Best Cheap Auto Insurance in Phoenix, AZ (2021)

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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • 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

Commute length and annual mileage affect Phoenix, Arizona auto insurance. Find the cheapest annual Phoenix, Arizona auto insurance by commute length.

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

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

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Phoenix, Arizona commute length is 26.2 minutes according to City-Data.

Phoenix Traffic

How does Phoenix, Arizona rank for traffic? According to Inrix Phoenix, Arizona is the 290th most congested worldwide.

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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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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