Car Insurance in Phoenix
On average, Arizona premiums fall below the national average by $180. However, premiums run higher in the city, so if you are insuring a vehicle in Phoenix, understanding premium costs is imperative. Going over some ways to save on Phoenix car insurance can save you money.
- City Average: $1,530
- State Average: $1,247
- National Average: $1,427
Phoenix Car Insurance by Gender and Marital Status
Both gender and marital status can play a part in your car insurance premiums in Phoenix. 1% is the amount by which men's and women's car insurance premiums differ. Rates for those who are widowed are marginally cheaper than rates for those who are single. Being married, as opposed to single, can save you around 7% per year.
- Female: $1,547
- Male: $1,530
- Single: $1,530
- Married: $1,420
- Divorced: $1,530
- Widowed: $1,506
Phoenix Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the largest percent drop in premiums when they boost their credit from Very Poor (300-579) to Fair (580-669). That change can save them 22% per year.
- Very Poor: $3,205
- Fair: $2,503
- Good: $1,989
- Very Good: $1,608
- Exceptional: $1,324
Phoenix Car Insurance by Age
Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,345 each year. Teenage drivers have the highest rates amongst all the age groups. They have car insurance payments that average $6,524. When Phoenix drivers hit their 20s, therefore moving out of the teenage age bracket, they pay 68% less in premiums, which is the largest difference you'll see between any age group. The first time drivers can anticipate their age to trigger an increase in premiums is when they turn 60.
- Teenagers: $6,524
- 20s: $2,056
- 30s: $1,508
- 40s: $1,450
- 50s: $1,345
- 60s: $1,415
- 70s: $1,818
Phoenix Car Insurance by Accident or Violation History
By knowing which driving mishaps can balloon your rates, you can make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. $1,132 is the extra cost per year for drivers with a DUI in Phoenix, compared to the city average of $1,530. Reckless driving will also drive your premiums up, with average rates of $3,465, which are 126% higher than the city average! You can expect your annual car insurance premiums to increase by 58% if you are found at-fault in an accident in Phoenix.
- DUI: $2,662
- Reckless Driving: $3,465
- At-fault Accident (damages less than $1000): $2,421
- At-fault Accident (damages greater than $2000): $2,421
- Speeding Ticket (16-20 mph over speed limit): $2,058
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
Find Local Phoenix Agents
Kaylor Insurance Group, Inc.
3233 W Peoria Ave Phoenix, AZ 85029
Ancap Insurance Company, Inc.
8802 N 4th St Phoenix, AZ 85020
Hill & Usher Insurance & Surety
3033 N 44th St Ste 300 Phoenix, AZ 85018
American Premier Insurance Agency
16815 S Desert Foothills Pkwy Phoenix, AZ 85048
R.P. Ryan Insurance, Inc.
18501 N 40th St Ste 102 Phoenix, AZ 85032
Crown Insurance Corporation
2432 W Peoria Ave Ste 1072 Phoenix, AZ 85029
REC Agency Services, LLC
17045 N 7th St. Phoenix, AZ 85022
Minard-Ames Insurance Services, LLC
4646 E Van Buren St Ste 200 Phoenix, AZ 85008
Pat Dumar-Smith Insurance Group, Inc.
2350 W Mission Ln Phoenix, AZ 85021
General Southwest Insurance Agency
5628 E Thomas Road Phoenix, AZ 85018
The average Phoenician's annual cost of coverage
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Phoenix Car Insurance
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