Compare the Cheapest Car Insurance Quotes in Phoenix, AZ

The average car insurance rate in Phoenix is $1,430 annually, which is more expensive than the state average. The cheapest widely-available insurer in the city is GEICO with an average annual rate of $857. MoneyGeek evaluated the cheapest options by coverage amount and driver profile. MoneyGeek also recommended the best companies for drivers who want affordability and quality service.

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The Cheapest and Best Car Insurance in Phoenix

The Cheapest Car Insurance Companies in Phoenix

Based on MoneyGeek’s study, the cheapest car insurance rates in Phoenix for a full coverage policy are from:

  • USAA: $845 per year (only available to current and former military members)
  • GEICO: $857 per year

For many drivers, the best car insurance company is the least expensive for their needs. The most affordable car insurance company in Phoenix, Arizona, is USAA, with an average annual premium of $845. However, USAA solely serves members or veterans of the U.S. military and their families. Therefore, the cheapest widely available auto coverage in Phoenix is from GEICO, at $857 per year.

MoneyGeek collected average prices for a 40-year-old male driver with a full coverage policy, which includes liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in Phoenix

Phoenix$1,430
Arizona$1,284
U.S.$1,424

The annual average car insurance rate in Phoenix is $1,430. This is 11.4% higher than the average rate in the state of Arizona, with Glendale next at $1,412, and Chandler and Gilbert the lowest at $1,195. In comparison to the average national car insurance cost, Arizona is 0.4% higher.

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The Best Car Insurance Companies in Phoenix

MoneyGeek ranked the top insurance options for Phoenix drivers looking for a balance of affordability and quality service. The best auto insurance companies in Phoenix for most drivers are:

  • GEICO: MoneyGeek score of 90 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA received the highest score in Phoenix by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

The final scores are based on MoneyGeek’s rating system that includes J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:83

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:83

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Phoenix

Car insurance companies offer personalized quotes that allow drivers to get custom rates based on their needs. Auto insurance quotes in Phoenix, much like in other cities, rely on factors such as the type of car, the driver’s age and experience, gender, credit score, ZIP code and driving history.

Every car insurance company has its own formula when computing its quotes, so it is best to inquire and compare the prices of different companies. At the same time, drivers should regularly request personalized quotes as they may qualify for discounts, rebates or other savings.

The driver’s age is a major factor in how car insurance companies determine their rates in Phoenix. A younger driver will pay a higher premium because they are less experienced, and therefore, are considered a financial risk as they can lead to higher insurance claims. Young drivers also have a high tendency for distracted driving, reckless and dangerous behavior behind the wheel.

Another component of a quote is the driver’s credit score. Insurers assess a driver’s credit score with the assumption that good credit scores result in fewer insurance claims. A driver with a bad credit rating can pay up to $1,428.36 more than another driver with an exceptional credit score.

Shopping around for car insurance in Phoenix could save you $572, which is enough to buy:


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191Cups of Coffee
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44Months of Your Favorite Streaming Service

Cheapest Car Insurance in Phoenix by Coverage Amount

The cost of car insurance in Phoenix and elsewhere depends on various factors, including the coverage level. For a state minimum policy in Phoenix, drivers pay an average of $713 per year. A full coverage policy with higher liability limits costs $1,430 on average, which is $717 more expensive.

Arizona Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

GEICO offers the cheapest state minimum liability-only coverage with an average premium of $400. They also have the most affordable 50/100/50 full-coverage option, costing an average of $724 per year. This policy will cover $50,000 in medical bills per person, with a maximum per vehicle of $100,000, along with $50,000 in property damage.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Phoenix if You Have Driving Violations

No matter the driver’s age or situation when they had a violation or car accident, these incidents will affect the rate of their car insurance policy. Someone who has a speeding ticket on their record will pay an additional $164 with GEICO compared to a driver with a clean record.

For a driver with no violations, GEICO is the cheapest option, with an average premium of $857. However, with a DUI conviction on your record, that price could jump all the way to $1,741.

Average Cost of Car Insurance by Postal Code

One of the major factors insurance companies use when determining your rates is your ZIP code. Insurers will often quote higher prices for a driver who lives in a densely populated neighborhood or an area with a high number of claims.

In Phoenix, drivers in the 85032 ZIP code will pay an average annual premium of $1,276, which is nearly $300 cheaper than drivers in the 85009 area.

  • Zip Code
    State Minimumper year
  • 85032
    $1,276
  • 85022
    $1,325
  • 85008
    $1,407
  • 85037
    $1,426
  • 85041
    $1,439
  • 85033
    $1,482
  • 85035
    $1,508
  • 85009
    $1,574
iconribbontop ratedCar Insurance agentsPhoenix2021

Top Agents Offering Affordable Car Insurance in Phoenix

1. Coriano Insurance Agency4742 N 24th St, Ste 300A, Phoenix, AZ, 85016
26 ratings
2. Phoenix Insurance Group7220 N 16th St, Ste C, Phoenix, AZ, 85020
8 ratings
3. Knight Insurance Group12 W Vernon Ave, Phoenix, AZ, 85003
7 ratings
4. Magelan Group131 S 20th St, Phoenix, AZ, 85021
6 ratings
5. ACC Insurance Agency20660 N 40th St, Phoenix, AZ, 85050
6 ratings

Factors That Impact Insurance Costs in Phoenix

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Phoenix. How Phoenix ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities30th/300
handcuffs2 icon
Most Car Thefts127th/300
uninsured icon
Most Uninsured Motorists by State24th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall290th/300
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Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Phoenix are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.