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Cheap Auto Insurance Quotes in Phoenix, AZ (May 2022)
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Phoenix offers Arizona drivers scenic roads, but it’s important to have appropriate car insurance coverage to protect yourself and your loved ones in the event of a car accident. Whether you’re looking for minimum coverage or full-coverage car insurance, finding cheap car insurance in Phoenix is fast and easy with Insurify. You can compare 10+ personalized quotes today!
The average cost of car insurance in Phoenix can go as high as $323 and as low as $156 per month, amounting to a whopping $2,004 annual difference in insurance premiums. To get cheap Arizona car insurance, request at least four quotes from different car insurance companies and compare the auto insurance rates they give you. You can start with the companies below.
Many auto insurance companies in Phoenix offer affordable car insurance without sacrificing the reliability of your service. Insurify Composite Score (ICS) is a metric that Insurify assigns to car insurance companies after extensively analyzing their average rates and quality of service. With an ICS of 97 and an average auto insurance premium of $156, Clearcover leads the list below.
Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.
Arizona's minimum liability car insurance limits are as follows:
Car insurance providers see teen drivers and young drivers as high-risk drivers because they don’t have as much experience behind the wheel. This is why teen drivers can expect average monthly rates as high as $406 and drivers in their 20s as high as $239. As you gain more experience, your insurance policy becomes cheaper, going down to $132 per month in your 60s.
|Driver's Age||Avg. Monthly Cost|
Insurance providers look at your driving history to determine your car insurance quote. Phoenix drivers with a clean record get the lowest rates—$228 per month on average—while those with speeding tickets, at-fault accidents, failures to stop, and DUIs on their driving record are likely to pay more. Drivers with at-fault accidents can expect the highest premiums, $303 per month.
|Driving History||Avg. Monthly Cost|
|Failure to Stop||$306|
Your credit score is another factor that can influence your car insurance rates. According to Insurify data, Phoenix drivers with excellent credit history have the cheapest auto insurance rates, while those with poor credit scores can expect higher car insurance premiums. Drivers with excellent credit scores can expect to pay $20 less per month than those with poor credit.
The data below shows that drivers with good credit scores have higher-than-expected average rates, which can be likely explained by the fact that more drivers with good credit scores get full-coverage insurance, which is more expensive than the minimum required insurance coverage.
|Credit Tier||Avg. Monthly Cost|
The department of motor vehicles—or the DMV—is a government agency that provides various services to drivers. All U.S. states have DMVs, but not all states use this exact name for this agency. In Arizona, the DMV is called the MVD, short for Motor Vehicle Division, and it is a part of the Arizona Department of Transportation.
The MVD offers a variety of services, such as renewing your driver’s license or registering your vehicle. You can go to any MVD closest to you in Phoenix, but walk-ins are not allowed and you need to make an appointment before you go. The Phoenix MVD also offers many of its services online, such as registration renewal, driver’s license replacement, and more.
Phoenix is a large metropolitan city, and it can be hard to travel around it freely without your own vehicle. There are some public transportation options available, such as Phoenix’s Valley Metro Rail and the Phoenix Transit Bus. There is also a Phoenix Dial-a-Ride service for persons with disabilities available seven days a week and an e-scooter program.
If car insurance costs are preventing you from investing in your own vehicle, remember that you can find a much cheaper car insurance policy if you compare quotes with Insurify. Insurify users save up to $996 on car insurance a year!
No two drivers are the same, and no two car insurance companies weigh factors such as your age, credit score, and driving history to calculate your rate. This is why the best way to find the cheapest car insurance in Phoenix is to compare quotes from at least four different providers and see which one gives you the best rate with the best deductibles and coverage.
Manually requesting quotes from car insurance companies and comparing them can be time-consuming and stressful. Insurify makes finding cheap car insurance in Phoenix easy. Spend five minutes answering a few basic questions, and get instant access to 10+ personalized cheap quotes from the best car insurance companies in Phoenix.
Comparing at least four quotes from different car insurance providers is one of the best ways to get a cheap car insurance policy. You can also bundle your car insurance policy with another policy, such as renters insurance, to get a discount. Insurify gives you personalized suggestions to maximize your savings and find the cheapest car insurance in Phoenix in minutes!
Your car insurance rate is unique and depends on a variety of factors, such as your age and whether you have a clean driving record. Average car insurance rates in Phoenix can go as high as $406 per month or as low as $132 per month. Get a free quote with Insurify today to get 10+ personalized quotes and find the best coverage at the best rate.
If you are a teen driver or a young driver in your 20s, have a poor credit score, or have at-fault accidents, speeding tickets, DUIs, or failures to stop on your record, you can expect to pay more for car insurance. However, you can still find cheap car insurance in Phoenix if you use Insurify to compare real and personalized quotes.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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:
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.
Most Popular Car in Phoenix
City with the Most Speeding Tickets Rank in Arizona
City with the Most Moving Violations Rank in Arizona
City with the Most DUIs Rank in Arizona
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 12 in the number of car accidents per driver across all cities in Arizona.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Phoenix drivers rank 12 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Phoenix drivers rank 10 in the number of DUI’s per driver across all cities in Arizona.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Phoenix is the Honda Civic.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Phoenix drivers rank 9 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Phoenix drivers rank 16 in clean driving records across all cities in Arizona.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Phoenix drivers rank 7 in failure to yield violations per driver across all cities in Arizona.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Phoenix drivers rank 12 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Phoenix drivers rank 18 in hybrid and electric vehicle ownership across all cities in Arizona.
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.