Cheapest Car Insurance Companies in Phoenix, AZ (2023 Rates)

MoneyGeek’s 2023 analysis of quotes shows that Travelers stands out as the cheapest option for minimum coverage car insurance in Phoenix, AZ, at approximately $358 per year.

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.

CheapestCar InsurancePhoenix

2023

Cheapest Car Insurance in Phoenix, AZ

Cheapest Overall - Travelers

Cheapest Full Coverage - Travelers

Cheapest After Offense - Root Insurance

Cheapest for Teens - Travelers

Cheapest for Military - USAA

Cheapest for Young Adults - Root Insurance

Cheapest for Seniors - Travelers

Cheapest for Poor Credit - Root Insurance

Cheapest for Sports Cars - Travelers

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.

Age Group

Coverage

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

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.

Age Group

Coverage

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.

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.

Age Group

Coverage

Incident

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.

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.

Age

Gender

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.

Age Group

Coverage

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

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Arizona

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$395

2.GEICO

$413

3.CSAA

$516

4.Country Financial

$574

5.Hartford

$576

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

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 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.

Cheapest Car Insurance Companies in Phoenix, AZ (2023 Rates)

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On This Page:

Cheapest Minimum Coverage Car Insurance in Phoenix

Compare Auto Insurance Rates

Cheapest Full Coverage Car Insurance in Phoenix

Cheapest Car Insurance in Phoenix After a Driving Offense

Cheapest Car Insurance in Phoenix for Teens and Their Families

Cheapest Car Insurance in Phoenix for Military Drivers

How to Compare Cheap Phoenix Car Insurance Quotes Online

Cheapest Car Insurance in Phoenix for Young Adults

Cheapest Car Insurance in Phoenix for Seniors

Cheapest Car Insurance in Phoenix for Poor Credit

Cheapest Car Insurance in Phoenix for Sports Cars

Average Cost of Car Insurance in Phoenix