CarInsurance.com Insights
- CarInsurance.com’s data study found that GEICO and Travelers offer the cheapest car insurance rates in Phoenix at annual costs of $588 and $622, respectively, for state minimum coverage.
- You can save an average of $1,739 per year on a full coverage policy in Phoenix by comparing price quotes from different carriers.
- Drivers with a speeding ticket on their records can find the cheapest rates with Travelers at an average annual cost of $3,014 for full coverage.
- Travelers is one of the most affordable insurers for drivers with a DUI, with average annual premiums of $3,151 for full coverage.
Travelers, GEICO and Progressive are the top insurers with the most affordable car insurance rates for drivers in Phoenix, Arizona for a full coverage policy.
In Phoenix, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $886. If you upgrade to full coverage, the cost increases to $2,943.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers in Phoenix.
Who offers the cheapest car insurance rates in Phoenix, Arizona?
GEICO offers cheap car insurance rates in Phoenix at an average annual cost of $588 or $49 per month for state minimum coverage. On the other hand, Travelers has the most affordable full coverage car insurance rates at $171 per month, based on our data study.
Below, you’ll find the companies that offer cheap car insurance to Phoenix drivers.
| Insurance company | Annual premium |
|---|---|
| Travelers | $2,048 |
| GEICO | $2,282 |
| Progressive | $2,682 |
| Auto-Owners | $3,096 |
| Nationwide | $3,254 |
| Allstate | $3,516 |
| Farmers | $3,740 |
| State Farm | $3,787 |
| USAA | $2,079 |
Average car insurance rates in Phoenix
According to our rate analysis, the average cost of car insurance for state minimum coverage in Phoenix is $886. For liability-only coverage with limits of 50/100/50, you would pay $34 more a month or $409 more a year.
You can get full coverage (100/300/100) by paying $171 more a month or an additional $2,057 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| Coverage type | Annual premium |
|---|---|
| State minimum | $886 |
| Liability only (50/100/50) | $1,295 |
| Full coverage (100/300/100, $500 ded.) | $2,943 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $3,164 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $2,703 |
| Non-owners | $639 |
Cheapest rates for drivers in Phoenix, Arizona, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | GEICO | $6,079 |
| Young adults (20-24) | GEICO | $3,190 |
| Adults (25-60) | Travelers | $2,095 |
| Seniors (65-75) | Travelers | $2,148 |
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Cheapest car insurance rates for Phoenix drivers after a speeding ticket
Our data shows that Travelers has the most affordable car insurance rates for drivers in Phoenix after a speeding ticket, with an average annual cost of $3,014 or $251 monthly. Progressive and State Farm also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Phoenix drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,048 | $3,014 | 47% |
| Progressive | $2,682 | $3,792 | 41% |
| State Farm | $3,787 | $4,037 | 7% |
| GEICO | $2,282 | $4,273 | 87% |
| Farmers | $3,740 | $4,835 | 29% |
| Nationwide | $3,254 | $4,876 | 50% |
| Allstate | $3,516 | $5,281 | 50% |
| Auto-Owners | $3,096 | $5,604 | 81% |
| USAA | $2,079 | $2,697 | 30% |
Cheap car insurance for drivers with a DUI in Phoenix
If you have a DUI on your record in Phoenix, finding affordable car insurance can be challenging. However, Travelers, Progressive and State Farm offer affordable insurance rates for drivers in Phoenix after a DUI conviction.
The table below lists car insurance companies in Phoenix that offer affordable coverage for drivers with DUIs.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,048 | $3,151 | 54% |
| Progressive | $2,682 | $3,307 | 23% |
| State Farm | $3,787 | $4,037 | 7% |
| GEICO | $2,282 | $4,993 | 119% |
| Auto-Owners | $3,096 | $5,604 | 81% |
| Allstate | $3,516 | $5,764 | 64% |
| Nationwide | $3,254 | $6,777 | 108% |
| Farmers | $3,740 | $7,025 | 88% |
| USAA | $2,079 | $4,994 | 140% |
Affordable car insurers for Phoenix drivers after an at-fault accident
Dealing with an at-fault accident on your record in Phoenix can be stressful, especially when it impacts your car insurance rates. However, you can find affordable premiums by shopping around. In Phoenix, Travelers offers the cheapest premiums for drivers with an at-fault accident.
The table below will help you find affordable car insurance rates in Phoenix if you have an at-fault accident on your record.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| Travelers | $2,048 | $2,920 | 43% |
| GEICO | $2,282 | $3,576 | 57% |
| Auto-Owners | $3,096 | $4,351 | 41% |
| State Farm | $3,787 | $4,371 | 15% |
| Progressive | $2,682 | $4,473 | 67% |
| Nationwide | $3,254 | $4,673 | 44% |
| Allstate | $3,516 | $4,990 | 42% |
| Farmers | $3,740 | $5,993 | 60% |
| USAA | $2,079 | $3,233 | 55% |
How you can save on your car insurance policy
You can save an average of $1,739 annually or $145 monthly on a full coverage policy in Phoenix, Arizona, by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your location, age and driving record, this shows a significant benefit to shopping for your policy.
Expert’s take on getting car insurance in Phoenix
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Phoenix, Arizona. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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