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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. 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.

How Much Does Car Insurance Cost In Phoenix?

Phoenix Rates Vs Arizona Vs United States Averages

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

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What Would Increase Your Car Insurance Rate In Phoenix?

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.

Auto Theft Statistics In Phoenix

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.

Accidents Statistics In Phoenix

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.

Useful Info for Driving in NYC

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 to pre-find and book affordable parking. 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:

  • Wingz
  • TotalRide
  • Lyft
  • Uber

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.

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Car Insurance Companies in Phoenix

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:

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

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’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


How much is car insurance in Phoenix, Arizona?

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.

Is car insurance high in Phoenix?

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.

Who has the cheapest car insurance in Phoenix, AZ?

Progressive offers the best and cheap car insurance coverage at an average annual rate of $1470.

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Learn more by city and state for car insurance

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