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
Suspended license
$1,190
$2,321
$2,421
$3,507
$1,840
Open container
$850
$2,321
$2,421
$2,126
$1,840
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
Not showing documents
$1,117
$1,248
$1,322
$2,303
$1,840
Running 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
How much is car insurance per month in Arizona?
Drivers in Arizona pay an average of $1,565 per year for car insurance, which breaks down to $130.42 per month. Drivers in Phoenix pay an average of $165.67 per month, which is $35.25 higher than the state average.
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.
