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 AverageState AverageNational Average
$1,602$1,221$1,569


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
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


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/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


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 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
Public Transit
Valley Metro Bus

Dial-a-Ride

2
Popular Day Trips
Tombstone Apache Trail Grand Canyon

Find Local Phoenix Agents

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

Ancap Insurance Company, Inc.

8802 N 4th St Phoenix, AZ 85020

Kaylor Insurance Group, Inc.

3233 W Peoria Ave 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

General Southwest Insurance Agency

5628 E Thomas Road Phoenix, AZ 85018

Hill & Usher Insurance & Surety

3033 N 44th St Ste 300 Phoenix, AZ 85018

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

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

Revised

204

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

See How Much You Can Save in Phoenix

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Recent Questions:

Phoenix Car Insurance

Can an insurance agent charge extra added fees just for making payments via ACH or for a hard copy of my policy?

While I don't think your insurance agent is doing anything illegal, it's good practice for agencies to have fee disclosures. They can charge fees for services to make a few extra dollars but they should disclose it.

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?

From my understanding, if the initial check did not cover your travel expenses but was for the repairs then you are still owed for that and should reopen the claim with that company. They, of course, would need the info and receipts to show what expenses you had. For future reference, I recommend using the initial claims payout for what it was meant for — your car's repairs, first and foremost.

Police report was taken after auto accident. Will it show who was cited?

The police cannot determine fault — only insurance adjustors can determine who was at fault, which can be based on a police report. When you file a claim, you should request the police report by contacting the police department.

Is it possible to purchase insurance on a car not owned by me?

Yes, you can get insurance for a vehicle not owned by you — the best option would be to have your friend add your name to the registration before getting insurance or get your own policy but have your friend listed there as insurable interest. You can also get non-owners insurance, but you should only opt for this if you don't plan on driving the car regularly as it only provides liability coverage, so you won't get full coverage with collision and comprehensive.