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.

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.

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.

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.

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.

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 Codes

85035   85019   85009   85017   85031  

Cheap Zip Codes

85048   85045   85044   85086   85087  

Be Prepared For

Driving in PHX

Major Highways
I-10 I-17 U.S. 60
Public Transit
Valley Metro Bus Dial-a-Ride
Popular Day Trips
Tombstone Apache Trail Grand Canyon

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

American Premier Insurance Agency

16815 S Desert Foothills Pkwy Phoenix, AZ 85048

Pat Dumar-Smith Insurance Group, Inc.

2350 W Mission Ln Phoenix, AZ 85021

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The average Phoenician's annual cost of coverage


Our customer's average savings after comparing insurance


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

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