Cheapest Car Insurance in Phoenix, Arizona (2024)

Phoenix drivers can find the cheapest full-coverage quotes from Auto-Owners, Mile Auto, and State Farm.

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Mark Friedlander
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Konstantin Halachev
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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 March 1, 2024 at 11:00 AM PST

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Car insurance in Phoenix, Arizona's largest city, averages $194 per month for full coverage, and $116 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. This article is your guide to what insurers are offering in Phoenix so you can find the right policy to fit your needs.

Quick Facts
  • The overall average car insurance rate in Phoenix is $171, which is higher than in several other large cities in Arizona, as well as the state 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 $225 for liability coverage.

Best car insurance companies in Phoenix

Finding the cheapest car insurance in Phoenix is not 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.
Average Monthly QuoteAverage Annual QuoteBest for
Hugo3$47$564On-demand car insurance
Auto-Owners4$76$912Liability-only
State Farm4.4$92$1,104Teen drivers
GEICO4.3$95$1,140Discounts

On Insurify's secure site

4.8/5
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best cheap car insurance in Phoenix: 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.
3
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.
$48/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. Hugo does have a lower Insurify Quality Score of 3.0 out of 5, but the company offers some of the cheapest rates in Phoenix.

Pros
  • Flexible car insurance plans

  • Short-term coverage options available

  • Perfect for people who work from home or drive infrequently

Cons
  • IQ Score of 3.0

  • Coverage only available in 13 states

  • Policy bundling not available

Can’t get anyone to help me with my issues.

Melissa - October 24, 2023
Verified

Excellent price.

Ingrid - October 11, 2023
Verified

They have been honest.

Jason - September 24, 2023
Verified
Read our Hugo review

Best car insurance 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.
4.4
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.
$68/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.
$109/mo

State Farm has an IQ Score of 4.4 and affordable coverage options for teen Arizona drivers. While teens typically tend to 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
  • IQ Score of 4.4

  • Good driver discount

  • Multiple savings options available

Cons
  • Gap coverage not available

  • Accident forgiveness not available

  • Steer Clear Driving Program has an age limit

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best car insurance for discounts: GEICO

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.
835
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.
$112/mo

GEICO provides several car insurance coverage options and discounts to drivers. With GEICO, you can get a discounted premium for bundling insurance, driving a newer vehicle made within the past three years, and having certain safety features. GEICO also provides a five-year accident-free good driver discount that could save you up to 22%.

Pros
  • Personalized coverage options available

  • Several available discounts

  • Comprehensive mobile app and website offerings

Cons
  • Only major U.S. insurer that doesn't offer gap coverage

  • Accident forgiveness not available

  • Limited network of in-person agents

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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, there are some things you can do 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. Cheapest liability-only car insurance in Phoenix: Auto-Owners

Cheapest liability-only car insurance

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 $116. Here are some of the cheapest liability-only car insurance rates in Phoenix.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners56
Mile Auto61
State Farm68
GEICO71
State Auto72
Root75
USAA77
Safeco84
Clearcover91
Metromile92
Sun Coast92
National General99
Midvale Home & Auto109
Allstate115
Mercury118
Progressive118
Travelers118
Direct Auto123
Dairyland132
Hallmark132
COUNTRY Financial134
American Family135
The Hartford139
Farmers140
GAINSCO140
The General143
Nationwide155
Liberty Mutual157
Infinity169
AssuranceAmerica171
Bristol West176
Commonwealth Casualty199
Foremost251
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

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 $226 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners88
Mile Auto93
State Farm109
GEICO112
Root118
USAA122
Clearcover126
Metromile145
Safeco155
Midvale Home & Auto171
Travelers176
Allstate181
Mercury188
Sun Coast189
Nationwide204
Progressive209
COUNTRY Financial212
American Family213
The Hartford219
Farmers220
National General221
Direct Auto226
State Auto230
Infinity244
Liberty Mutual259
AssuranceAmerica265
Hallmark285
The General297
GAINSCO304
Dairyland307
Bristol West318
Foremost445
Commonwealth Casualty453
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.

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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

    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

    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

    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. Typically, you 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 rate. 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 $228 per month in Phoenix. The data in the following sections and data tables reflects the cost of full-coverage car insurance in Phoenix.

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Rates for drivers with incidents start as low as $120 for full coverage

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Cheapest car insurance for drivers with a speeding ticket

If you’re assessed a speeding citation, this can also appear on your driving record and cause your car insurance rates to increase. In fact, drivers with a speeding ticket have an overall average monthly cost of $246 compared to $171 for good drivers. 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners117
Mile Auto139
State Farm139
GEICO145
USAA158
Root174
Clearcover175
Metromile211
Safeco216
Travelers231
Allstate234
Nationwide266
Mercury278
American Family279
COUNTRY Financial280
Progressive281
Farmers285
National General287
Direct Auto305
State Auto310
Infinity334
The Hartford335
Liberty Mutual360
AssuranceAmerica370
GAINSCO384
The General397
Dairyland410
Bristol West418
Commonwealth Casualty571
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

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 you've 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 $332 per month for full coverage. 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners120
State Farm145
Mile Auto146
GEICO151
USAA165
Root180
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

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 huge 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 in Phoenix after a DUI climbs to $377 per month. 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: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners142
Mile Auto150
State Farm176
GEICO180
Root180
USAA196
Clearcover203
Metromile218
Safeco250
Travelers283
Allstate291
Mercury307
Nationwide328
Progressive337
COUNTRY Financial341
American Family343
The Hartford344
Farmers354
National General356
Direct Auto364
State Auto370
Infinity393
Liberty Mutual417
AssuranceAmerica427
The General478
GAINSCO489
Dairyland494
Bristol West512
Commonwealth Casualty659
Foremost716
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

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] However, 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 $157 per month for full coverage. Full-coverage rates for Phoenix drivers start at $88 per month overall and are even cheaper for seniors. Here are insurers with the cheapest insurance quotes for Phoenix seniors.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners46
Mile Auto54
State Farm55
GEICO61
USAA69
Root74
Metromile84
Progressive91
The Hartford96
Travelers97
Nationwide99
Clearcover101
Allstate102
Safeco102
American Family110
COUNTRY Financial114
Farmers117
Mercury117
Direct Auto124
AssuranceAmerica142
National General143
Liberty Mutual148
Bristol West185
Dairyland186
The General193
GAINSCO197
Commonwealth Casualty285
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

Young drivers have less experience on the road and are a riskier age group for companies to insure. While teen drivers tend to see 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 $439 per month. Here are some of the cheapest car insurance rates for teen drivers in Phoenix.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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-Owners154
Mile Auto184
GEICO186
Root192
State Farm195
USAA211
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.

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Unlock savings and discounts by comparing rates today

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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 $171, this is higher than the state average of $143.

Chandler and Gilbert are Arizona cities with lower car insurance costs than Phoenix, while Glendale has higher rates. Drivers in larger, high-traffic cities may see 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.

CityAverage Monthly QuoteCompared to Phoenix
Chandler$274-17%
Gilbert$282-14%
Glendale$3589%
Mesa$267-19%
Scottsdale$270-18%
Tempe$290-12%
Tucson$244-26%
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.

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 $226 for full coverage, and 116 for a liability-only policy. However, good drivers may find rates as low as $88 for full coverage, and $56 for liability.

  • Which company has the cheapest car insurance in Phoenix?

    Auto-Owners has the cheapest car insurance rates in Phoenix. Good drivers may find rates as low as $88 for full coverage, while those with a speeding ticket may see rates as low as $120 from Auto-Owners.

  • What are the best car insurance companies in Phoenix?

    State Farm, GEICO, and Auto-Owners are some of the top insurers in Phoenix, and they have IQ Scores of 4.4, 4.2, and 4.0, respectively. State Farm also boosts the industry’s top customer service, and GEICO’s app is generally well received.[3] Hugo draws a lot of attention as well for its low rates, but its IQ Score is lower, at 3.0. 

  • 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 person, you may also find coverage under your parents’ auto policy, but coverage is still required.

Insurify Insights

How Phoenix Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Phoenix, Arizona below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Phoenix drivers measure up to their fellow motorists across Arizona in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Phoenix

#21

City with the Most Speeding Tickets Rank in Arizona

#24

City with the Most Moving Violations Rank in Arizona

#27

City with the Most DUIs Rank in Arizona

#7

City with the Most Suspended Licenses in Arizona

  • 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 22 in the number of car accidents per driver across all cities in Arizona.

    • Rank within state: #22
    • Percent of drivers in Phoenix with an accident: 8.6%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Phoenix drivers rank 27 in the number of DUI’s per driver across all cities in Arizona.

    • Rank within state: #27
    • Percent of drivers in Phoenix with a DUI: 1.8%
  • 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 17 in the number of reckless driving offenses per driver.

    • Rank within state: #17
    • Percent of drivers in Phoenix with a reckless driving offense: 1.3%
  • 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 20 in rude driving infractions.

    • Rank within state: #20
    • Percent of drivers in Phoenix with a reckless driving violation: 1.5%
  • 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 21 in the number of speeding infractions per driver.

    • Rank within state: #21
    • Percent of drivers in Phoenix with a speeding ticket: 8.2%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Phoenix drivers rank 45 in clean driving records across all cities in Arizona.

    • Rank within state: #45
    • Percent of drivers in Phoenix with clean record: 79.3%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Phoenix drivers rank 19 in hybrid and electric vehicle ownership across all cities in Arizona.

    • Rank within state: #19
    • Percent of drivers in Phoenix with a hybrid/electric vehicle: 1.21%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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?." Accessed June 21, 2023
  2. Insurance Information Institute. "Senior driving safety and insurance tips." Accessed June 28, 2023
  3. J.D. Power. "Auto Insurance Rate Hikes Erode Price Satisfaction, Drive Surge in Value Shopping, J.D. Power Finds." Accessed June 28, 2023
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.

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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 HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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