Find Cheaper Phoenix, AZ Car Insurance Rates in 2024

Enter your Arizona Auto Insurance zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Phoenix Car Insurance rates average around $1,870 a year for full coverage, with comprehensive insurance costing $412, collision insurance costing $750, and liability insurance costing $496 for an average vehicle. Good drivers may find discount rates as low as $1,075, while higher risk drivers could see rates exceed $4,000 a year. State Farm, GEICO, and Progressive are the most popular auto insurers in Arizona, but The Hartford tends to have the overall cheapest rates.

If full coverage is not required, drivers could find liability-only coverage for as little as $48 a month, depending on the limits required. Arizona requires drivers to carry minimum bodily injury liability of $15,000 per person and $30,000 per accident, with minimum property damage liability of $10,000.

The information below details the average cost of car insurance, rates for high-risk and teen drivers, rates by vehicle make and model, average rates and discounts by company, and additional information.

Annual premium for full coverage: $1,630


Comprehensive $358
Collision $655
Liability $431

Average rates are figured based on a 40-year-old driver with a good driving record, full coverage with $500 physical damage deductibles, 30/60/30 liability limits, and rated for an average passenger sedan.

Price Range for Phoenix Car Insurance Rates

Drivers will find the cheapest rates for a liability-only policy, which is the minimum coverage required for any vehicle in Arizona. Adding full coverage (comprehensive and collision insurance) adds approximately $1,285 a year to the cost of a policy. Higher deductibles can lower this cost by around $260 a year, while lower deductibles could cost over $510 a year more.

Drivers with excessive minor driving violations or major violations like DUI, reckless driving, or driving on a suspended license, could pay as much as $180 a month more than the average good driver. They may be required to purchase insurance from a non-standard company, which specializes in high-risk car insurance.

Liability Only $510
Full Coverage $1,630
High Risk $3,520

Auto insurance prices can be significantly different based on exactly where you live in Phoenix. To get the most accurate assessment of how much coverage will cost, enter your zip code below for a list of companies that offer low online rates.

Enter your Phoenix zip code below to view companies that have cheap auto insurance rates.

View Chart as Image

Phoenix Car Insurance Cost Comparison
Chart showing car insurance rates in Phoenix range from the cheapest discount rate of $1,075 a year up to the highest price for a 16-year-old driver at $6,905 a year

Phoenix Car Insurance Rates by Vehicle Make and Model

The type of vehicle you drive has a significant impact on how much car insurance costs. Vehicles with more performance, higher price tags, or increased frequency of liability claims will cost more to insure. Lower-cost vehicles with excellent safety ratings generally have the best insurance rates in Phoenix.

Phoenix Car Insurance Rates for Popular Vehicles
Make and Model Annual Premium Monthly Premium
Chevrolet Silverado $1,728 $144
Dodge Ram $1,775 $148
Ford Escape $1,358 $113
Ford Focus $1,582 $132
Ford Fusion $1,730 $144
Ford F-150 $1,534 $128
GMC Acadia $1,504 $125
GMC Sierra $1,694 $141
Honda Accord $1,523 $127
Honda Civic $1,786 $149
Honda CR-V $1,322 $110
Honda Pilot $1,551 $129
Hyundai Sonata $1,660 $138
Kia Optima $1,691 $141
Nissan Altima $1,677 $140
Nissan Rogue $1,644 $137
Toyota Camry $1,663 $139
Toyota Corolla $1,630 $136
Toyota Prius $1,515 $126
Toyota RAV4 $1,540 $128
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Phoenix Car Insurance Providers by Market Share and Average Price

State Farm insures the most vehicles in the state of Arizona, with over 17% of the written premium. GEICO and Progressive tend to be slightly cheaper on average than State Farm, and those two companies have a combined 23.1% of the Arizona auto insurance market.

Rates for these top ten companies are averaged for the entire state of Arizona, so since Phoenix has some of the higher rates in the state, average prices will be approximately 40% higher in that market.

Largest Arizona Car Insurance Companies
Rank Company Market Share Average Rate
1 State Farm 17.40% $1,350
2 Geico 13.43% $1,154
3 Progressive 9.67% $1,141
4 Farmers Insurance 8.84% $1,364
5 Allstate 8.67% $2,170
6 USAA 7.20% $1,102
7 American Family 5.78% $1,449
8 Liberty Mutual 5.36% $2,213
9 The Hartford 2.85% $828
10 CSAA 2.12% $1,201
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Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra

Drivers who qualify for multiple discounts could pay as much as 42% less than the average rates. The table below lists many types of discounts and which are available from each company.

Potential Car Insurance Discounts for Phoenix Drivers
Discount Geico Allstate State Farm Progressive
Bundled policies Yes Yes Yes Yes
Multi-vehicle Yes No Yes Yes
Theft prevention Yes Yes Yes Yes
Anti-lock brakes Yes Yes Yes No
Passive restraint Yes Yes Yes No
Daytime running lights Yes No Yes No
Newer vehicle No Yes Yes No
No accidents Yes Yes Yes Yes
Defensive driver Yes Yes Yes Yes
Active duty military Yes No Yes Yes
Employment Yes No No No
Full payment Yes Yes No Yes
Auto-pay Yes Yes No Yes
Loyalty No No Yes Yes
Early signing No Yes No No
Good grades Yes Yes Yes Yes
Student away from home No Yes Yes Yes
Homeowner No No No Yes
Seat belt usage Yes No No No
Get quote online No No No Yes
Teen driver No No No Yes
Government employee Yes No No No
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Phoenix AZ car insurance infographic

Five Steps to Lower Your Phoenix Car Insurance Rates

Everyone wants to pay less for insurance, and there are actions drivers can take to significantly lower their car insurance bill. These five steps can lower your car insurance rates by 50% or more.

  1. Buying full coverage increases cost more than anything else, so if your vehicle is getting close to 10 years old, it may be time to consider removing comprehensive and collision insurance entirely. Potential savings: $1,285 a year
  2. Qualifying for policy discounts is a great way to reduce the cost. Make sure you’re getting every discount you deserve, and take steps like bundling your home and auto policies to earn even more savings. Potential savings: $1,075 a year
  3. If full coverage is necessary, consider raising your policy deductibles to a higher level. Drivers generally save money in the long term by using higher deductibles, but only do so if you have adequate emergency funds set aside. Potential savings: $776 a year
  4. Being a safe driver is one of the best ways to prevent high rates. Drivers can go one step farther and take a defensive driving course or even allow your company to track your driving behavior using a telematics device. Potential savings: 30%
  5. The easiest way to instantly reduce your car insurance rates is to shop around and find a cheaper company. Phoenix drivers have a lot of choices when it comes to car insurance companies, and there is a very good chance you can find a lower rate simply by switching companies. Potential savings: 40% or more

Frequently Asked Questions

What is the average cost of car insurance in Phoenix, AZ?

The average annual cost for full coverage car insurance in Phoenix is around $1,870. Comprehensive insurance costs about $412, collision insurance costs $750, and liability insurance costs $496 for an average vehicle. However, rates can vary depending on factors such as driver age, driving record, and the type of coverage.

Can I find cheaper car insurance rates in Phoenix, AZ?

Yes, it’s possible to find cheaper car insurance rates in Phoenix. By comparing quotes from multiple insurance companies, you increase your chances of finding lower rates. Enter your Phoenix ZIP code to view companies that offer affordable auto insurance rates.

Which companies are popular for auto insurance in Arizona?

State Farm, GEICO, and Progressive are the most popular auto insurance companies in Arizona. State Farm has the largest market share in the state, but it’s worth comparing quotes from multiple companies to find the best rates for your specific needs.

Are there discounts available for car insurance in Phoenix, AZ?

Yes, many insurance companies offer various discounts that can help lower your car insurance rates. These discounts can include safe driver discounts, multi-policy discounts, and good student discounts, among others. Check with your insurance provider to see if you qualify for any discounts.

How does the type of vehicle affect car insurance rates in Phoenix?

The type of vehicle you drive can have a significant impact on your car insurance rates. Vehicles with higher performance, higher price tags, or higher likelihood of liability claims generally cost more to insure. On the other hand, lower-cost vehicles with excellent safety ratings tend to have lower insurance rates.

What are the requirements for car insurance in Arizona?

There are several steps you can take to lower your car insurance rates in Phoenix. These include maintaining a good driving record, choosing higher deductibles, qualifying for discounts, and comparing quotes from different insurance companies. By taking these steps, you may be able to significantly reduce your insurance premiums.

Rates by Driver Age

Phoenix Insurance Rates by Driver Age
Driver Age Premium
16 $6,009
20 $3,758
30 $1,702
40 $1,630
50 $1,487
60 $1,459

Full coverage, $500 deductibles

Rates by Deductible

Insurance Rates with Different Deductibles
Deductible Premium
$100 $2,075
$250 $1,868
$500 $1,630
$1,000 $1,397

Full coverage, driver age 40

Rates by Liability Limit

Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,630
50/100 $1,716
100/300 $1,824
250/500 $2,104
100 CSL $1,759
300 CSL $1,996
500 CSL $2,169

Full coverage, driver age 40

Rates for High Risk Drivers

Insurance Rates for High Risk Drivers
Age Premium
16 $8,582
20 $5,972
30 $3,601
40 $3,520
50 $3,357
60 $3,326

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $226

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $87
Multi-vehicle $84
Homeowner $23
5-yr Accident Free $122
5-yr Claim Free $105
Paid in Full/EFT $76
Advance Quote $81
Online Quote $116
Total Discounts $694
Rate after discounts $936

Discounts are estimated and may not be available from every company or in every state.

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