Cheap Auto Insurance Quotes in Phoenix, AZ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Phoenix, AZ

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

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Phoenix, AZ Driving Facts

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
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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.

Driver's AgeAvg. Monthly Cost
teens$529
20s$301
30s$229
40s$240
50s$223
60s$211
70s$241
80s$240
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$241
Good$264
Average$263
Poor$252

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Phoenix stacks up for the state of Arizona:

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

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.