Cheapest Car Insurance Quotes in Phoenix

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Phoenix Car Insurance

^$ 40

/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 $1376 for a six-month policy, which is $505 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $562, 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

$1376

Avg. Car Insurance in Illinois

$871

National Average

$1278

Cheapest Car Insurance Companies in Phoenix

1st place: American Family

At $562 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $705 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $798 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 American Family, offering policies at just $562 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $705.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $1484 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
American Family	$562	$96
Auto-Owners Insurance Co	$705	$117
Westfield	$798	$136
Travelers	$1022	$172
Country Financial	$1089	$183
Erie	$1267	$213
USAA	$1510	$254
Auto-Owners	$1558	$262
Progressive	$1596	$269
State Farm	$1717	$289
Farmers	$1887	$321
Allstate	$2713	$457
Hanover	$1484	$246

Key Takeaways

Way's key takeaways about car insurance in Phoenix

The auto insurance costs in Phoenix fall around $562 for six months.
The cheapest auto insurance company in Phoenix is Mercury.
Teen drivers pay the highest rate in Phoenix at $92 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 $235. AAA is the most expensive at $403 for the same period.

Cheapest Liability Coverage in Phoenix, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$235	$40
Westfield	$253	$43
Auto-Owners Insurance Co	$300	$51
American Family	$319	$54
Erie	$393	$66
Travelers	$431	$73
Auto-Owners	$441	$74
Country Financial	$441	$74
USAA	$545	$92
State Farm	$581	$98
Progressive	$610	$103
Allstate	$901	$152
Farmers	$1174	$199
Hanover	$281	$47
AAA	$403	$68

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 American Family at $96 per month and $562 for six months.

Cheapest Full Coverage Car Insurance Quotes in Phoenix, IL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$562	$96
Auto-Owners Insurance Co	$705	$117
Westfield	$798	$136
Travelers	$1022	$172
Country Financial	$1089	$183
Erie	$1267	$213
USAA	$1510	$254
Auto-Owners	$1558	$262
Progressive	$1596	$269
State Farm	$1717	$289
Farmers	$1887	$321
Allstate	$2713	$457
Hanover	$1484	$246

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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

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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 $51 per month. At $536 for a six-month premium, AAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$300	$51
American Family	$348	$58
Mercury	$348	$58
Auto-Owners Insurance Co	$376	$63
Farmers	$610	$101
Country Financial	$1708	$288
Travelers	$1784	$300
Erie	$2027	$341
USAA	$3078	$518
Auto-Owners	$3361	$572
Progressive	$4731	$796
State Farm	$5848	$984
Allstate	$6382	$1074
AAA	$536	$92

Teen Car Insurance Rates in IL 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 $357 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 Farmers, offering rates of around $4590 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$357	$60
Westfield	$469	$79
American Family	$591	$101
Hanover	$629	$104
Travelers	$1127	$190
Country Financial	$1267	$213
Progressive	$1567	$264
USAA	$2778	$463
Erie	$3023	$514
Auto-Owners	$4299	$716
Allstate	$4919	$836
State Farm	$7339	$1223
Farmers	$4590	$781

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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 American Family and AutoOwners Insurance Co, offering $376 and $393, respectively. AAA is an expensive provider with an average six-month premium of $667.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$376	$63
Auto-Owners Insurance Co	$393	$66
Westfield	$403	$68
Mercury	$517	$88
Farmers	$769	$128
Travelers	$948	$160
Erie	$1174	$198
Country Financial	$1248	$210
State Farm	$1577	$265
USAA	$1689	$284
Auto-Owners	$1765	$294
Progressive	$2384	$401
Allstate	$4626	$779
AAA	$667	$114

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 $1296 for a six month policy. While the rate increases by $348 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	$1548	$258
One Med/PIP claim	$1558	$265
Not-at-fault accident	$1643	$273
One comp claim	$1680	$286
Two Med/PIP claims	$1680	$280
Failure to wear a seat belt	$1801	$307
Driving without lights	$1820	$303
Child safety restraint	$1830	$311
Two comp claims	$1830	$305
Failure to show documents	$1858	$316
Speeding 6 - 10 MPH over limit	$1896	$316
Driving with expired registration	$1905	$324
Speeding 11 - 15 MPH over limit	$1943	$324
Driving too slowly	$1953	$332
Failure to yield	$1953	$325
Illegal turn	$1953	$332
At-fault accident - less than $1000	$1970	$329
Failure to stop at a red light	$1970	$335
Following too closely	$1970	$329
Speeding 16 - 20 MPH over limit	$1980	$337
Speeding in school zone	$1980	$330
Improper passing	$1989	$338
Wrong way/wrong lane	$1989	$332
Cell phone violation	$2027	$344
Texting while driving	$2027	$338
Passing school bus	$2046	$348
In 65 MPH zone	$2056	$343
Speeding 21 - 25 MPH over limit	$2075	$352
Operating a vehicle without permission	$2112	$352
At-fault accident - $1000-$2000	$2244	$381
At-fault accident - greater than $2000	$2280	$381
Open container	$2356	$401
Reckless driving	$2732	$455
Racing	$2759	$469
Driving with a suspended license	$2816	$469
Refusal to submit to a chemical test	$2835	$482
DUI	$2844	$474
Leaving scene of an accident/hit and run	$2872	$488

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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 $357 for a six-month policy. However, it can be as expensive as $4026 with companies like Farmers.

Phoenix car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$357	$60
American Family	$376	$63
Travelers	$1005	$169
Progressive	$1210	$204
Erie	$1446	$243
Country Financial	$1680	$283
USAA	$2308	$389
State Farm	$2375	$400
Auto-Owners	$2506	$427
Allstate	$3980	$670
Farmers	$4026	$684

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 $300. However, it can be as expensive as $7377 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	$300	$51
Auto-Owners Insurance Co	$338	$57
Mercury	$367	$62
American Family	$376	$63
Hanover	$450	$76
Erie	$939	$158
Country Financial	$1127	$190
Travelers	$1427	$237
Auto-Owners	$1446	$246
State Farm	$1811	$302
USAA	$1999	$340
Progressive	$2046	$341
Allstate	$4261	$725
Farmers	$7377	$1229

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 dipped by $267 in January compared to $305 of December. In other words, there has been an decrease by $38 when you compare January and December.

The average cost of liability insurance in the Phoenix dipped to $81 in January, compared to $84 in December. This represents an decrease of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Phoenix?

The car insurance in Phoenix is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Phoenix?

The cheapest car insurance in Phoenix is $96 per month for full coverage.

How much is car insurance in Phoenix for teenagers?

Car insurance for teenagers costs $300 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 $871 for a six-month policy. It will cost around $231 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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 N/A 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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Data Sources