Updated: December 15, 2025
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Travelers: Most affordable for many driver profiles. At $57 monthly for minimum coverage and $107 monthly for full coverage, Travelers saves most drivers 26% annually compared to Phoenix's average.
State Farm: Runner-up for affordability with $69 minimum and $148 full coverage monthly rates. It's affordable for senior drivers, drivers with an accident and drivers with a DUI.
GEICO: Third most affordable option, with the best rates for young drivers in Phoenix.
Cheapest Monthly Rates by Coverage and Driver Profile in Phoenix:
Travelers offers Phoenix's lowest full coverage rates at $107 monthly, 42% below the city average. State Farm ranks second at $148 per month, saving drivers 24% compared to typical Phoenix rates. The same insurers lead for minimum coverage. Travelers charges $57 monthly (42% savings), while State Farm costs $69 monthly (24% savings).
Your actual rates depend on your ZIP code and driving record. Compare quotes from multiple insurers to find your best price.
| Travelers | $57 | $108 | -42% |
| State Farm | $69 | $149 | -24% |
| Geico | $72 | $156 | -20% |
| Auto Owners | $78 | $158 | -17% |
| Progressive | $99 | $165 | -8% |
Not in Phoenix? Read more about the cheapest car insurance or the best provider in Arizona.
Teen drivers in Phoenix pay higher premiums due to limited driving experience. Travelers charges the lowest rates at $247 monthly. GEICO costs $336 per month, and State Farm charges $347 monthly. Add your teen to your family policy rather than buying separate coverage. This approach saves hundreds monthly compared to standalone teen policies.
Defensive driving courses cut premiums by 5% to 15%. Most Phoenix insurers offer this discount after course completion.
| Travelers | $248 | $2,972 | -45% |
| Geico | $336 | $4,037 | -26% |
| State Farm | $347 | $4,164 | -24% |
| Auto Owners | $370 | $4,439 | -19% |
| Safeway Insurance | $419 | $5,034 | -8% |
Travelers offers Phoenix seniors the lowest full coverage rates at $152 monthly. State Farm charges $182 per month, and GEICO costs $201 monthly. Defensive driving courses cut premiums by up to 10% for three years. GEICO adds age-specific discounts and defensive driver credits beyond the standard course discount.
Most insurers include accident forgiveness for drivers 65 and older.
| Travelers | $153 | $1,830 | -40% |
| State Farm | $183 | $2,195 | -28% |
| Geico | $201 | $2,417 | -20% |
| Progressive | $223 | $2,670 | -12% |
| Nationwide | $239 | $2,868 | -6% |
Violations increase your rates, but insurers price them differently. Travelers charges the lowest rates after an at-fault accident at $73 monthly for minimum coverage. State Farm costs $80 per month for the same coverage. Speeding tickets cost less with Travelers at $70 monthly, compared to State Farm's $74 per month. DUI convictions reverse the pricing pattern. State Farm charges $74 monthly, while Travelers costs $80 per month. Speeding tickets affect rates for three to five years. DUIs impact premiums for up to 10 years. Compare quotes from multiple insurers after any violation, as rate differences can exceed 30%.
| At-Fault Accident | Travelers | $73 | -46% |
| At-Fault Accident | State Farm | $81 | -41% |
| DUI | State Farm | $74 | -50% |
| DUI | Travelers | $80 | -46% |
| Speeding Ticket | Travelers | $71 | -39% |
| Speeding Ticket | State Farm | $74 | -36% |
ZIP codes determine Phoenix insurance rates more than the general location. Drivers in 85037 pay $226 monthly for full coverage. Drivers in 85331 pay $143 monthly, an $83 difference.
Traffic density, theft rates and accident frequency vary by ZIP code, creating these price gaps across the Valley.
| 85037 | $226 |
| 85012 | $221 |
| 85040 | $219 |
| 85022 | $211 |
| 85016 | $210 |
| 85031 | $209 |
| 85009 | $202 |
| 85019 | $202 |
| 85017 | $201 |
| 85035 | $201 |
| 85331 | $143 |
| 85048 | $144 |
| 85045 | $145 |
| 85044 | $150 |
| 85054 | $154 |
| 85310 | $156 |
| 85254 | $157 |
| 85050 | $160 |
| 85024 | $162 |
| 85028 | $162 |
Travelers ranks first for Phoenix drivers with a MoneyGeek score of 95 out of 100. The company offers the city's lowest rates and earns high customer service ratings. Auto-Owners, Progressive, State Farm and GEICO provide strong alternatives. Each maintains competitive pricing and comprehensive coverage options across Phoenix ZIP codes.
| 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 |
Lowest rates across all driver types
IntelliDrive program rewards safe driving with discounts
24/7 mobile claims filing and customer support
No new car replacement or gap coverage
Limited coverage options compared to competitors
Higher customer service complaint rates
Travelers ranks first in Phoenix for claims handling and digital support. The company charges the lowest rates for drivers with accidents, speeding tickets, young drivers and seniors.
The mobile app handles roadside assistance and claims filing. Comprehensive coverage includes flood damage protection and rental reimbursement. Travelers covers personal items in your vehicle and offers hybrid vehicle discounts.
High customer service ratings with 24/7 support
Teen monitoring discounts and bundled deductibles
Monsoon and weather damage coverage
No classic or collector car coverage
Agent-only sales, no direct online purchase
Fewer coverage options than competitors
Auto-Owners ranks high for customer service and digital tools. The mobile app handles roadside assistance and claims reporting with 24/7 support. Auto-Owners covers flood damage from monsoon storms and vehicle theft. The Added Advantage Program increases liability limits annually at no extra cost.
Phoenix drivers pay high insurance costs, but several strategies reduce premiums substantially.
Combine auto with home or renters insurance for 15% to 25% savings. Add multi-car discounts (10% to 25% per vehicle), good driver discounts and paperless billing discounts. Total savings reach 30% to 40% when you combine multiple discounts.
Raising your deductible from $500 to $1,000 cuts premiums by 10% to 15% annually. Choose a deductible you can afford to pay after an accident..
Insurers adjust rates based on claims data and local risk factors. Your driving record improves after three years without incidents, qualifying you for lower rates when you shop around.
Phoenix has Arizona's highest car insurance rates at $181 monthly for full coverage. Lake Havasu City charges the state's lowest rates at $47 monthly. Location differences within Arizona create a $134 gap between the most and least expensive cities.
Finding affordable car insurance in Phoenix starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Arizona’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 85037 often pay much more than those in 85331.
We partnered with the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Phoenix ZIP code.
Our ratings for the best car insurance in Phoenix are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Phoenix neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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.
