Updated: November 7, 2025
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Travelers offers the cheapest car insurance in Phoenix. GEICO, State Farm, Farmers and Nationwide also provide coverage in the city.
Car insurance in Phoenix costs an average of $1,077 per year for minimum coverage and $2,174 per year for full coverage.
Travelers also offers the cheapest car insurance in Arizona at $495 per year for minimum coverage and $993 per year for full coverage.
Travelers offers the lowest rates with $687 per year for minimum coverage and $1,292 per year for full coverage, both coming in 36% below the city average of $1,077. State Farm charges $830 annually for minimum coverage and $1,787 for full coverage.
Competition among top insurers keeps rates competitive for Phoenix drivers. Since prices vary across companies, comparing many options often leads to better deals.
| Travelers | $57 | $108 | -42% |
| State Farm | $69 | $149 | -24% |
| GEICO | $72 | $156 | -20% |
| Auto-Owners | $78 | $158 | -17% |
| Progressive | $99 | $165 | -8% |
Young drivers pay the most with Travelers at $1,480 per year for minimum coverage. Adults get the lowest rate at $687, which is 54% cheaper than what young drivers pay.
Senior drivers with Travelers pay about $982 annually, a 43% increase compared to adult rates.
Even with these differences, Travelers remains the most affordable option for Phoenix drivers across all age groups.
Travelers and GEICO provide the lowest car insurance rates for young drivers in Phoenix, with average monthly costs starting at $123 and $154, respectively.
| Travelers | $123 | $1,480 | -46% |
| Geico | $154 | $1,848 | -33% |
| State Farm | $164 | $1,965 | -28% |
| Allstate | $188 | $2,251 | -18% |
| Auto Owners | $189 | $2,265 | -17% |
Travelers provides the lowest rates for Phoenix adult drivers (26 to 64), saving drivers 39% on average. State Farm and GEICO also rank among the top affordable providers for this age group.
| Travelers | $57 | $687 | -39% |
| State Farm | $69 | $830 | -27% |
| Geico | $72 | $866 | -24% |
| Auto Owners | $78 | $940 | -17% |
| Allstate | $92 | $1,104 | -2% |
For Phoenix seniors aged 65 and up, Travelers offers the most affordable car insurance rates. The minimum coverage costs $82 monthly or $982 annually. Full coverage from the same provider runs $153 per month or $1,830 per year.
| Travelers | $82 | $982 | -38% |
| State Farm | $90 | $1,078 | -32% |
| Geico | $98 | $1,173 | -26% |
| Safeway Insurance | $121 | $1,452 | -8% |
| Progressive | $131 | $1,569 | -1% |
If you're a high-risk driver in Phoenix, these insurance companies offer the lowest rates based on your situation:
Safeway offers the cheapest car insurance for Phoenix drivers with bad credit at $110 monthly for minimum coverage and $199 for full coverage.
| Safeway Insurance | $110 | $1,315 | -48% |
| Geico | $121 | $1,454 | -42% |
| Travelers | $139 | $1,664 | -34% |
| Nationwide | $140 | $1,675 | -33% |
| Auto Owners | $159 | $1,912 | -24% |
State Farm offers the most affordable car insurance for Phoenix drivers with a DUI. Its rates are 50% lower than average for minimum coverage and 48% below average for full coverage policies.
| State Farm | $74 | $889 | -50% |
| Travelers | $80 | $965 | -46% |
| Progressive | $121 | $1,448 | -19% |
| Safeway Insurance | $140 | $1,681 | -6% |
| Farmers | $145 | $1,736 | -3% |
Travelers offers the lowest car insurance rates in Phoenix for drivers with an accident, with premiums starting at $73 per month. This rate saves drivers 46% compared to the city average.
| Travelers | $73 | $881 | -46% |
| State Farm | $81 | $967 | -41% |
| Geico | $109 | $1,304 | -21% |
| Auto Owners | $113 | $1,360 | -17% |
| Safeway Insurance | $140 | $1,681 | 3% |
Travelers offers the best rates for Phoenix drivers with a speeding ticket. Minimum coverage averages around $71 per month, while full coverage with higher limits costs about $143 monthly.
| Travelers | $71 | $847 | -39% |
| State Farm | $74 | $889 | -36% |
| Auto Owners | $78 | $940 | -32% |
| Geico | $91 | $1,090 | -21% |
| Safeway Insurance | $108 | $1,301 | -6% |
Travelers ranks first in Phoenix with a MoneyGeek score of 96 out of 100, the highest in the city. It offers competitive premiums, strong customer service and well-rounded coverage that fits different driver profiles.
Auto Owners follows with a score of 92 and earns a perfect 5-star rating for customer experience, making it a great value choice. Progressive also performs well with strong claims handling and low complaint rates.
All three companies combine quality service with fair pricing for Phoenix drivers.
| Travelers | 96 | 1 | 2 | 4 |
| Auto-Owners | 92 | 4 | 1 | 5 |
| Progressive | 88 | 5 | 3 | 2 |
| State Farm | 87 | 2 | 4 | 6 |
| GEICO | 85 | 3 | 6 | 6 |
Most affordable rates in Phoenix
Strong customer service ratings
Wins in multiple driver categories
Limited coverage options
Higher rates for drivers with DUIs
Travelers leads Phoenix car insurance providers with the lowest rates and strong customer satisfaction scores. The company offers minimum coverage starting at $57 monthly, well below the city average.
Phoenix drivers give Travelers high marks for its claims handling and customer support. The company also offers the best rates for young drivers, seniors and drivers with accidents or speeding tickets.
Excellent customer service
Quick claims processing
Personalized local agents
Higher rates for minimum coverage
Fewer online tools and features
Auto-Owners earns the second spot with exceptional customer service and claims handling. While its $78 monthly minimum coverage rate runs higher than some competitors, drivers praise the company's personalized support and quick claims resolution.
Auto-Owners offers the lowest rates for drivers with older vehicles and maintains a strong local presence with dedicated agents serving Phoenix residents.
Car insurance in Phoenix costs an average of $1,077 per year for minimum coverage and $2,174 per year for full coverage. These rates exceed the Arizona state average of $744 for minimum coverage.
Travelers offers rates below the city average at $687 for minimum coverage. Phoenix drivers should expect moderate to high premiums with opportunities to find affordable coverage through major carriers.
| Full Coverage | $181 | $2,174 |
| Minimum Coverage | $90 | $1,077 |
Phoenix car insurance rates by ZIP code range from $70 to $226 per month. ZIP code 85037 is the most expensive, while 85048 is the cheapest. Check the average rates for your ZIP code below.
| 85037 | $121 | $226 |
Finding affordable car insurance in Phoenix can be tough with the city’s high rates, but you don’t have to pay more than you should. This guide walks you through the most practical steps to help you save.
Figure out how much protection you really need based on your driving habits and lifestyle in Phoenix. Use our car insurance coverage needs calculator to find the right coverage levels for your vehicle and personal assets.
Look into various car insurance options. If you don’t drive often, consider pay-per-mile coverage. If you don’t own a car but drive occasionally, non-owner insurance might be a better fit.
Check the average car insurance rates in Phoenix to know what’s fair. It helps you spot good deals and avoid overpaying.
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
Look into each insurer’s customer service and claims satisfaction scores. Choose companies with a solid track record in Phoenix, especially when it comes to handling claims after severe weather.
Ask for quotes from at least three insurers and compare the same coverage levels. This helps you see real price differences and find the best value.
Mark your calendar to check your policy once a year. Updates in your driving habits, car value or personal situation could qualify you for lower rates or better coverage.
Your car insurance rates depend on your driving record, vehicle and credit score. In Phoenix, Travelers and State Farm offer the lowest average premiums, but compare quotes from multiple providers to find your best rate.
Looking for affordable car insurance in Phoenix? Our FAQ section provides clear answers about finding cheap coverage that fits your needs, helping you make confident insurance decisions.
Travelers offers the lowest rates in Phoenix, with average annual premiums of $687 for minimum coverage and $1,292 for full coverage. Rates vary by individual factors, so compare quotes.
Travelers offers Phoenix's highest-rated car insurance, scoring 96 out of 100 and outperforming Auto-Owners by four points. Travelers excels in affordability and customer service quality.
Phoenix drivers pay $2,174 for full coverage and $1,077 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Car insurance in Phoenix costs more than average, ranking 263rd for both minimum and full coverage affordability compared to other Arizona cities.
To help Phoenix drivers find affordable car insurance, MoneyGeek analyzed rates using data from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services.
We analyzed quotes from 12 major insurers across all Phoenix ZIP codes, reviewing hundreds of thousands of data points to find the best options for local drivers.
Phoenix Driver Profile
We used the following sample driver profile to calculate average car insurance quotes in Phoenix:
We also adjusted factors like age, driving record, credit score and military status to find the best insurers for different types of drivers.
Coverage Levels in Phoenix
MoneyGeek compared the most affordable insurers for both minimum and full coverage policies.
The minimum coverage requirements in Arizona:
For full coverage, we used the following limits:
Our Best Company Rating Methodology
We evaluated each insurer based on three important factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
