How Much Does Car Insurance Cost in Phoenix?


Phoenix premiums are $283 higher than Arizona's average, which is why the city is recognized for its pricey premiums. Let's take a look at how car insurance costs in Phoenix contrast with rates nationwide.


AUTO INSURANCE PREMIUMS: PHOENIX VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,530$1,247$1,427


Phoenix Car Insurance by Accident or Violation History


A history of accidents and violations can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. Usually, a DUI in Phoenix will cost you 74% more in car insurance premiums versus the city average ($1,530). Reckless driving will also bump your premiums up, with typical rates of $3,465. That is 126% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what one can do to your rates. $891 is, on average, the additional cost for car insurance in Phoenix if you have an at-fault accident on your driving record.


AVERAGE PHOENIX INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationMean Rate
DUI$2,662
Reckless Driving$3,465
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 Auto Insurance by Marital Status and Gender


Both marital status and gender are among the many driver traits that can have an effect on car insurance premiums in Phoenix. However, premiums are barely more pricey for women than for men. Women generally pay 1% more than men each year for insurance. Being married can save you $110 per year compared to being single or divorced. Rates for those who are widowed are slightly cheaper than rates for those who are single.


PHOENIX CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,547
Male$1,530
Single$1,530
Married$1,420
Divorced$1,530
Widowed$1,506


Phoenix Auto Insurance by Credit Rating


The discrepancy between average car insurance premiums in Phoenix for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,881 per year. Shifting from Very Poor (300-579) to Fair (580-669) offers drivers the most notable percent reduction in premiums, as they save an average of 22% per year.


PHOENIX AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Rate
Very Poor$3,205
Fair$2,503
Good$1,989
Very Good$1,608
Exceptional$1,324


Phoenix Car Insurance Premiums by Age

Drivers in Phoenix see the most significant decrease in premiums when they reach their 20s, as they pay an average of $4,467 less after moving out of the teenage age bracket. Rates for drivers continue to decline through their 50s, but they can expect to pay more when they turn 60. At $1,345, drivers in their 50s have the smallest payments among any age group. With rates of $6,524 on average, teenage drivers are the ones who pay the most in car insurance premiums.


PHOENIX CAR INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,524
20s$2,056
30s$1,508
40s$1,450
50s$1,345
60s$1,415
70s$1,818


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

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

Find Local Phoenix Agents

Hill & Usher Insurance & Surety

3033 N 44th St Ste 300 Phoenix, AZ 85018

Ancap Insurance Company, Inc.

8802 N 4th St Phoenix, AZ 85020

General Southwest Insurance Agency

5628 E Thomas Road Phoenix, AZ 85018

Kaylor Insurance Group, Inc.

3233 W Peoria Ave Phoenix, AZ 85029

Crown Insurance Corporation

2432 W Peoria Ave Ste 1072 Phoenix, AZ 85029

REC Agency Services, LLC

17045 N 7th St. Phoenix, AZ 85022

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

Minard-Ames Insurance Services, LLC

4646 E Van Buren St Ste 200 Phoenix, AZ 85008

American Premier Insurance Agency

16815 S Desert Foothills Pkwy Phoenix, AZ 85048

See All

Not sure about Phoenix

Check out these other Arizona cities...

Tucson

Mesa

Chandler

Gilbert

Glendale

Scottsdale

$1,272

The average Phoenician's annual cost of coverage

40%

Our customer's average savings after comparing insurance

204

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

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Phoenix Car Insurance

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