Travelers offers Phoenix's cheapest car insurance with annual rates of $687 for minimum coverage and $1,292 for full coverage. Other affordable options in the city include State Farm, GEICO and Auto-Owners.
Car Insurance in Phoenix
Updated: August 13, 2025
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Key Takeaways
Phoenix's cheapest car insurance companies are Travelers, State Farm and GEICO, with rates up to 42% lower than the city average.
Monthly car insurance costs in Phoenix average $181 for full coverage and $90 for minimum coverage.
You'll find the best cheap auto insurance in Phoenix by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Phoenix?
| Travelers | $57 | $108 | -42% |
| State Farm | $69 | $149 | -24% |
| GEICO | $72 | $156 | -20% |
| Auto-Owners | $78 | $158 | -17% |
| Progressive | $99 | $165 | -8% |
Compare the Cheapest Phoenix Car Insurance for You
Your car insurance rates depend heavily on your driving record, credit score and other personal factors. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $147 | $1,768 | -47% |
| State Farm | $170 | $2,040 | -39% |
| Progressive | $209 | $2,502 | -25% |
| Auto-Owners | $222 | $2,659 | -20% |
| GEICO | $271 | $3,247 | -2% |
Cheapest Car Insurance by Age Group in Phoenix
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Phoenix, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Travelers (from $123 per month)
- Cheapest Car Insurance for Adults: Travelers (from $57 per month)
- Cheapest Car Insurance for Seniors: Travelers (from $82 per month)
Cheapest Car Insurance for Young Drivers in Phoenix
Travelers and GEICO offer the best car insurance rates for young drivers in Phoenix with average monthly rates starting at $123 and $154 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Phoenix
In Phoenix, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers 39% on average. State Farm and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $57 | $687 | -39% |
| State Farm | $69 | $830 | -27% |
| GEICO | $72 | $866 | -24% |
| Auto-Owners | $78 | $940 | -17% |
| Allstate | $92 | $1,104 | -2% |
Cheapest Car Insurance for Senior Drivers in Phoenix
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $82 | $982 | -38% |
| State Farm | $90 | $1,078 | -32% |
| GEICO | $98 | $1,173 | -26% |
| Safeway | $121 | $1,452 | -8% |
| Progressive | $131 | $1,569 | -1% |
Cheapest Car Insurance for High-Risk Drivers in Phoenix
If you're a high-risk driver in Phoenix, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: Safeway (from $110 per month)
- Cheapest With a DUI: State Farm (from $74 per month)
- Cheapest With an Accident: Travelers (from $73 per month)
- Cheapest With a Speeding Ticket: Travelers (from $71 per month)
Cheapest Car Insurance for Bad Credit in Phoenix
In Phoenix, Safeway offers the cheapest car insurance for drivers with bad credit at $110 monthly for minimum coverage and $199 for full coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Safeway | $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% |
Cheapest Car Insurance With a DUI in Phoenix
State Farm offers the most affordable car insurance for Phoenix drivers with a DUI. Their rates are 50% lower than average for minimum coverage and 48% below average for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $74 | $889 | -50% |
| Travelers | $80 | $965 | -46% |
| Progressive | $121 | $1,448 | -19% |
| Safeway | $140 | $1,681 | -6% |
| Farmers | $145 | $1,736 | -3% |
Cheapest Car Insurance With an Accident in Phoenix
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $73 | $881 | -46% |
| State Farm | $81 | $967 | -41% |
| GEICO | $109 | $1,304 | -21% |
| Auto-Owners | $113 | $1,360 | -17% |
| Safeway | $140 | $1,681 | 3% |
Cheapest Car Insurance With a Speeding Ticket in Phoenix
For Phoenix drivers with speeding tickets, Travelers offers the most affordable insurance options. Their minimum liability coverage costs about $71 monthly, while full coverage with higher limits runs around $143 per month.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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% |
Best Car Insurance Companies in Phoenix
Phoenix drivers will find the best car insurance options with Travelers, Auto-Owners, Progressive and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage choices.
| 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 |
Travelers: Best Value Overall
pros
Most affordable rates in Phoenix
Strong customer service ratings
Wins in multiple driver categories
cons
Limited coverage options
Higher rates for drivers with DUIs
COMPANY HIGHLIGHTS
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 consistently rate Travelers highly for claims handling and support. The company provides the best rates for young drivers, seniors, and those with accidents or speeding tickets.
Auto-Owners: Best Customer Service
pros
Top-rated customer experience
Fast claims processing
Personalized local service
cons
Higher minimum coverage rates
Limited online tools
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot thanks to 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.
How Much Is Car Insurance in Phoenix?
In Phoenix, minimum coverage costs about $90 per month or $1,077 per year, ranking 263rd out of all Arizona cities for affordability. Full coverage averages $181 monthly or $2,174 annually, also ranking 263rd among Arizona cities.
| Full Coverage | $181 | $2,174 |
| Minimum Coverage | $90 | $1,077 |
Compare Personalized Phoenix Car Insurance Costs
While Phoenix rates vary by ZIP code and coverage type, the table below lets you filter average costs based on your specific combination of age, driving record and other key factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $265 | $3,181 | 37% |
Phoenix Car Insurance Costs by ZIP Code
In 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.
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ZIP Code:85037
| 85037 | $121 | $226 |
How to Get the Best Cheap Phoenix Car Insurance
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.
- 1
Know your coverage 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.
- 2
Explore different coverage types
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.
- 3
Check local average costs
Review average vehicle insurance costs in Phoenix to set realistic expectations. Understanding rates helps you identify genuinely good deals and avoid overpaying for coverage.
- 4
Find available discounts
Maximize savings through car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles.
- 5
Research insurance company ratings
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.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance providers. Compare identical coverage levels across companies to ensure you're making accurate price comparisons.
- 7
Review your policy annually
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.
Cheapest Car Insurance in Phoenix: Bottom Line
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.
Cheap Phoenix Car Insurance: FAQ
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.
What is the cheapest car insurance company in Phoenix, Arizona?
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.
Who offers the best car insurance in Phoenix?
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.
What is the average cost of car insurance in Phoenix?
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.
Is car insurance in Phoenix expensive?
Car insurance in Phoenix costs more than average, ranking 263rd for both minimum and full coverage affordability compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Phoenix, AZ
To help Phoenix drivers find the most affordable auto insurance companies, MoneyGeek analyzed Phoenix auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in Phoenix and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.
Phoenix Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Phoenix with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Phoenix
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Arizona are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Phoenix based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.