Best Car Insurance Rates in Phoenix

Best Car Insurance Rates in Phoenix

Find Cheap Auto Insurance Quotes in Phoenix

Currently insured?

In Phoenix, Geico offered the best rates for full coverage and minimum coverage car insurance policies, our analysis found. The company charged $93 per month for minimum coverage and $189 for full coverage.

Drivers in Phoenix, a large city in the heart of a large urban area, will pay more for coverage than the average Arizonan. Car insurance rates were 26% higher in Phoenix for full coverage and 34% higher for minimum coverage.

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#phoenix-cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for bad credit","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#credit","linkText":"Cheapest for bad credit"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for accident history","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#incidents","linkText":"Cheapest for accident history"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for young drivers","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#young","linkText":"Cheapest for young drivers"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#phoenix-cheapest-companies","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for bad credit","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#credit","linkText":"Cheapest for bad credit"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for prior incidents","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#incidents","linkText":"Cheapest for prior incidents"}

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for young drivers","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#young","linkText":"Cheapest for young drivers"}

We recommend comparing quotes from several insurers before purchasing a policy. Your rates will vary depending on your driving history and your background.

Cheapest auto insurance in Phoenix: Geico

Geico, Progressive and State Farm offer the cheapest insurance in the Phoenix area based on an analysis of minimum liability quotes from Arizona. Those three insurers are on average $465 cheaper than the overall average for the city, a savings of more than 28%.

Geico's rates for minimum coverage were the lowest, coming in at $1,114 per year, a savings of $546 compared to the average in Phoenix. Progressive was the second-cheapest option at $1,134, while State Farm's average premium was $1,338.

This graph lists cheapest insurance rates in Phoenix Arizona

Find Cheap Auto Insurance Quotes in Phoenix

Currently insured?

It's worth noting that you will have only the lowest level of protection with minimum liability, which may not cover all of your costs should you be in an accident. If you have a more expensive vehicle, we suggest you purchase more coverage if you can afford it.

Rank
Company
Monthly rate
1Geico$93
2Progressive$94
3State Farm$111
4CSAA$114
5Allstate$170
6The Hartford$200
7Farmers$269
N/AUSAA$55

Cheapest full coverage car insurance in Phoenix: Geico

The cheapest auto insurance companies in Phoenix for a full coverage policy mirror the cheapest companies for minimum coverage, as Geico, Progressive and State Farm offer the best rates in that order.

Geico's average rate of $2,274 per year was $40 cheaper than Progressive's rate. Both were more than $300 cheaper than State Farm's rate.

Drivers with USAA paid the least of any drivers in Phoenix, but only current military members, former military members and military families are eligible.

Rank
Company
Annual premium
1Geico$2,274
2Progressive$2,314
3State Farm$2,650
4CSAA$4,259
5Allstate$5,599
6Farmers$5,920
7The Hartford$6,282
N/AUSAA$1,760

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

  • Collision coverage: Provides financial protection for damage from hitting another vehicle or object.
  • Comprehensive coverage: Provides financial protection after damage from theft, natural disasters and other events outside the customer's control, sometimes called "acts of God."

Cheap car insurance for drivers with prior incidents

If you have an accident, a DUI, a speeding ticket or another incident on your driving record, you will likely pay more for the same insurance than other Phoenix residents. Multiple or severe incidents can lead to drivers needing an SR-22 in Arizona.

Cheapest car insurance in Phoenix after an accident

State Farm's full coverage rates after an at-fault accident are the lowest, with Geico as the second-cheapest and Progressive ranked third. Overall, an accident raised rates an average of 44%, which came out to $1,704.

However, an accident only raised State Farm's rates by $522 per year.

Rank
Company
Annual premium
1State Farm$3,172
2Geico$3,504
3Progressive$3,924
4CSAA$5,777
5Farmers$8,246
6Allstate$8,287
7The Hartford$9,156
N/AUSAA$2,627

In the state of Arizona overall, an accident raises rates only 28%. That means Phoenix residents will see a notably larger rate increase if they find themselves in a collision.

Cheapest car insurance for people with a speeding ticket: Geico

Geico edged State Farm for the lowest full coverage rate for Phoenix drivers with a speeding ticket. Geico's annual rate of $2,739 came in at $172 cheaper than any other company and $2,243 less than the average.

Progressive was the third-cheapest option at $3,172 per year. On average, the ticket raised Phoenix drivers' rates $1,100, a jump of 28%.

Rank
Company
Annual premium
1Geico$2,739
2State Farm$2,911
3Progressive$3,172
4CSAA$4,705
5The Hartford$7,902
6Allstate$7,965
7Farmers$8,177
N/AUSAA$2,283

Cheapest car insurance for drivers with a DUI: Progressive

Phoenix drivers on average pay $1,717 more for full coverage insurance after a DUI, a 44% increase. Progressive offers the best rates after a drunken driving incident, charging only $440 more, a 19% jump.

Progressive's average rate after DUI came in at $2,754 per year — lower than rates from State Farm ($2,911) and Geico ($4,001).

Rank
Company
Annual rate
1Progressive$2,754
2State Farm$2,911
3Geico$4,001
4CSAA$5,038
5Farmers$7,924
6Allstate$8,799
7The Hartford$9,127
N/AUSAA$4,240

Cheapest car insurance for drivers with poor credit: Geico

Geico and Progressive offer the best full coverage rates for drivers with poor credit. Issues with credit can have a big impact on your car insurance rates — a bigger impact than a speeding ticket.

On average, poor credit adds $1,156 to a driver's annual insurance cost. That increase was $549 for Geico and $784 for Progressive.

Rank
Company
Annual rate
1Geico$2,823
2Progressive$3,098
3Farmer$4,839
4Allstate$4,964
5The Hartford$5,956
6State Farm$5,998
7CSAA$9,645
N/AUSAA$3,057

Cheapest car insurance for married drivers: Progressive

For married drivers, Progressive offers the best rates for full coverage in Phoenix by more than $300. Geico is the next-cheapest option, followed by State Farm.

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.

Rank
Company
Annual rate
1Progressive$2,052
2Geico$2,385
3State Farm$2,650
4CSAA$3,567
5Allstate$5,279
6The Hartford$5,295
7Farmers$5,414
N/AUSAA$1,507

Cheapest car insurance for young drivers: Geico

Drivers who are only 18 years old are considered higher-risk for insurers, so they tend to pay considerably higher premiums. In Phoenix, younger drivers can save the most money with Geico. Other options on the cheaper side of the spectrum include CSAA and State Farm.

Geico's rate for full coverage was $2,095 cheaper than any other option and only 50% of the average in Phoenix. Young drivers on average paid more than two and a half times as much as a 30-year-old driver.

Rank
Company
Annual rate
1Geico$4,961
2CSAA$7,056
3State Farm$8,539
4Progressive$11,345
5Allstate$12,385
6Farmers$12,876
7The Hartford$15,974
N/AUSAA$5,742

Some options for young drivers looking to lower insurance costs include:

  • Joining a parent's car insurance policy: This should be cheaper than purchasing 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.

Best auto insurance companies in Phoenix, Arizona

The top companies for customer satisfaction in Arizona were USAA, American Family and State Farm, according to a survey conducted by ValuePenguin. USAA is only available to members of the military and their families.

For more information about each insurer's customer service rating, visit our Arizona car insurance page.

Average car insurance cost in Phoenix, by neighborhood

The Phoenix metro area is one of the 10 largest in the United States, with more than one in every three residents living in the city itself. The city encompasses numerous neighborhoods across 85 ZIP codes, and the price of full coverage insurance can vary widely with location.

ZIP code
Annual car insurance cost
85003$4,124
85004$4,080
85006$4,205
85007$4,274
85008$4,052
85009$4,563
85012$4,106
85013$4,236
85014$4,133
85015$4,435
85016$3,948
85017$4,575
Show All Rows

Among cities in the Valley of the Sun with more than 135,000 residents, Phoenix had the most expensive full coverage car insurance rates — $149 more expensive than rates in Glendale. Surprise, Arizona, a suburb less than 30 miles northwest of Phoenix, had the lowest rates among cities of that size.

Rank
City
Population
Average cost (by city)
1Surprise135,450$3,198
2Gilbert243,254$3,281
3Scottsdale250,602$3,330
4Chandler252,692$3,333
5Peoria168,196$3,397
6Mesa499,720$3,401
7Tempe187,454$3,470
8Glendale247,813$3,733
9Phoenix1,633,017$3,882

Auto theft statistics in Phoenix

Phoenix ranks ninth among the 10 largest cities in Arizona in car thefts per 100,000 residents. That rate was 472.8 cars stolen per 100,000 in 2018.

Only Tucson had more cars stolen per 100,000 residents, at 477.9. Phoenix overall had 7,815 auto thefts.

Rank
City
Population
Car thefts
Thefts per 100,000
1Gilbert247,46315261.4
2Scottsdale254,961272106.7
3Chandler255,986317123.8
4Peoria170,177217127.5
5Surprise136,611192140.5
6Mesa504,873863170.9
7Tempe188,543538285.3
8Glendale249,7991,054421.9
9Phoenix1,653,0807,815472.8
10Tucson537,3922,568477.9

Motor vehicle theft data was pulled from the FBI 2018 Arizona crime report.

Methodology

Data was collected from eight of the largest insurers in Arizona. Our sample driver was a 30-year-old man with a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a full coverage policy.

These quotes should be used for comparison purposes only. This analysis used insurance rate data from Quadrant Information Services that was publicly sourced from insurer filings.

Sources: FBI 2018 Arizona crime report

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.