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
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Phoenix is $886. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $34 more per month or $409 more per year.
For full coverage (100/300/100), you would pay an additional $171 per month or $2,057 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| 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% |
Compare car insurance quotes in Phoenix: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $1,739 per year or $145 per month on a full coverage policy in Phoenix, Arizona, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
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 February 2026.
- Insurance Information Institute. ‘Senior driving safety and insurance tips.’ Accessed February 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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