Phoenix, AZ Auto Insurance (2024)
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 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.
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: Jun 23, 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
- 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
| 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.
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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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.