Updated: November 4, 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.
The relatively tight competition among major insurers creates favorable conditions for Phoenix drivers. The pricing spread between carriers means Phoenix drivers benefit from comparing multiple options.
| 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 $1,480 annually with Travelers for minimum coverage, the highest rate among age groups. Adult drivers secure the best rates at $687 per year with Travelers, saving 54% compared to young drivers.
Senior drivers from Travelers pay $982 annually, representing a 43% increase over adult rates. Travelers maintains its position as the most affordable choice across all three age categories.
Travelers' consistent leadership across demographics simplifies shopping for Phoenix drivers.
Travelers and GEICO offer the best car insurance rates for young drivers in Phoenix with average monthly rates 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% |
For Phoenix drivers with speeding tickets, Travelers offers the most affordable insurance options. Its minimum liability coverage costs about $71 monthly, while full coverage with higher limits runs around $143 per month.
| 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 leads Phoenix with a MoneyGeek score of 96 out of 100, the highest in the city. The company provides competitive base premiums and excellent customer experience scores, offering comprehensive coverage while keeping costs manageable across all driver types.
Auto Owners offers compelling value with a MoneyGeek score of 92 out of 100 and outstanding customer satisfaction with a perfect 5-star customer experience rating. Progressive excels in claims handling and maintains minimal complaint ratios.
Both companies deliver exceptional service while maintaining competitive pricing.
| 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 rate Travelers highly for claims handling and support. Travelers provides the best rates for young drivers, seniors and those with accidents or speeding tickets.
Top-rated customer experience
Fast claims processing
Personalized local service
Higher minimum coverage rates
Limited online tools
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 challenging with the area's high rates, but you don't have to settle for expensive coverage. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the right protection for your needs.
Start by understanding exactly how much coverage you need for your Phoenix driving situation. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your vehicle's value and personal assets.
Learn about various types of car insurance options available. Consider pay-per-mile coverage if you drive infrequently, or non-owner insurance if you don't own a vehicle but occasionally drive.
Review average vehicle insurance costs in Phoenix to set realistic expectations. Understanding rates helps you identify genuinely good deals and avoid overpaying for coverage.
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
Investigate each insurance provider's customer service ratings and claims satisfaction scores. Focus on companies with strong records in Phoenix, particularly their handling of claims during extreme weather events.
Request quotes from at least three different insurance providers. Compare identical coverage levels across companies to ensure you're making accurate price comparisons.
Set a yearly reminder to review your car insurance policy. Changes in your driving habits, vehicle value or personal circumstances might qualify you for better rates or different coverage options.
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 reviewed quotes from 12 major insurers across all ZIP codes in the city, analyzing hundreds of thousands of data points to find the best options for local drivers.
Phoenix Driver Profile
We used a sample driver profile to calculate average car insurance quotes in Phoenix:
We also adjusted factors like age, driving record, credit score, and military affiliation to find the most suitable insurers for different types of drivers.
Coverage Levels in Phoenix
MoneyGeek compared the most affordable companies for both minimum and full coverage policies.
The minimum coverage requirements in Arizona are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated 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.
