Phoenix, AZ Auto Insurance (2023)
The average Phoenix, AZ auto insurance rates are $400 per month. The minimum auto insurance in Phoenix is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Phoenix, Arizona, compare quotes from multiple companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Nov 27, 2023
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
| Phoenix Statistics | Details |
|---|---|
| City Population | 1,615,041 |
| City Density | 3,401 people per square mile |
| Average Cost of Car Insurance in Phoenix | $5,433.92 |
| Cheapest Car Insurance Company | USAA |
| Road Conditions | Poor Share: 23% Mediocre Share: 29% Fair Share: 20% Good Share: 27% VOC: $550 |
- The minimum auto insurance required in Phoenix, Arizona is 15/30/10
- The most expensive auto insurance company in Phoenix for teen drivers is Farmers
- The cheapest auto insurance company in Phoenix is Geico
Phoenix, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Phoenix can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Phoenix, Arizona, including driving record, credit, commute time, and more.
Compare auto insurance in Phoenix to other Arizona cities, including Tucson auto insurance rates, Glendale auto insurance rates, and Peoria auto insurance rates to see how Phoenix, Arizona auto insurance rates stack up.
Before you buy Phoenix, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Phoenix, Arizona auto insurance quotes.
Minimum Auto Insurance in Phoenix, Arizona
Phoenix, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Phoenix, Arizona.
Minimum Required Auto Insurance Coverage in Phoenix, Arizona
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Phoenix, Arizona Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Phoenix, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Phoenix, Arizona
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,420 | $4,420 | $4,307 | $4,307 | $9,466 | $12,192 | $4,925 | $5,342 |
| American Family | $3,265 | $3,265 | $2,998 | $2,998 | $8,650 | $11,312 | $3,265 | $3,820 |
| Farmers | $3,489 | $3,491 | $3,093 | $3,300 | $15,434 | $16,048 | $3,945 | $4,072 |
| Geico | $1,945 | $2,172 | $1,659 | $2,135 | $5,623 | $5,896 | $1,765 | $1,722 |
| Nationwide | $3,055 | $3,109 | $2,723 | $2,888 | $7,706 | $9,890 | $3,542 | $3,835 |
| Progressive | $2,453 | $2,128 | $2,198 | $2,087 | $10,128 | $11,275 | $2,621 | $2,581 |
| State Farm | $3,770 | $3,770 | $3,338 | $3,338 | $11,885 | $14,940 | $4,058 | $5,134 |
| Travelers | $2,399 | $2,526 | $2,233 | $2,376 | $7,162 | $9,052 | $2,542 | $2,674 |
| USAA | $1,856 | $1,859 | $1,733 | $1,750 | $7,109 | $8,136 | $2,455 | $2,627 |
Cheap Phoenix, Arizona Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Phoenix, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Phoenix, Arizona.
Annual Auto Insurance Rates for Teen Drivers in Phoenix, Arizona
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,466 | $12,192 |
| American Family | $8,650 | $11,312 |
| Farmers | $15,434 | $16,048 |
| Geico | $5,623 | $5,896 |
| Nationwide | $7,706 | $9,890 |
| Progressive | $10,128 | $11,275 |
| State Farm | $11,885 | $14,940 |
| Travelers | $7,162 | $9,052 |
| USAA | $7,109 | $8,136 |
Cheap Phoenix, Arizona Auto Insurance for Seniors
What are senior auto insurance rates in Phoenix, Arizona? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Phoenix, Arizona
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,307 | $4,307 |
| American Family | $2,998 | $2,998 |
| Farmers | $3,093 | $3,300 |
| Geico | $1,659 | $2,135 |
| Nationwide | $2,723 | $2,888 |
| Progressive | $2,198 | $2,087 |
| State Farm | $3,338 | $3,338 |
| Travelers | $2,233 | $2,376 |
| USAA | $1,733 | $1,750 |
Cheap Phoenix, Arizona Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Phoenix, Arizona compared to the annual auto insurance rates with a clean record in Phoenix, Arizona.
Annual Phoenix, Arizona Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,944 | $6,261 | $7,084 | $6,399 |
| American Family | $3,525 | $5,384 | $6,786 | $4,091 |
| Farmers | $5,583 | $7,212 | $7,038 | $6,603 |
| Geico | $2,207 | $3,004 | $4,040 | $2,207 |
| Nationwide | $3,873 | $4,078 | $6,081 | $4,343 |
| Progressive | $3,903 | $5,165 | $4,122 | $4,545 |
| State Farm | $5,701 | $6,857 | $6,279 | $6,279 |
| Travelers | $3,087 | $4,033 | $4,509 | $3,853 |
| USAA | $2,498 | $3,590 | $4,732 | $2,942 |
Cheap Phoenix, Arizona Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Phoenix, Arizona is not easy. Compare the annual rates for DUI auto insurance in Phoenix, Arizona to find the best deal.
Annual Auto Insurance Rates After a DUI in Phoenix, Arizona
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,084 |
| American Family | $6,786 |
| Farmers | $7,038 |
| Geico | $4,040 |
| Nationwide | $6,081 |
| Progressive | $4,122 |
| State Farm | $6,279 |
| Travelers | $4,509 |
| USAA | $4,732 |
Cheap Phoenix, Arizona Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Phoenix, Arizona annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Phoenix, Arizona
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,873 | $5,618 | $5,025 |
| American Family | $6,214 | $4,632 | $3,993 |
| Farmers | $7,517 | $6,310 | $6,001 |
| Geico | $3,947 | $2,579 | $2,068 |
| Nationwide | $5,544 | $4,398 | $3,839 |
| Progressive | $4,950 | $4,319 | $4,033 |
| State Farm | $11,570 | $4,471 | $2,796 |
| Travelers | $4,715 | $3,840 | $3,057 |
| USAA | $4,522 | $3,164 | $2,635 |
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Cheap Phoenix, Arizona Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Phoenix, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Phoenix, Arizona to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Phoenix, Arizona
| ZIP Code | Average Annual Rates |
|---|---|
| 85003 | $4,961 |
| 85004 | $4,987 |
| 85006 | $5,050 |
| 85007 | $4,984 |
| 85008 | $4,786 |
| 85009 | $5,434 |
| 85012 | $4,990 |
| 85013 | $5,013 |
| 85014 | $4,812 |
| 85015 | $5,154 |
| 85016 | $4,711 |
| 85017 | $5,394 |
| 85018 | $4,616 |
| 85019 | $5,328 |
| 85020 | $4,826 |
| 85021 | $5,073 |
| 85022 | $4,550 |
| 85023 | $4,749 |
| 85024 | $4,490 |
| 85025 | $4,961 |
| 85026 | $4,738 |
| 85027 | $4,407 |
| 85028 | $4,477 |
| 85029 | $4,957 |
| 85031 | $5,298 |
| 85032 | $4,556 |
| 85033 | $5,180 |
| 85034 | $5,035 |
| 85035 | $5,186 |
| 85037 | $4,751 |
| 85039 | $4,501 |
| 85040 | $5,085 |
| 85041 | $5,070 |
| 85042 | $4,847 |
| 85043 | $4,999 |
| 85044 | $4,181 |
| 85045 | $4,204 |
| 85048 | $4,139 |
| 85050 | $4,346 |
| 85051 | $5,107 |
| 85053 | $4,687 |
| 85054 | $4,408 |
| 85065 | $4,677 |
| 85073 | $4,789 |
| 85083 | $4,285 |
| 85085 | $4,130 |
| 85086 | $4,054 |
| 85087 | $4,090 |
| 85097 | $4,460 |
Cheap Phoenix, Arizona Auto Insurance Rates By Commute
Data collected from the Federal Highway Administration reveals that licensed Arizona residents racked up an average of 12,829 miles on the road in 2014 alone. Even with this number, drivers in the Valley of the Sun actually spend less time in traffic than some of the other major cities across the United States.
Car insurance providers know that more time spent behind the wheel means an increased chance of a traffic incident. This is why our commute rate has an impact on what you will pay for car insurance. Take a look at the tables below to see how your commute in Phoenix might be impacting the price you are paying for car insurance.
Annual Auto Insurance Rates by Commute Length in Phoenix, Arizona
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,172 | $6,172 |
| American Family | $4,899 | $4,994 |
| Farmers | $6,609 | $6,609 |
| Geico | $2,816 | $2,914 |
| Nationwide | $4,594 | $4,594 |
| Progressive | $4,434 | $4,434 |
| State Farm | $6,117 | $6,441 |
| Travelers | $3,871 | $3,871 |
| USAA | $3,404 | $3,478 |
The differences in prices between commute rates may not seem like much in the Valley of the Sun, but stretching your dollar certainly does no matter where you live. This is why it is so important to know which companies can save you money based on which factors they are using to set your rates.
Cheap Phoenix, Arizona Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Phoenix, Arizona? Check out the comparison of annual Phoenix, Arizona auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Phoenix, Arizona
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,712 | $6,211 | $6,594 |
| American Family | $4,760 | $5,104 | $4,975 |
| Farmers | $5,542 | $6,683 | $7,602 |
| Geico | $2,360 | $2,911 | $3,322 |
| Nationwide | $4,360 | $4,648 | $4,773 |
| Progressive | $3,837 | $4,524 | $4,940 |
| State Farm | $5,615 | $6,406 | $6,816 |
| Travelers | $3,426 | $3,936 | $4,249 |
| USAA | $3,161 | $3,491 | $3,671 |
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Best By Category: Cheapest Auto Insurance in Phoenix, Arizona
Compare the cheapest auto insurance companies in Phoenix, Arizona in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Phoenix, Arizona
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | Geico |
| With 1 DUI | Geico |
| With 1 Speeding Violation | Geico |
The Cheapest Phoenix, Arizona Auto Insurance Companies
What auto insurance companies in Phoenix, Arizona are the cheapest? Compare the top Phoenix, Arizona auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Phoenix, Arizona
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,172 |
| American Family | $4,947 |
| Farmers | $6,609 |
| Geico | $2,865 |
| Nationwide | $4,594 |
| Progressive | $4,434 |
| State Farm | $6,279 |
| Travelers | $3,871 |
| USAA | $3,441 |
What affects auto insurance rates in Phoenix, Arizona?
There are a lot of reasons why auto insurance rates in Phoenix, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Phoenix, Arizona. Many local factors may affect your Phoenix auto insurance rates.
Phoenix Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Phoenix, Arizona auto theft statistics, there have been 7,815 auto thefts in the city.
Phoenix Commute Time
Data USA reports that the average commute time for Phoenix residents is around 25 minutes. This commute time is lower than the national average of approximately 26 minutes. It may not feel like it, though, when you’re stuck in traffic in the Spine Corridor.
Part of the reason why Phoenix suffers from congestion is that about 74 percent of its residents chose to drive alone each day according to Data USA.
More cars on the road mean increased traffic incidents which could translate into higher rates for some people. Comparing coverage and rates across a variety of car insurance providers could save you money, though.
Phoenix Traffic
Having the right amount of coverage can also help you out if you are ever involved in an accident. Given that Phoenix ranks 125th in the world, according to Inrix, the chances of being involved in a traffic incident are pretty significant.
Phoenix residents lose approximately 73 hours in traffic as well, according to Inrix, at a cost of $1,013 per driver.
Spending so much time in traffic increases your chance of an accident which could put the cost of your rates for insurance at risk. The loss of time and money to congestion-related costs is also another reason to get the best price for your car insurance policy.
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Auto Insurance for Phoenix Military Members and Veterans
Being active duty military or having veteran status can also qualify you for certain discounts on your car insurance policy. This is good to know if you are one of the 4,786 active duty members, 6,966 active duty family members, or 3,868 National Guard members that call Maricopa County their home.
All told, there are 11 military installations in the Phoenix area including Luke Air Force Base, the U.S. Defense Investigation Services outpost, the Arizona National Guard Post ar Papago Park, and the U.S. Marine Corps base off of Interstate 17.
Maricopa County is also home to over 300,000 veterans; many of whom served in Vietnam and the Gulf Wars.
With such a proud and diverse group of military and veteran families in the Valley of the Sun, it’s no wonder that car insurance companies would want to reward them for their service.
Some of the providers with Military Discounts on car insurance include:
- Allstate
- Esurance
- Farmers
- Geico
- Liberty Mutual
- MetLife
- SafeAuto
- State Farm
- The General
- USAA
Some of these providers only offer discounts to active duty members while others extend the savings to family members and veterans. Just be sure to ask your agent if you qualify so you don’t miss out on the savings.
Compare Phoenix, Arizona Auto Insurance Quotes
Before you buy Phoenix, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Phoenix, Arizona auto insurance quotes.
Frequently Asked Questions
Are there any specific insurance requirements for drivers in Phoenix, AZ?
Yes, in addition to carrying the minimum liability insurance coverage, drivers in Phoenix, AZ are required to carry proof of insurance with them while driving. Failure to provide proof of insurance when requested by law enforcement can result in penalties.
Can I use my out-of-state auto insurance in Phoenix, AZ?
If you have recently moved to Phoenix, AZ, you will generally need to obtain auto insurance coverage that meets the state’s requirements. While some out-of-state policies may offer temporary coverage in Arizona, it is advisable to contact your insurance provider and update your policy to comply with Arizona regulations.
Does my credit score affect my auto insurance rates in Phoenix, AZ?
Yes, in Phoenix, AZ, like many other states, your credit score can influence your auto insurance rates. Insurance companies often use credit-based insurance scores as one of the factors to determine premiums. Maintaining a good credit score may help you secure more favorable rates.
What happens if my auto insurance lapses in Phoenix, AZ?
Allowing your auto insurance to lapse in Phoenix, AZ can lead to various consequences. If caught driving without insurance, you may face penalties such as fines, license suspension, and vehicle impoundment. Additionally, a lapse in coverage can result in higher insurance rates when you reinstate or obtain new coverage.
Can I exclude a household member from my auto insurance policy in Phoenix, AZ?
Yes, you may be able to exclude a household member from your auto insurance policy in Phoenix, AZ. However, it’s important to note that if the excluded person drives your insured vehicle and gets into an accident, your insurance may not provide coverage for the damages.
Are there any discounts available for auto insurance in Phoenix, AZ?
Yes, insurance companies often offer various discounts to policyholders in Phoenix, AZ. These discounts can include safe driver discounts, multi-policy discounts (bundling auto and home insurance, for example), good student discounts, and discounts for certain safety features installed in your vehicle. It’s recommended to inquire about available discounts when obtaining quotes from insurance providers.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
