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Phoenix Car Insurance

How much does car insurance cost in Phoenix, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Phoenix?

Phoenix is a diamond in the Sonoran desert. The Arizona capital is renowned for its unforgettable vista views, stunning mountain backdrops, and expansive natural settings. It has fantastic cultural attractions and pristine brush areas that residents may explore.

City dwellers can visit fun attractions, five-star restaurants, and world-renowned art galleries along Roosevelt Row. Outdoor enthusiasts may tour Phoenix’s numerous wildlife parks, organic farms, and rugged biking and hiking trails.

Phoenix residents can use the Valley Metro System to traverse through the area. Unfortunately, most people will need a car to visit the area's most rural regions.

Have you recently purchased a vehicle or planning to get one soon? In this article, you’ll learn the basics of Arizona’s motor vehicle laws. If you need insurance to cover your brand new ride, SmartFinancial can help. Just fill out the form on this page, and we'll send you quotes from local agents within your area.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Phoenix typically pay around $132.72 per month compared to the national average of $136.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $136.68
Arizona $113.11
Phoenix, Arizona $132.72

Phoenix, AZ Best Car Insurance Companies

car insurance in Phoenix

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Phoenix coming in around $95.73 per month. Other companies to consider if you live in Phoenix is Ameriprise Group with an average cost of $113.80 per month and USAA which typically runs around $126.63 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Phoenix.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $95.73-15.37%
2 Ameriprise Group $113.800.61%
3 USAA $126.6311.95%
4 Mercury Insurance $129.1814.20%
5 Mercury $157.0138.81%
6 ACCC Insurance Company $167.0447.67%
7 Farm Bureau Mutual (IA Group) $171.5251.63%
8 Travelers $172.5852.57%
9 American Family $173.5253.40%
10 Nationwide $180.9759.99%

How Much is Car Insurance in Phoenix, AZ?

how much is auto insurance in Phoenix

Rates can vary from city to city. The residents of Apache Junction typically pay $98.16 per month while people who live in Casa Grande will pay $103.67 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $98.16
Casa Grande $103.67
Chandler $118.41
Flagstaff $96.87
Gilbert $126.73
Glendale $128.60
Mesa $116.40
Peoria $123.90
Phoenix $133.61
Prescott $84.41
Scottsdale $116.29
Surprise $115.78
Tempe $120.56
Tucson $102.06
Yuma $88.46

Cheap Car Insurance in Phoenix by Zip Codes

find cheap auto insurance in Phoenix

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Phoenix, AZ ZIP CodeAverage Monthly Rate
85001$92.75
85003$129.27
85004$148.59
85006$127.70
85007$128.92
85008$125.95
85009$140.13
85010$95.49
85012$119.16
85013$126.61
85014$122.90
85015$131.84
85016$119.65
85017$143.40
85018$131.61
85019$153.27
85020$122.03
85021$130.15
85022$126.59
85023$125.75
85024$129.61
85025$106.32
85026$103.58
85027$126.30
85028$122.45
85029$133.66
85030$87.25
85031$144.68
85032$120.90
85033$147.52
85034$136.65
85035$160.43
85036$80.07
85037$128.74
85040$137.77
85041$143.71
85042$132.47
85043$153.53
85044$119.86
85045$131.74
85046$77.05
85048$121.75
85050$122.78
85051$135.44
85053$127.54
85054$128.73
85060$105.67
85063$96.69
85066$96.87
85069$95.53
85073$104.87
85074$71.33
85083$142.78
85085$124.10
85086$122.48
85087$99.01
85203$52.73
85308$105.48
85339$123.98
85345$84.57
85388$209.98
85701$110.13
86004$192.43

Car Insurance Rates by Driver's Age Group in Phoenix

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $317.46 per month in Phoenix. Compare that to drivers in their 30’s who typically pay around $124.57 per month drivers in their 40s at $112.00 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$317.46
20s$185.21
30s$124.57
40s$112.00
50s$102.33
60s$100.66
70+$121.21

Cheapest Insurance for Teenage Drivers in Phoenix

If you are teen in Phoenix you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Ameriprise Group typically charges around $212.73 per month. This is likely the most affordable option in Phoenix. You might also want to consider USAA and Farm Bureau Mutual (IA Group) who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Ameriprise Group$212.73
USAA$342.85
Farm Bureau Mutual (IA Group)$367.83
ACCC Insurance Company$373.08
American Family$378.75

Cheapest Insurance for 20 Year-olds in Phoenix

20 year-olds in Phoenix might want to consider Clearcover who, on average, offers car insurance rates around $111.95 per month. Ameriprise Group , USAA , Mercury Insurance and American Family are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$111.95
Ameriprise Group$161.30
USAA$181.43
Mercury Insurance$191.27
American Family$222.17

Cheapest Insurance for 30 Year-olds in Phoenix

If you are in your 30s in Phoenix our research has found that Clearcover typically has the most affordable coverage coming in around $94.60 per month, followed by Ameriprise Group at $101.32 and USAA at $114.58.

CompanyAverage Monthly Rate
Clearcover$94.60
Ameriprise Group$101.32
USAA$114.58
Mercury Insurance$120.45
Mercury$135.41

Cheapest Insurance for 40 Year-olds in Phoenix

On average, Ameriprise Group offers car insurance for 40 year-olds in Phoenix for around $87.85 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$87.85
Clearcover$91.97
USAA$102.00
Mercury Insurance$102.90
Mercury$118.45

Cheapest Insurance for 50 Year-olds in Phoenix

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Phoenix we found that Ameriprise Group generally offers the most affordable coverage at $80.71 per month.

CompanyAverage Monthly Rate
Ameriprise Group$80.71
Clearcover$84.50
Mercury Insurance$85.48
USAA$94.62
Mercury$106.04

Cheapest Insurance for 60 Year-olds in Phoenix

If you live in Phoenix and you’re in your 60s, our data indicates that Ameriprise Group usually has the best rates at $83.81 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$83.81
Mercury Insurance$88.54
Clearcover$91.26
USAA$94.94
Mercury$103.58

Driver's Coverage Auto Insurance Rates in Phoenix, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Phoenix, the average monthly rate for a driver who is currently insured is $124.57 while drivers who are not currently covered will pay around $144.83.

CoverageAverage Monthly Rate
Not Currently Insured $144.83
Currently Insured $124.57

Compare Recent Car Insurance Quotes in Phoenix

auto insurance quotes in Phoenix city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Phoenix a driver of a 2011 Chevrolet Equinox can expect to pay around $110.15 per month while someone that owns a 2019 FORD FIESTA may pay around $179.97 per month. Check out the list of recent quotes in Phoenix below.

VehicleAverage Monthly Rate
2011 Chevrolet Equinox$110.15
2019 FORD FIESTA$179.97
2010 BUICK LACROSSE$151.99
2004 Ford Expedition$76.92
2002 DODGE DAKOTA$99.57
2020 KIA TELLURIDE LX$169.07
2015 BMW 428 I$98.25
2008 CHEVROLET CORVETTE$143.15
2014 MAZDA MAZDA5$199.60
2002 Toyota Corolla$75.18

FAQ's for Drivers in Phoenix, AZ

driver’s frequently asked question in Phoenix

Phoenix, Arizona Auto Insurance Requirements

Arizona mandates every motor vehicle operated on its roads to have liability insurance coverage. The insurer must be authorized to conduct business within the state. All vehicles require coverage, including golf carts, motorcycles and mopeds.

What Is the Minimum Amount of Liability Coverage Requirement in Phoenix?

Arizona's Department of Transportation requires Phoenix residents to have car insurance that meets or exceeds the following minimum coverage:

  • Bodily Injury Liability Coverage: $25,000 per person / $50,000 per accident

  • Property Damage Liability Coverage: $15,000

  • Uninsured Motorist Bodily Injury Coverage: $25,000 per person / $50,000 per accident

  • Underinsured Motorist Bodily Injury Coverage: $25,000 per person / $50,000 per accident

The state's minimum requirements may not provide enough coverage when a driver is at-fault for a wreck. Drivers may consider purchasing a higher level of coverage, especially if they have considerable assets.

Do you need to buy a new policy or additional coverage? SmartFinancial can help you find affordable car insurance to ensure. Just fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Phoenix?

In Phoenix, individuals 21-years and older can receive DUI charges when their Blood Alcohol Concentration meets the following levels:

  • BAC above .08 percent while driving a passenger vehicle

  • BAC above .04 percent while driving a commercial vehicle.

Arizona drivers younger than 21 must have a 0.00 percent BAC, or law enforcement will charge them with a DUI.

If law enforcement pulls you over for a suspected DUI, individuals may undergo field sobriety testing. Drivers that refuse the testing may receive a one-year suspension of their driver's license for their first offense. Subsequent suspensions may result in a two-year suspension.

Unfortunately, few people have a perfect driving record. Drivers with DUI convictions can receive significantly higher auto insurance premiums. If you have a DUI conviction, SmartFinancial can help you find a lower premium rate. You can fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Phoenix?

No, you cannot. In Arizona, drivers must provide proof of insurance, a completed title, registration application, lien release (if applicable), all registration fees.

If you're searching for great auto insurance for your vehicle, SmartFinancial can help. Complete the form on this page and we'll provide you with quotes from local agents within your area. We're the smart, easy way to find insurance coverage.

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Commute Time in Phoenix, AZ

25.4 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Phoenix, AZ

232

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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