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


Auto insurance costs an average of $1,810 per year in Phoenix. That's more than the statewide average in Arizona ($1,470) and more expensive than the national average of $1,548. Our guide to Phoenix auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN PHOENIX
Phoenix Average (annual)Arizona AverageUnited States Average
$1,810$1,470$1,548

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Phoenix car insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Phoenix's most affordable premiums. We've listed the best cheap car insurance companies in Phoenix below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


PHOENIX AUTO INSURANCE PREMIUMS BY COMPANY
InsurerAverage Rate (annual)
GEICO$938
USAA$1,382
State Farm$1,807
American Family$1,914
Progressive$1,947

Check out our guide to learn how to find the best cheap car insurance.



Phoenix car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Phoenix are drivers in their 50s, who pay an average of $1,606per year. Rates for Phoenix drivers in their 60s are also relatively affordable, at just $1,677 per year.

Teen drivers pay Phoenix's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Phoenix is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Phoenix is $5,140, the largest such difference between any two age brackets.


PHOENIX CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$7,566
20s$2,426
30s$1,774
40s$1,722
50s$1,606
60s$1,677
70s$2,152

Learn more about how age influences auto insurance rates.



Phoenix car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Phoenix pay $147 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Phoenix, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Phoenix, female drivers pay $30 per year more than do male drivers for car insurance.


PHOENIX CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,840
Male$1,810
Single$1,663
Married$1,663
Divorced$1,810
Widowed$1,729

Learn more about how gender and marital status have on insurance rates.



Phoenix auto insurance costs by accident and violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Phoenix drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $803 per year versus the city average. A ticket for speeding results in a $491 rate hike, on average, while a DUI violation costs $934per year in insurance premiums.


AVERAGE PHOENIX INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DWI/DUI$2,744
Reckless Driving$2,613
At-fault Accident (damages < $1,000)$2,319
At-fault Accident (damages greater than $2,000)$2,651
Speeding Ticket (16-20 mph over speed limit)$2,301

Learn more about citations' impact on your auto insurance rates.



Phoenix car insurance rates by credit tier


It's no secret credit score is closely correlated with car insurance rates. Phoenix drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 65% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Phoenix, improving your credit to "Fair" could help you earn a $1,871 decrease in yearly insurance premiums.


PHOENIX CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Annual Rate
Very Poor$4,086
Fair$2,215
Good$1,810
Very Good$1,633
Exceptional$1,448

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Phoenix?

Where you live in Phoenix affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Phoenix is no exception to the rule. From ZIP code 85048 to 85031, premiums rise by 32 percent—that’s $359.

Expensive Phoenix ZIP codes: 85035, 85019, 85009, 85017, 85031

Cheap Phoenix ZIP codes: 85048, 85045, 85044, 85086, 85087

Phoenix Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Phoenix, you can expect 30 rainy days with an annual rainfall of 8.2 inches. Phoenix is also known to experience thunderstorms and flash floods.

30

Rainy Days a Year

8"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in PHX

2
Major Highways
I-10 I-17 U.S. 60
2
Public Transit
Valley Metro Bus

Dial-a-Ride

2
Popular Day Trips
Tombstone Apache Trail Grand Canyon

Car Insurance Companies in Phoenix

Find Local Phoenix Agents

Pat Dumar-Smith Insurance Group, Inc.

2350 W Mission Ln Suite 3, Phoenix, AZ 85021

R.P. Ryan Insurance, Inc.

18501 N 40th St Ste 102, Phoenix, AZ 85032

REC Agency Services, LLC

17045 N 7th St., Phoenix, AZ 85022

General Southwest Insurance Agency

5628 E Thomas Road, Phoenix, AZ 85018

Hill & Usher Insurance & Surety

3033 N 44th St Ste 300, Phoenix, AZ 85018

American Premier Insurance Agency

16815 S Desert Foothills Pkwy Ste 140, Phoenix, AZ 85048

Ancap Insurance Company, Inc.

8802 N 4th St, Phoenix, AZ 85020

Minard-Ames Insurance Services, LLC

4646 E Van Buren St Ste 200, Phoenix, AZ 85008

Crown Insurance Corporation

2432 W Peoria Ave Ste 1072, Phoenix, AZ 85029

Kaylor Insurance Group, Inc.

3233 W Peoria Ave Suite 206, Phoenix, AZ 85029

Not sure about Phoenix

Check out these other Arizona cities:

Tucson

Scottsdale

Glendale

Gilbert

Chandler

Mesa

2

$1,272

The average Phoenician's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

204

That's equal to 204 cups of coffee or $509 in savings

See How Much You Can Save in Phoenix

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Recent Questions:

Phoenix Car Insurance

Do you offer insurance for conversion vehicles?

It will be difficult to find insurance for your modified vehicle. Unfortunately, The Zebra does not offer any insurance carriers that will cover your converted van.

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

Can I file an additional loss of use claim even after the at fault party's insurance has paid for the repairs of the vehicle?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had. For future reference, I recommend using the initial claims payout for what it was meant for — your car's repairs, first and foremost.

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.