What's the Average Cost of Car Insurance in Phoenix?
Arizona premiums, which fall below the national average by $180, are known for being inexpensive. However, premiums run higher in the city, so in Phoenix, it is crucial to save while insuring a vehicle. Who doesn't like saving money? Check out some ways to save on car insurance in Phoenix.
INSURANCE COSTS: PHOENIX VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
Phoenix Auto Insurance by Credit Level
There is a difference of $1,881/year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save approximately $702 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
PHOENIX AUTO INSURANCE COSTS BY CREDIT TIER
Phoenix Auto Insurance After an Accident or Moving Violation
Knowing which driving mishaps can bloat your car insurance rates will help you make better decisions and save money. $891 is what you can expect to add on to your annual insurance premium in Phoenix if you have an at-fault accident on your driving record. Speeding 16-20mph over the speed limit can make insuring your vehicle more expensive. Individuals with a speeding ticket on their driving record typically pay 35% more per year.
AVERAGE PHOENIX INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,421|
|At-fault Accident (damages greater than $2,000)||$2,421|
|Speeding Ticket (16-20 mph over speed limit)||$2,058|
Phoenix Car Insurance by Age
The biggest dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Phoenix start paying $4,467 less in premiums. Car insurance premiums for drivers in Phoenix continue to fall through their 50s, but they can expect a change when they hit 60. Among all age groups, drivers in their 50s have the smallest insurance rates, with rates of $1,345. Teenage drivers have the biggest premiums of any age group. They pay around $6,524 per year on car insurance premiums.
PHOENIX AUTO INSURANCE PRICES BY AGE
Phoenix Auto Insurance by Marital Status and Gender
In Phoenix, both gender and marital status can have an effect on your car insurance premiums. However, premiums are barely more pricey for women than for men. Women usually pay $17 more than men every year for insurance. Being married can save you around 7% per year compared to being single. Rates for those who are widowed are marginally cheaper than rates for those who are single.
PHOENIX CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Phoenix
Find Local Phoenix Agents
Crown Insurance Corporation
2432 W Peoria Ave Ste 1072 Phoenix, AZ 85029
Pat Dumar-Smith Insurance Group, Inc.
2350 W Mission Ln Phoenix, AZ 85021
American Premier Insurance Agency
16815 S Desert Foothills Pkwy Phoenix, AZ 85048
Minard-Ames Insurance Services, LLC
4646 E Van Buren St Ste 200 Phoenix, AZ 85008
Kaylor Insurance Group, Inc.
3233 W Peoria Ave Phoenix, AZ 85029
REC Agency Services, LLC
17045 N 7th St. Phoenix, AZ 85022
Ancap Insurance Company, Inc.
8802 N 4th St Phoenix, AZ 85020
General Southwest Insurance Agency
5628 E Thomas Road Phoenix, AZ 85018
Hill & Usher Insurance & Surety
3033 N 44th St Ste 300 Phoenix, AZ 85018
R.P. Ryan Insurance, Inc.
18501 N 40th St Ste 102 Phoenix, AZ 85032
The average Phoenician's annual cost of coverage
Our customer's average savings after comparing insurance
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Phoenix Car Insurance
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