Best Car Insurance Rates in Phoenix

Best cheap car insurance quotes in Phoenix

You should always get quotes from multiple insurance companies and compare them before selecting a policy. Depending on your background and driving history, your rates may vary.

Cheapest car insurance in Phoenix: Travelers

Travelers has the best rates for minimum-liability car insurance coverage in Phoenix, at just $46 per month. That's 24% less than State Farm, the next-best option, at 45% cheaper than the city average.

The average price for a basic policy in Phoenix is $83 per month.

However, you only get the lowest level of protection with minimum liability coverage. That means after an accident, all of your costs may not be covered. We suggest you buy as much coverage as you can, especially to protect an expensive vehicle.

Cheapest minimum-coverage car insurance in Phoenix, Arizona

Cheapest full-coverage car insurance in Phoenix: State Farm

The cheapest auto insurance companies for full coverage in Phoenix are State Farm, Travelers and Progressive. State Farm is the absolute lowest price, at $124 per month for a typical driver, and Travelers was the only other option under $150.

USAA is nearly as cheap as State Farm, at $126 per month. But only people who have served in the military and their families are eligible.

Full coverage auto insurance includes collision and comprehensive coverage, which protect a driver's own car.

Cheapest car insurance for drivers with prior incidents

Cheapest car insurance after a speeding ticket: State Farm

State Farm has the lowest prices for full coverage insurance for Phoenix drivers with a speeding ticket, at $132 per month. That's about half the cost of the city average of $262.

On average, a speeding ticket raises Phoenix drivers' rates by 32%, or $63 per month.

Cheapest car insurance after an accident: State Farm

State Farm's full coverage rates after an at-fault accident are the lowest, at $144 per month. Travelers is second cheapest at $204 per month.

Overall, Phoenix drivers can expect to pay $286 per month on average after causing an accident.

A typical driver will pay about 44% more for car insurance after an at-fault accident. This is because insurance companies have found that drivers who are responsible for one crash are more likely to make another claim in the future.

Cheapest car insurance after a DUI: State Farm

State Farm has the cheapest full-coverage car insurance for Phoenix drivers after a DUI, at $132 per month. That's 57% less than the city average of $306 per month.

In Phoenix, a DUI increases the full-coverage insurance rate 54%.

Cheapest car insurance for drivers with poor credit: Travelers

Travelers offers the best rates for drivers with poor credit, at $222 per month. That's 61% cheaper than the average overall.

Issues with credit can have a big impact on your car insurance rates — a bigger impact than a speeding ticket. On average, poor credit can increase your insurance bill by nearly 200%, to an average of $571 per month.

Cheapest car insurance for young drivers in Phoenix: Travelers

In Phoenix, younger drivers can save the most money with Travelers. There, you'll find liability-only coverage for just $117 per month — less than half the average price citywide.

The only other company with prices under $200 per month is USAA — but it's only available if you or a family member has served in the military.

Drivers who are only 18 years old are considered higher-risk for insurers, so they tend to pay much higher rates. Young drivers on average paid more than three times as much as a 30-year-old driver.

[list title="How young drivers can lower their insurance rates] Joining a parent's car insurance policy: This should be cheaper than buying two separate policies. It will raise the price of the parent's policy Looking for any discounts offered: Insurers will give discounts for good grades, avoiding accidents and safe driving among other things. Check the options available, and speak with your insurer about what you might be eligible for. [/list]

Cheapest car insurance for married drivers: State Farm

For married drivers, State Farm offers the best rates in Phoenix at $124 per month for full coverage. That's $13 cheaper than Progressive, the next best option, and 33% less than the average price.

Progressive's rate of $2,052 was $368 more than the average rate for married drivers in Arizona overall. Rates for married drivers tend to be lower than rates for unmarried drivers.

Insurers have found that married drivers are less likely to get in crashes. As a result, married drivers in Phoenix pay 8% less than single drivers.

Best car insurance companies in Phoenix

State Farm has responsive service and fewer complaints than an average company, and earned a 4.5/5 from ValuePenguin editors.

USAA is another excellent option thanks to its well-ranked claims department. But USAA is only available to military service members, veterans and some of their family members.

Although you might not factor in customer service when buying a new policy, you should consider that a crucial aspect of a company. Good customer service can save you hassle, time and possibly money if you have to make a claim to get your car back on the road.

Average car insurance rates in Phoenix by neighborhood

Meanwhile, Siesta Village is the most expensive neighborhood, where the average price for insurance is $236 per month — 35% more than in New River.

Where you live has an impact on your car insurance prices, even within a single city. You might pay more if your neighborhood has higher rates of car theft, or if the streets aren't in good shape, leading to more accidents.

Methodology

ValuePenguin collected data from nine top insurers in Arizona, averaged citywide in Phoenix. Rates are for a 30-year-old man who drives a 2015 Honda Civic EX. Unless otherwise stated, rates are for a full coverage policy for a driver with good credit.

ValuePenguin's analysis uses insurance rate data from Quadrant Information Services that is publicly sourced from insurer filings. Rates should be used for comparative purposes only, as your rates will likely differ.