Cheapest Car Insurance in Phoenix, Arizona (2023)

Car insurance in Phoenix, Arizona's largest city, averages $203 per month for full coverage, and $121 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.

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 Company	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.	Average Monthly Quote	Average Annual Quote	Best for
Hugo	3	$47	$564	On-demand car insurance
Auto-Owners	4	$76	$912	Liability-only
State Farm	4.4	$92	$1,104	Teen drivers
GEICO	4.3	$95	$1,140	Discounts

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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 Quality (IQ) Score

  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

Best car insurance for young drivers: State Farm

Best car insurance for discounts: GEICO

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 $121. Here are some of the cheapest liability-only car insurance rates in Phoenix.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	57
Mile Auto	59
State Farm	69
GEICO	72
Root	75
USAA	78
Safeco	89
State Auto	89
Metromile	93
Nationwide	93
Sun Coast	99
Clearcover	104
Mercury	109
Midvale Home & Auto	112
Allstate	116
Travelers	119
Direct Auto	127
Progressive	127
Liberty Mutual	132
Dairyland	134
Hallmark	134
American Family	136
COUNTRY Financial	136
GAINSCO	140
The Hartford	140
Farmers	141
AssuranceAmerica	143
The General	156
Infinity	172
Bristol West	178
Commonwealth Casualty	196
Foremost	254

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 $242 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: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	84
Mile Auto	89
State Farm	104
GEICO	107
Root	113
USAA	117
Clearcover	129
Metromile	138
Travelers	167
Safeco	168
Nationwide	172
Allstate	173
Midvale Home & Auto	175
Mercury	181
Stillwater	187
Sun Coast	192
COUNTRY Financial	202
American Family	204
Direct Auto	207
The Hartford	210
Farmers	211
Liberty Mutual	220
AssuranceAmerica	222
Progressive	225
Infinity	248
State Auto	259
Hallmark	284
GAINSCO	299
The General	300
Bristol West	303
Dairyland	317
Foremost	353
Commonwealth Casualty	426

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.

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.

Depending on your needs and situation, you may want to consider getting optional insurance coverage as well, including:

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. 

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.

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.

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.

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 $254 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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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 $271 compared to $181 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: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	126
Mile Auto	133
State Farm	156
GEICO	160
Root	169
USAA	175
Clearcover	193
Metromile	207
Travelers	250
Safeco	252
Nationwide	258
Allstate	259
Midvale Home & Auto	262
Mercury	271
Stillwater	280
Sun Coast	288
COUNTRY Financial	302
American Family	305
Direct Auto	310
The Hartford	314
Farmers	316
Liberty Mutual	329
AssuranceAmerica	332
Progressive	337
Infinity	371
State Auto	388
Hallmark	425
GAINSCO	448
The General	449
Bristol West	454
Dairyland	475
Foremost	529
Commonwealth Casualty	638

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 $373 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: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	129
Mile Auto	137
State Farm	160
GEICO	165
Root	174
USAA	180

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 $421 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: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	146
Mile Auto	155
State Farm	181
GEICO	186
Root	197
USAA	204
Clearcover	225
Metromile	240
Travelers	291
Safeco	292
Nationwide	299
Allstate	301
Midvale Home & Auto	305
Mercury	315
Stillwater	326
Sun Coast	334
COUNTRY Financial	352
American Family	355
Direct Auto	360
The Hartford	366
Farmers	367
Liberty Mutual	383
AssuranceAmerica	387
Progressive	392
Infinity	432
State Auto	451
Hallmark	494
GAINSCO	521
The General	522
Bristol West	528
Dairyland	552
Foremost	615
Commonwealth Casualty	742

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 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 $160 per month for full coverage. Full-coverage rates for Phoenix drivers start at $${AUTO_CHEAPEST_FULL_CITY_AZ_PHOENIX_PRICE_1_AGE-60S} per month. Here are insurers with the cheapest insurance quotes for Phoenix seniors.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	39
Mile Auto	42
State Farm	49
GEICO	50
Root	53
USAA	55
Clearcover	61
Metromile	65
Travelers	78
Safeco	79
Allstate	81
Nationwide	81
Midvale Home & Auto	82
Mercury	85
Stillwater	88
Sun Coast	90
COUNTRY Financial	95
American Family	96
Direct Auto	97
Farmers	99
The Hartford	99
Liberty Mutual	103
AssuranceAmerica	104
Progressive	106
Infinity	117
State Auto	122
Hallmark	133
GAINSCO	141
The General	141
Bristol West	142
Dairyland	149
Foremost	166
Commonwealth Casualty	200

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 $478 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: Monday, September 18 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Auto-Owners	166
Mile Auto	176
State Farm	205
GEICO	211
Root	223
USAA	231

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 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.

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 $181, this is higher than the state average of $144.

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.

Phoenix car insurance FAQs

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 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

• Accidents in 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 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%
• DUI/DWIs in Phoenix

  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 Drivers in 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 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%
• Rude Drivers in 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 20 in rude driving infractions.

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

  • Rank within state: #21
  • Percent of drivers in Phoenix with a speeding ticket: 8.2%
• Safest Drivers in Phoenix

  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%
• Hybrid/Electric Vehicle Ownership in Phoenix

  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.