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Here you’ll learn everything you need to know to buy the best car insurance policy in Phoenix for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood. You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Phoenix drivers are affected by tickets, accidents and adding teen drivers.

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 policy holders and rate data analysis.

Best forCompany
ClaimsAllstate
Value/PriceGeico
Customer ServiceAllstate
Websites/AppsProgressive
RecommendAllstate
Low Annual MileageState Farm Mutual Auto
Good StudentFarmers Ins Co of AZ
BundleAllstate F&C
Paid in FullAllstate F&C

Cheap Car Insurance in Phoenix, Arizona

Geico Cas Co and Progressive Advanced Ins Co have the cheapest car insurance rates in Phoenix, based on our rate analysis for three different coverage levels. The driver profile is for age 30, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below

CompanyLiability Only - State Minimum BI/PDLiability Only - 50/100/50 BI/PDFull Coverage - 100/300/100 BI/PD - 500 Comp/Coll
Geico Cas Co$358$459$1,108
Progressive Advanced Ins Co$560$720$1,475
State Farm Mut Auto Ins Co$739$946$2,078
Allstate Fire & Cas Ins Co$849$993$3,485
Farmers Ins Co Of AZ$979$1,256$2,876
Nationwide Ins Co Of Amer$1,178$1,386$2,650

Car Insurance Coverage – How Much Car Insurance do I Need in Phoenix?

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

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, it makes sense to get comprehensive insurance and collision coverage. In Arizona, comprehensive costs $212 and collision costs $775 , 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 amounts 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, vandalism.
  • Collision, which pays for damage to your car from accidents.

The average rate for Phoenix drivers for a year of minimum coverage is $777 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $15.25 more a month, or $183 more a year. You can get full coverage (100/300/100) by paying $125.17 more a month, or an additional $1,502 a year more than minimum-level coverage.

Phoenix average for:

  • Minimum coverage: $777
  • 50/100/50: $960
  • 100/300/100: $2,279

Average Car Insurance Rates in Phoenix

CarInsurance.com analyzed car insurance rates from six car insurance companies for nearly every ZIP code in Arizona. Here's how Phoenix's highest average rate $2,595 for ZIP 85017 compares to others, for a full coverage policy of 100/300/100 for a driver age 30:

  • $684 more than the least expensive average rate $1,911 in ZIP code 85048
  • $812 more than the state average $1,783
  • $836 more than the national average rate $1,759

Compare Car Insurance Quotes in Phoenix – How to Save on Insurance Policy?

You can save an average of $2,377 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.

Why Does Comparing Car Insurance Quotes Save Money?

No two insurance companies will charge the same amount of money for the same policy. So if you compare car insurance quotes and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier surveyed for ZIP code 85017 , the priciest ZIP code Phoenix car insurance, was $3,752 . The lowest was $1,189. The difference is $2,563, which is how much you could overpay. That’s why car insurance comparisons are paramount to finding the best cheap car insurance for your situation.

Phoenix Car Insurance FAQ’s

How much does insurance go up after a speeding ticket in Phoenix?

A speeding ticket in Phoenix will hike your car insurance rates by an average of 27% , or about $506 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.

Phoenix drivers can expect to see a hike in their rates in the range of 18% for minor moving violations such as tailgating or blowing through a stop sign, 139% 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.

ViolationAverage rateRate after violation$ Increase% Increase
DUI/DWI third offense$1,852$11,204$9,352505%
DUI/DWI second offense$1,852$7,687$5,835315%
Operating a vehicle in a race (highway racing)$1,852$4,421$2,569139%
DUI/DWI first offense$1,852$4,243$2,392129%
Reckless driving$1,852$3,271$1,41977%
2 speeding tickets 11 mph or over$1,852$2,881$1,03056%
Improper/illegal pass$1,852$2,290$43824%
Careless driving$1,852$2,237$38521%
Following too closely$1,852$2,193$34218%
Failure to yield$1,852$2,193$34218%
Failure to stop$1,852$2,193$34218%
Distracted driving ticket$1,852$2,193$34218%
Improper turn$1,852$2,183$33218%
Texting ticket$1,852$2,181$32918%
Talking on cellphone ticket$1,852$2,181$32918%
Seatbelt infraction$1,852$1,964$1126%
Driving without insurance$1,852$1,862$111%
Driving without a license or permit$1,852$1,862$111%

An accident will increase car insurance rates by 15% to 26%, 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.

AccidentAverage RateRate after claim$ Increase% Increase
2 At-fault property damage accident over $2k$1,852$4,158$2,307125%
At-fault bodily injury accident$1,852$2,332$48026%
1 At-fault property damage accident over $2K$1,852$2,332$48026%
1 At-fault property damage accident under $2K$1,852$2,127$27515%

In Phoenix, adding a 16-year-old daughter to your policy will hike your rates by $3,081 annually, or 166% It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $3,995 , or 216% 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."

CarInsurance.com data show that for drivers in Phoenix, your rate will go up by an average of $2,600 or 140%. 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 are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.

Phoenix commuters

The average drive time in 2018 for Phoenix workers 16 and older to their job was 25.7 minutes, which is less than the national average of 26.1, according to the U.S. Census.

The mean time calculated by the Census includes time spent waiting for public transportation, picking up passengers in carpools and other activities related to getting to work.

Phoenix commuters' modes of transportation to work, according to the 2018 U.S. Census:

  • Drive alone: 74%
  • Carpool: 13%
  • Public transit: 3%
  • Bicycle: 1%
  • Walk: 1%
  • Other: 2%
  • Work at home: 6%

A 2017 study issued by Data USA showed Phoenix commuters logged in an average time of 24.8 minutes. Additional data compiled by Data USA in that same year found that 1.96% of the workforce in Phoenix are "super commuters," meaning they drive an excess of 90 minutes to their job.

Cough! Phoenix congestion

They say the air is better in Arizona. If you've got breathing problems, Phoenix is a great place to live. And Phoenix is no Boston, Los Angeles, Chicago or Washington, DC, when it comes to traffic congestion, either, faring much better than any of them.

In an annual report conducted by INRIX, Phoenix dropped from the number 134 spot in 2017 to the 125th slot in 2018 on the "most congested urban areas in the world" list. It came in at number 22 in the U.S. The country's list is topped by Boston, Washington, DC, Chicago, New York City and Los Angeles.

Phoenix drivers lost up to $1,013 each per year due to congestion. That’s not bad when compared to Boston, which lost up to $2,291. According to the study, Phoenix drivers spend 73 hours stuck in congestion per year.

GPS company TomTom releases an annual traffic index, ranking the most congested cities by country and the world. With a 17% congestion level, Phoenix landed at number 56 in North America in a 2018 list that was topped by Mexico City, Los Angeles, Vancouver and New York, and showed no change from 2017. Phoenix ranked as the number 326 most traffic-congested by world's standards on the TomTom list.

Vehicle ownership

Compared nationally, Phoenix households (and there are some 608,384) are within the average range for car ownership, which is two cars. The largest share of households in the city has two cars, followed by one car, according to recent statistics from Data USA. Less than 4% of households have five cars or more.

Phoenix motor vehicle crashes

There were 43,976 vehicle crashes in Phoenix in 2018, according to a report from the Phoenix Department of Transportation. Statewide, there were 127,056 crashes in 2018, as compared to 127,805 in 2017, which is less than a 1% change.

Vehicle crashes in Phoenix 2018:

  • Fatal: 234
  • Causing injuries: 11,823
  • Property damage only: 31,919

In those Phoenix crashes, 246 people were killed and 17,265 were injured, according to the report. There were a total number of 1,010 killed in automobile crashes in the state in 2018.

Fatal Phoenix crashes involving young drivers

There were a total of 91 fatal car accidents in Phoenix involving drivers between the ages of 15-19 from 2014 to 2018, according to the National Highway Traffic Safety Administration.

Fatal crashes with drivers between the ages of 15-19:

  • 2014: 18
  • 2015: 17
  • 2016: 20
  • 2017: 21
  • 2018: 15

DUIs

Of the 43,976 crashes that occurred in Phoenix in 2018, 1,253 of those were alcohol-related, according to an Arizona Department of Transportation report.

In those DUI crashes, 86 were killed and 707 injured in 2018 in Phoenix. There were 261 alcohol-related crash fatalities in Arizona in 2018, dropping nearly 20% in 2017, when there were 324 in the state.

Bicycle and pedestrian fatalities

Phoenix is part of Maricopa County, which saw 1,321 pedestrian (including bicycles) crashes in 2018.

Of those, 164 were fatal, 1,126 caused injuries and 31 involved property damage only. In that total number of crashes, 166 pedestrians were killed and 1,176 sustained injuries in Maricopa County in 2018, according to a report from the Arizona Department of Transportation.

An analysis by the Arizona Republic in 2019 discovered that Phoenix has the state's highest rate of pedestrian deaths among cities with populations above 10,000. The number of pedestrians killed by cars has more than doubled since 2010.

The same study designated the "hot spots," where a majority of Phoenix's pedestrian-related crashes have occurred.

The Republic's findings as reported on AZcentral.com:

19th Avenue, north and south of intersection with Dunlap Avenue

  • Total fatalities -- 2
  • Total serious injuries -- 10
  • Fatalities outside intersections -- 2

Northern Avenue, near intersection with 12th Street

  • Total fatalities -- 5
  • Total serious injuries -- 2
  • Fatalities outside intersections -- 3

Around intersection of 35th Avenue and Glendale Avenue

  • Total fatalities -- 3
  • Total serious injuries -- 12
  • Fatalities outside intersections -- 3

27th Avenue, Bethany Home Road to Claremont Street

  • Total fatalities -- 6
  • Total serious injuries -- 4
  • Fatalities outside intersections -- 6

Camelback Road, 19th Avenue to I-17

  • Total fatalities -- 3
  • Total serious injuries -- 12
  • Fatalities outside intersections: -- 2

35th Avenue, Grand Avenue to Glenrosa Avenue

  • Total fatalities -- 2
  • Total serious injuries -- 8
  • Fatalities outside intersections -- 1

Around intersection of 27th Avenue and Indian School Road

  • Total fatalities -- 3
  • Total serious injuries -- 10
  • Fatalities outside intersections -- 1

Indian School Road, 19th Avenue to 23rd Avenue

  • Total fatalities -- 3
  • Total serious injuries -- 12
  • Fatalities outside intersections -- 3

Indian School Road, 7th Street to 12th Street

  • Total fatalities -- 4
  • Total serious injuries -- 9
  • Fatalities outside intersections -- 4

Thomas Road, Central Avenue to 3rd Street

  • Total fatalities -- 2
  • Total serious injuries -- 8
  • Fatalities outside intersections -- 0

McDowell Road, 40th Street to 43rd Street

  • Total fatalities -- 5
  • Total serious injuries -- 8
  • Fatalities outside intersections -- 5

7th Avenue, starting just north of Buckeye Road to Cocopah Street

  • Total fatalities -- 4
  • Total serious injuries -- 6
  • Fatalities outside intersections -- 4

Most dangerous intersections in Phoenix

There are several "problem areas" in terms of traffic in Phoenix. Based on a report by USA Today partner, the Arizona Republic, law firm Mushkatel, Robbins & Becker, PLLC, put together a list of the 5 most dangerous intersections in Phoenix.

They are, as described by Mushkatel, Robbins & Becker:

  • 27th Avenue and Camelback Road: This area of high traffic is congested by students and workers coming from and going to Grand Canyon University. This area is also frequented during work commutes.
  • 67th Avenue and Indian School Road: This intersection is located in a densely populated area for homes and apartments. As a result, the area becomes highly congested during the early and evening "rush hours." In the mid-afternoon, students returning home from school can also fill the roads.
  • 75th Avenue and Indian School Road: This area of Indian School Road widens just past this intersection. Motorists anticipate this opening and often accelerate through the intersection to attempt to beat red lights and limit their delay times.
  • 59th Avenue and Thomas Road: Another popular commuter thoroughfare, this area also sees traffic to the Cartwright School located to the southeast. Particularly busy times occur at the start and dismissal of school.
  • 67th Avenue and McDowell Road: Commuters coming from multiple areas meet here if they want to avoid I-10. These commuters rarely slow for the residential traffic that originates from this intersection.

Guzzling gas

The Arizona Department of Motor Vehicles reports that nearly 1.8 billion gallons of gas were purchased in Maricopa County, which includes Phoenix, in 2019. Gas and diesel combined came to about 1.95 billion gallons in that same year.

Completing the Phoenix loop system with the South Mountain Freeway

West Phoenix drivers welcome the 22-mile South Mountain Freeway in 2020, when it is scheduled for full completion, although traffic is expected to be using the freeway earlier.

The AZ Department of Transportation said the freeway will provide a long-planned direct link between the East Valley and West Valley and a much-needed alternative to I-10 through downtown Phoenix. Approved by Maricopa County voters in 1985 and again in 2004 as part of a comprehensive regional transportation plan, the South Mountain Freeway will complete the Loop 202 and Loop 101 freeway system in the Valley.

Phoenix's most dangerous roads

Driving can be dangerous no matter the road, but in every city, there are certain streets, highways and roads that pose more of a risk than others.

According to this list with descriptions composed by FindLaw, these are the most dangerous roads in the Phoenix area:

  • Bell Road: As a major corridor through the Valley, Bell Road carries a lot of traffic and makes a lot of turns. It’s estimated that 90,000 drivers use this roadway every day. The problem is the large number of intersections and surrounding strip malls that attract many motorists. Be especially careful at the 7th Street intersection.
  • Interstate 10: This span has caused up to 85 fatalities in a single year (out of 700 across all of Arizona). The problem isn't just the number of accidents, but the severity of the crashes due to freeway speeds.
  • Indian School Road: One of the widest roads in Maricopa County, and more lanes mean more opportunities for drivers to collide.
  • Dunlap Avenue and 35th Avenue: Nearly 70,500 vehicles traveled through this intersection each weekday, making Dunlap and 35th one of the busiest intersections in Maricopa County. Traffic engineers call this intersection a "perfect storm" due to its mixed use.
  • Peoria Avenue: Peoria Avenue suffers from congestion and too many speeders.
  • Interstate 17: The road between Phoenix and Flagstaff may be scenic, but don't let the Red Rocks of Sedona distract you from driving.
  • 59th Avenue: The most dangerous part of 59th Avenue is north through Glendale.
  • 19th Avenue and Northern Avenue: This is another major east-west artery that suffers chronic congestion, leading to reckless driving and, ultimately, more accidents.

Phoenix distracted drivers

In April 2019, Arizona became the 48th state to ban drivers from using handheld cell phones while driving. The distracted driver law says that drivers cannot operate a cell phone, in any way, or send or read any texted communication. They also cannot hold or support a mobile device with their body while driving.

The law officially goes into effect in January 2021, when drivers can be fined up to $149 for the first offense, and at least $150 for each subsequent offense. The law does not apply in emergency situations.

According to the National Highway Traffic Safety Administration, there have been 52 deaths that involved distracted driving in Phoenix between the years of 2014 and 2018.

Phoenix deaths involving distracted drivers:

  • 2014: 18
  • 2015: 10
  • 2016: 4
  • 2017: 13
  • 2018: 7

Driving tourists: beware in downtown Phoenix

According to tripsavvy.com, there are "three major issues that most tourists face when driving in downtown Phoenix: troubles understanding where the METRO Light Rail runs, problems navigating the exits along the 202 Loop and navigating the ‘suicide lanes’ on 7th Avenue."

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