What's the Cost of Car Insurance in Phoenix?


On average, premiums in Phoenix surpass Arizona's average by 31%. Who doesn't like to save money? Check out some ways to save on car insurance in Phoenix.


CAR INSURANCE PRICES: PHOENIX VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,602$1,221$1,569


Phoenix Car Insurance Rates by Age

Car insurance premiums are highest for teenage drivers, with typical rates of $6,651 per year. Among all age groups, drivers in their 50s have the smallest premiums, with rates of $1,418 per year. People in their 60s ($1,484) aren’t paying significantly more. 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
AgeAverage Rate
Teenagers$6,651
20s$2,137
30s$1,581
40s$1,528
50s$1,418
60s$1,484
70s$1,619


Phoenix Car Insurance for High-Risk Drivers


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/IncidentAverage Insurance Rate
DUI$3,598
Reckless Driving$2,777
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


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 QualityAverage Rate
Very Poor$3,592
Fair$1,944
Good$1,602
Very Good$1,450
Exceptional$1,328


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/GenderAverage Rate
Female$1,625
Male$1,602
Single$1,602
Married$1,500
Divorced$1,602
Widowed$1,570


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.

30

Rainy Days a Year

8"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in PHX

2
Major Highways
I-10 I-17 U.S. 60
2
Popular Day Trips
Tombstone Apache Trail Grand Canyon

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

R.P. Ryan Insurance, Inc.

18501 N 40th St Ste 102 Phoenix, AZ 85032

Ancap Insurance Company, Inc.

8802 N 4th St Phoenix, AZ 85020

American Premier Insurance Agency

16815 S Desert Foothills Pkwy Phoenix, AZ 85048

REC Agency Services, LLC

17045 N 7th St. Phoenix, AZ 85022

Kaylor Insurance Group, Inc.

3233 W Peoria Ave Phoenix, AZ 85029

Hill & Usher Insurance & Surety

3033 N 44th St Ste 300 Phoenix, AZ 85018

General Southwest Insurance Agency

5628 E Thomas Road Phoenix, AZ 85018

Minard-Ames Insurance Services, LLC

4646 E Van Buren St Ste 200 Phoenix, AZ 85008

See All

Not sure about Phoenix

Check out these other Arizona cities...

Tucson

Mesa

Chandler

Gilbert

Glendale

Scottsdale

2

$1,272

The average Phoenician's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

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204

That's equal to 204 cups of coffee or $509 in savings

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