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Finding the cheapest car insurance quotes in Phoenix shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 $1373 for a six-month policy, which is $169 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $847, 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.
At $847 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $935 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $975
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, MD is Kemper, offering policies at just $847 for a six-month term. This is followed by USAA, which has an average six-month premium of $935.
At the higher end of the spectrum, Maryland Auto is the most expensive, with rates reaching $2729 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.
Way's key takeaways about car insurance in Phoenix
The auto insurance costs in Phoenix fall around $847 for six
months.
The cheapest auto insurance company in Phoenix is USAA.
Teen drivers pay the highest rate in Phoenix at $1412 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
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.
USAA provides
the cheapest minimum car insurance
coverage in Phoenix. Their Average 6 Month Premium is $345.
Allstate is the most
expensive at $1083 for the same
period.
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 Kemper
at $144 per month and $847
for six months.
Cheapest Full Coverage Car Insurance Quotes in Phoenix,
MD
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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, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Phoenix, Maryland, may be increasing due to several external factors.
Maryland 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
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Cheapest Car Insurance Rates for Teen Drivers in
Phoenix,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Phoenix at $84
per
month. At $8478 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Phoenix.
As young drivers face the highest rates in Phoenix, N/A
offers the cheapest auto insurance rates at $N/A 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,
USAA is
the cheapest car insurance provider. At $1219 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 Allstate, offering
rates of around $3162 for six
months.
Save up to $971/yr on car insurance rates in Phoenix.
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, MD,
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 Erie
and USAA, offering $968
and $988,
respectively. Allstate is an expensive provider
with an average six-month premium of
$3731.
Here is a list of driving violations that can increase your car
insurance rates in Phoenix MD. For example, the car
insurance in Phoenix
after a DUI increases to $1286 for a six
month policy. While the rate increases by $298 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
$1368
$228
One Med/PIP claim
$1415
$241
Not-at-fault accident
$1469
$245
One comp claim
$1476
$251
Two Med/PIP claims
$1504
$251
Failure to wear a seat belt
$1550
$263
Failure to show documents
$1591
$266
Child safety restraint
$1605
$272
Two comp claims
$1605
$268
Driving with expired registration
$1645
$279
Cell phone violation
$1666
$278
Driving too slowly
$1666
$283
Failure to stop at a red light
$1666
$278
Failure to yield
$1666
$283
Following too closely
$1666
$278
Illegal turn
$1666
$283
Improper passing
$1666
$278
Speeding 11 - 15 MPH over limit
$1666
$283
Speeding 16 - 20 MPH over limit
$1666
$278
Speeding 6 - 10 MPH over limit
$1666
$283
Texting while driving
$1666
$278
Wrong way/wrong lane
$1666
$283
Speeding in school zone
$1686
$282
At-fault accident - less than $1000
$1720
$293
Passing school bus
$1727
$287
Driving without lights
$1734
$295
Open container
$1741
$290
Operating a vehicle without permission
$1760
$300
Speeding 21 - 25 MPH over limit
$1822
$303
In 65 MPH zone
$1990
$339
At-fault accident - $1000-$2000
$2052
$342
At-fault accident - greater than $2000
$2052
$349
Reckless driving
$2343
$391
Racing
$2519
$429
Driving with a suspended license
$2559
$426
Refusal to submit to a chemical test
$2641
$449
DUI
$2654
$442
Leaving scene of an accident/hit and run
$2674
$455
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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 Erie at $813 for a six-month policy.
However, it can be as
expensive as $4015 with companies
like Maryland Auto.
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 USAA
at $833. However,
it can be as expensive as $2763
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Phoenix after Speeding ticket
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
$257 in January
compared to $243 of December. In other words, there has been an increase by $14 when you
compare January and December.
The average cost of liability insurance in the Phoenix rose to $89 in January,
compared to $88 in December.
This represents an increase of $1
when comparing January and December.
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 $2745 for a
six-month policy, insuring
your car at 21131 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Phoenix?
The car insurance in Phoenix is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Phoenix?
The cheapest car insurance in Phoenix
is $144 per month
for full coverage.
How much is car insurance in Phoenix for teenagers?
Car insurance for teenagers costs $508 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 $1204 for a six-month
policy. It will cost around $230 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,
MD?
The best car insurance company in Phoenix
MD is
Kemper, offering $847 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Phoenix, MD
Car Insurance Rates by State in the USA (2025 Update)
Phoenix Car Insurance
