Compare Rates and Save on Auto Insurance

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The cheapest car insurance provider for you is influenced by your driving profile and needs. In Phoenix, Travelers offers the lowest rates for minimum coverage, full coverage, sports cars, teens and seniors. Root has the lowest rates for young adults and drivers with bad records or poor credit. USAA is the cheapest for military families.

If you want a balance of affordability and service, MoneyGeek ranked the best car insurance providers in Phoenix.

MoneyGeek Logo IconCheapestCar InsurancePhoenix
2023

Cheapest Car Insurance in Phoenix, AZ

Cheapest Minimum Coverage Car Insurance in Phoenix

MoneyGeek’s research reveals that the cheapest minimum coverage car insurance providers in Phoenix are:

  • Travelers: $358 per year
  • Mercury: $367 per year

The most expensive provider in the city is The General, an affiliate of American Family Insurance, that specializes in insuring high-risk drivers. Its minimum coverage policy costs approximately $1,684 per year.

As of October 2022, Mercury offers the most affordable car insurance in Arizona, with an average cost of $333 per year. The difference in Phoenix's and Arizona’s cheapest provider underscores how location and population density impact auto insurance rates.

Company
Annual Premium
Monthly Premium

Travelers

$358

$30

Mercury

$367

$31

Mercury

$379

$32

Travelers

$384

$32

Travelers

$401

$33

Country Financial

$463

$39

Country Financial

$470

$39

Root Insurance Company

$498

$42

Root Insurance Company

$501

$42

Auto-Owners Insurance Co

$504

$42

Auto-Owners Insurance Co

$517

$43

State Farm

$521

$43

Mercury

$526

$44

Root Insurance Company

$538

$45

State Farm

$553

$46

Hartford

$564

$47

Progressive

$568

$47

Progressive

$569

$47

GEICO

$596

$50

GEICO

$631

$53

Hartford

$639

$53

Allstate

$644

$54

Iowa Farm Bureau

$653

$54

Country Financial

$653

$54

Farmers

$663

$55

Progressive

$669

$56

State Farm

$674

$56

Farmers

$690

$57

Auto-Owners Insurance Co

$703

$59

Iowa Farm Bureau

$704

$59

Nationwide

$718

$60

GEICO

$724

$60

Allstate

$738

$61

Allstate

$748

$62

Nationwide

$756

$63

Travelers

$764

$64

Travelers

$773

$64

Root Insurance Company

$787

$66

Root Insurance Company

$789

$66

Farmers

$811

$68

CSAA

$834

$69

Root Insurance Company

$851

$71

Iowa Farm Bureau

$852

$71

Hartford

$857

$71

Travelers

$917

$76

Nationwide

$953

$79

CSAA

$983

$82

Hartford

$1,019

$85

State Farm

$1,026

$86

GEICO

$1,029

$86

GEICO

$1,034

$86

Auto-Owners Insurance Co

$1,053

$88

Progressive

$1,061

$88

Auto-Owners Insurance Co

$1,098

$91

Mercury

$1,105

$92

State Farm

$1,111

$93

Progressive

$1,111

$93

CSAA

$1,123

$94

Hartford

$1,130

$94

Mercury

$1,156

$96

Iowa Farm Bureau

$1,181

$98

Allstate

$1,194

$99

Farmers

$1,227

$102

Farmers

$1,262

$105

GEICO

$1,273

$106

Iowa Farm Bureau

$1,273

$106

Allstate

$1,313

$109

Allstate

$1,368

$114

Progressive

$1,395

$116

State Farm

$1,407

$117

Country Financial

$1,430

$119

CSAA

$1,481

$123

Nationwide

$1,493

$124

Iowa Farm Bureau

$1,501

$125

Auto-Owners Insurance Co

$1,506

$126

Farmers

$1,522

$127

Hartford

$1,602

$133

Country Financial

$1,603

$134

Mercury

$1,639

$137

The General

$1,684

$140

Nationwide

$1,690

$141

CSAA

$1,737

$145

The General

$1,892

$158

CSAA

$1,977

$165

Nationwide

$2,043

$170

Country Financial

$2,051

$171

The General

$2,523

$210

The General

$3,443

$287

The General

$3,591

$299

The General

$5,008

$417

Insurance Rates

Compare Insurance Rates

Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.

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To comply with state regulations, auto insurance policies in Arizona must have coverage for bodily injuries and property damage with at least the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

If you cause an accident in Phoenix and have a minimum coverage policy, your insurance provider will pay for medical treatment expenses up to $50,000, with a cap of $25,000 per individual. Any additional costs for injuries to the other driver (and any damage to your car) will be your responsibility.

Cheapest Full Coverage Car Insurance in Phoenix

MoneyGeek found that the following companies offer the cheapest full coverage car insurance in Phoenix:

  • Travelers: $773 per year
  • Root: $789 per year

The General is the most expensive insurer in the city, with an average annual cost of $3,443 for full coverage insurance. It is an affiliate of American Family Insurance and specializes in high-risk driver car insurance.

Root provides the cheapest full coverage car insurance in Arizona, costing approximately $715 per year. Its statewide rates are cheaper compared to its prices in Phoenix, demonstrating how location can affect car insurance costs.

Company
Annual Premium
Monthly Premium

Travelers

$358

$30

Mercury

$367

$31

Mercury

$379

$32

Travelers

$384

$32

Travelers

$401

$33

Country Financial

$463

$39

Country Financial

$470

$39

Root Insurance Company

$498

$42

Root Insurance Company

$501

$42

Auto-Owners Insurance Co

$504

$42

Auto-Owners Insurance Co

$517

$43

State Farm

$521

$43

Mercury

$526

$44

Root Insurance Company

$538

$45

State Farm

$553

$46

Hartford

$564

$47

Progressive

$568

$47

Progressive

$569

$47

GEICO

$596

$50

GEICO

$631

$53

Hartford

$639

$53

Allstate

$644

$54

Iowa Farm Bureau

$653

$54

Country Financial

$653

$54

Farmers

$663

$55

Progressive

$669

$56

State Farm

$674

$56

Farmers

$690

$57

Auto-Owners Insurance Co

$703

$59

Iowa Farm Bureau

$704

$59

Nationwide

$718

$60

GEICO

$724

$60

Allstate

$738

$61

Allstate

$748

$62

Nationwide

$756

$63

Travelers

$764

$64

Travelers

$773

$64

Root Insurance Company

$787

$66

Root Insurance Company

$789

$66

Farmers

$811

$68

CSAA

$834

$69

Root Insurance Company

$851

$71

Iowa Farm Bureau

$852

$71

Hartford

$857

$71

Travelers

$917

$76

Nationwide

$953

$79

CSAA

$983

$82

Hartford

$1,019

$85

State Farm

$1,026

$86

GEICO

$1,029

$86

GEICO

$1,034

$86

Auto-Owners Insurance Co

$1,053

$88

Progressive

$1,061

$88

Auto-Owners Insurance Co

$1,098

$91

Mercury

$1,105

$92

State Farm

$1,111

$93

Progressive

$1,111

$93

CSAA

$1,123

$94

Hartford

$1,130

$94

Mercury

$1,156

$96

Iowa Farm Bureau

$1,181

$98

Allstate

$1,194

$99

Farmers

$1,227

$102

Farmers

$1,262

$105

GEICO

$1,273

$106

Iowa Farm Bureau

$1,273

$106

Allstate

$1,313

$109

Allstate

$1,368

$114

Progressive

$1,395

$116

State Farm

$1,407

$117

Country Financial

$1,430

$119

CSAA

$1,481

$123

Nationwide

$1,493

$124

Iowa Farm Bureau

$1,501

$125

Auto-Owners Insurance Co

$1,506

$126

Farmers

$1,522

$127

Hartford

$1,602

$133

Country Financial

$1,603

$134

Mercury

$1,639

$137

The General

$1,684

$140

Nationwide

$1,690

$141

CSAA

$1,737

$145

The General

$1,892

$158

CSAA

$1,977

$165

Nationwide

$2,043

$170

Country Financial

$2,051

$171

The General

$2,523

$210

The General

$3,443

$287

The General

$3,591

$299

The General

$5,008

$417

A full coverage policy includes comprehensive and collision insurance.

  • Collision insurance: This covers damages to your car resulting from a crash with other vehicles or objects, such as a tree, fence or light pole.
  • Comprehensive insurance: This pays for damages to your vehicle that are caused by non-collision incidents, such as falling objects, theft, vandalism, fire, flood and other weather-related hazards.

We recommend full coverage car insurance for most people. However, if you have an older car with minimal value, it may not be worth paying more to get full coverage.

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Cheapest Car Insurance in Phoenix After a Driving Offense

If you have a driving violation, you might be able to find affordable car insurance in Phoenix from:

  • Speeding ticket: Root ($968 per year)
  • At-fault accident: Root ($990 per year)
  • DUI: Root ($872 per year)

The General, which specializes in insuring high-risk drivers, has the highest prices for motorists with a violation:

  • Speeding ticket: The General ($4,135 per year)
  • At-fault accident: The General ($4,888 per year)
  • DUI: The General ($4,495 per year)

A driving violation can impact your car insurance rates. Even if you choose an affordable provider, you will likely face more expensive rates compared to someone with a clean record.

Company
Annual Premium
Monthly Premium

Travelers

$449

$37

Travelers

$476

$40

Travelers

$481

$40

Travelers

$491

$41

Auto-Owners Insurance Co

$504

$42

Travelers

$509

$42

Auto-Owners Insurance Co

$517

$43

Travelers

$520

$43

Travelers

$522

$43

Root Insurance Company

$556

$46

Root Insurance Company

$559

$47

Travelers

$562

$47

Travelers

$574

$48

Mercury

$582

$49

State Farm

$596

$50

State Farm

$596

$50

Root Insurance Company

$599

$50

Root Insurance Company

$623

$52

Mercury

$625

$52

Progressive

$625

$52

Root Insurance Company

$627

$52

Root Insurance Company

$627

$52

Root Insurance Company

$628

$52

State Farm

$633

$53

State Farm

$633

$53

Country Financial

$634

$53

Country Financial

$643

$54

State Farm

$655

$55

Progressive

$659

$55

Root Insurance Company

$672

$56

Mercury

$677

$56

Root Insurance Company

$679

$57

GEICO

$689

$57

State Farm

$696

$58

Auto-Owners Insurance Co

$703

$59

Progressive

$718

$60

Progressive

$729

$61

GEICO

$732

$61

Hartford

$736

$61

Progressive

$759

$63

Mercury

$767

$64

Mercury

$768

$64

State Farm

$771

$64

State Farm

$771

$64

Auto-Owners Insurance Co

$783

$65

Country Financial

$788

$66

Country Financial

$796

$66

Auto-Owners Insurance Co

$804

$67

Country Financial

$806

$67

Mercury

$810

$68

Country Financial

$817

$68

Farmers

$819

$68

Hartford

$822

$68

Hartford

$825

$69

Progressive

$826

$69

Iowa Farm Bureau

$835

$70

GEICO

$846

$70

State Farm

$848

$71

Progressive

$852

$71

Mercury

$859

$72

Root Insurance Company

$870

$73

Root Insurance Company

$872

$73

Nationwide

$877

$73

Hartford

$881

$73

GEICO

$892

$74

Country Financial

$896

$75

Iowa Farm Bureau

$900

$75

Farmers

$911

$76

Progressive

$913

$76

Nationwide

$915

$76

Root Insurance Company

$940

$78

Farmers

$945

$79

Hartford

$946

$79

Farmers

$963

$80

Root Insurance Company

$967

$81

Root Insurance Company

$968

$81

Progressive

$969

$81

GEICO

$971

$81

Root Insurance Company

$987

$82

Root Insurance Company

$990

$83

Hartford

$1,015

$85

CSAA

$1,026

$86

Root Insurance Company

$1,045

$87

Allstate

$1,045

$87

Auto-Owners Insurance Co

$1,053

$88

Farmers

$1,057

$88

GEICO

$1,061

$88

Auto-Owners Insurance Co

$1,062

$89

Country Financial

$1,063

$89

Travelers

$1,066

$89

Farmers

$1,071

$89

Root Insurance Company

$1,072

$89

Mercury

$1,080

$90

Mercury

$1,086

$90

Iowa Farm Bureau

$1,090

$91

Farmers

$1,091

$91

Auto-Owners Insurance Co

$1,091

$91

Auto-Owners Insurance Co

$1,092

$91

Auto-Owners Insurance Co

$1,098

$91

Nationwide

$1,112

$93

Hartford

$1,116

$93

Travelers

$1,120

$93

Country Financial

$1,121

$93

Iowa Farm Bureau

$1,127

$94

Travelers

$1,129

$94

Allstate

$1,134

$95

State Farm

$1,163

$97

State Farm

$1,163

$97

Travelers

$1,175

$98

Farmers

$1,181

$98

Travelers

$1,184

$99

Travelers

$1,193

$99

Allstate

$1,196

$100

CSAA

$1,214

$101

Iowa Farm Bureau

$1,216

$101

GEICO

$1,216

$101

Allstate

$1,217

$101

Farmers

$1,231

$103

GEICO

$1,240

$103

Travelers

$1,243

$104

Travelers

$1,248

$104

State Farm

$1,257

$105

State Farm

$1,257

$105

CSAA

$1,263

$105

Progressive

$1,266

$105

State Farm

$1,272

$106

Progressive

$1,282

$107

Allstate

$1,291

$108

Allstate

$1,300

$108

Hartford

$1,300

$108

Travelers

$1,304

$109

Allstate

$1,318

$110

Nationwide

$1,319

$110

CSAA

$1,321

$110

State Farm

$1,373

$114

Nationwide

$1,374

$115

Hartford

$1,383

$115

GEICO

$1,391

$116

CSAA

$1,392

$116

Hartford

$1,400

$117

GEICO

$1,444

$120

Iowa Farm Bureau

$1,472

$123

Auto-Owners Insurance Co

$1,480

$123

Allstate

$1,481

$123

Hartford

$1,492

$124

Progressive

$1,492

$124

Allstate

$1,497

$125

Auto-Owners Insurance Co

$1,506

$126

GEICO

$1,510

$126

Iowa Farm Bureau

$1,511

$126

CSAA

$1,513

$126

Iowa Farm Bureau

$1,517

$126

Progressive

$1,524

$127

GEICO

$1,537

$128

Auto-Owners Insurance Co

$1,551

$129

Progressive

$1,560

$130

GEICO

$1,574

$131

Hartford

$1,575

$131

CSAA

$1,586

$132

State Farm

$1,595

$133

State Farm

$1,595

$133

Farmers

$1,606

$134

Auto-Owners Insurance Co

$1,609

$134

Hartford

$1,621

$135

Iowa Farm Bureau

$1,628

$136

GEICO

$1,635

$136

Iowa Farm Bureau

$1,636

$136

Farmers

$1,653

$138

Nationwide

$1,657

$138

Nationwide

$1,693

$141

Hartford

$1,698

$142

State Farm

$1,743

$145

CSAA

$1,745

$145

Nationwide

$1,748

$146

Progressive

$1,748

$146

Hartford

$1,751

$146

Mercury

$1,769

$147

Farmers

$1,770

$148

Progressive

$1,793

$149

Progressive

$1,807

$151

CSAA

$1,827

$152

CSAA

$1,837

$153

Farmers

$1,846

$154

Nationwide

$1,849

$154

Allstate

$1,862

$155

Farmers

$1,864

$155

GEICO

$1,877

$156

Mercury

$1,883

$157

Country Financial

$1,896

$158

Iowa Farm Bureau

$1,920

$160

Mercury

$1,922

$160

Iowa Farm Bureau

$1,981

$165

Farmers

$1,990

$166

Allstate

$2,023

$169

The General

$2,023

$169

Farmers

$2,029

$169

Nationwide

$2,030

$169

Iowa Farm Bureau

$2,042

$170

Nationwide

$2,046

$170

Auto-Owners Insurance Co

$2,050

$171

Farmers

$2,066

$172

Allstate

$2,069

$172

Progressive

$2,072

$173

Country Financial

$2,115

$176

Auto-Owners Insurance Co

$2,121

$177

Allstate

$2,132

$178

Hartford

$2,141

$178

CSAA

$2,153

$179

Mercury

$2,162

$180

Country Financial

$2,174

$181

Country Financial

$2,198

$183

Iowa Farm Bureau

$2,201

$183

The General

$2,205

$184

Auto-Owners Insurance Co

$2,221

$185

Allstate

$2,245

$187

Allstate

$2,262

$188

Farmers

$2,272

$189

CSAA

$2,276

$190

Mercury

$2,319

$193

Allstate

$2,319

$193

Country Financial

$2,321

$193

The General

$2,328

$194

GEICO

$2,365

$197

Nationwide

$2,399

$200

The General

$2,405

$200

CSAA

$2,410

$201

Country Financial

$2,427

$202

Hartford

$2,439

$203

CSAA

$2,458

$205

Mercury

$2,474

$206

Allstate

$2,511

$209

GEICO

$2,525

$210

Hartford

$2,528

$211

GEICO

$2,544

$212

Iowa Farm Bureau

$2,595

$216

Allstate

$2,596

$216

The General

$2,600

$217

Mercury

$2,613

$218

CSAA

$2,695

$225

Country Financial

$2,726

$227

Iowa Farm Bureau

$2,747

$229

Nationwide

$2,779

$232

CSAA

$2,858

$238

The General

$2,903

$242

The General

$2,912

$243

Auto-Owners Insurance Co

$2,936

$245

Iowa Farm Bureau

$2,961

$247

Country Financial

$2,989

$249

The General

$3,043

$254

Nationwide

$3,063

$255

Mercury

$3,073

$256

CSAA

$3,087

$257

Country Financial

$3,170

$264

The General

$3,181

$265

CSAA

$3,268

$272

Mercury

$3,292

$274

Iowa Farm Bureau

$3,491

$291

Nationwide

$3,570

$298

Nationwide

$3,619

$302

Nationwide

$3,902

$325

The General

$4,135

$345

The General

$4,408

$367

Nationwide

$4,409

$367

The General

$4,495

$375

The General

$4,888

$407

The General

$4,903

$409

The General

$5,455

$455

The General

$5,792

$483

The General

$6,059

$505

The General

$6,341

$528

The severity of your driving violations can sometimes impact your car insurance premiums. In Phoenix, a speeding ticket can increase your average annual premium by $388, while a DUI can add an extra $853. This makes a DUI around $465 more expensive than a speeding ticket.

Finding affordable car insurance coverage with a bad driving record is still possible by shopping around and taking advantage of discounts.

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IS ROOT CAR INSURANCE LEGIT?

Yes. Root is a legitimate company that does things a little differently to provide low-cost car insurance to good drivers. To get a policy with Root, you must allow its telematics app to gather and analyze data while you drive for a few weeks. It monitors things like how focused you are when driving, whether you brake smoothly or hard and what time of day or night you drive. Then, you receive a car insurance policy quote based primarily on how you drive.

Root may take into account other individual ratings factors, such as motor vehicle record, ZIP code, age, marital status, gender, vehicle type and prior insurance coverage, but how you drive holds the most weight. Plus, unlike other companies, Root does not consider occupation or education level when pricing policies and plans to phase out credit scores from policy pricing by 2025.

Root wants to insure safe drivers and uses its telematics-based app to reward them with a low rate for good driving behavior. After the driving trial, if your behavior behind the wheel isn't a fit for a policy with Root, the company lets you know so you can look elsewhere for car insurance.

Cheapest Car Insurance in Phoenix for Teens and Their Families

If you're a teenager on a family car insurance policy in Phoenix, the cheapest insurers are:

  • Travelers: $1,943 per year for female teens; $2,325 per year for male teens
  • GEICO: $2,869 per year for male and female teens

Allstate charges the most expensive rates for teens on a family policy at $4,498 and $6,214 for female and male teenagers, respectively.

When it comes to car insurance, female teenagers generally have lower rates than their male counterparts since males are seen as riskier drivers. This trend is evident in Phoenix, where Travelers charges male teenagers $382 more.

As individuals enter early adulthood, this gender-based pricing discrepancy decreases.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$1,039

$1,631

Travelers

$1,096

$1,685

Travelers

$1,153

$1,809

Travelers

$1,165

$2,002

Travelers

$1,192

$1,870

Travelers

$1,248

$1,918

Travelers

$1,280

$2,223

Travelers

$1,285

$2,166

Travelers

$1,331

$2,046

Travelers

$1,437

$2,433

Travelers

$1,466

$2,471

Travelers

$1,468

$2,788

State Farm

$1,565

$4,760

Travelers

$1,580

$3,385

Travelers

$1,643

$2,783

Travelers

$1,652

$3,180

Farmers

$1,728

$2,761

State Farm

$1,738

$5,287

State Farm

$1,787

$5,313

Farmers

$1,790

$2,947

Progressive

$1,829

$2,425

State Farm

$1,829

$6,434

Travelers

$1,838

$3,935

Travelers

$1,877

$4,022

State Farm

$1,898

$5,774

Auto-Owners Insurance Co

$1,899

$4,163

Progressive

$1,938

$2,534

Travelers

$1,943

$5,082

State Farm

$1,969

$6,986

Progressive

$1,971

$3,780

Auto-Owners Insurance Co

$1,980

$4,547

GEICO

$1,982

$5,011

Nationwide

$2,016

$3,810

State Farm

$2,016

$5,993

Auto-Owners Insurance Co

$2,019

$4,426

Allstate

$2,029

$2,992

Nationwide

$2,055

$5,784

Allstate

$2,058

$3,035

Allstate

$2,064

$3,044

Nationwide

$2,075

$4,265

Allstate

$2,076

$3,176

Auto-Owners Insurance Co

$2,088

$4,795

GEICO

$2,117

$2,465

GEICO

$2,142

$2,701

GEICO

$2,143

$3,174

State Farm

$2,144

$7,541

Progressive

$2,144

$4,106

Auto-Owners Insurance Co

$2,153

$5,361

GEICO

$2,153

$2,507

Progressive

$2,154

$2,816

Progressive

$2,155

$2,858

Auto-Owners Insurance Co

$2,184

$5,469

GEICO

$2,195

$2,768

Auto-Owners Insurance Co

$2,207

$5,069

Auto-Owners Insurance Co

$2,223

$5,943

Nationwide

$2,225

$7,005

Travelers

$2,231

$4,777

GEICO

$2,236

$3,327

State Farm

$2,236

$6,646

Allstate

$2,237

$3,235

GEICO

$2,251

$2,988

GEICO

$2,251

$2,859

State Farm

$2,263

$8,030

State Farm

$2,263

$9,077

Progressive

$2,267

$3,577

Nationwide

$2,270

$4,289

Progressive

$2,272

$4,878

Progressive

$2,279

$3,504

GEICO

$2,279

$2,654

GEICO

$2,297

$2,897

Progressive

$2,301

$4,415

Allstate

$2,315

$3,335

Auto-Owners Insurance Co

$2,323

$5,094

Travelers

$2,325

$6,222

GEICO

$2,329

$6,724

Progressive

$2,340

$3,059

Allstate

$2,353

$3,402

Allstate

$2,374

$3,633

Nationwide

$2,379

$4,495

Nationwide

$2,382

$5,412

Progressive

$2,385

$3,163

Allstate

$2,392

$3,458

State Farm

$2,409

$8,385

GEICO

$2,428

$3,614

Nationwide

$2,439

$5,015

GEICO

$2,442

$3,963

GEICO

$2,442

$4,013

Auto-Owners Insurance Co

$2,459

$5,731

GEICO

$2,473

$3,661

Farmers

$2,520

$5,229

Nationwide

$2,553

$6,449

Progressive

$2,555

$5,536

Nationwide

$2,562

$5,267

GEICO

$2,591

$6,552

State Farm

$2,599

$10,399

GEICO

$2,611

$7,540

Auto-Owners Insurance Co

$2,614

$7,981

Progressive

$2,629

$5,033

Auto-Owners Insurance Co

$2,632

$7,036

Progressive

$2,632

$10,676

Allstate

$2,642

$3,808

Farmers

$2,657

$4,975

Farmers

$2,677

$5,778

Auto-Owners Insurance Co

$2,678

$6,242

Auto-Owners Insurance Co

$2,696

$6,875

Farmers

$2,737

$5,679

Farmers

$2,770

$6,332

Allstate

$2,800

$4,462

Farmers

$2,811

$5,522

State Farm

$2,831

$11,312

Farmers

$2,832

$12,648

State Farm

$2,833

$9,861

Farmers

$2,841

$6,132

Nationwide

$2,850

$9,603

Farmers

$2,866

$4,580

GEICO

$2,869

$10,585

GEICO

$2,869

$10,198

Farmers

$2,890

$6,800

Farmers

$2,921

$4,669

Progressive

$2,922

$11,942

Nationwide

$2,946

$11,123

Nationwide

$2,946

$11,123

State Farm

$2,975

$11,900

Allstate

$2,987

$4,303

State Farm

$2,991

$13,593

Farmers

$3,001

$13,742

Farmers

$3,001

$4,942

Nationwide

$3,014

$11,891

Nationwide

$3,085

$8,684

Farmers

$3,098

$5,101

Farmers

$3,134

$13,995

Auto-Owners Insurance Co

$3,164

$7,623

Progressive

$3,188

$14,856

Progressive

$3,269

$13,261

Auto-Owners Insurance Co

$3,273

$9,646

State Farm

$3,284

$12,990

Nationwide

$3,341

$13,231

Farmers

$3,347

$15,327

Allstate

$3,364

$5,477

Auto-Owners Insurance Co

$3,482

$8,388

Farmers

$3,487

$20,068

Nationwide

$3,488

$15,211

Nationwide

$3,488

$15,211

Progressive

$3,496

$16,319

Auto-Owners Insurance Co

$3,565

$9,753

Nationwide

$3,571

$16,288

Progressive

$3,572

$14,599

Nationwide

$3,595

$11,320

Allstate

$3,651

$5,263

Auto-Owners Insurance Co

$3,725

$10,976

Farmers

$3,726

$22,121

State Farm

$3,770

$14,911

Auto-Owners Insurance Co

$3,782

$12,813

State Farm

$3,787

$17,028

Allstate

$4,313

$6,770

Allstate

$4,457

$6,996

Allstate

$4,498

$7,416

Allstate

$5,890

$8,372

Allstate

$6,089

$8,655

Allstate

$6,214

$9,469

Being on a family auto insurance policy is a more cost-effective choice for teenagers compared to buying an individual policy. And in most cases, a teen under age 18 cannot legally purchase car insurance unless a parent or guardian co-signs. In Phoenix, 16-year-old males can get full coverage on a family policy for an average of $3,011 per year. A separate policy for the same teenager would cost $5,905 annually, which is almost twice as much as the family rate.

Families can find cheap car insurance for teens by comparing offers and taking advantage of student-specific discounts.

Cheapest Car Insurance in Phoenix for Military Drivers

MoneyGeek’s research shows that the cheapest full coverage car insurance providers for drivers with military backgrounds in Phoenix are:

  • USAA: $755 per year
  • Travelers: $773 per year

If you're looking for minimum coverage, USAA and Travelers again offer the lowest rates at roughly $251 and $358 per year, respectively.

Company
Annual Premium
Monthly Premium

USAA

$251

$21

USAA

$253

$21

USAA

$296

$25

Travelers

$358

$30

Mercury

$367

$31

Mercury

$379

$32

Travelers

$384

$32

Travelers

$401

$33

Country Financial

$463

$39

Country Financial

$470

$39

Root Insurance Company

$498

$42

Root Insurance Company

$501

$42

Auto-Owners Insurance Co

$504

$42

Auto-Owners Insurance Co

$517

$43

State Farm

$521

$43

Mercury

$526

$44

Root Insurance Company

$538

$45

State Farm

$553

$46

Hartford

$564

$47

Progressive

$568

$47

Progressive

$569

$47

GEICO

$596

$50

GEICO

$631

$53

Hartford

$639

$53

Allstate

$644

$54

Iowa Farm Bureau

$653

$54

Country Financial

$653

$54

Farmers

$663

$55

Progressive

$669

$56

State Farm

$674

$56

Farmers

$690

$57

Auto-Owners Insurance Co

$703

$59

Iowa Farm Bureau

$704

$59

USAA

$716

$60

Nationwide

$718

$60

GEICO

$724

$60

Allstate

$738

$61

Allstate

$748

$62

USAA

$755

$63

Nationwide

$756

$63

Travelers

$764

$64

Travelers

$773

$64

Root Insurance Company

$787

$66

Root Insurance Company

$789

$66

Farmers

$811

$68

CSAA

$834

$69

Root Insurance Company

$851

$71

Iowa Farm Bureau

$852

$71

Hartford

$857

$71

USAA

$908

$76

Travelers

$917

$76

Nationwide

$953

$79

CSAA

$983

$82

Hartford

$1,019

$85

State Farm

$1,026

$86

GEICO

$1,029

$86

GEICO

$1,034

$86

Auto-Owners Insurance Co

$1,053

$88

Progressive

$1,061

$88

Auto-Owners Insurance Co

$1,098

$91

Mercury

$1,105

$92

State Farm

$1,111

$93

Progressive

$1,111

$93

CSAA

$1,123

$94

Hartford

$1,130

$94

Mercury

$1,156

$96

Iowa Farm Bureau

$1,181

$98

Allstate

$1,194

$99

Farmers

$1,227

$102

Farmers

$1,262

$105

GEICO

$1,273

$106

Iowa Farm Bureau

$1,273

$106

Allstate

$1,313

$109

Allstate

$1,368

$114

Progressive

$1,395

$116

State Farm

$1,407

$117

Country Financial

$1,430

$119

CSAA

$1,481

$123

Nationwide

$1,493

$124

Iowa Farm Bureau

$1,501

$125

Auto-Owners Insurance Co

$1,506

$126

Farmers

$1,522

$127

Hartford

$1,602

$133

Country Financial

$1,603

$134

Mercury

$1,639

$137

The General

$1,684

$140

Nationwide

$1,690

$141

CSAA

$1,737

$145

The General

$1,892

$158

CSAA

$1,977

$165

Nationwide

$2,043

$170

Country Financial

$2,051

$171

The General

$2,523

$210

The General

$3,443

$287

The General

$3,591

$299

The General

$5,008

$417

How to Compare Cheap Phoenix Car Insurance Quotes Online

To find the most affordable car insurance premium, we recommend that you compare quotes from multiple providers. However, getting an online estimate from one provider can take 15 minutes or more and requires entering a significant amount of personal information.

If you want to get an estimate instantly, MoneyGeek's car insurance calculator can help. It can quickly provide you with a quote based on your age, driving history, vehicle and preferred coverage levels.

Auto Insurance Calculator

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USAA

Cheapest Car Insurance in Phoenix for Young Adults

MoneyGeek’s study shows that the cheapest car insurance for young adults in Phoenix are:

  • Root: $787 per year
  • Travelers: $917 per year

At $5,008 per year, The General, a company that focuses on insuring high-risk drivers, has the most expensive car insurance for young adults in the city.

Car insurance rates for young adults are usually higher than those for older drivers. In Phoenix, drivers who are in their 20s pay approximately $373 more for full coverage auto insurance than those in their 40s.

Company
Annual Premium
Monthly Premium

Travelers

$358

$30

Mercury

$367

$31

Mercury

$379

$32

Travelers

$384

$32

Travelers

$401

$33

Country Financial

$463

$39

Country Financial

$470

$39

Root Insurance Company

$498

$42

Root Insurance Company

$501

$42

Auto-Owners Insurance Co

$504

$42

Auto-Owners Insurance Co

$517

$43

State Farm

$521

$43

Mercury

$526

$44

Root Insurance Company

$538

$45

State Farm

$553

$46

Hartford

$564

$47

Progressive

$568

$47

Progressive

$569

$47

GEICO

$596

$50

GEICO

$631

$53

Hartford

$639

$53

Allstate

$644

$54

Iowa Farm Bureau

$653

$54

Country Financial

$653

$54

Farmers

$663

$55

Progressive

$669

$56

State Farm

$674

$56

Farmers

$690

$57

Auto-Owners Insurance Co

$703

$59

Iowa Farm Bureau

$704

$59

Nationwide

$718

$60

GEICO

$724

$60

Allstate

$738

$61

Allstate

$748

$62

Nationwide

$756

$63

Travelers

$764

$64

Travelers

$773

$64

Root Insurance Company

$787

$66

Root Insurance Company

$789

$66

Farmers

$811

$68

CSAA

$834

$69

Root Insurance Company

$851

$71

Iowa Farm Bureau

$852

$71

Hartford

$857

$71

Travelers

$917

$76

Nationwide

$953

$79

CSAA

$983

$82

Hartford

$1,019

$85

State Farm

$1,026

$86

GEICO

$1,029

$86

GEICO

$1,034

$86

Auto-Owners Insurance Co

$1,053

$88

Progressive

$1,061

$88

Auto-Owners Insurance Co

$1,098

$91

Mercury

$1,105

$92

State Farm

$1,111

$93

Progressive

$1,111

$93

CSAA

$1,123

$94

Hartford

$1,130

$94

Mercury

$1,156

$96

Iowa Farm Bureau

$1,181

$98

Allstate

$1,194

$99

Farmers

$1,227

$102

Farmers

$1,262

$105

GEICO

$1,273

$106

Iowa Farm Bureau

$1,273

$106

Allstate

$1,313

$109

Allstate

$1,368

$114

Progressive

$1,395

$116

State Farm

$1,407

$117

Country Financial

$1,430

$119

CSAA

$1,481

$123

Nationwide

$1,493

$124

Iowa Farm Bureau

$1,501

$125

Auto-Owners Insurance Co

$1,506

$126

Farmers

$1,522

$127

Hartford

$1,602

$133

Country Financial

$1,603

$134

Mercury

$1,639

$137

The General

$1,684

$140

Nationwide

$1,690

$141

CSAA

$1,737

$145

The General

$1,892

$158

CSAA

$1,977

$165

Nationwide

$2,043

$170

Country Financial

$2,051

$171

The General

$2,523

$210

The General

$3,443

$287

The General

$3,591

$299

The General

$5,008

$417

Cheapest Car Insurance in Phoenix for Seniors

The most affordable car insurance providers for seniors in Phoenix are:

  • Travelers: $764 per year
  • Root: $851 per year

High-risk insurer The General has an annual premium for seniors looking for full coverage insurance that is $3,591, making it the most expensive choice in the city.

MoneyGeek found car insurance rates for older drivers are slightly more affordable than those for middle-aged drivers in Phoenix, which isn't common nationwide. In Phoenix, a 40-year-old driver pays an average of $1,360 per year, whereas a 65-year-old motorist pays around $1,309 per year. This is a $51 difference.

Company
Annual Premium
Monthly Premium

Travelers

$358

$30

Mercury

$367

$31

Mercury

$379

$32

Travelers

$384

$32

Travelers

$401

$33

Country Financial

$463

$39

Country Financial

$470

$39

Root Insurance Company

$498

$42

Root Insurance Company

$501

$42

Auto-Owners Insurance Co

$504

$42

Auto-Owners Insurance Co

$517

$43

State Farm

$521

$43

Mercury

$526

$44

Root Insurance Company

$538

$45

State Farm

$553

$46

Hartford

$564

$47

Progressive

$568

$47

Progressive

$569

$47

GEICO

$596

$50

GEICO

$631

$53

Hartford

$639

$53

Allstate

$644

$54

Iowa Farm Bureau

$653

$54

Country Financial

$653

$54

Farmers

$663

$55

Progressive

$669

$56

State Farm

$674

$56

Farmers

$690

$57

Auto-Owners Insurance Co

$703

$59

Iowa Farm Bureau

$704

$59

Nationwide

$718

$60

GEICO

$724

$60

Allstate

$738

$61

Allstate

$748

$62

Nationwide

$756

$63

Travelers

$764

$64

Travelers

$773

$64

Root Insurance Company

$787

$66

Root Insurance Company

$789

$66

Farmers

$811

$68

CSAA

$834

$69

Root Insurance Company

$851

$71

Iowa Farm Bureau

$852

$71

Hartford

$857

$71

Travelers

$917

$76

Nationwide

$953

$79

CSAA

$983

$82

Hartford

$1,019

$85

State Farm

$1,026

$86

GEICO

$1,029

$86

GEICO

$1,034

$86

Auto-Owners Insurance Co

$1,053

$88

Progressive

$1,061

$88

Auto-Owners Insurance Co

$1,098

$91

Mercury

$1,105

$92

State Farm

$1,111

$93

Progressive

$1,111

$93

CSAA

$1,123

$94

Hartford

$1,130

$94

Mercury

$1,156

$96

Iowa Farm Bureau

$1,181

$98

Allstate

$1,194

$99

Farmers

$1,227

$102

Farmers

$1,262

$105

GEICO

$1,273

$106

Iowa Farm Bureau

$1,273

$106

Allstate

$1,313

$109

Allstate

$1,368

$114

Progressive

$1,395

$116

State Farm

$1,407

$117

Country Financial

$1,430

$119

CSAA

$1,481

$123

Nationwide

$1,493

$124

Iowa Farm Bureau

$1,501

$125

Auto-Owners Insurance Co

$1,506

$126

Farmers

$1,522

$127

Hartford

$1,602

$133

Country Financial

$1,603

$134

Mercury

$1,639

$137

The General

$1,684

$140

Nationwide

$1,690

$141

CSAA

$1,737

$145

The General

$1,892

$158

CSAA

$1,977

$165

Nationwide

$2,043

$170

Country Financial

$2,051

$171

The General

$2,523

$210

The General

$3,443

$287

The General

$3,591

$299

The General

$5,008

$417

Cheapest Car Insurance in Phoenix for Poor Credit

If you have a poor credit score, you can find affordable full coverage car insurance in Phoenix from:

  • Root: $1,006 per year
  • Travelers: $1,069 per year

At roughly $15,107 per year, CSAA has the highest annual rate for drivers with bad credit.

In Phoenix, drivers who have low credit scores usually pay about 139% extra for their auto insurance compared to those with good credit. This means they may have to pay an additional $1,888 annually. You can still find cheap auto insurance despite having bad credit.

Company
Annual Premium
Monthly Premium

Travelers

$483

$40

Mercury

$505

$42

Travelers

$513

$43

Mercury

$520

$43

Travelers

$530

$44

Root Insurance Company

$633

$53

Root Insurance Company

$637

$53

Root Insurance Company

$684

$57

Mercury

$729

$61

Country Financial

$782

$65

Country Financial

$795

$66

Progressive

$823

$69

Progressive

$834

$69

Nationwide

$864

$72

GEICO

$891

$74

Nationwide

$910

$76

GEICO

$946

$79

Farmers

$964

$80

Progressive

$982

$82

Farmers

$1,004

$84

Root Insurance Company

$1,005

$84

Root Insurance Company

$1,006

$84

Travelers

$1,069

$89

Allstate

$1,071

$89

Travelers

$1,086

$90

Root Insurance Company

$1,086

$90

Hartford

$1,093

$91

GEICO

$1,095

$91

Country Financial

$1,107

$92

Hartford

$1,117

$93

Iowa Farm Bureau

$1,149

$96

Nationwide

$1,149

$96

Farmers

$1,179

$98

Allstate

$1,229

$102

Iowa Farm Bureau

$1,239

$103

Allstate

$1,243

$104

Travelers

$1,257

$105

Iowa Farm Bureau

$1,485

$124

Hartford

$1,499

$125

Auto-Owners Insurance Co

$1,575

$131

GEICO

$1,583

$132

GEICO

$1,591

$133

Mercury

$1,592

$133

Auto-Owners Insurance Co

$1,617

$135

Mercury

$1,673

$139

Progressive

$1,720

$143

Progressive

$1,802

$150

Nationwide

$1,901

$158

Hartford

$1,921

$160

Farmers

$1,940

$162

GEICO

$1,972

$164

Farmers

$1,982

$165

Allstate

$2,048

$171

Iowa Farm Bureau

$2,109

$176

Hartford

$2,139

$178

Nationwide

$2,173

$181

Country Financial

$2,173

$181

The General

$2,192

$183

Auto-Owners Insurance Co

$2,194

$183

Allstate

$2,242

$187

State Farm

$2,272

$189

Iowa Farm Bureau

$2,273

$189

Progressive

$2,291

$191

Allstate

$2,349

$196

Mercury

$2,372

$198

Farmers

$2,391

$199

Country Financial

$2,401

$200

State Farm

$2,414

$201

The General

$2,463

$205

Nationwide

$2,627

$219

Iowa Farm Bureau

$2,654

$221

State Farm

$2,942

$245

Hartford

$3,021

$252

Auto-Owners Insurance Co

$3,088

$257

Country Financial

$3,143

$262

Auto-Owners Insurance Co

$3,219

$268

The General

$3,281

$273

Auto-Owners Insurance Co

$4,400

$367

The General

$4,644

$387

The General

$4,821

$402

State Farm

$5,181

$432

State Farm

$5,606

$467

CSAA

$6,729

$561

The General

$6,741

$562

State Farm

$7,239

$603

CSAA

$8,273

$689

CSAA

$9,721

$810

CSAA

$12,577

$1,048

CSAA

$15,107

$1,259

CSAA

$17,574

$1,464

If you have poor credit, insurers may consider you more prone to filing claims, which leads to higher insurance rates.

You can use different methods to lower your insurance costs, such as taking advantage of discounts and comparing quotes from different providers. Additionally, improving your credit score can also eventually decrease your premium.

Cheapest Car Insurance in Phoenix for Sports Cars

In Phoenix, you can find cheap car insurance for sports cars from:

  • Travelers: $777 per year
  • GEICO: $1,078 per year

The General has the highest average annual rate of $4,141.

The car you drive can have a significant impact on your insurance costs. Generally, Phoenix drivers with regular cars pay $1,360 per year for full coverage auto insurance. However, if you own a Mustang, your premium rises by around 16% (or $220) to $1,580 per year.

Company
Annual Premium
Monthly Premium

Travelers

$323

$27

Travelers

$345

$29

Travelers

$360

$30

GEICO

$487

$41

Auto-Owners Insurance Co

$504

$42

GEICO

$514

$43

Auto-Owners Insurance Co

$517

$43

Farmers

$521

$43

Farmers

$541

$45

Progressive

$543

$45

Progressive

$566

$47

State Farm

$573

$48

GEICO

$587

$49

State Farm

$608

$51

Farmers

$636

$53

Allstate

$650

$54

Progressive

$665

$55

Auto-Owners Insurance Co

$703

$59

Nationwide

$740

$62

State Farm

$741

$62

Allstate

$745

$62

Allstate

$755

$63

Travelers

$759

$63

Travelers

$777

$65

Nationwide

$780

$65

Travelers

$925

$77

Nationwide

$983

$82

GEICO

$1,037

$86

Auto-Owners Insurance Co

$1,054

$88

GEICO

$1,078

$90

Farmers

$1,088

$91

Auto-Owners Insurance Co

$1,095

$91

Farmers

$1,144

$95

Progressive

$1,188

$99

State Farm

$1,234

$103

GEICO

$1,335

$111

State Farm

$1,336

$111

Farmers

$1,376

$115

Progressive

$1,382

$115

Allstate

$1,397

$116

Auto-Owners Insurance Co

$1,506

$126

Allstate

$1,510

$126

Allstate

$1,603

$134

Nationwide

$1,641

$137

State Farm

$1,711

$143

The General

$1,742

$145

Progressive

$1,774

$148

Nationwide

$1,869

$156

The General

$1,959

$163

Nationwide

$2,259

$188

The General

$2,614

$218

The General

$4,141

$345

The General

$4,223

$352

The General

$5,968

$497

By researching quotes for a Ford Mustang, MoneyGeek examined how driving a sports car may affect car insurance rates. Premiums may differ depending on the specific vehicle model.

As with other cities, Phoenix's insurance rates are usually higher for luxury cars, electric cars and sports cars.

Average Cost of Car Insurance in Phoenix

On average, car insurance in Phoenix costs approximately $1,360 per year for a full coverage policy with bodily injury liability limits of $100,000 per person and $300,000 per accident and $100,000 in property damage liability per accident.

Car insurance prices may change based on factors like location. Full coverage car insurance in Phoenix is about $167 higher than the average cost of car insurance in Arizona and $95 more expensive than the national average.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Tucson

$1,087

$523

Surprise

$1,105

$533

Chandler

$1,134

$569

Scottsdale

$1,149

$568

Gilbert

$1,162

$581

Mesa

$1,172

$583

Tempe

$1,214

$606

Peoria

$1,216

$605

Glendale

$1,300

$648

Phoenix

$1,360

$667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.