Projected to grow by nearly 60 percent in the next decade or so, the Greater Phoenix Area is a booming capital city with not only some incredible years ahead of it, but a massive amount of drivers on its roads.
It’s not the largest metropolitan area in the U.S. by far, but the Greater Phoenix Area (including the surrounding cities of Chandler, Glendale, Scottsdale, and Tempe) covers 2,000 square miles and pushes a sizable amount of traffic through its streets and highways day and night. Sharing the road safely with over 4.5 million people takes not only finesse but making sure you have some really good car insurance on your side.
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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:
Known as Arizona’s Urban Heart, Phoenix has roads full of drivers of every age. While car insurance varies from ZIP code to ZIP code here, it also varies by how old you are. In Phoenix, drivers in their 30s, 50s, and 60s seem to get the most breaks, paying on average $228, $222, and $210 per month in insurance premiums, respectively. Meanwhile, the least and most mature drivers pay the most in insurance premiums. This is because they land in the age categories that include a higher risk of claims. Phoenix drivers in their 20s pay $300 on average for monthly insurance, while those in their 70s pay $241 on average to be on the road.
|Failure to Stop for Red Light / Stop Sign||$311|
Phoenix drivers can do a lot to keep their rates low, beginning with keeping a clean driving record. Mistakes on the road (like causing an accident, speeding, or running a red light) can not only cause damage and physical harm but can land bad drivers in a higher-risk category, resulting in higher insurance premiums. What’s the price difference between a clean record and one with driving offenses in Phoenix? Phoenix drivers with nothing on their record pay an average of $248 in monthly insurance premiums. Compare that with another driver who has an at-fault accident on their record, and you’ll see that this driver pays an average of $68 more a month.
Putting your best foot forward in everything you do has certain payoffs. Keeping your credit score healthy is no exception. Because credit scores are used by many auto insurance companies to calculate your insurance risk, it’s important that you care about that too. In Phoenix, a driver with an excellent credit score can expect to pay $240 in insurance premiums monthly.
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When you’re working with the Motor Vehicle Division (MVD) of Arizona, you can do business with them online, in person, or through authorized third-party providers where available. If you want to skip a trip to an MVD office—or for easy access to over 40 MVD services online—the state has a robust website compared to some of the harder-to-navigate government sites you usually find.
If you’re taking public transit within Phoenix, you are going to travel primarily by bus or using their 20-mile light-rail system. In the rankings, Phoenix falls short in terms of public transit and those in need could consider it a “just-average” transportation city. That said, the majority of Phoenix’s growing population is dependent on their own vehicles for getting to and from work, running errands, and seeing the sights. You can, of course, get around the city by cab, shuttle, and ride service resources, including Uber, Lyft, Arizona-based TotalRide, and student transportation service Zum.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Phoenix drivers measure up to their fellow Arizona motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
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.
Phoenix's fast-growing freeway system is one of the nation’s largest. It’s a good thing too, considering the massive population growth the city is expected to experience in the years to come. With a comparably modest public transit system, however, more and more people will be dependent on their own automobiles to get around the metro and outlying areas.
Being tied to your vehicle is one thing, but being tied to an insurance company who may or may not be giving you your best rates is another. Insurify frees drivers from being too dependent on one insurance company when the time to make a change to better, cheaper car insurance is right.
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.