Car Insurance in Phoenix
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Car Insurance in Phoenix, AZ
Phoenix, the bustling capital of Arizona, dazzles with its scorching summers, stunning desert landscapes, and a population exceeding 1.7 million, making it the largest city in the state. If you can get past your burning hot door handle and touch your steering wheel, you'll want to make sure you're protected from anything the streets of Phoenix may throw your way.
While Arizona mandates minimum liability insurance — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage — it's wise to consider additional coverage options due to Phoenix's dense traffic and extreme heat, which can accelerate vehicle wear and tear. In Phoenix, drivers pay an average of $3,001 annually for full coverage, while minimum coverage costs about $758 per year. Rates for full coverage are notably higher in Phoenix compared to the state average due to the city's dense traffic and higher risk factors like theft and accidents.
Insurance costs in Phoenix also vary significantly by age. Across Arizona, younger drivers aged 22 to 29 tend to pay higher premiums, averaging $5,719 annually for full coverage, likely due to being at a higher risk for driving incidents. Drivers aged 30 to 59 pay about $2,790 annually, while seniors aged 60+ see a slight decrease to $2,299 annually. Credit scores can also cause premiums to be higher or lower than the average. For instance, drivers with excellent credit pay around $2,143 annually, whereas those with poor credit can pay up to $4,505 annually.
How much is car insurance in Phoenix, AZ?
The total cost of auto insurance in Phoenix can fluctuate significantly depending on the coverage options you select. For a broad overview, here are the average prices for the three most commonly chosen coverage types in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Phoenix?
Assessing and ranking the insurance costs for each car make, model, and year in the city is a difficult task. However, if you are looking to discover which newer models typically have lower insurance premiums, here are the top 10 most economical car makes and models to consider in Phoenix:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $192 |
| 2 | Honda Cr-V | $193 |
| 3 | Dodge Grand Caravan | $200 |
| 4 | Toyota Corolla | $205 |
| 5 | Toyota Rav4 | $205 |
| 6 | Kia Sedona | $206 |
| 7 | Ford Escape | $211 |
| 8 | Honda Odyssey | $211 |
| 9 | Kia Sol | $213 |
| 10 | Toyota Tacoma | $214 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history impacts your car insurance rates. Incidents like a minor accident, a major collision, speeding tickets, a DUI, or a hit-and-run can all affect your insurance costs. Below is a summary of how premiums adjust based on common claims and violations in Phoenix, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $205 | 0% |
| Not at-fault Accident | $205 | 0% |
| Driving with expired registration | $259 | +26% |
| Speeding Ticket | $260 | +27% |
| At-fault Accident | $309 | +51% |
| Driving with a suspended license | $322 | +57% |
| DUI | $328 | +60% |
| Hit and Run | $330 | +61% |
What car insurance discounts can I get in Phoenix?
In Phoenix, there are several discounts available that can lower your insurance costs. Options include bundling insurance policies, paying the entire premium upfront, choosing paperless billing, and qualifying for loyalty renewal discounts. The list below ranks these opportunities from the most to the least significant in terms of potential savings on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $182 | +$23 |
| Paid in Full | $192 | +$13 |
| Low Mileage | $198 | +$7 |
| Multi-Policy Renters | $198 | +$7 |
| Electronic Funds Transfer | $200 | +$5 |
| Paperless | $202 | +$3 |
| None | $205 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.