The best car insurance in Phoenix, AZ

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 18, 2021

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The average cost for a full coverage car insurance policy in Phoenix is $1,988 per year. That’s $423 more than the Arizona state average, which is $1,565 per year.

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Phoenix drivers can save on car insurance by comparing quotes from multiple companies to find their best rates. Policygenius makes it easy to see what you’ll pay with top companies, so you can choose the policy that’s best for you.

Key Takeaways

  • Root has the lowest average rate for a full coverage car insurance in Phoenix at $905 per year

  • Root is also the cheapest company for drivers in Phoenix with bad credit

  • Arizona requires a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage

Cheapest car insurance companies in Phoenix, AZ

Insurance costs depend on where you live, how old you are, your driving history, and the kind of car you drive. But rates can also vary from company to company, which is why the best way to find cheap car insurance is to compare costs before you buy.

Company

Average cost

JD Power Rating

Root

$905

--

GEICO

$1,151

871

Auto-Owners Insurance

$1,275

890

USAA

$1,442

890

State Farm

$1,662

881

Cheapest car insurance rates by ZIP code in Phoenix, AZ

Where you live also matters when it comes to car insurance. Reports of theft and vandalism in your neighborhood, the number of accidents and traffic tickets issued where you live, even the cost of repairs in your ZIP code can mean higher or lower rates depending on where you are.

ZIP code

Average cost

85003

$2,105

85004

$2,102

85006

$2,101

85007

$2,127

85008

$2,039

85009

$2,259

85012

$2,057

85013

$2,112

Choosing the right car insurance company in Phoenix, AZ

Choosing the right car insurance company for you all comes down to a few key factors.

  • Cost: Get quotes from multiple companies for comparison to see which offers you the best deal.

  • Coverage: The more coverage you buy, the better protected you’ll be in case of an accident, so figure out how high you can set your limits while still staying within your budget.

  • Service: Don’t just consider costs — you should also take a look at customer reviews, and claims satisfaction ratings before you buy.

Car insurance rates for drivers with driving violations in Phoenix, AZ

Any accidents or violations on your driving history will mean an increase in your rates, and more serious violations will have a more dramatic impact. Maintain a clean driving record in the months and years following an accident and your rates may eventually go back down.

Violation

Root

GEICO

Auto-Owners Insurance

USAA

State Farm

At-fault Accident

$1,187

$1,808

$1,871

$2,278

$2,000

DUI

$850

$2,321

$2,421

$3,672

$1,840

Driving with a suspended license

$1,190

$2,321

$2,421

$3,507

$1,840

Driving with an open container

$850

$2,321

$2,421

$2,126

$1,840

Driving with expired registration

$1,117

$1,296

$1,322

$2,303

$1,840

Driving without Lights

$1,117

$1,296

$1,322

$2,000

$1,840

Failure to show documents

$1,117

$1,248

$1,322

$2,303

$1,840

Failure to stop at a red light

$1,117

$1,296

$1,322

$2,000

$1,840

Cheapest car insurance for drivers with bad credit in Phoenix, AZ

Drivers with lower credit scores generally pay more for car insurance, so if you know you have poor credit, be sure to take time to shop around for coverage.

Company

Rates for drivers with bad credit

Root

$1,123

GEICO

$1,638

Nationwide

$2,755

Iowa Farm Bureau

$2,840

USAA

$3,044

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Buying car insurance in Phoenix, AZ

Arizona requires all drivers to have a minimum amount of car insurance, although most drivers need well over the state minimums in order to be fully protected. The following are the minimum amounts required by law:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $15,000

Insurance coverage must be maintained as long as the vehicle is being driven. Driving without car insurance could result in suspension of your vehicle’s registration or driver’s license.

How to get cheap car insurance in Phoenix, AZ

  • Drive safely: Avoid accidents and traffic violations and you’ll get lower rates

  • Compare quotes: Check quotes from multiple companies to find the best rate available

  • Ask about discounts: All car insurance companies offer discounts. Ask about reduced rates for low mileage drivers, safe drivers, good students, and even for professional groups including firefighters and nurses

  • Bundle policies: If you have renters or homeowners insurance, using the same company for your car insurance policy could help lower all your premiums

Frequently asked questions

Who has the cheapest car insurance rates in Phoenix?

Our current data shows that the cheapest car insurance companies in Phoenix are Root and GEICO, but costs will vary from driver to driver, so compare quotes to find the best rates for you.

Is Arizona a no-fault state?

No, Arizona is not a no-fault state. The insurance of the driver at-fault for an accident will pay for the other party’s related medical bills and repair costs.

Does Arizona require car insurance?

Arizona does require car insurance. Arizona requires all drivers to have a minimum of $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.