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Phoenix Car Insurance Rates

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Drivers in Phoenix can expect to pay an average of $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: $1,870

Rate estimates by individual coverage type:

Comprehensive $412
Collision $750
Liability $496

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 Car Insurance in Phoenix

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 $585
Full Coverage $1,870
High Risk $4,040

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.

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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 ModelAnnual PremiumMonthly Premium
Chevrolet Silverado$1,980$165
Dodge Ram$2,036$170
Ford Escape$1,562$130
Ford Focus$1,814$151
Ford Fusion$1,991$166
Ford F-150$1,764$147
GMC Acadia$1,728$144
GMC Sierra$1,949$162
Honda Accord$1,753$146
Honda Civic$2,052$171
Honda CR-V$1,520$127
Honda Pilot$1,784$149
Hyundai Sonata$1,901$158
Kia Optima$1,938$162
Nissan Altima$1,929$161
Nissan Rogue$1,884$157
Toyota Camry$1,912$159
Toyota Corolla$1,870$156
Toyota Prius$1,739$145
Toyota RAV4$1,770$148
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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
RankCompanyMarket ShareAverage Rate
1State Farm17.40%$1,350
2Geico13.43%$1,154
3Progressive9.67%$1,141
4Farmers Insurance8.84%$1,364
5Allstate8.67%$2,170
6USAA7.20%$1,102
7American Family5.78%$1,449
8Liberty Mutual5.36%$2,213
9The Hartford2.85%$828
10CSAA2.12%$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
DiscountGeicoAllstateState FarmProgressive
Bundled policiesYesYesYesYes
Multi-vehicleYesNoYesYes
Theft preventionYesYesYesYes
Anti-lock brakesYesYesYesNo
Passive restraintYesYesYesNo
Daytime running lightsYesNoYesNo
Newer vehicleNoYesYesNo
No accidentsYesYesYesYes
Defensive driverYesYesYesYes
Active duty militaryYesNoYesYes
EmploymentYesNoNoNo
Full paymentYesYesNoYes
Auto-payYesYesNoYes
LoyaltyNoNoYesYes
Early signingNoYesNoNo
Good gradesYesYesYesYes
Student away from homeNoYesYesYes
HomeownerNoNoNoYes
Seat belt usageYesNoNoNo
Get quote onlineNoNoNoYes
Teen driverNoNoNoYes
Government employeeYesNoNoNo
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Phoenix AZ car insurance infographic

Five Steps to Lower the Cost of Car Insurance in Phoenix

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

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Rates by Driver Age

Phoenix Insurance Rates by Driver Age
Driver AgePremium
16$6,905
20$4,315
30$1,957
40$1,870
50$1,708
60$1,674

Full coverage, $500 deductibles

Rates by Deductible

Insurance Rates with Different Deductibles
DeductiblePremium
$100$2,383
$250$2,145
$500$1,870
$1,000$1,607

Full coverage, driver age 40

Rates by Liability Limit

Insurance Rates with Different Liability Limits
Liability LimitPremium
30/60$1,870
50/100$1,970
100/300$2,093
250/500$2,416
100 CSL$2,019
300 CSL$2,292
500 CSL$2,490

Full coverage, driver age 40

Rates for High Risk Drivers

Insurance Rates for High Risk Drivers
AgePremium
16$9,859
20$6,863
30$4,136
40$4,040
50$3,856
60$3,822

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 $259

Potential Rate Discounts

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

DiscountSavings
Multi-policy$99
Multi-vehicle$96
Homeowner$27
5-yr Accident Free$140
5-yr Claim Free$120
Paid in Full/EFT$87
Advance Quote$93
Online Quote$133
Total Discounts$795
Rate after discounts $1,075

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

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