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 Average||State Average||National Average|
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 Violation||Mean Rate|
|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/Gender||Average Rate|
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 Level||Average Rate|
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
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 Zip Codes85035 85019 85009 85017 85031
Cheap Zip Codes85048 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
Car Insurance Companies in Phoenix
Find Local Phoenix Agents
Minard-Ames Insurance Services, LLC
4646 E Van Buren St Ste 200 Phoenix, AZ 85008
R.P. Ryan Insurance, Inc.
18501 N 40th St Ste 102 Phoenix, AZ 85032
General Southwest Insurance Agency
5628 E Thomas Road Phoenix, AZ 85018
The average Phoenician's annual cost of coverage
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