Progressive
$94/mo
General
$93/mo
Allstate
$170/mo
State Farm
$111/mo
CSAA
$114/mo
Progressive
General
Allstate
State Farm
CSAA
With a population of close to two million, Phoenix is one of the fastest-growing cities in the country. Thousands of people commute by foot, public transportation, or car every day in Phoenix. Way.com has worked hard to find info on affordable car insurance rates for those who commute by car in Phoenix.
Whether you live in Center City or Deer Valley, we can assist you in obtaining car insurance in Phoenix, AZ, without any hassle.
In Phoenix, auto insurance costs an average of $1815 per year, higher than the Arizona average ($1472) and higher than the national average of $1553. Our Phoenix car insurance guide includes average rates based on age, driving history, credit score, and marital status.
| Phoenix (annual average) | Arizona (annual average) | United States |
|---|---|---|
| $1815 | $1472 | $1553 |
The auto insurance rates in Phoenix can differ from one company to the other. Progressive offers the lowest premiums for the average insurance buyer in Phoenix. The cheap car insurance companies in Phoenix are listed below. You can use this information as a reference to compare and look for quotes that are tailored to your specific driving profile.
| Car insurance company | Average Annual Rate |
|---|---|
| Progressive | $1406 |
| State Farm | $1527 |
| All State | $1798 |
| American Family | $1850 |
On average, drivers in Phoenix in their 20s pay $2647 per year, and drivers in their 60s pay $1626. Teenage drivers in Phoenix pay the highest insurance premiums.
| Age | Average Annual Rate |
|---|---|
| Teenage driver | $6220 |
| 20s | $2647 |
| 60s | $1626 |
The marital status of the driver will affect car insurance rates. In many places, married drivers often pay less than single drivers. Also, rates for widowed people are higher than for single people.
| Marital status | Average Annual Rate |
|---|---|
| Single | $1667 |
| Married | $1658 |
| Divorced | $1815 |
| Widowed | $1724 |
Car insurance prices can change if you move to a new place, buy a new car, and even if you age! The driver's gender can affect car insurance rates.
| Gender | Rates |
|---|---|
| Female | $1845 |
| Male | $1820 |
To keep your auto insurance rates low, avoid accidents and citations. Speeding tickets, reckless driving charges, DUIs and DWIs, and at-fault accidents can increase insurance rates.
Two of the most expensive citations to receive are DUI and reckless driving. On average, Arizona drivers convicted of reckless driving face an increase of $805 per year compared to the citywide average. A DUI violation can cost an increase of $1659 per year, on average, while a ticket for speeding can have an increase of $419 rate.
| Driving Violation | Increased rate |
|---|---|
| DWI/DUI | $2673 |
| Reckless Driving | $2512 |
| At-fault Accident | $2300 |
| Speeding Ticket | $2280 |
The credit score is often correlated with the cost of car insurance. Moving from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) can help you save 65% in car insurance costs in Arizona. Also, moving from "Very Poor" to "Fair" credit is vital for lowering auto insurance rates. In Arizona, improving your credit score to "Fair" could result in a $1861 decrease in yearly car insurance rates.
| Credit Tier | Annual rate |
|---|---|
| Very Poor | $4184 |
| Fair | $2125 |
| Good | $1750 |
| Very Good | $1635 |
| Exceptional | $1452 |
In Phoenix, where you live can play a major role in deciding your car insurance rates other than your driving history and credit score. That's because crime, theft, and uninsured drivers differ by ZIP code.
So, car insurance companies may consider you a high risk to insure if you live in a neighborhood where people don't get along. This means your insurance rates may be higher than those of a neighbor down the street, and unfortunately, Phoenix is no exception.
Vehicle theft is a major issue in the Valley of Sun. In 2001, Phoenix was ranked first in the country for vehicle thefts. But over the years, the trend has come down. Interestingly, the state of Arizona also saw a downward trend in vehicle thefts in 2021. Arizona ranks 14th in the number of car thefts nationwide and 21st in the car theft rate.
Traffic fatalities in Phoenix have gone up since 2020. According to the report, the traffic deaths in Phoenix in 2021 increased to 234, a 20% increase in traffic fatalities compared with 2020.
The city of Phoenix has one of the country’s largest freeway systems. These freeways make traveling to and from Phoenix simple, safe, and hassle-free. Interstate 10, Interstate 17, and U.S. Route 60 are three major freeways in Phoenix. The I-10 is the most heavily traveled Freeway in Phoenix, and it is the transcontinental route between California and Florida. I-17 runs down the center of Arizona.
CAR: Make use of Google Maps to navigate through the streets of Phoenix if you plan to drive around. You can also use apps like Way.com to pre-find and book affordable parking. Way.com lists parking spots near you. You can compare the parking rates facilities offered, and choose a spot that best suits you.
RIDESHARING APPS:There are multiple ways to get around Phoenix. If you’re someone who prefers ridesharing apps, here’s a list we’ve compiled for you. Pick the ridesharing app that’s right for you out of this list:
Valley Metro:The Valley Metro Regional Public Transportation Authority, popularly known as Valley Metro, is the unified public transit system that operates in and around Phoenix. The Valley Metro is further divided as Valley Metro Bus, which runs all bus operations, and light rail operations are handled by Valley Metro Rail. All Valley Metro vehicles are accessible to passengers who use mobility devices.
Dial-a-Ride: Persons with disabilities who cannot use the local bus service can use Dial-a-Ride. Dial-a-Ride offers different services depending on the city. in Phoenix, you can access this to commute anywhere within the City of Phoenix south of Jomax Road.
If you own a car and drive it, you need auto insurance. Every car owner in Phoenix needs auto insurance for protection, and Arizona law requires it.
Here are the top car insurance companies in Phoenix:
|
|
|
|---|---|
| 21st Century | Stillwater |
| AFI | Safe Auto |
| Allied | Plymouth Rock |
| All State | Preferred Mutual |
| American Family | Progressive |
| Clearcover | Safeco |
| Encompass | State Farm |
| Cinch | Sun Coast |
| Certainly | Titan |
| Direct Auto | Travelers |
| Ensure | TSC |
| Hallmark | Kemper Auto |
| Falcon | USAA |
| Hippo | Farmers GroupSelect |
| MetLife | |
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
The average cost for full coverage car insurance in Phoenix is $1815 per year or $152 for a month. On average, the cost for minimum coverage in Phoenix is $890 per year.
On average, car insurance costs $1815 per year in Phoenix. This is higher than the Arizona average of $1472. Phoenix car insurance is higher than the national average of $1553.
Progressive offers the best and cheap car insurance coverage at an average annual rate of $1470.
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