Cheapest Auto Insurance in Phoenix, Arizona (2024)
Phoenix drivers can find the cheapest coverage from Auto-Owners, with minimum-coverage policies as low as $56 per month.
Excellent
)
Written byChoncé Maddox
)
7+ years writing insurance and personal finance content
Certified financial education instructor (CFEI)
Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.
Featured in
){kind=small}
){kind=small}
)
Edited byChris Schafer
)
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
){kind=small}
){kind=small}
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
Data reviewed byKonstantin Halachev
)
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Car insurance in Phoenix, Arizona’s largest city, averages $199 per month for full coverage and $116 for liability-only insurance. But Phoenix drivers with good motor vehicle records may be able to find cheaper rates with companies like Auto-Owners and Mile Auto.
Finding the cheapest car insurance options in Phoenix for you will depend on your personal situation and your preferences for insurance coverage. Here’s what you should know about comparing quotes and finding the right policy to fit your needs in Phoenix.
Quick Facts
The overall average car insurance rate in Phoenix is $166, which is higher than in several other large cities in Arizona, as well as the state overall average of $136.
Phoenix’s population density is likely a factor in car insurance rates — it’s the most populous city in Arizona, with more than 1.6 million residents.
Teen drivers pay the most for car insurance in Phoenix, at an average monthly rate of $242 for liability coverage.
3 of the cheapest car insurance companies in Phoenix
Finding the cheapest car insurance in Phoenix isn’t a one-size-fits-all solution. It’s important to consider your individual driver profile and coverage needs, as well as your budget.
Here, you’ll find an overview of some of the cheapest insurance options in the area based on different circumstances and needs, including liability-only coverage, and rating factors that include your driving record, credit standing, claims history, and age.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Hugo | 7.0 | $55 | $48 | On-demand coverage |
| Auto-Owners | 8.5 | $77 | $46 | Liability-only coverage |
| State Farm | 9.3 | $95 | $57 | Young drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for on-demand coverage: Hugo
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $174/mo |
4.1
Best choiceBased on 121 verified guest reviews and ratings
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
How drivers feel about Hugo
Drivers appreciate the excellent prices, flexible payment options, and helpful customer service but dislike the lack of full coverage and difficulty reaching support.
AI-generated from the text of verified reviews collected by Insurify
Best For
Micropayments
No down payments
Fast coverage
Reviews (45)
Javier
November 12, 2024
Verified Purchase
Hugo Insurance is the Best
Hugo was wonderful. We paid for car insurance at a good, low price. It was exactly what we needed to look into. Due to our income, paying for two vehicles for less than $100 is an awesome price. Thank you, Hugo. I recommend others to try it out.
Gabrielle
November 2, 2024
Verified Review
Good
The price is amazing.
Dawn
October 21, 2024
Verified Review
Paying Too Much
It's pretty expensive and they don't really provide much coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Hugo is an insuretech start-up that offers on-demand car insurance in 13 states, including Arizona. The company uses artificial intelligence to quickly underwrite polices and process claims. Policyholders can stop or start coverage at any time, so you only pay for the days of coverage you need. Hugo sells policies for as short as three days of coverage. And there are no up-front fees or down payments.
Pros
Flexible, short-term coverage options available
Perfect for people who work from home or drive infrequently
Cons
Coverage available in only 13 states
Policy bundling not available
Best insurer for liability-only coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $56/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $94/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners serves nearly 3 million policyholders in 26 states. The company launched in 1916 and today sells car, home, life, and commercial insurance policies. AM Best gives Auto-Owners superior financial strength and credit ratings, and the company receives significantly fewer customer complaints than the industry average, according to the National Association of Insurance Commissioners Complaint Index. J.D. Power also ranks the insurer highly for claims satisfaction. Auto-Owners offers several discounts, including for having multiple policies, choosing paperless billing, and paying in full.
Pros
Excellent customer service
Variety of insurance products to bundle with
Cons
Not available in every state
Best insurer for young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has affordable coverage options for teen Arizona drivers. While teens pay higher car insurance rates, State Farm provides more affordable options than other insurers. State Farm also offers a Steer Clear driving program for drivers younger than 25, which can help save as much as 15% upon program completion. Students with good grades may also qualify for a discount.
Pros
Good driver discount
Multiple savings options
Cons
Gap coverage and accident forgiveness not available
Steer Clear Driving Program has an age limit
How to get the cheapest car insurance in Phoenix
Finding the cheapest car insurance in Phoenix depends on several factors, including your driving history, age, credit-based insurance score, ZIP code, and coverage needs. While many of these factors are outside of your control, you can do some things to help lower your car insurance costs, including:
Maintain a clean driving record. Practice safe driving and try to avoid moving violations and speeding tickets so you can qualify for better car insurance rates.
Improve your credit score. Car insurance companies in Arizona may look at your credit history to create a credit-based insurance score that helps them determine the likelihood that you’ll file an insurance claim. Having a higher credit score makes you more appealing to insurers, and you could be rewarded with lower rates. It’s also important to note that insurers in Arizona can’t use medical collections or an outdated bankruptcy or lien (older than seven years) when determining your insurance score.
Ask about discounts. Insurers offer various discounts to help you save on premiums. Some of those discounts include bundling car insurance with renters or homeowners insurance, driving a vehicle with certain safety features, remaining accident-free, and completing a driver safety course. Some insurers may not offer certain discounts in every state, so be specific when asking what discounts you may be eligible for.
Shop around. Be sure to shop around and gather quotes from at least three different insurers to make sure you’re getting the best rate. Each insurer has its own guidelines for calculating rates, and shopping around allows you to compare all the best options side by side.
Find Cheap Car Insurance in Phoenix, Arizona
Liability rates start at $56 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Phoenix: Auto-Owners
Liability-only car insurance covers damage to the other driver’s vehicle and their medical expenses after an accident. Liability insurance won’t cover any of your damages, so it’s often the cheaper coverage option.
You may consider liability coverage if you’re looking for the most basic coverage or you drive a car that’s already paid off. If you can afford to pay out of pocket for damage sustained by your vehicle, liability insurance may make sense.
The average cost of liability-only policies in Phoenix is $116. Here are some of the cheapest liability-only car insurance rates in Phoenix.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $56 |
| Mile Auto | $62 |
| State Farm | $70 |
| GEICO | $71 |
| USAA | $77 |
| Metromile | $93 |
| Root | $95 |
| Sun Coast | $98 |
| National General | $103 |
| Allstate | $116 |
| Travelers | $120 |
| Progressive | $121 |
| Mercury | $123 |
| Safeco | $126 |
| Dairyland | $129 |
| Direct Auto | $133 |
| American Family | $135 |
| COUNTRY Financial | $135 |
| Clearcover | $138 |
| The Hartford | $139 |
| Farmers | $140 |
| The General | $143 |
| Bristol West | $156 |
| Nationwide | $156 |
| GAINSCO | $157 |
| Commonwealth Casualty | $195 |
| AssuranceAmerica | $198 |
| Liberty Mutual | $206 |
| Foremost | $258 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Phoenix: Auto-Owners
Full-coverage insurance includes liability coverage, but it also covers damage to your vehicle and any medical expenses resulting from an accident. Full coverage typically costs more than liability due to this added protection.
If you have a car loan or lease, your lender will require you to carry full coverage until your loan is paid off. Even if you don’t have a car loan, full coverage may be a good idea since repairs can be expensive if your car gets damaged. With adequate insurance coverage, you’ll only need to pay your collision and comprehensive deductible, then insurance will pay (up to your coverage limit) to cover the damages.
On average, Phoenix drivers pay $216 per month for full coverage. Auto-Owners offers the cheapest full-coverage car insurance in Phoenix. Here are some other insurers that offer competitive rates in Phoenix.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $94 |
| Mile Auto | $107 |
| State Farm | $116 |
| GEICO | $120 |
| USAA | $129 |
| Root | $149 |
| Metromile | $155 |
| Safeco | $186 |
| Allstate | $193 |
| Sun Coast | $193 |
| Travelers | $200 |
| Mercury | $211 |
| Progressive | $216 |
| COUNTRY Financial | $226 |
| American Family | $228 |
| Clearcover | $232 |
| The Hartford | $233 |
| Farmers | $236 |
| National General | $242 |
| Nationwide | $262 |
| Direct Auto | $287 |
| Bristol West | $304 |
| Liberty Mutual | $311 |
| Dairyland | $327 |
| The General | $331 |
| AssuranceAmerica | $350 |
| GAINSCO | $364 |
| Foremost | $467 |
| Commonwealth Casualty | $476 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Phoenix, Arizona
Recent Phoenix, Arizona car insurance prices for Buick, Honda, BMW , and more.
*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Phoenix, Arizona within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Most states, including Arizona, require you to have liability or minimum car insurance coverage. Arizona is also an at-fault state, meaning the insurance company of the driver who causes the accident must pay for any associated damages. Finally, you’re also required to carry bodily injury and property damage insurance coverage.
Below are the minimum coverage requirements in Arizona.
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Depending on your needs and situation, you may want to consider getting optional insurance coverage as well, including:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage can pay for damage to your car or injuries to you or your passengers if you get into an accident with someone who drives without car insurance or who has too little car insurance to cover your damages.
Comprehensive coverage
Comprehensive coverage can pay for damage to your car from something other than an accident. For example, comprehensive can pay for theft, vandalism, fire, or storm damage to your car.
Collision coverage
While liability coverage can pay for damage to another vehicle from an accident you cause, collision can cover the cost to repair or replace your vehicle – no matter who’s at fault for the accident. Collision can also cover damages from your vehicle hitting an object such as a tree, fence, or light pole, and from rollover accidents.
Accident forgiveness
An add-on to your policy, accident forgiveness can help keep your rates down after an at-fault accident. You typically need to have a good driving history and no recent at-fault accidents to be eligible for this coverage.
Roadside assistance
You can typically buy this optional plan through an insurer or other company. Roadside assistance coverage pays to send you professional help for mechanical issues like dead batteries or flat tires.
“The lowest-priced policy may not offer the best coverage,” says Anthony Verreos, strategic insurance advisor at Real Estate Bees. “Uninsured and underinsured motorists liability coverage is sometimes very expensive, but this is what a driver would need in order to collect if they became the victim of someone else who had no coverage or not enough to pay your medical damages for years.”
Cheapest car insurance for drivers with an incident
Your driving record directly affects your car insurance rates. When infractions like speeding tickets, DUIs, and at-fault accidents are on your record, this can increase your car insurance rates for three to five years because the insurance company now sees you as a high-risk driver.
In Phoenix, rates increase by about 30% for insurance companies like Hugo, State Farm, and Auto-Owners when you have an at-fault accident on your record. The overall average cost of car insurance for drivers with traffic violations is $210 per month in Phoenix.
Find Car Insurance in Phoenix
Monthly full-coverage rates start at $94
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
If you’re assessed a speeding citation, this can also appear on your driving record and cause your car insurance rates to increase. Phoenix drivers with a speeding ticket have an overall average monthly cost of $229 compared to $166 for drivers with a clean record.
Here are some average monthly quotes for insurers in Phoenix when you have a speeding ticket on your record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $56 | $73 |
| Mile Auto | $62 | $80 |
| State Farm | $70 | $89 |
| GEICO | $71 | $91 |
| USAA | $77 | $99 |
| Metromile | $93 | $127 |
| Root | $95 | $131 |
| Sun Coast | $98 | $135 |
| National General | $103 | $133 |
| Allstate | $116 | $149 |
| Travelers | $120 | $156 |
| Progressive | $121 | $155 |
| Mercury | $123 | $170 |
| Safeco | $126 | $164 |
| Dairyland | $129 | $166 |
| Direct Auto | $133 | $171 |
| American Family | $135 | $174 |
| COUNTRY Financial | $135 | $179 |
| Clearcover | $138 | $179 |
| The Hartford | $139 | $198 |
| Farmers | $140 | $179 |
| The General | $143 | $187 |
| Bristol West | $156 | $202 |
| Nationwide | $156 | $203 |
| GAINSCO | $157 | $217 |
| Commonwealth Casualty | $195 | $270 |
| AssuranceAmerica | $198 | $254 |
| Liberty Mutual | $206 | $285 |
| Foremost | $258 | $357 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Insurance comes in handy when a car accident occurs, but getting into an accident can also increase your insurance rates going forward. A car accident typically stays on your record for three to five years. But if you’ve previously had a good driving record, purchasing accident forgiveness ahead of time could help hold your rates down after an accident.
Phoenix drivers with an at-fault accident on their record pay an average of $303 per month for full coverage and $163 for liability-only car insurance. Here are some average monthly quotes for insurers in Phoenix when you have an at-fault accident on your driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $56 | $75 |
| Mile Auto | $62 | $85 |
| State Farm | $70 | $93 |
| GEICO | $71 | $95 |
| USAA | $77 | $103 |
| Metromile | $93 | $131 |
| Root | $95 | $136 |
| Sun Coast | $98 | $138 |
| National General | $103 | $138 |
| Allstate | $116 | $155 |
| Travelers | $120 | $162 |
| Progressive | $121 | $163 |
| Mercury | $123 | $176 |
| Safeco | $126 | $167 |
| Dairyland | $129 | $171 |
| Direct Auto | $133 | $182 |
| American Family | $135 | $181 |
| COUNTRY Financial | $135 | $188 |
| Clearcover | $138 | $199 |
| The Hartford | $139 | $206 |
| Farmers | $140 | $187 |
| The General | $143 | $195 |
| Bristol West | $156 | $208 |
| Nationwide | $156 | $211 |
| GAINSCO | $157 | $201 |
| Commonwealth Casualty | $195 | $255 |
| AssuranceAmerica | $198 | $259 |
| Liberty Mutual | $206 | $294 |
| Foremost | $258 | $368 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence of alcohol is a serious offense that’ll often result in your car insurance rates increasing significantly, as this raises a red flag to insurance companies. A DUI can stay on your driving record indefinitely in Arizona.
In Phoenix, rates almost double when you have a DUI on your record. The average cost of full coverage and liability-only policies per month in Phoenix after a DUI climb to $346 and $186, respectively. Here are some of the cheapest car insurance rates for drivers with a DUI in Phoenix.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $56 | $91 |
| Mile Auto | $62 | $101 |
| State Farm | $70 | $114 |
| GEICO | $71 | $115 |
| USAA | $77 | $125 |
| Metromile | $93 | $151 |
| Root | $95 | $138 |
| Sun Coast | $98 | $157 |
| National General | $103 | $167 |
| Allstate | $116 | $189 |
| Travelers | $120 | $195 |
| Progressive | $121 | $197 |
| Mercury | $123 | $185 |
| Safeco | $126 | $190 |
| Dairyland | $129 | $210 |
| Direct Auto | $133 | $216 |
| American Family | $135 | $220 |
| COUNTRY Financial | $135 | $220 |
| Clearcover | $138 | $224 |
| The Hartford | $139 | $208 |
| Farmers | $140 | $228 |
| The General | $143 | $233 |
| Bristol West | $156 | $254 |
| Nationwide | $156 | $254 |
| GAINSCO | $157 | $255 |
| Commonwealth Casualty | $195 | $317 |
| AssuranceAmerica | $198 | $322 |
| Liberty Mutual | $206 | $335 |
| Foremost | $258 | $420 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: How Long Does a DUI Stay On Your Record?
Cheapest car insurance for seniors: Auto-Owners
While car insurance rates tend to go down once you turn 25, they may rise again as you enter your 70s. Insurance companies see older drivers and teens as riskier to insure since they tend to get in more accidents.[1] But this isn’t always the case for seniors, especially if you keep a clean driving record. Overall, older drivers have the lowest car insurance rates of any age group, even considering the rise in rates after age 70.
Some insurers may also offer discounts to senior drivers as well.[2] They may also offer discounts for driving fewer miles during the year.
On average, senior drivers in Phoenix pay $161 per month for full coverage and $87 for liability only. Here are insurers with the cheapest insurance quotes for Phoenix seniors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $71 | $42 |
| Mile Auto | $77 | $44 |
| State Farm | $85 | $52 |
| GEICO | $91 | $54 |
| USAA | $98 | $58 |
| Root | $119 | $76 |
| Metromile | $120 | $72 |
| Sun Coast | $144 | $73 |
| Allstate | $147 | $88 |
| Progressive | $147 | $83 |
| Travelers | $149 | $89 |
| Safeco | $151 | $103 |
| The Hartford | $157 | $94 |
| Mercury | $158 | $92 |
| American Family | $170 | $101 |
| COUNTRY Financial | $173 | $103 |
| Farmers | $175 | $104 |
| National General | $175 | $75 |
| Nationwide | $185 | $110 |
| Clearcover | $190 | $113 |
| Direct Auto | $212 | $98 |
| Bristol West | $232 | $119 |
| Dairyland | $248 | $98 |
| Liberty Mutual | $249 | $165 |
| AssuranceAmerica | $251 | $142 |
| The General | $255 | $110 |
| GAINSCO | $291 | $125 |
| Foremost | $355 | $196 |
| Commonwealth Casualty | $361 | $148 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Young drivers have less experience on the road and are a riskier age group for companies to insure. While teen drivers pay higher car insurance rates, they may also be able to save by utilizing discounts for good grades or completing a driver safety program. Discount opportunities vary by insurer, so it’s always best to shop around.
Young drivers may also be able to get a better rate by remaining on their parents’ insurance policy. In Phoenix, full coverage for a teen driver costs an average of $451 per month and $242 for liability only.
Here are some of the cheapest car insurance rates for teen drivers in Phoenix.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $176 | $105 |
| GEICO | $215 | $127 |
| State Farm | $222 | $134 |
| Mile Auto | $228 | $132 |
| USAA | $241 | $144 |
| Root | $251 | $160 |
| Metromile | $285 | $171 |
| COUNTRY Financial | $369 | $220 |
| Allstate | $382 | $229 |
| Safeco | $395 | $267 |
| Travelers | $401 | $241 |
| Sun Coast | $403 | $205 |
| Mercury | $415 | $242 |
| Progressive | $421 | $236 |
| American Family | $438 | $260 |
| Farmers | $459 | $272 |
| Clearcover | $472 | $281 |
| The Hartford | $486 | $290 |
| Nationwide | $509 | $303 |
| National General | $524 | $223 |
| Bristol West | $571 | $293 |
| Direct Auto | $581 | $269 |
| The General | $590 | $255 |
| Dairyland | $591 | $233 |
| Liberty Mutual | $595 | $394 |
| GAINSCO | $699 | $302 |
| AssuranceAmerica | $711 | $402 |
| Commonwealth Casualty | $916 | $375 |
| Foremost | $921 | $509 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Phoenix
Unlock savings and discounts by comparing rates today
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Phoenix car insurance quotes by credit tier
Arizona allows insurers to factor in your credit history when calculating insurance rates. Insurers will generate an insurance score that predicts the likelihood that you’ll file an insurance claim in the future.
Typically, the higher your credit score, the lower the rate you could qualify for. An excellent credit score range is anything above 720. But if you have a poor credit score, this doesn’t always mean you’ll receive a higher premium since insurers consider other factors when calculating premiums.
Here are some average monthly quotes for full-coverage car insurance in Phoenix based on your credit score tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Phoenix?
Car insurance rates in Phoenix vary from other cities in Arizona. While the overall average cost of insurance in Phoenix is $166, this is higher than the state average of $136.
Drivers in larger, high-traffic cities may pay higher car insurance rates, especially if the rate of accidents is increased. Another factor that could affect rates is the cost of vehicle repairs in a particular area.
More cities in Arizona
Here’s how average monthly car insurance quotes differ in other Arizona cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chandler | $177 | $95 |
| Glendale | $215 | $120 |
| Mesa | $181 | $101 |
| Scottsdale | $180 | $98 |
| Tempe | $196 | $105 |
| Tucson | $166 | $88 |
| Yuma | $144 | $78 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Phoenix car insurance FAQs
Looking for more information on car insurance options in Phoenix? You’ll find answers to some of the most commonly asked questions here.
How much is car insurance in Phoenix?
The average monthly cost of car insurance in Phoenix is $216 for full coverage and $116 for a liability-only policy, according to Insurify data.
Which company has the cheapest car insurance in Phoenix?
Auto-Owners has the cheapest car insurance rates in Phoenix, with monthly liability rates as low as $56. Mile Auto and State Farm also offer affordable coverage, with respective monthly liability rates of $62 and $70.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Phoenix?
State Farm, GEICO, and Auto-Owners are some of the top insurers in Phoenix. They have IQ Scores of 9.3, 9.0, and 8.5 out of 5, respectively. State Farm also boasts the industry’s top J.D. Power customer service ratings, and GEICO’s app is generally well received.[3] Hugo draws a lot of attention for its low rates, but its IQ Score is lower, at 7.0.
Why is car insurance so expensive in Phoenix?
Car insurance is higher in Phoenix than most other metro areas in Arizona. This can be due to several factors, including the increased potential for accidents and vehicle theft. It may also be due to higher costs associated with repairing a car in the area.
Is it illegal to drive in Arizona without insurance?
Yes. You must have car insurance to drive a vehicle in Arizona. If you’re a young driver, you may also find coverage under your parents’ auto policy, but coverage is still required.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Arizona
Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
- J.D. Power. "Auto Insurance Rate Hikes Erode Price Satisfaction, Drive Surge in Value Shopping, J.D. Power Finds."
)
Choncé Maddox
Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
)
)
)