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:
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.
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:
This quote from Root Insurance helped a Chevrolet Cavalier driver in Sierra Vista, AZ cut their insurance costs.
This quote from Liberty Mutual helped a Chevrolet Spark driver in Phoenix, AZ cut their insurance costs.
This quote from Bristol West helped a Chevrolet Silverado 1500 driver in Tucson, AZ cut their insurance costs.
Drivers in Tucson, AZ are getting smart deals on Chevrolet Silverado 1500 coverage from GEICO.
This quote from The General helped a Ford F-150 driver in Lakeside, AZ cut their insurance costs.
Drivers in Lake Havasu City, AZ are getting smart deals on GMC Suburban coverage from Safeco.
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?
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.
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.
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
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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.