What's the average cost of car insurance in Phoenix?
Auto insurance costs an average of $1,810 per year in Phoenix. That's more than the statewide average in Arizona ($1,470) and more expensive than the national average of $1,548. Our guide to Phoenix auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
CAR INSURANCE RATES IN PHOENIX
|Phoenix Average (annual)||Arizona Average||United States Average|
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Phoenix car insurance rates by insurer
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Phoenix's most affordable premiums. We've listed the best cheap car insurance companies in Phoenix below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
PHOENIX AUTO INSURANCE PREMIUMS BY COMPANY
|Insurer||Average Rate (annual)|
Phoenix car insurance costs by age
The age group that enjoys the lowest auto insurance rates in Phoenix are drivers in their 50s, who pay an average of $1,606per year. Rates for Phoenix drivers in their 60s are also relatively affordable, at just $1,677 per year.
Teen drivers pay Phoenix's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Phoenix is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Phoenix is $5,140, the largest such difference between any two age brackets.
PHOENIX CAR INSURANCE RATES BY DRIVER AGE
|Age||Average Yearly Rate|
Phoenix car insurance rates by marital status and gender
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Phoenix pay $147 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Phoenix, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Phoenix, female drivers pay $30 per year more than do male drivers for car insurance.
PHOENIX CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Annual Rate|
Phoenix auto insurance costs by accident and violation history
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Phoenix drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $803 per year versus the city average. A ticket for speeding results in a $491 rate hike, on average, while a DUI violation costs $934per year in insurance premiums.
AVERAGE PHOENIX INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,319|
|At-fault Accident (damages greater than $2,000)||$2,651|
|Speeding Ticket (16-20 mph over speed limit)||$2,301|
Phoenix car insurance rates by credit tier
It's no secret credit score is closely correlated with car insurance rates. Phoenix drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 65% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Phoenix, improving your credit to "Fair" could help you earn a $1,871 decrease in yearly insurance premiums.
PHOENIX CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Annual 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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Phoenix Agents
General Southwest Insurance Agency
5628 E Thomas Road, Phoenix, AZ 85018
Crown Insurance Corporation
2432 W Peoria Ave Ste 1072, Phoenix, AZ 85029
Ancap Insurance Company, Inc.
8802 N 4th St, Phoenix, AZ 85020
Kaylor Insurance Group, Inc.
3233 W Peoria Ave Suite 206, Phoenix, AZ 85029
Hill & Usher Insurance & Surety
3033 N 44th St Ste 300, Phoenix, AZ 85018
Pat Dumar-Smith Insurance Group, Inc.
2350 W Mission Ln Suite 3, Phoenix, AZ 85021
REC Agency Services, LLC
17045 N 7th St., Phoenix, AZ 85022
R.P. Ryan Insurance, Inc.
18501 N 40th St Ste 102, Phoenix, AZ 85032
American Premier Insurance Agency
16815 S Desert Foothills Pkwy Ste 140, Phoenix, AZ 85048
Minard-Ames Insurance Services, LLC
4646 E Van Buren St Ste 200, Phoenix, AZ 85008
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