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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
On average, Phoenix drivers pay $173 per month for auto insurance, while the Arizona state average is $145 per month. Still, you can find a great policy for much cheaper — if you know where to look. We found that Auto-Owners has the best overall rates in Phoenix, but the cheapest company for you will depend on your unique driver profile and other important factors.
We analyzed thousands of car insurance quotes in Phoenix to find the cheapest companies for various age groups, coverage levels, and driving records.
Auto-Owners is the cheapest car insurance company in Phoenix, with rates averaging $74 per month.
Full-coverage car insurance costs $226 per month, while liability-only averages $119 in Phoenix.
Arizona drivers must have at least 25/50/15 liability insurance to legally drive in the Grand Canyon State.
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We already covered that the average Phoenix driver pays $173 per month, but these types of broad averages can only be so useful, since several different types of policies are available. The table below showcases average rates for the two most common policies — liability and full coverage — in Phoenix, Arizona, and across the U.S.
Area | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Phoenix | $119 | $226 | $173 |
| Arizona | $96 | $194 | $145 |
| United States | $106 | $210 | $158 |
The average cost of car insurance in Phoenix is $119 per month for liability-only and $226 for full coverage, according to Compare.com data. But you can still find a better deal if you know where to look.
Check out the next section if you’re looking for the cheapest rates in Phoenix.
Although Phoenix’s average car insurance rate is $173 per month, some companies offer policies for much less.
The table below shows Phoenix’s cheapest car insurance companies, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $74 |
| State Farm | $91 |
| GEICO | $94 |
| Root | $99 |
| USAA | $102 |
Our research found that Auto-Owners is the cheapest auto insurance company in Phoenix, with rates averaging $74 per month. Now, let’s look at the top insurance companies and the cheapest insurers based on the most significant rating factors.
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No single insurance company is best for everyone. The company that’s best for you ultimately depends on things like your age, driving record, budget, and coverage needs.
We evaluated dozens of Phoenix insurance companies to find the best options based on average rates, discounts, customer ratings, and available coverages.
The three companies below are some of your best bets if you have a spotty driving record, are a young driver, or are looking for the most discounts in Phoenix.
Average premium: $74 per month
Compare.com Rating: 4.43 out of 5
Offers rental auto gap coverage
Higher-than-average customer satisfaction
Multiple discounts available
Quotes only available through independent agents
Below-average customer reviews
Can’t report auto claims online
Auto-Owners is one of our top picks for affordable car insurance in Phoenix. It’s among the cheapest options for Arizona drivers with spotty driving records, whether you have a speeding ticket or a DUI. It also offers several unique coverages like rental auto gap coverage and has multiple discounts to help you get lower rates.
That said, you can’t file auto claims online except for glass claims. Quotes are also available only through independent insurance agents. Though Auto-Owners earned second place in the Southwest region in J.D. Power’s 2024 Auto Insurance Study, it has a poor customer rating for claims experience on Trustpilot.
Average premium: $91 per month
Compare.com Rating: 4.90 out of 5
Multiple ways for young drivers to save
Online quotes available
Can file and track claims online
Fewer available coverage options than competitors
Poor customer reviews
Most discounts require a clean driving record
State Farm offers Phoenix’s teens and young drivers multiple ways to save on insurance premiums, like Steer Clear, Drive Safe & Save, and driver training. But you typically must have a clean driving record to qualify.
You can get quotes, file claims, and track them online through State Farm’s website and mobile app. But State Farm doesn’t offer as many coverage options as its competitors and has earned poor reviews on Trustpilot for claims satisfaction.
Average premium: $94 per month
Compare.com Rating: 4.65 out of 5
Long list of available discounts
Many insurance products available
Highly rated mobile app
Gap coverage not available
Only four local insurance agents in Phoenix
Below-average customer and claims satisfaction
GEICO offers a long list of discounts to help you get lower rates in Phoenix, many of which don’t require a clean driving record. Still, the company has only a few agents in the area if you prefer to do business locally. Though it offers rental reimbursement and mechanical breakdown insurance, gap coverage isn’t available.
GEICO’s highly rated mobile app allows you to get quotes, make changes, file claims, and track claims 24/7. But it has a below-average rating in J.D. Power’s Auto Claims Satisfaction Study in the Southwest region.
The level of coverage you choose has a direct effect on your car insurance rates. Liability coverage equal to the state’s minimum requirements is the cheapest insurance policy available. It covers others if you cause injuries or property damage in an accident, but it doesn’t cover you or your vehicle.
State-minimum coverage averages $119 per month in Phoenix, but many companies offer policies for much less. The table below breaks down the cheapest liability-only companies in Phoenix, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $58 |
| State Auto | $72 |
| State Farm | $73 |
| GEICO | $75 |
| Root | $79 |
Phoenix’s cheapest liability-only insurance company is Auto-Owners, averaging $58 monthly. If you need full-coverage car insurance, let’s find out which companies are the cheapest.
Full-coverage insurance usually includes liability, comprehensive, collision, medical, and uninsured motorist coverage. These coverages can pay for everyone’s injuries and property damage, regardless of fault, which is why it’s more expensive than a liability-only policy.
The average cost of full-coverage car insurance in Phoenix is $226 per month. But the cheapest insurers in the area are far less expensive, as shown in the table below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $89 |
| State Farm | $110 |
| GEICO | $113 |
| Root | $119 |
| USAA | $123 |
Auto-Owners has the cheapest average full-coverage insurance rates in Phoenix, at $89 per month.
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Your driving history significantly affects your auto insurance rates because the more accidents and moving violations you’re involved in, the more likely you are to file future claims. High-risk drivers pay higher rates to offset the likelihood of future claims, while people with a clean history often get the best rates.
The table below highlights how your driving record affects rates in Phoenix specifically, according to Compare.com data.
Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $173 | Auto-Owners | $74 |
| Speeding ticket | $249 | Auto-Owners | $112 |
| At-fault accident | $254 | Auto-Owners | $115 |
| DUI | $289 | Auto-Owners | $135 |
Expect your rates to increase if you get a speeding ticket. In fact, the national average rate increase is 27% with one speeding ticket, according to our data. The average Phoenix driver pays $249 per month after a speeding ticket, but some companies offer policies for much cheaper.
We found that Auto-Owners has the most affordable average premium for Phoenix drivers with a ticket, at $112 per month.
You’ll pay higher rates if you cause a car accident — premiums increase by an average of 34% nationally after an at-fault accident, according to Compare.com data. In Phoenix, you can expect to pay around $254 per month after a single at-fault accident, based on our research.
The cheapest insurer for Phoenix drivers with an at-fault accident on their record is Auto-Owners, averaging $115 per month.
A DUI is a severe violation that can dramatically affect your car insurance premiums. Nationally, the average insurance increase after a DUI conviction is 50%, according to our rate analysis. In Phoenix, a DUI conviction increases average rates from $173 per month to a lofty $289, but that doesn’t mean you just have to accept these higher rates.
We found that Auto-Owners offers the lowest average rates for Phoenix drivers with a DUI conviction, at $135 per month.
One of the most significant rating factors for car insurance is your age. Young drivers typically pay the highest rates because they don’t have much driving experience and are more likely to be involved in accidents. But as you age, your insurance rates should decrease as you gain experience behind the wheel and prove you’re a safe driver.
The table below illustrates the average monthly rate in Phoenix and the insurers that offer the cheapest rates by age group, according to Compare.com data.
Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $336 | Auto-Owners | $148 |
| 20s | $220 | Auto-Owners | $108 |
| 30s | $166 | Auto-Owners | $81 |
| 40s | $148 | Auto-Owners | $74 |
| 50s | $131 | Auto-Owners | $67 |
| 60s | $119 | Auto-Owners | $61 |
| 70s | $129 | Auto-Owners | $61 |
Let’s take a look at which insurers are the cheapest for two age groups — teens and seniors.
Teenagers are the most expensive age group to insure because they’re the riskiest drivers. Teen drivers often speed, drive distracted or while drowsy, and don’t wear seat belts, contributing to higher-than-average car accidents and deaths, according to the National Transportation Safety Board (NTSB).
The average Phoenix teen pays $336 per month for car insurance, but Auto-Owners has the lowest rates in Phoenix, averaging $148 per month.
Seniors often get the cheapest car insurance rates of any age group because they usually avoid driving during peak times and tend to be more cautious than other age groups. This is good news for retirees, who typically have to tighten their budgets as they transition from working to enjoying their golden years.
Auto-Owners has the best rates for seniors, averaging just $61 per month for Phoenix residents in their 70s, according to our research. That’s much less than the citywide average of $129 per month.
State laws include minimum-coverage requirements that all drivers must follow, and Arizona is no different. Phoenix drivers must have limits of at least 25/50/15, according to the Arizona Department of Insurance and Financial Institutions, which breaks down to:
$25,000 of bodily injury liability (BI) coverage per person
$50,000 of BI coverage per accident
$15,000 of property damage liability (PD) coverage
Insurers must offer the same minimum limits for uninsured motorist coverage, but you can waive this coverage if you don’t want it. Keep in mind, though, that uninsured motorist coverage can protect you if someone hits you and doesn’t have insurance, doesn’t have enough liability coverage to pay for your injuries and vehicle damage, or leaves the scene without a note.
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If you think you’re paying too much for your Phoenix car insurance policy, follow these tips to save money without sacrificing important coverage:
Improve your credit score. Insurers use a credit-based insurance score to determine insurance costs. Paying your bills on time and having good credit can lower your rate.
Bundle your policies. Combining your car and homeowners insurance with the same company makes you eligible for a multi-policy discount, providing up to 25% in savings on your auto insurance.
Buy only the coverage you need. You probably need full coverage if you can’t afford to replace your vehicle or if you have a loan or lease. But if you have an older car you can afford to replace, consider liability-only coverage.
Compare quotes annually. It’s a good idea to compare car insurance quotes from multiple companies each year to ensure you’re getting the best price.
The following answers to some of the most commonly asked questions on car insurance in Phoenix may help you snag the lowest rates for your specific needs.
Auto-Owners has the cheapest car insurance in Phoenix, with an average cost of $74 per month, according to Compare.com data. But it won’t necessarily be the cheapest for you, since rates vary by several personal factors, like age, driving record, and coverage level.
Car insurance is expensive in Phoenix because of higher vehicle values, repair costs, and costly technology, according to a recent story by 12News. Each of these factors increases claim expenses, which means insurers pay more. Insurance companies don’t have to get approval to raise rates in Arizona; they just have to justify why they’re charging more.
The best car insurance company depends on your coverage needs, driving record, age, and budget. That said, we found that Auto-Owners has some of the most affordable rates in Phoenix, averaging $74 monthly.
The state of Arizona requires drivers to have at least 25/50/15 liability insurance and uninsured/underinsured motorist (UM/UIM) insurance, though you can decline the latter.
The Arizona Motor Vehicle Division (MVD) will suspend your driver’s license and vehicle plates if it finds out you’re driving without insurance. If found guilty, you’ll pay fines of $986.30 for the first offense, $1,425.80 for the second, and $1,883.30 for the third offense.
Sources:
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed July 28, 2024.
J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed July 28, 2024.
National Transportation Safety Board, “Teen and Young Driver Safety,” accessed July 28, 2024.
Arizona Department of Insurance and Financial Institutions, “Minimum Coverage Required for Arizona Drivers,” accessed July 26, 2024.
AZ Court Help, “What happens if I am pulled over and do not have car insurance?,” accessed July 26, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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