Cheapest Car Insurance Quotes in Phoenix

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Phoenix Car Insurance

^$ 55

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. 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.

Table of Contents

How Much Is Car Insurance in Phoenix

The car insurance rate in Phoenix is $1403 for a six-month policy, which is $386 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $647, making it a popular choice for budget-conscious drivers. Rates in Phoenix can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Phoenix

$1403

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Phoenix

1st place: Root Insurance Company

At $647 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $853 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $893 for six months, making it the third cheapest auto insurance company in Phoenix.

Phoenix Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Phoenix, AZ is Root Insurance Company, offering policies at just $647 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $853.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1500 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Phoenix drivers find the best deals.

Cheap Car Insurance Companies in Phoenix, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$647	$110
Auto-Owners Insurance Co	$853	$142
Farmers	$893	$152
Mercury	$918	$153
Hartford	$959	$163
Iowa Farm Bureau	$967	$161
Travelers	$1140	$192
USAA	$1336	$225
Progressive	$1352	$228
State Farm	$1377	$232
Auto-Owners	$1550	$261
Farm Bureau	$2008	$335
Allstate	$2091	$352
The Hartford	$2091	$352
CSAA	$2788	$473
Nationwide	$1500	$250

Key Takeaways

Way's key takeaways about car insurance in Phoenix

The auto insurance costs in Phoenix fall around $647 for six months.
The cheapest auto insurance company in Phoenix is Mercury.
Teen drivers pay the highest rate in Phoenix at $1213 per month.

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Cheapest Minimum Liability Car Insurance in Phoenix

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Phoenix are given below.

Mercury provides the cheapest minimum car insurance coverage in Phoenix. Their Average 6 Month Premium is $328. The Hartford is the most expensive at $845 for the same period.

Cheapest Liability Coverage in Phoenix, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$328	$55
Auto-Owners Insurance Co	$426	$73
Travelers	$426	$72
Country Financial	$435	$75
Root Insurance Company	$443	$73
USAA	$451	$76
Farmers	$468	$77
Auto-Owners	$491	$83
Iowa Farm Bureau	$491	$81
State Farm	$541	$91
Progressive	$558	$94
Allstate	$705	$119
Farm Bureau	$762	$127
The Hartford	$845	$144

Cheapest Full Coverage Car Insurance in Phoenix

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Phoenix is Root Insurance Company at $110 per month and $647 for six months.

Cheapest Full Coverage Car Insurance Quotes in Phoenix, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$647	$110
Auto-Owners Insurance Co	$853	$142
Farmers	$893	$152
Mercury	$918	$153
Hartford	$959	$163
Iowa Farm Bureau	$967	$161
Travelers	$1140	$192
USAA	$1336	$225
Progressive	$1352	$228
State Farm	$1377	$232
Auto-Owners	$1550	$261
Farm Bureau	$2008	$335
Allstate	$2091	$352
The Hartford	$2091	$352
CSAA	$2788	$473
Nationwide	$1500	$250

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Average Car Insurance in Phoenix by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Phoenix, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Phoenix, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Phoenix's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Phoenix

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Phoenix,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Phoenix at $66 per month. At $7279 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$393	$66
Root Insurance Company	$451	$77
Country Financial	$508	$84
Farmers	$574	$98
Auto-Owners Insurance Co	$582	$97
Iowa Farm Bureau	$607	$103
Travelers	$1664	$280
USAA	$1968	$331
State Farm	$2049	$345
Progressive	$3181	$535
Allstate	$3393	$571
Farm Bureau	$5197	$883
Auto-Owners	$5238	$874
The Hartford	$6639	$1129
CSAA	$7279	$1213

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Phoenix, Mercury is the cheapest car insurance provider. At $377 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Phoenix is State Farm, offering rates of around $9460 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$377	$63
Root Insurance Company	$566	$97
Country Financial	$607	$101
Farmers	$680	$116
Nationwide	$697	$116
Iowa Farm Bureau	$886	$150
Hartford	$901	$150
Progressive	$1427	$240
Travelers	$1459	$246
Allstate	$2688	$453
USAA	$2697	$450
Farm Bureau	$3468	$589
The Hartford	$4288	$715
Auto-Owners	$5156	$876
State Farm	$9460	$1576

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Car Insurance Rates with An Accident in Phoenix

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Phoenix, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Phoenix

The cheapest car insurance companies after an at-fault accident in Phoenix include Root Insurance Company and Country Financial, offering $558 and $566, respectively. CSAA is an expensive provider with an average six-month premium of $4525.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$558	$92
Country Financial	$566	$97
Auto-Owners Insurance Co	$664	$110
Noblr	$934	$159
Travelers	$976	$164
Root	$1017	$173
State Farm	$1041	$175
General Casualty	$1271	$217
USAA	$1303	$219
Progressive	$1492	$251
Farmers	$1877	$316
Mercury	$1951	$328
Farm Bureau Mutual (IA Group)	$2016	$337
Auto-Owners	$2172	$366
Metromile	$2295	$382
General Agents Group	$2582	$439
Country	$2730	$455
Encompass	$2967	$505
Allstate	$3000	$505
Nationwide	$3189	$542
The Hartford	$3246	$546
Safeway	$3631	$617
Farm Bureau	$3836	$639
Permanent General	$3926	$668
MetLife	$4475	$747
CSAA	$4525	$770

Phoenix Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Phoenix AZ. For example, the car insurance in Phoenix after a DUI increases to $1664 for a six month policy. While the rate increases by $336 for a six-month policy in the case of a speeding ticket.

Phoenix auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1615	$269
One Med/PIP claim	$1615	$275
Not-at-fault accident	$1623	$270
One comp claim	$1689	$287
Two Med/PIP claims	$1689	$282
Two comp claims	$1754	$298
Failure to wear a seat belt	$1845	$308
Child safety restraint	$1918	$326
Driving without lights	$1918	$320
Failure to show documents	$1918	$326
Speeding 6 - 10 MPH over limit	$1951	$326
Driving too slowly	$2024	$344
Speeding 11 - 15 MPH over limit	$2024	$338
Speeding in school zone	$2024	$344
Driving with expired registration	$2041	$341
Speeding 16 - 20 MPH over limit	$2041	$346
Cell phone violation	$2049	$342
Failure to stop at a red light	$2049	$349
Failure to yield	$2049	$342
Following too closely	$2049	$349
Illegal turn	$2049	$342
Texting while driving	$2049	$349
Wrong way/wrong lane	$2049	$342
Improper passing	$2082	$355
Speeding 21 - 25 MPH over limit	$2107	$351
In 65 MPH zone	$2139	$364
Passing school bus	$2164	$360
At-fault accident - less than $1000	$2222	$378
Operating a vehicle without permission	$2336	$389
At-fault accident - $1000-$2000	$2401	$408
At-fault accident - greater than $2000	$2434	$406
Open container	$2557	$435
Reckless driving	$2836	$473
Driving with a suspended license	$2927	$498
DUI	$3279	$546
Refusal to submit to a chemical test	$3279	$558
Racing	$3352	$559
Leaving scene of an accident/hit and run	$3369	$573

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Phoenix after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Phoenix.

The cheapest car insurance premiums in Phoenix are offered by Mercury at $435 for a six-month policy. However, it can be as expensive as $4877 with companies like Farm Bureau.

Phoenix car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$435	$72
Root Insurance Company	$491	$84
Country Financial	$615	$102
Hartford	$770	$131
Progressive	$1032	$174
Travelers	$1148	$193
Farmers	$1238	$208
State Farm	$1410	$237
USAA	$1991	$335
Nationwide	$2467	$420
Auto-Owners	$3246	$541
The Hartford	$3566	$606
Allstate	$3778	$636
Farm Bureau	$4877	$829

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Phoenix are offered by AutoOwners Insurance Co at $426. However, it can be as expensive as $4640 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Phoenix after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$426	$73
Mercury	$468	$77
Country Financial	$508	$87
Root Insurance Company	$558	$92
Farmers	$574	$98
State Farm	$1107	$186
Travelers	$1230	$207
Progressive	$1238	$208
USAA	$1754	$298
Auto-Owners	$1795	$299
Farm Bureau	$2730	$464
The Hartford	$3106	$518
Allstate	$4640	$789

Car Insurance Price Trends in Phoenix, Arizona

Car insurance rates in Phoenix have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Phoenix rose by $290 in January compared to $167 of December. In other words, there has been an increase by $123 when you compare January and December.

The average cost of liability insurance in the Phoenix rose to $87 in January, compared to $75 in December. This represents an increase of $12 when comparing January and December.

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Average Car Insurance Cost in Phoenix by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Phoenix. At $1445 for a six-month policy, insuring your car at 85051 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
85051	$1445	$243
85050	$1431	$240
85017	$1431	$240
85016	$1431	$240
85019	$1417	$238
85018	$1431	$240
85013	$1417	$238
85035	$1459	$245
85012	$1403	$235
85034	$1403	$235
85037	$1445	$243
85015	$1431	$240
85014	$1417	$238
85031	$1431	$240
85053	$1431	$240
85033	$1459	$245
85054	$1403	$235
85032	$1459	$245
85040	$1431	$240
85083	$1417	$238
85009	$1445	$243
85006	$1417	$238
85028	$1417	$238
85027	$1431	$240
85008	$1459	$245
85029	$1445	$243
85007	$1403	$235
85024	$1417	$238
85045	$1403	$235
85023	$1431	$240
85004	$1403	$235
85048	$1431	$240
85003	$1403	$235
85042	$1445	$243
85020	$1431	$240
85086	$1431	$240
85041	$1459	$245
85085	$1417	$238
85022	$1445	$243
85044	$1431	$240
85043	$1431	$240
85021	$1431	$240

Frequently Asked Questions

How much is car insurance in Phoenix?

The car insurance in Phoenix is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Phoenix?

The cheapest car insurance in Phoenix is $110 per month for full coverage.

How much is car insurance in Phoenix for teenagers?

Car insurance for teenagers costs $393 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Phoenix?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $236 per month to insure your car in Phoenix.

Is car insurance expensive in Phoenix?

Car insurance can be expensive in Phoenix if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Phoenix can be affordable.

What is the best car insurance in Phoenix, AZ?

The best car insurance company in Phoenix AZ is Root Insurance Company, offering $647 for a six-month policy.