CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Travelers rank among the cheapest car insurance providers in Phoenix, offering insurance for $588 and $622, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $1,739 per year on your car insurance policy.
- For drivers with a speeding violation, Travelers offers the most affordable full coverage car insurance in Phoenix, averaging $3,014 per year.
- Travelers is among the most affordable car insurance providers for drivers with a DUI in Phoenix, with an average annual full coverage cost of $3,151.
According to a detailed data analysis, Travelers, GEICO and Progressive provide cheap car insurance rates for drivers in Phoenix, Arizona for a full coverage policy.
In Phoenix, an adult with a clean driving record and good insurance score typically pays $886 per year for a state minimum car insurance policy and expect to pay $2,943 on average if you choose to purchase a full coverage policy.
Insurance companies take various factors into account, including age, driving history and car make and model, to determine premiums.
Location is another important factor that helps insurers calculate your insurance rates. Premiums vary significantly between cities and even by ZIP codes within the same city. High-traffic areas generally lead to more accidents and claims, so insurers also consider population density, road conditions and weather to determine rates.
That’s why our team of experts has created this guide to help you make smart decisions about car insurance. It also highlights the cheapest insurance companies in Phoenix.
Who offers the cheapest car insurance rates in Phoenix, Arizona?
GEICO offers the cheapest state minimum car insurance in Phoenix, with an average annual cost of $588 or $49 per month. For full coverage, Travelers provides the most affordable rates, averaging $171 per year for 100/300/100 limits and $500 collision and comprehensive deductibles.
See the companies below that offer affordable car insurance to drivers in Phoenix.
| 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 a key factor in determining car insurance rates in most cities, including Phoenix. It’s one of several factors insurers consider when determining premiums.
Teens (ages 16 to 19) are more prone to accidents because they’re inexperienced drivers. According to the Centers for Disease Control and Prevention (CDC), teen drivers are far more likely to be involved in fatal collisions than adult drivers. The higher the chances of an accident, the higher the car insurance rates.
Drivers in their 40s, 50s and 60s pay less for their car insurance premiums than teen drivers because they are more likely to follow traffic rules, according to the Insurance Information Institute (Triple-I), an industry research and outreach organization.
| 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
Car insurance rates increase after an at-fault accident in Phoenix for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Phoenix, Travelers offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are GEICO and Auto-Owners.
See the table below to see which insurers offer cheap auto insurance premiums for Phoenix drivers with an accident on their driving records.
| 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.
Final thoughts: Car insurance cost in Phoenix, Arizona
It’s a good idea to shop around and compare insurance quotes when your policy is up for renewal to ensure you get the best car insurance deal. You can maximize your savings by using available discounts, driving a car with excellent safety features and keeping a clean driving record.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed January 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed January 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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