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On average, drivers in Phoenix, Arizona, pay about $25 more per month for car insurance than motorists in the rest of the state — $264 for the city versus $239 for Arizona’s average.
The city’s number of drivers with at-fault accidents and DUIs may contribute to that difference. Arizona ranks 25th in the country for number of drivers with at-fault accidents and 14th for drivers with DUIs. Accidents and DUIs can affect the cost of your insurance. Phoenix’s urban setting and population also play a role — it’s the largest city in the state, with a population of more than 1.6 million.
Table of contents
- How much does car insurance cost in Phoenix?
- Cheapest car insurance in Phoenix
- How much car insurance do you need in Phoenix, Arizona?
- How to get cheap car insurance in Phoenix
- How age affects car insurance rates in Phoenix
- How credit scores affect cheap car insurance in Phoenix
- How driving habits influence car insurance rates in Phoenix
- Find local Phoenix agents
- Phoenix car insurance FAQs
How much does car insurance cost in Phoenix?
The cost of car insurance in Phoenix, Arizona, can vary widely depending on many factors. When trying to find the best deal, it’s important to compare rates from multiple lenders.
Data scientists at Insurify compared the latest insurance rates in Phoenix to help identify the cheapest quotes for drivers in the area. The cost of auto insurance in Phoenix ranges from $84 a month for a liability policy to $500 per month for a more expensive full-coverage policy.
Factors that affect the cost of your insurance include credit score, age, and driving history, including at-fault accidents, speeding tickets, and DUIs.
Here are the insurance companies with the cheapest car insurance in Phoenix:
Cheapest for liability coverage: Mile Auto, with an average of $84 per month
Cheapest for full coverage: Mile Auto, with an average of $119 per month
Cheapest for new and young drivers in Phoenix: MetLife, with an average of $150 per month
Learn More: Cheap Car Insurance in Arizona
Cheapest car insurance in Phoenix
The cheapest insurance company on average in Phoenix is Mile Auto. Both their liability-only and full-coverage policies are the cheapest available. The average monthly premium at Mile Auto can go as low as $84 for minimum-coverage insurance. The average cost of a policy at Mile Auto is $111 per month.
Various factors influence the cost of your auto insurance. Some common factors that help a company determine your rate include:
Age of driver
Where you live
How often and how far you drive
Type of coverage you choose
The table below includes a list of the cheapest average monthly quotes from insurance companies in Phoenix. Insurify’s data scientists collected the information from Insurify’s database of more than 70 million quotes.
|Insurance Company||Insurify Composite Score||Liability Only||Full Coverage|
|Midvale Home & Auto||N/A||$163||$246|
The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
How much car insurance do you need in Phoenix, Arizona?
Arizona requires insurance for every motor vehicle operated on state roads. The minimum requirement for liability insurance is:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$15,000 per accident for property damage
Arizona is an at-fault state, which means if you’re responsible for causing an accident, you’ll have to pay any accident-related expenses through your insurance company or out of your own pocket.
You’ll need to carry proof of insurance in your car at all times. You’ll need it when registering your vehicle, if you’re pulled over for a traffic violation, or if you’re involved in an accident. If you purchase a vehicle with a loan or lease, your lender or leasing company likely will require you to buy full-coverage insurance and provide proof of coverage.
Arizona DMV information
Arizona drivers can access various services at their local DMV. DMV offices are in most major cities, including Phoenix. The DMV offers easy access to multiple services, including:
Driver’s license renewal: You can apply for a driver’s license renewal or a travel ID online or in person. If your driver’s license isn’t up to date with the latest identification laws, you can purchase a travel ID to travel through security at the airport. If you’re applying for a new driver’s license, you’ll need to visit the DMV in person.
Vehicle registration and title: You can apply for a new vehicle registration or title transfer at the DMV.
Online services: The Arizona DMV online portal allows drivers to skip long waits by scheduling appointments online, viewing driver’s license information, renewing vehicle registration, and more.
Driver services: You can access third-party driver license locations, get testing information, find driver schools, schedule driver tests, and seek license reinstatement through the Arizona DMV.
Other vehicle services: If you move, you’ll need to change your address and update your registration information. You can also purchase license plates at the DMV.
How to get cheap car insurance in Phoenix
While insurance companies typically have minimum rates, you can do a few things to ensure you qualify for the lowest rate possible:
Bundle your auto insurance. If you combine your home and auto insurance, you may qualify for a discount on your policy.
Check for discounts. Some insurance providers offer discounts to safe drivers or employees of specific organizations. Check with your employer and your insurance company to see if you qualify.
Drive safely. Too many speeding tickets and car accidents will raise your premium. Avoid accidents by putting your phone away while driving, avoiding eating, drinking, or other forms of distracted driving, and traveling at safe speeds.
Raise your deductible. A simple way to lower your monthly premium is to opt for a higher deductible. While you’ll need to pay more out of pocket if you’re involved in an accident, you could save on your monthly bill.
Compare rates. One of the easiest ways to ensure you get the best rates is to compare rates online from multiple insurance companies. Using a virtual agent like Insurify to compare rates can help you find the cheapest car insurance available to you.
How age affects car insurance rates in Phoenix
Insurance companies consider age when setting insurance rates because younger drivers are more likely to be in car accidents, according to the National Safety Council. Drivers between the ages of 15 and 24 have the highest death rates in collisions. Additionally, drivers older than 75 also have higher-than-average death rates in collisions. Drivers in these age ranges are likely to have higher premiums.
|Age Group||Average Monthly Rate|
Choosing an insurance provider based on the ages of drivers in your home could be helpful. The averages listed in the tables below are based on full-coverage policies.
Cheapest car insurance for young drivers in Phoenix
Drivers under 25 in Phoenix may find the best rates with Travelers — the company’s average monthly quote for young drivers is $206. Young drivers typically have the highest insurance rates of any age group.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$338|
Cheapest car insurance for middle-aged drivers in Phoenix
Mile Auto has the cheapest car insurance for middle-aged Phoenix drivers — just $97 per month. Although rates begin to fall when drivers are older than 25, middle-aged drivers may be able to lower their auto insurance rates by opting for a higher deductible, looking for safe driving discounts, and comparing rates with multiple providers. A safe driving history will also help keep your insurance rate low.
The table below illustrates average monthly quotes for middle-aged drivers in Phoenix.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$190|
Cheapest car insurance for senior drivers in Phoenix
Mile Auto also has the lowest monthly average rate for senior drivers in Arizona’s most populous city, at just $81. Senior drivers typically have the lowest rates of any age group, although their premiums can begin to rise as they grow older.
Taking defensive driving courses, bundling home and auto policies, and looking for discounts through groups like the AARP or other organizations can help senior drivers reduce their insurance costs. The table below reflects average monthly rates for senior drivers in Phoenix.
|Insurance Company||Average Monthly Quote|
|Midvale Home & Auto||$161|
How credit scores affect cheap car insurance in Phoenix
Credit scores are one factor insurers like to use to determine your car insurance rate. Most states allow them to do so, including Arizona. Generally, drivers with good credit scores will qualify for lower rates than borrowers with low credit scores.
Credit scores from FICO, the most commonly used scoring method, typically fall into the following ranges:
Less than 580: Poor
740 –799: Very good
The table below shows the average cost for full-coverage policies in Phoenix at different credit score ranges.
|Credit Tier||Average Monthly Quote|
Learn More: Car Insurance Rates by Credit Tier
How driving habits influence car insurance rates in Phoenix
Overall, Mile Auto has some of the cheapest car insurance rates for Phoenix drivers with moving violations or accidents on their records.
Driving habits have a significant impact on the cost of your insurance premiums. Since auto insurers primarily protect against accidents, drivers with a clean driving history are likely to qualify for lower rates. Drivers with a history of speeding, at-fault accidents, and driving under the influence will likely have much higher premiums since insurers view them as higher risk.
The following tables show how different violations can affect insurance companies’ premiums in Phoenix.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to not offer policies to drivers with that infraction. Your actual rate can vary, based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Phoenix: Mile Auto
An accident can cause your insurance rates to increase significantly since your claim costs the insurance company money. This can be especially true if you’re found at-fault for the accident. Keep in mind that Arizona is an at-fault state, meaning the driver who’s responsible for the accident or their insurance company is responsible for paying the other party’s damages.
|Insurance Company||Clean Record||With Accident||Difference|
|Midvale Home & Auto||$210||$294||+$84|
Cheapest car insurance with a DUI in Phoenix: Mile Auto
A conviction for driving under the influence (DUI) can seriously affect your insurance rate, in addition to the legal ramifications. Many insurers may refuse to cover you at all if you have a DUI.
|Insurance Company||Clean Record||With DUI||Difference|
|Midvale Home & Auto||$210||$151||-$59|
Cheapest car insurance with a speeding ticket in Phoenix: Mile Auto
Speeding tickets may be common, but they’re also a serious matter. In 2020, speed was a factor in 29% of all traffic fatalities, according to the National Highway Traffic Safety Administration. A speeding ticket can push your auto insurance premiums higher.
|Insurance Company||Clean Record||With Speeding Ticket||Difference|
|Midvale Home & Auto||$210||$384||+$174|
Car insurance in other Arizona cities
Car insurance rates can vary greatly between cities in the same state. Check out car insurance rates in these other Arizona cities:
Find local Phoenix agents
American Premier Insurance Agency16815 S Desert Foothills Pkwy,
Phoenix, AZ 85048
Worldwide Insurance Specialists, Inc.2424 West Missouri Avenue,
Phoenix, AZ 85015
Pat Dumar-Smith Insurance Group, Inc.2320 E Baseline Rd,
Phoenix, AZ 85042
Talanton Insurance1110 E Missouri Ave Ste 400,
Phoenix, AZ 85014
Southwest Bonding & Insurance Services, Inc.7315 N 16Th St Ste 100,
Phoenix, AZ 85020
Professional Insurance Brokers, Inc.515 E Carefree Hwy,
Phoenix, AZ 85085
R.P. Ryan Insurance, Inc.18501 N 40th St Ste 102,
Phoenix, AZ 85032
Daniels/Nicolson Insurance Agency4411 N 19th Ave,
Phoenix, AZ 85015-4115
Sarbu & Stan Insurance Services2415 E Camelback Rd,
Phoenix, AZ 85016
Mike Deehan Insurance Agency3519 E Shea Blvd Ste 120,
Phoenix, AZ 85028
Phoenix car insurance FAQs
Here are answers to some commonly asked questions about car insurance in Phoenix, Arizona.
The cost of car insurance in Phoenix varies based on the type of insurance coverage and driving history. On average, drivers in Phoenix spend $264 per month, which is slightly higher than the state average.
The cost of car insurance in Phoenix is on par with other major cities around the country. It’s slightly more expensive than the state average of $239.
The most affordable full-coverage car insurance in Phoenix is Mile Auto. The insurer’s average quote for full-coverage insurance is $122 per month.
Mile Auto also offers the cheapest coverage for liability insurance. Its average monthly rate for liability-only car insurance in Phoenix is $86.
Compare Car Insurance Quotes Instantly
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
- US Census . "Quick Facts Phoenix Arizona." Accessed December 8, 2022
- ADOT. "Vehicle Insurance Information." Accessed December 8, 2022
- Arizona MVD. "Out of the Line and Safely on the Road." Accessed December 8, 2022
- myFICO. "What is a Credit Score?." Accessed December 8, 2022
- NHTSA. "Speeding." Accessed December 8, 2022