers in a higher-risk category, resulting in higher insurance premiums. What’s the price difference between a clean record and one with driving offenses in Phoenix? Phoenix drivers with nothing on their record pay an average of $248 in monthly insurance premiums. Compare that with another driver who has an at-fault accident on their record, and you’ll see that this driver pays an average of $68 more a month.

Phoenix Car Insurance Rates by Credit Tier

Putting your best foot forward in everything you do has certain payoffs. Keeping your credit score healthy is no exception. Because credit scores are used by many auto insurance companies to calculate your insurance risk, it’s important that you care about that too. In Phoenix, a driver with an excellent credit score can expect to pay $240 in insurance premiums monthly.

Phoenix, AZ DMV Information

When you’re working with the Motor Vehicle Division (MVD) of Arizona, you can do business with them online, in person, or through authorized third-party providers where available. If you want to skip a trip to an MVD office—or for easy access to over 40 MVD services online—the state has a robust website compared to some of the harder-to-navigate government sites you usually find.

Public Transportation in Phoenix, AZ

If you’re taking public transit within Phoenix, you are going to travel primarily by bus or using their 20-mile light-rail system. In the rankings, Phoenix falls short in terms of public transit and those in need could consider it a “just-average” transportation city. That said, the majority of Phoenix’s growing population is dependent on their own vehicles for getting to and from work, running errands, and seeing the sights. You can, of course, get around the city by cab, shuttle, and ride service resources, including Uber, Lyft, Arizona-based TotalRide, and student transportation service Zum.

Conclusion: How to get the best and cheapest car insurance in Phoenix, AZ

Phoenix's fast-growing freeway system is one of the nation’s largest. It’s a good thing too, considering the massive population growth the city is expected to experience in the years to come. With a comparably modest public transit system, however, more and more people will be dependent on their own automobiles to get around the metro and outlying areas.

Being tied to your vehicle is one thing, but being tied to an insurance company who may or may not be giving you your best rates is another. Insurify frees drivers from being too dependent on one insurance company when the time to make a change to better, cheaper car insurance is right.

Find local Phoenix agents

American Premier Insurance Agency
16815 S Desert Foothills Pkwy, Phoenix, AZ 85048
Worldwide Insurance Specialists, Inc.
2424 West Missouri Avenue, Phoenix, AZ 85015
Pat Dumar-Smith Insurance Group, Inc.
2320 E Baseline Rd, Phoenix, AZ 85042
Talanton Insurance
1110 E Missouri Ave Ste 400, Phoenix, AZ 85014
Southwest Bonding & Insurance Services, Inc.
7315 N 16Th St Ste 100, Phoenix, AZ 85020
Professional Insurance Brokers, Inc.
515 E Carefree Hwy, Phoenix, AZ 85085
R.P. Ryan Insurance, Inc.
18501 N 40th St Ste 102, Phoenix, AZ 85032
Daniels/Nicolson Insurance Agency
4411 N 19th Ave, Phoenix, AZ 85015-4115
Sarbu & Stan Insurance Services
2415 E Camelback Rd, Phoenix, AZ 85016
Mike Deehan Insurance Agency
3519 E Shea Blvd Ste 120, Phoenix, AZ 85028

Insurify Insights: How Phoenix Drivers Measure Up

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Honda Civic
Most Popular Car in
Phoenix, AZ
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#3
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Phoenix drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Phoenix

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Phoenix drivers rank 12 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #12
  • Percent of drivers in Phoenix with an accident: 10.27%
  • Drivers in Phoenix, AZ with an accident in their driving history paid on average 37.5% more than drivers with a clean record

Speeding Phoenix

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Phoenix drivers rank 12 in the number of speeding infractions per driver.

  • Rank within state: #12
  • Percent of drivers in Phoenix with a speeding ticket: 9.08%
  • Drivers in Phoenix, AZ with a speeding ticket in their driving history paid on average 33.17% more than drivers with a clean record

DUI/DWIs Phoenix

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Phoenix drivers rank 10 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #10
  • Percent of drivers in Phoenix with a DUI: 2.3%
  • Drivers in Phoenix, AZ with a DUI in their driving history paid on average -69.23% more than drivers with a clean record

Most Popular Vehicle Phoenix

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Phoenix is the Honda Civic.

Rude Phoenix

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Phoenix drivers rank 9 in rude driving infractions.

  • Rank within state: #9
  • Percent of drivers in Phoenix with a reckless driving violation: 2.33%
  • Drivers in Phoenix, AZ with a reckless driving violation in their driving history paid on average 38.46% more than drivers with a clean record.

Safest Drivers Phoenix

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Phoenix drivers rank 16 in clean driving records across all cities in Arizona.

  • Rank within state: #16
  • Percent of drivers in Phoenix with clean record: 80.99%

Failure to Yield the Right of Way Phoenix

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Phoenix drivers rank 7 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #7
  • Percent of drivers in Phoenix with a failure to yield violation: 0.6%
  • Drivers in Phoenix, AZ with a failure to yield violation in their driving history paid on average 7600% more than drivers with a clean record

Reckless Drivers Phoenix

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Phoenix drivers rank 12 in the number of reckless driving offenses per driver.

  • Rank within state: #12
  • Percent of drivers in Phoenix with a reckless driving offense: 0.06%

Hybrid/Electric Vehicle Ownership Phoenix

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Phoenix drivers rank 18 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #18
  • Percent of drivers in Phoenix with a hybrid/electric vehicle: 1.24%

FAQs - Phoenix, AZ Car Insurance

How long do I have to report an accident to my insurance company in Phoenix?

If you have an accident, Arizona does not require you to report it to your insurance company. In order to make a claim, however, your insurance company will require that you do so, usually within 30 days. Sometimes, insurance companies are a little less specific and use words like “promptly” or “as soon as possible.” Remember, your insurance rates don’t go up just because you report an accident—they can, however, change once a claim is made. If you aren’t sure whether making a claim is going to be financially beneficial to you in the long run, insurance companies usually have someone on hand to answer your questions and make the decision easier for you.

Are there any scooter or bikeshare options in Phoenix?

Yes. If you are interested in some of the more non-traditional ways of getting around Phoenix, the city currently offers Grid Bike Share (look for the bright green bikes) and dockless scooter rental options from Spin (dockless means that you don’t have to return them to a central place). The scooter is getting so popular around Metro Phoenix that the company is tripling its black-and-orange scooter fleet in Phoenix to 900 scooters from the initial 300 it launched in September 2020.

Do I have to carry uninsured/underinsured motorist coverage by law in Arizona?

Arizona does not require drivers to carry uninsured/underinsured motorist coverage. However, Arizona law does require that insurance companies offer this insurance option to shoppers. Why? This option can help protect drivers financially from people who are not carrying the required coverage. If you choose not to carry this state-recommended coverage, your insurance company can process a state form for you that allows you to reject this coverage in writing.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.