Learn how much car insurance costs in Phoenix. See which carriers are rated as the best car insurance companies for customer satisfaction and the average car insurance rates for your neighborhood. Find out how rates for Phoenix drivers are affected by tickets, accidents and adding teen drivers.
- The average car insurance rate for Phoenix drivers for minimum coverage is $688 a year, according to Carinsurance.com analysis.
- The liability coverage in Phoenix, AZ costs $886 per year.
- In Phoenix, full coverage car insurance policy costs $1,891 a year.
- In Phoenix, comparing quotes can help you save an average $2,158 on your car insurance rates annually.
How much does car insurance cost in Phoenix, AZ?
We all know that the cost of car insurance varies depending on your individual needs. But how much does it actually costs? CarInsurance.com analysed major insurers including Geico, Progressive, State Farm, Allstate and others, to determine average Phoenix coverage costs for different levels and types.
The average rate for Phoenix drivers for a year of minimum coverage is $688 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $16.50 more a month, or $198 more a year.
You can get full coverage (100/300/100) by paying $100.25 more a month, or an additional $1,203 a year more than minimum-level coverage.
Average auto insurance rates in Phoenix, AZThe following data shows what you can expect to pay for car insurance in Phoenix, on average.
- State Minimum Policy: $688 per year
- Liability Coverage (50/100/50): $886 per year
- Full Coverage (100/300/100): $1,891 per year
Who has the cheapest car insurance in Phoenix, Arizona?
GEICO and Nationwide have the cheapest car insurance rates in Phoenix, based on our rate analysis for three different coverage levels.
The driver profile is for age 40, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
Who has the best car insurance in Phoenix, AZ?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some, it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.
Below we list car insurance companies in Phoenix, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policyholders and rate data analysis.
How much car insurance do I need in Phoenix, AZ?
Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum car insurance requirements in Phoenix, AZ
Arizona car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.
If you have a newer model car, getting comprehensive insurance and collision coverage makes sense. In Arizona, comprehensive costs $223 and collision costs $706, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail and vandalism.
- Collision, which pays for damage to your car from accidents.
Compare car insurance quotes in Phoenix, AZ and save money
You can save an average of $2,158 annually on a full coverage policy in Phoenix by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.
Phoenix, AZ car insurance FAQs
How much does insurance go up after a speeding ticket in Phoenix, AZ?
A speeding ticket in Phoenix will hike your car insurance rates by an average of 41%, or about $1,178 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Phoenix can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.
How much does insurance car increase for tickets in Phoenix, AZ?
Phoenix drivers can expect to see a hike in their rates in the range of 40% for minor moving violations such as tailgating or blowing through a stop sign, 66% for more severe infractions such as DUI.
Below, you’ll see how much rates increase, on average, for common traffic violations.
Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.
How much will an accident raise my auto insurance in Phoenix, AZ?
An accident will increase car insurance rates by 47% to 100%, on average, for drivers in Phoenix. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase.
However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase. That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal.
The table below shows how much for drivers in Phoenix can expect to pay for common car insurance claims.
How much does it cost to add a teen driver to car insurance in Phoenix, AZ?
In Phoenix, adding a 16-year-old daughter to your policy will hike your rates by $2,881 annually, or 152%. It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $3,554, or 188% according to CarInsurance.com rate data.
Teen drivers are inexperienced and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure.
If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents’ guide to insuring a teen driver.”
How much is SR-22 insurance in Phoenix, AZ?
CarInsurance.com data show that for drivers in Phoenix, your rate will go up by an average of $1,619 or 56%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you carry the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
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Guide to car insurance (with rates) in cities of Arizona
Michelle Megna
Contributing Researcher
Ashlee Tilford
Managing Editor