Car Insurance in Phoenix, AZ
- Travelers offers the cheapest car insurance in Phoenix at $148/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 $1,620 for a six-month policy or $270 per month, making it more expensive than the Arizona state average ($1,282) and the national average ($1,163).
Travelers offers the cheapest car insurance in Phoenix at $148 per month, or about $450 for six months.
- Travelers offers the cheapest full coverage rates in Phoenix at $148/mo. For minimum coverage, Travelers is the cheapest option at $60/mo.
- Car insurance in Phoenix is so expensive primarily because of destructive weather events, heavy traffic congestion, and a high rate of uninsured drivers.
- An at-fault accident in Phoenix can cause rate hikes of up to $810 on a 6-month policy.
Cheap liability and full coverage auto insurance in Phoenix
As of 2026, Travelers offers Phoenix’s lowest full coverage rates, with premiums of around $148 per month. For liability coverage, Travelers also has the lowest monthly premium at about $60. USAA is another good option for military members and their immediate families.
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 Arizona drivers carry only the state’s minimum required coverage. The minimum is enough to drive legally, but it may not be enough to protect your finances after an accident.
Source: The Zebra • Current as of: Jul 2, 2026
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Fetching your estimate
Here at The Zebra, we make it easy for you to find the right coverage—at the right price. We compare top companies so you can find what works for you.
We can also help you:
Why is car insurance in Phoenix so expensive?
Phoenix drivers pay higher rates due to a mix of local risks, weather, and driving trends.
1. Weather
Phoenix drivers regularly face extreme summer heat, dust storms (haboobs), flash flooding during monsoon season, and occasional hailstorms that can damage vehicles and create hazardous driving conditions. Reduced visibility from blowing dust, flooded roadways, and intense heat-related vehicle strain can all contribute to accidents and insurance claims. Because these weather-related losses can increase repair costs and claim frequency across the region, insurers may adjust premiums to reflect the unique risks associated with driving in the Phoenix area.
2. Traffic Density and Associated Risk Levels
Heavy traffic on Interstate 10 (I-10), Loop 101, Loop 202, Interstate 17 (I-17), and major commuter corridors throughout the Phoenix metropolitan area contributes to a significant number of vehicle accidents each year. Congested roadways, rapid population growth, and long daily commutes can increase the likelihood of collisions and insurance claims. As claim frequency and repair costs rise, insurers may adjust rates to reflect the elevated risks associated with driving in the Phoenix area.
3. Uninsured Drivers
Arizona drivers share the road with uninsured and underinsured motorists every day, creating additional financial exposure after an accident. In Phoenix, where heavy traffic and frequent collisions can increase the likelihood of claims, uninsured motorist coverage provides valuable protection against medical expenses, lost wages, and other damages caused by drivers who carry little or no insurance. As insurers account for these risks when setting rates, uninsured-driver claims can play a role in determining car insurance costs throughout the Phoenix metropolitan area.
"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
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.
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...
| 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
Ready to get started?
Arizona drivers in and near Phoenix saved money on car insurance recently using The Zebra:
Drivers in Kingman, AZ are getting smart deals on Honda CR-V coverage from Clearcover.
Drivers in Golden Valley, AZ are getting smart deals on Ford Mustang coverage from Mercury Insurance Group.
Drivers in Happy Jack, AZ are getting smart deals on Ford Explorer Sport Trac coverage from Dairyland Insurance.
Drivers in Tucson, AZ are getting smart deals on Buick Enclave coverage from GEICO.
This quote from Aspire General Insurance helped a Honda Accord driver in Kingman, AZ cut their insurance costs.
Drivers in Fountain Hills, AZ are getting smart deals on Toyota RAV4 coverage from Liberty Mutual.
*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Phoenix car insurance FAQs:
What Phoenix drivers want to know about car insurance
Parked car insurance so I can get tags for my vehicle
Is Chubb really different, or just more expensive?
Do I have to pay a deductible if I caused an accident?
How can I add a driver to my American Family policy?
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.
