What's the Cost of Car Insurance in Phoenix?
On average, premiums in Phoenix surpass Arizona's average by 31%. Even though that number might seem steep to some, the alternative is driving without insurance, which is against the law. The state of Arizona mandates that all drivers have liability insurance at the very least in order to cover bodily injury or property damage in case of a car accident.
So how do you find a cheap Phoenix insurance policy? We've put together some information that can help you save on car insurance premiums in Phoenix.
CAR INSURANCE PRICES: PHOENIX VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Phoenix Car Insurance Rates by Age
Your age plays a significant part in how much you have to pay to keep your car insured. There are a number of factors at play when an insurance company considers a driver's age, including driving experience and maturity level. Any insurance company will likely have heaps of data that proves that certain age groups tend to be more likely to take chances and to file insurance claims. So which age group has the cheapest car insurance rates?
Among all age groups, drivers in their 50s have the smallest insurance premiums, with rates of $1,418 per year. People in their 60s ($1,484) aren’t paying significantly more. Car insurance premiums are highest for teenage drivers, with typical rates of $6,651 per year. The most significant decrease in premiums for Phoenix drivers happens when they reach their 20s. Once out of the teenage age range, individuals reduce their premiums by 68%. While insurance rates for drivers will continue to shrink through their 50s, they should anticipate a change when they turn 60.
PHOENIX CAR INSURANCE RATES BY AGE
Phoenix Car Insurance for High-Risk Drivers
Perhaps unsurprisingly, your driving record can play a huge part in how much it costs to keep a vehicle insured. If you've got a history of car accidents, had brushes with the law, or even have a period where you were uninsured, finding cheap car insurance coverage in Phoenix could be tricky. In this case, an insurance company could certainly consider you a liability. Below are some of the the factors that could determine how much you pay for insurance coverage.
Do you know by how much an at-fault accident or violation can raise your car insurance rates? $1,996 is the additional cost per year for drivers with a DUI in Phoenix, compared to the city average of $1,602. Reckless driving will bump your rates up as well, with average rates of $2,777! Insurance rates are affected by at-fault accident history, and more specifically, by how much damage resulted from the accidents. For individuals in Phoenix with at-fault accidents in which damages exceeded $2,000, rates are an average of 14% more than at-fault accidents with damages less than $1,000.
AVERAGE PHOENIX INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,215|
|At-fault Accident (damages greater than $2,000)||$2,529|
|Speeding Ticket (16-20 mph over speed limit)||$2,144|
Phoenix Car Insurance by Credit Level
Your credit history can play a big part in how much you pay for an insurance policy. Insurance companies have found correlartions between a driver's credit history and their likelihood of filing a claim. Therefore, drivers with Exceptional credit (800-850) typically pay 63% less every year for car insurance than those with Very Poor credit (300-579). Drivers can save around $1,648 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
PHOENIX AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Rate|
Phoenix Car Insurance by Marital Status and Gender
Car insurance premiums in Phoenix are affected by marital status as well as gender. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being single, as opposed to married, can cost you $102 more per year on car insurance. Males have premiums that are a mere 1% cheaper than those for females.
PHOENIX CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|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
General Southwest Insurance Agency
5628 E Thomas Road Phoenix, AZ 85018
REC Agency Services, LLC
17045 N 7th St. Phoenix, AZ 85022
American Premier Insurance Agency
16815 S Desert Foothills Pkwy Phoenix, AZ 85048
Pat Dumar-Smith Insurance Group, Inc.
2350 W Mission Ln Phoenix, AZ 85021
Kaylor Insurance Group, Inc.
3233 W Peoria Ave Phoenix, AZ 85029
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
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
Ancap Insurance Company, Inc.
8802 N 4th St Phoenix, AZ 85020
The average Phoenician's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Phoenix
Just enter your zip code to get started
Phoenix Car Insurance
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?
Phoenix Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...