Cheapest Car Insurance Quotes in Phoenix

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Phoenix Car Insurance

^$ 38

/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 $1321 for a six-month policy, which is $452 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $678, 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

$1321

Avg. Car Insurance in Illinois

$869

National Average

$1140

Cheapest Car Insurance Companies in Phoenix

1st place: AutoOwners Insurance Co

At $678 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $768 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Country Financial

Country Financial offers auto insurance rates at $804 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, IL is AutoOwners Insurance Co, offering policies at just $678 for a six-month term. This is followed by Westfield, which has an average six-month premium of $768.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $1228 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, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$678	$116
Westfield	$768	$128
Country Financial	$804	$135
Travelers	$958	$161
American Family	$1111	$187
Erie	$1164	$195
USAA	$1373	$231
State Farm	$1382	$233
Progressive	$1517	$255
Auto-Owners	$1598	$266
Allstate	$2294	$386
Farmers	$2294	$386
Hanover	$1427	$237
Mercury	$1219	$204
Hastings Mutual	$1228	$208

Key Takeaways

Way's key takeaways about car insurance in Phoenix

The auto insurance costs in Phoenix fall around $678 for six months.
The cheapest auto insurance company in Phoenix is Mercury.
Teen drivers pay the highest rate in Phoenix at $88 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 $226. First Chicago is the most expensive at $298 for the same period.

Cheapest Liability Coverage in Phoenix, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$226	$38
Westfield	$243	$41
Auto-Owners Insurance Co	$289	$49
Country Financial	$307	$52
Erie	$378	$64
Auto-Owners	$415	$70
Travelers	$415	$70
American Family	$479	$81
State Farm	$479	$81
USAA	$506	$85
Progressive	$587	$99
Allstate	$921	$155
Farmers	$1129	$192
Hanover	$271	$46
AAA	$388	$65
First Chicago	$298	$50

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 AutoOwners Insurance Co at $116 per month and $678 for six months.

Cheapest Full Coverage Car Insurance Quotes in Phoenix, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$678	$116
Westfield	$768	$128
Country Financial	$804	$135
Travelers	$958	$161
American Family	$1111	$187
Erie	$1164	$195
USAA	$1373	$231
State Farm	$1382	$233
Progressive	$1517	$255
Auto-Owners	$1598	$266
Allstate	$2294	$386
Farmers	$2294	$386
Hanover	$1427	$237
Mercury	$1219	$204
Hastings Mutual	$1228	$208

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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, IL increasing?

Despite maintaining a clean driving record, your car insurance rates in Phoenix, Illinois, may be increasing due to several external factors. Illinois 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Auto-Owners	$1075
30s	Auto-Owners	$743
40s	Auto-Owners	$730
50s	Auto-Owners	$689
60s	Auto-Owners	$724
70s	Auto-Owners	$918

Cheapest Car Insurance Rates for Teen Drivers in Phoenix,IL

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Phoenix at $49 per month. At $515 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$289	$49
Mercury	$334	$56
Auto-Owners Insurance Co	$362	$61
Country Financial	$1228	$207
Erie	$1508	$254
Travelers	$1598	$269
USAA	$2782	$468
American Family	$3332	$561
State Farm	$4794	$807
Progressive	$4803	$809
Allstate	$5580	$939
Farmers	$5679	$956
AAA	$515	$88

Teen Car Insurance Rates in IL by Age

Way Tip

If you are in your twenties AutoOwners is the best choice for car insurance in Phoenix.

As young drivers face the highest rates in Phoenix, AutoOwners offers the cheapest auto insurance rates at $1075 for six months.

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 $344 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 $4723 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$344	$58
Westfield	$451	$78
Hanover	$605	$100
Country Financial	$903	$152
Travelers	$1002	$169
Progressive	$1435	$242
American Family	$1760	$296
USAA	$2338	$398
Allstate	$3838	$640
Farmers	$4416	$751
State Farm	$4723	$787

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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, IL, 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 AutoOwners Insurance Co and Westfield, offering $378 and $388, respectively. Hastings Mutual is an expensive provider with an average six-month premium of $451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$378	$64
Westfield	$388	$65
Mercury	$497	$82
Travelers	$866	$146
Erie	$876	$147
Country Financial	$885	$149
State Farm	$1309	$220
USAA	$1345	$226
American Family	$1508	$254
Progressive	$2177	$366
Farmers	$2402	$404
Allstate	$3982	$670
AAA	$641	$109
First Chicago	$415	$70
Hastings Mutual	$451	$78

Phoenix Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Phoenix IL. For example, the car insurance in Phoenix after a DUI increases to $1246 for a six month policy. While the rate increases by $334 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	$1490	$248
One Med/PIP claim	$1499	$255
Not-at-fault accident	$1581	$263
One comp claim	$1616	$275
Two Med/PIP claims	$1616	$269
Failure to wear a seat belt	$1733	$295
Driving without lights	$1751	$292
Child safety restraint	$1760	$299
Two comp claims	$1760	$293
Failure to show documents	$1788	$304
Speeding 6 - 10 MPH over limit	$1824	$304
Driving with expired registration	$1833	$312
Speeding 11 - 15 MPH over limit	$1870	$312
Driving too slowly	$1879	$319
Failure to yield	$1879	$313
Illegal turn	$1879	$319
At-fault accident - less than $1000	$1895	$316
Failure to stop at a red light	$1895	$322
Following too closely	$1895	$316
Speeding 16 - 20 MPH over limit	$1905	$324
Speeding in school zone	$1905	$318
Improper passing	$1914	$325
Wrong way/wrong lane	$1914	$319
Cell phone violation	$1950	$331
Texting while driving	$1950	$325
Passing school bus	$1968	$334
In 65 MPH zone	$1978	$330
Speeding 21 - 25 MPH over limit	$1996	$339
Operating a vehicle without permission	$2032	$339
At-fault accident - $1000-$2000	$2158	$366
At-fault accident - greater than $2000	$2193	$366
Open container	$2266	$386
Reckless driving	$2628	$438
Racing	$2654	$451
Driving with a suspended license	$2709	$451
Refusal to submit to a chemical test	$2727	$464
DUI	$2736	$456
Leaving scene of an accident/hit and run	$2763	$470

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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 $344 for a six-month policy. However, it can be as expensive as $3873 with companies like Farmers.

Phoenix car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$344	$58
Travelers	$921	$155
Erie	$1066	$179
Progressive	$1111	$187
Country Financial	$1400	$236
American Family	$1707	$287
State Farm	$1851	$312
USAA	$2168	$365
Allstate	$3403	$573
Farmers	$3873	$658

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 Westfield at $289. However, it can be as expensive as $7097 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Phoenix after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$289	$49
Auto-Owners Insurance Co	$325	$55
Mercury	$353	$59
Erie	$378	$64
Hanover	$433	$73
Country Financial	$912	$154
USAA	$1183	$198
State Farm	$1616	$275
Travelers	$1833	$306
Progressive	$1895	$322
American Family	$2104	$354
Allstate	$6031	$1026
Farmers	$7097	$1183

Car Insurance Price Trends in Phoenix, Illinois

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 $293 in December compared to $290 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Phoenix rose to $81 in December, compared to $78 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Phoenix?

The car insurance in Phoenix is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Phoenix?

The cheapest car insurance in Phoenix is $116 per month for full coverage.

How much is car insurance in Phoenix for teenagers?

Car insurance for teenagers costs $289 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 $869 for a six-month policy. It will cost around $220 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.

Cheapest Car Insurance Quotes in Phoenix

Why you can trust Way?

How Much Is Car Insurance in Phoenix

Avg. Car Insurance in Phoenix

Avg. Car Insurance in Illinois

National Average

Cheapest Car Insurance Companies in Phoenix

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Country Financial

Phoenix Car Insurance Rates by Company

Cheap Car Insurance Companies in Phoenix, IL

Way's key takeaways about car insurance in Phoenix

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Phoenix

Cheapest Liability Coverage in Phoenix, IL

Cheapest Full Coverage Car Insurance in Phoenix

Cheapest Full Coverage Car Insurance Quotes in Phoenix, IL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Phoenix by Rating Factor

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

Car Insurance Premiums by Age in Phoenix

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Phoenix,IL

If you are in your twenties AutoOwners is the best choice for car insurance in Phoenix.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Phoenix

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

Phoenix Car Insurance Rates by Violation

Phoenix auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Phoenix after a DUI

Phoenix car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Phoenix after Speeding ticket

Car Insurance Price Trends in Phoenix, Illinois

Average Car Insurance Cost in Phoenix by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Phoenix, IL

Car Insurance Rates by State in the USA (2025 Update)

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