Car Insurance in Phoenix, AZ
- Root offers the cheapest car insurance in Phoenix at $117/mo.
- Compare and save on auto insurance in or near Phoenix, AZ with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Phoenix at the right price.
About The Zebra's recommendations
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
How much does car insurance cost in Phoenix?
Auto insurance in Phoenix costs $1,465 for a six-month policy or $244 per month, making it more expensive than the Arizona state average ($1,163) and the national average ($1,084).
Car insurance quotes in Arizona
Arizona drivers in and near Phoenix saved money on car insurance recently using The Zebra:
Drivers in Phoenix, AZ are getting smart deals on Subaru Impreza coverage from GEICO.
Our licensed agents guided a driver in Maricopa, AZ find this smart deal on their Hyundai ELANTRA with Clearcover.
Our licensed agents guided a driver in Phoenix, AZ find this smart deal on their Toyota Sienna with Root Insurance.
This quote from The General helped a Ford F-150 driver in Mayer, AZ cut their insurance costs.
This quote from Bristol West helped a Honda Civic driver in Tucson, AZ cut their insurance costs.
Drivers in Eagar, AZ are getting smart deals on Ford Escape coverage from National General.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Phoenix
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 42% of Phoenix drivers carry only the state’s minimum required coverage—it keeps them legal, but it doesn’t always offer enough financial protection after an accident.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which our experts say makes them worth considering.
Root offers the cheapest car insurance in Phoenix at $117 per month. Travelers and USAA (for those who qualify) are also good options.
Source: The Zebra
"It isn't just huge places like NYC or LA, but bigger cities like Phoenix can have higher rates than in other parts of the state. There's more traffic and congestion, which leads to more accidents, and sometimes vehicles that are more expensive."
-Erick Sosa, Licensed Agent at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Phoenix.
Are you paying too much for auto insurance?
Agency Hours in Phoenix, AZ
Our friendly licensed agents help Phoenix, AZ drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 6:00 AM - 10:00PM MST
- Saturday - Sunday: 8:00AM - 7:00PM MST
Car insurance rates after an accident in Phoenix
In Phoenix, an at-fault accident can raise your car insurance by $810 for a 6-month policy. Travelers offers the lowest average rates after an accident, with USAA another good choice for drivers who qualify.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though serious violations like DUIs can affect your rates even longer.
Updating data...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $1,601 | $0 |
| One comp claim | $1,676 | $75 |
| Speeding 16 - 20 MPH over limit | $2,051 | $450 |
| At-Fault Accident | $2,412 | $810 |
| DUI | $3,169 | $1,568 |
| Leaving scene of an accident/hit and run | $3,241 | $1,640 |
Source: The Zebra
Why is car insurance in Phoenix so expensive?
Phoenix drivers pay higher rates due to a mix of local risks, weather, and driving trends.
Location: Premiums vary by ZIP code, but areas in Phoenix with higher crime or more uninsured drivers (like 85009 or 85033) tend to see higher rates than safer neighborhoods.
Weather: Monsoons, dust storms, and other severe weather raise repair costs and insurer risk, driving up premiums across the region.
Drivers: With more traffic and about 27% of drivers uninsured, even safe drivers pay more to offset local accident and claim costs.
Extreme heat: Summer temperatures frequently exceed 110°F, which can damage vehicles and affect driving safety.
Phoenix drivers' individual car insurance rates are determined by insurers based on a range of rating factors that assess the level of risk each driver poses. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Local insights
Drivers near you in Phoenix weigh in
"My Costco membership paid for itself this year entirely off of their insurance through Connect by American Family. It was cheaper for me to go with their best plan than it was for me to do Progressive, GEICO, State Farm or The General's minimum ones. I bundled renters insurance with it as well and am paying about 100 bucks less a month than I would have."
-Reddit user on r/Phoenix [1]
"[I have] USAA. I make it a point to call them at least once a year and tell them that I'll walk away from them if they don't keep my previous rate. 20 minutes of my time and I am able to maintain under 120 dollars for car insurance. Then again, I'm bundled with homeowners, high-value item, and renters insurance."
-Reddit user on r/Phoenix [1]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Find the best rates for both auto and home insurance in minutes!
Phoenix car insurance FAQs:
-
What car insurance are you guys carrying? Reddit.com
Questions from Phoenix drivers:
Is Mile Auto legit?
What is an ADOT Code?
Do I have to pay a deductible if I caused an accident?
Do you offer insurance for conversion vehicles?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
