Cheap Car Insurance in Phoenix, AZ

Do you need auto insurance in Phoenix? At, you will find the best insurance rates close to you. To obtain free auto insurance quotes from the top rated providers today, enter your zip code into the quote box on this page.

Phoenix isn’t just the largest city in Arizona; it’s also the capital. When you think of Phoenix, the first pictures to pop into your mind may be scenes of the old west or a retirement community, but that barely scratches the surface of this city. The economic climate of Phoenix is very friendly to business and, when combined with the city’s low living expenses, also makes it a great place to live for people with families.

  • Fun fact: did you know that Phoenix is #1 on the list of “Top 101 cities with the highest number of days clear of clouds”? Learn more about Phoenix, AZ.

Auto Insurance Coverage Requirements in Arizona

Here are the state minimum insurance requirements for Arizona:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability10,00025,000
Uninsured Motorist Bodily InjuryNot required15,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Because Arizona only requires drivers to carry mandatory Liability coverage, it gives motorists the opportunity to save money each month by only purchasing a minimal amount of insurance. But keep in mind that Liability does not cover you if you get into an accident which was not your fault, if your car is damaged by severe weather, or if your car gets vandalized or stolen. You will have to purchase additional coverage to protect against such events. See how much you can save on Arizona auto insurance.

Your average Arizona driver probably pays around $67 per month on their premiums. This is pretty good, but Phoenix drivers can get as low as $57/mo* if they know what discounts to look for. Keep reading below to find out what those are.

Average Monthly Auto Insurance Premiums Legend: Phoenix Farmers State Farm Liberty Mutual Nationwide Safe Auto 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $36 $47 $71 $56 $63


Farmers, State Farm, and Nationwide seem to be offering the lowest rates in the Phoenix metropolitan area. But do they also offer the most discounts? How is their customer service department rated? How easy is it to file a claim with them? These are all important questions to ask yourself when you’re shopping around for a policy.

Auto insurance carriers contemplate several factors when assessing insurance quotes, including marital status, Type of vehicle owned, how old your vehicle is, your driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums vary from company to company. To verify you’re still paying the most affordable rate, compare cheap Phoenix auto insurance quotes online.

Major Car Insurance Factors in Phoenix

There is a range of many items which might factor into the rate quotes you obtain. Even though a portion of these elements aren’t really anything you can do something about, a few of them are elements which you can change for the better. Here are some components which might alter your car insurance premium:

Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Phoenix is 1,513,367 and the median income is $46,601.

Auto Insurance by Zip Code Legend: Chandler Phoenix Tucson Mesa Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $31 $36 $30 $28 $26 $36 $47 $38 $39 $37 $41 $71 $39 $52 $37 $46 $56 $43 $48 $46 $48 $63 $59 $48 $50 $49 $65 $42 $53 $49


Automotive Accidents

Although the population has dropped in recent years, accident statistics are climbing. Take a look at the chart below. There were 176 fatalities associated with accidents in Phoenix for the year 2013. High rates of accidents in your zip code might mean that you will have to pay more each month for your automotive insurance.

Fatal Accidents in Phoenix, AZ Legend: Phoenix Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 285 300 315 330 345 360 375 390 405 167 266 50 176 414 70


Auto Thefts in Phoenix

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Phoenix was 6,355 back in 2013. If you’re nervous about auto theft, then you might want to add Comprehensive coverage to your insurance policy. Yes, it’s more expensive (as the chart below shows), but is it more expensive than paying for a brand new car out-of-pocket?

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 180 190 200 210 220 230 240 250 260 $36 $91 $47 $123 $71 $269 $56 $114 $63 $145


Your Credit Score

Most people don’t realize how important their credit score is when determining their automobile insurance premiums. If you have poor credit, your monthly rate can be as high as double or triple that of someone with an excellent credit history.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 $28 $78 $38 $90 $54 $118 $50 $75 $59 $110


Your Age

Studies have shown that inexperienced teenage drivers are more likely to get into an accident than older adults. Because of this, it costs much more to purchase automotive insurance for young drivers. If you are a teenager, ask your provider about Drivers Ed or Good Student discounts.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 285 300 315 330 $36 $336 $47 $111 $71 $170 $56 $131 $63 $217


Your Driving Record

The more violations you have on your record, the more likely you are to file a claim – which will lead your provider to charge you higher premiums. But if you have too many citations, or commit a serious violation – such as a DUI – you may lose your coverage all together.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 $36 $44 $51 $52 $47 $52 $52 $57 $71 $71 Do Not Sell $106 $56 $66 $107 $80 $63 $75 $83 $87


Your Vehicle

You can get by with less coverage if you’re driving an economical car. But with luxury vehicles, you’re going to require more comprehensive coverage, which will yield higher monthly premiums. But there are ways to get discounts, even on luxury coverage.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 $36 $103 $47 $153 $71 $275 $56 $135 $63 $163


Minor Car Insurance Factors in Phoenix

Also, don’t forget about the following factors. They can influence your rate too:

Your Marital Status

If you are part of a married couple, there’s good news: you can save money on your automotive insurance policies if you bundle them together. As individuals, however, you won’t save very much being married vs. being single.

Your Gender

Our analysis of the data shows no significant difference in monthly premiums between male and female drivers. Some companies might charge women more, while others might charge men a higher rate. But even for companies who charge different prices, it usually varies by no more than 2-3%.

Your Driving Distance to Work

For the average motorist, their commute to work in Phoenix can last anywhere from 20-29 minutes, while some commutes might take a little less than that. With commute times like this, it’s no wonder nearly 15% of workers choose to carpool. Around 72% still prefer to drive their own car to work, though.

Don’t worry about your yearly mileage. Driving more miles, or pleasure commutes won’t make a huge dent in your monthly payment. However, business vehicles will have about 10% higher insurance premiums, so be wary of that unfortunate fact.

Your Coverage and Deductibles

Want to save money on your insurance each month? Try raising your deductible. A higher deductible means you will be charged lower monthly premiums by your insurance company. However, it also means that your repairs will be more expensive if the worst occurs.

Education in Phoenix, AZ

You might think that a fancy job or a huge yearly salary would net you some discounts – but you’d be wrong. Maximizing your education is what provides the additional benefit of maximizing your savings on car insurance. In Phoenix, most drivers have at least a high school diploma, while others have a year or more of college experience.

Phoenix is practically a college town considering all of the educational institutions residents have to choose from. The eastern campus of Arizona State University teaches many vocational programs, whereas doctorates and master’s degrees can be pursued at the Arizona school of Health Sciences. Phoenix is also home to Phoenix Community College and the East Valley Institute of Technology.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Arizona Department of Insurance

Arizona Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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