Cheapest Auto Insurance in Phoenix, Arizona (2024)

Phoenix drivers can find the cheapest coverage from Auto-Owners, with minimum-coverage policies as low as $57 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

Featured in

media logomedia logo
Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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.

Featured in

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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 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.

Updated June 20, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Phoenix, Arizona

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $45/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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Phoenix, Arizona’s largest city, averages $203 per month for full coverage and $117 for liability-only insurance. But Phoenix drivers with good motor vehicle records may be able to find cheaper rates with companies like Auto-Owners and Mile Auto.

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 $174, which is higher than in several other large cities in Arizona, as well as the state overall average of $143.

  • 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 $229 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Hugo7.0$55$48On-demand coverage
Auto-Owners8.5$80$48Liability-only coverage
State Farm9.3$99$59Young drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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-5 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 28,000 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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
7.0
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
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.
$52/mo

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

Read our Hugo review
Thaddeus - June 3, 2024
Verified

On the Go Insurance

It's flexible, but I would like to speak to a human about issues.

David - May 20, 2024
Verified

Yes

It's the best deal for people like me who rarely go out.

William - May 13, 2024
Verified

Average

The service is average.

Best insurer for liability-only coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$57/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.
$94/mo

Headquartered in Lansing, Michigan, Auto-Owners is one of the nation’s largest insurers, serving nearly 3 million policyholders in 26 states. The company launched in 1916, and today sells car, home, life, and commercial insurance policies. A.M. Best gives Auto-Owners a financial strength and credit rating of A++, and the company has significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Consumer Complaint Index. J.D. Power gives the company high marks for claims satisfaction. Auto-Owners offers several discounts, including ones for having multiple policies with the insurer, and for paying in full.

Pros
  • Excellent customer service

  • Variety of insurance products to bundle with

Cons
  • Not available in every state

Read our Auto-Owners review
Thomas - June 18, 2024
Verified

Pleased

I'm very pleased, but it got too expensive.

Phyllis - June 17, 2024
Verified

Interested in Changing

They are very difficult to contact with problems and questions.

Kenneth - June 17, 2024
Verified

Excellent

I would renew with them, but they are leaving Florida.

Best insurer for young drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$71/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.
$116/mo

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

Read our State Farm review
Ronald - June 20, 2024
Verified

Excellent Outcome

They were professional, helpful, supportive, and knowledgeable.

Henry Crognale - June 20, 2024
Verified

Good

Excellent customer service.

Carole - June 20, 2024
Verified

Fair

It's too expensive for seniors.

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 $57 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest liability-only car insurance in Phoenix: Auto-Owners

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 $117. Here are some of the cheapest liability-only car insurance rates in Phoenix.

The below rates are estimated rates current as of: Tuesday, June 18 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 CompanyAverage Monthly Quote
Auto-Owners$57
Mile Auto$63
State Farm$71
GEICO$73
Root$77
USAA$80
Sun Coast$93
Metromile$94
Safeco$94
National General$98
Midvale Home & Auto$108
Allstate$118
Mercury$121
Progressive$121
Travelers$122
Direct Auto$123
Hallmark$131
Dairyland$133
COUNTRY Financial$138
American Family$139
The Hartford$143
Farmers$144
GAINSCO$145
The General$147
Nationwide$161
Infinity$164
Liberty Mutual$164
Bristol West$174
AssuranceAmerica$181
Commonwealth Casualty$205
Foremost$257
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $230 per month for full coverage. Auto-Owners 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, June 18 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 CompanyAverage Monthly Quote
Auto-Owners$94
Mile Auto$100
State Farm$116
GEICO$120
Root$127
USAA$131
Safeco$153
Metromile$155
Midvale Home & Auto$170
Allstate$193
Sun Coast$195
Mercury$199
Travelers$201
Progressive$213
COUNTRY Financial$226
Infinity$226
National General$226
American Family$228
Nationwide$234
The Hartford$234
Farmers$236
State Auto$244
Direct Auto$262
Liberty Mutual$280
AssuranceAmerica$288
Hallmark$302
Dairyland$317
The General$323
GAINSCO$327
Bristol West$329
Foremost$439
Commonwealth Casualty$480
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $36/mo for liability only and $45/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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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 June 20, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 June 20, 2024. 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.

CoverageMinimum Requirements
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 $230 per month in Phoenix.

Find Car Insurance in Phoenix

Monthly full-coverage rates start at $94

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket: Auto-Owners

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 $251 compared to $174 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, June 18 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 CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners$57$75
Mile Auto$63$87
State Farm$71$92
GEICO$73$95
Root$77$107
USAA$80$104
Sun Coast$93$134
Metromile$94$129
Safeco$94$125
National General$98$127
Midvale Home & Auto$108$146
Allstate$118$154
Mercury$121$169
Progressive$121$159
Travelers$122$161
Direct Auto$123$161
Hallmark$131$171
Dairyland$133$175
COUNTRY Financial$138$184
American Family$139$181
The Hartford$143$205
Farmers$144$187
GAINSCO$145$208
The General$147$194
Nationwide$161$212
Infinity$164$223
Liberty Mutual$164$235
Bristol West$174$226
AssuranceAmerica$181$241
Commonwealth Casualty$205$294
Foremost$257$369
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $334 per month for full coverage and $170 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, June 18 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 CompanyClean Driving RecordWith Accident
Auto-Owners$57$77
Mile Auto$63$92
State Farm$71$95
GEICO$73$99
Root$77$110
USAA$80$108
Sun Coast$93$135
Metromile$94$133
Safeco$94$123
National General$98$133
Midvale Home & Auto$108$154
Allstate$118$159
Mercury$121$173
Progressive$121$166
Travelers$122$165
Direct Auto$123$169
Hallmark$131$171
Dairyland$133$179
COUNTRY Financial$138$192
American Family$139$187
The Hartford$143$211
Farmers$144$193
GAINSCO$145$188
The General$147$202
Nationwide$161$219
Infinity$164$218
Liberty Mutual$164$241
Bristol West$174$231
AssuranceAmerica$181$244
Commonwealth Casualty$205$272
Foremost$257$378
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $380 and $193, 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, June 18 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 CompanyClean Driving RecordWith DUI
Auto-Owners$57$95
Mile Auto$63$95
State Farm$71$119
GEICO$73$122
Root$77$129
USAA$80$134
Sun Coast$93$154
Metromile$94$157
Safeco$94$157
National General$98$164
Midvale Home & Auto$108$180
Allstate$118$197
Mercury$121$182
Progressive$121$202
Travelers$122$204
Direct Auto$123$205
Hallmark$131$219
Dairyland$133$222
COUNTRY Financial$138$230
American Family$139$232
The Hartford$143$213
Farmers$144$240
GAINSCO$145$242
The General$147$245
Nationwide$161$269
Infinity$164$274
Liberty Mutual$164$274
Bristol West$174$290
AssuranceAmerica$181$302
Commonwealth Casualty$205$342
Foremost$257$429
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $83 for liability only. Here are insurers with the cheapest insurance quotes for Phoenix seniors.

The below rates are estimated rates current as of: Tuesday, June 18 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 CompanyFull CoverageLiability Only
Auto-Owners$68$41
Mile Auto$70$44
State Farm$83$51
GEICO$89$54
Root$97$59
USAA$97$59
Metromile$114$69
Safeco$115$71
Midvale Home & Auto$120$76
Sun Coast$138$66
Mercury$139$84
Progressive$141$80
Allstate$144$88
Travelers$146$89
The Hartford$150$92
Infinity$157$114
Nationwide$162$111
American Family$164$100
COUNTRY Financial$165$101
National General$165$71
Farmers$170$104
Direct Auto$188$88
AssuranceAmerica$201$127
Liberty Mutual$208$122
Hallmark$213$92
Dairyland$235$99
Bristol West$244$129
The General$245$111
GAINSCO$251$111
Foremost$318$186
Commonwealth Casualty$353$151
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Auto-Owners

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 $451 per month and $229 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, June 18 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 CompanyFull CoverageLiability Only
Auto-Owners$169$103
GEICO$199$121
Mile Auto$202$127
Root$205$124
State Farm$206$126
USAA$228$140
Metromile$273$165
Midvale Home & Auto$307$195
Safeco$330$203
COUNTRY Financial$351$214
Allstate$354$217
Mercury$378$230
Travelers$378$230
Sun Coast$382$182
Progressive$402$228
American Family$418$255
Nationwide$420$289
Infinity$433$314
Farmers$435$265
National General$451$195
The Hartford$469$287
Direct Auto$499$234
Liberty Mutual$540$316
The General$549$250
Dairyland$556$233
AssuranceAmerica$558$351
Hallmark$560$243
Bristol West$587$311
GAINSCO$608$270
Foremost$815$477
Commonwealth Casualty$888$379
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Phoenix

Unlock savings and discounts by comparing rates today

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $174, this is higher than the state average of $143.

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.

CityFull CoverageLiability Only
Chandler$189$99
Glendale$225$122
Mesa$199$102
Scottsdale$189$100
Tempe$207$107
Tucson$177$90
Yuma$146$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $230 for full coverage and $117 for a liability-only policy, according to Insurify data.

  • Which company has the cheapest car insurance in Phoenix?

    Auto-Owners has the cheapest car insurance rates in Phoenix, with monthly liability rates as low as $57. Mile Auto and State Farm also offer affordable coverage, with respective monthly liability rates of $63 and $71.

    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, 9.0, and 8.5 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 7.0

  • 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 50+ 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 SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

Featured in

media logomedia logomedia logomedia logo
Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • 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.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all