How to find the cheapest car insurance in Phoenix
On average, car insurance in Phoenix costs $112 per month for minimum liability coverage, or about $199 per month for full-coverage insurance. Phoenix drivers pay 4% less than National the average.
Smart car insurance shoppers in Phoenix, Arizona turn to Jerry every month, because Jerry makes it easy for customers to compare and purchase affordable car insurance. Below are some of the cheapest car insurance quotes Jerry found for customers in Phoenix.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Nationwide | $121 | 45 | 85086 | Lincoln Navigator | 500/500 | Yes |
| Progressive | $38 | 49 | 85050 | Audi A4 Premium | State Minimum | No |
| Safeco | $80 | 64 | 85083 | Chevrolet Trailblazer Ls | State Minimum | Yes |
| Progressive | $144 | 30 | 85021 | Honda Fit | 15/30 | No |
| Progressive | $71 | 37 | 85023 | Toyota Camry L | State Minimum | No |
Best car insurance companies in Phoenix
The five largest insurers in Arizona are State Farm, Berkshire Hathaway (i.e. GEICO), Progressive, Farmers, and Liberty Mutual—but biggest doesn’t always mean best.
When it comes to shopping for car insurance, every customer receives different quotes based on their profile—meaning that the “best” insurance company can be different for everyone. Aside from the cost, you’ll also want to consider factors such as claims handling and customer service when choosing a company.
To help drivers better compare the best and cheapest car insurance companies in Arizona, Jerry conducted the largest insurance survey in the nation. According to our results, smaller insurers actually received the highest ratings from Arizona drivers: companies like American Family, Auto-Owners, Gainsco, Commonwealth, and The Hartford.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| USAA | 4.8 | 4.3 | N/A | 4.8 |
| Progressive | 4.4 | 4 | 4.2 | 4.5 |
| Geico | 3.9 | 3.3 | 4.5 | 4 |
| State Farm | 3.6 | 3.6 | 2.3 | 4.8 |
| Farmers | 3.5 | 3.3 | 4.3 | 3.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Phoenix
Arizona’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Phoenix. However, minimum liability coverage provides minimal financial protection.
You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the The Grand Canyon State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in Arizona, and how it could affect your policy choices in Phoenix.
Cheap minimum liability insurance quotes in Phoenix
Minimum liability coverage in Arizona means at least $25,000 of bodily injury liability coverage per person, $50,000 of bodily injury liability coverage per accident, and $15,000 of property damage liability coverage per accident.
These coverages are commonly referred to as 25/50/15 coverage. With this basic liability coverage, you’ll be protected up to your policy’s limits in the event that you are responsible for injuries or property damage while driving.
Do you need more than minimum coverage in Phoenix?
Legally, drivers in Phoenix don’t need to carry more than the minimum liability coverage mandated by Arizona’s car insurance laws—but financially, many drivers may want to.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 25/50/15 limit, especially if you cause serious injuries to another person. Once you’ve hit your liability coverage limits, your auto insurance policy won’t pay extra—meaning you could be responsible for paying the difference out of pocket.
You should also keep in mind that Arizona’s car accident laws allow drivers to file personal injury lawsuits for up to two years following a car accident—so your liability extends long past the initial incident!
The bottom line: Consider raising your coverage level if you can afford it—a 50/100/30 liability insurance policy offers better financial protection than the minimum.
Cheap full coverage car insurance quotes in Phoenix
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.
A full-coverage car insurance policy typically includes collision coverage and comprehensive coverage, in addition to your state’s minimums. Collision coverage protects you from repair costs associated with hitting another vehicle or a stationary object, while comprehensive coverage protects you from vandalism, theft, and non-collision damage.
Lease and financing agreements often require you to carry both collision and comprehensive coverage. On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
Check out the table below to see what real Jerry drivers pay for various levels of coverage:
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| 500/500 | Yes | Nationwide | $121 | 45 | 85086 | Lincoln Navigator |
| State Minimum | No | Progressive | $38 | 49 | 85050 | Audi A4 Premium |
| State Minimum | Yes | Safeco | $80 | 64 | 85083 | Chevrolet Trailblazer Ls |
| 15/30 | No | Progressive | $144 | 30 | 85021 | Honda Fit |
| State Minimum | No | Progressive | $71 | 37 | 85023 | Toyota Camry L |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Phoenix
Based on Jerry’s work finding the best car insurance for drivers in Phoenix, we’ve found that the average annual cost minimum liability coverage is $1,344 each year. That works out to about $112 per month. For full coverage, Phoenix drivers typically pay $2,387 per year or $199 per month.
While average insurance rates can help you predict your own insurance costs, it’s important to note that every driver’s insurance premium is calculated differently.
Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual costs may vary significantly from the state average.
Average cost of car insurance in Phoenix by zip code
Even within the same city, car insurance rates can still vary. That’s because the rate of car accidents, auto theft, and other incidents can differ between neighborhoods—and areas that experience higher rates are consequently considered higher risk.
As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas of the city
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 85008 | $92 | $192 |
| 85014 | $84 | $157 |
| 85015 | $116 | $173 |
| 85016 | $82 | $229 |
| 85017 | $105 | $222 |
| 85020 | $78 | $162 |
| 85021 | $96 | $183 |
| 85022 | $88 | $177 |
| 85023 | $100 | $161 |
| 85027 | $106 | $159 |
| 85029 | $92 | $161 |
| 85032 | $81 | $150 |
| 85033 | $142 | $192 |
| 85035 | $115 | $191 |
| 85037 | $128 | $190 |
| 85041 | $109 | $182 |
| 85042 | $113 | $163 |
| 85044 | $91 | $148 |
| 85051 | $139 | $204 |
| 85053 | $87 | $196 |
Car insurance quotes in Phoenix by rating factors
Insurance companies in Phoenix use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in above-average auto insurance rates.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage cost more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
Cheap car insurance quotes in Phoenix after driving violations
Violations on your record hurt your car insurance rates. Violations drive up the cost of your annual premiums, especially if you have serious infractions on your record.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Phoenix after speeding ticket
In Phoenix, a speeding ticket could increase your car insurance rate.
Jerry is proud to help drivers with varying speeding tickets save on car insurance.
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Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding 6-10 | Progressive | $144 | 30 | 85021 | Honda Fit | 15/30 | No |
| Speeding Violation-Major | Trexis | $412 | 33 | 85022 | Dodge Charger Sxt | 50/100 | Yes |
| Speeding 6-10 | Encompass | $283 | 32 | 85024 | Hyundai Sonata Se | 250/500 | Yes |
| Speeding 21+ | Progressive | $81 | 42 | 85014 | Toyota Camry Le | 15/30 | No |
| Speeding Violation-Minor | Progressive | $289 | 34 | 85008 | Toyota Scion Tc | 50/100 | Yes |
Cheapest car insurance in Phoenix after DUI
Driving with a blood-alcohol level of 0.08% or higher violates Arizona’s DUI laws. A DUI conviction comes with a maximum sentence of $1,480 in fines, 10 consecutive days in jail, and a driver’s license suspension of 90 days.
Your auto insurance rates will be similarly affected. The good news is, Jerry has helped many drivers in Phoenix obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Phoenix after an at-fault accident
It takes a few mistakes to become a good driver. An at-fault accident might tarnish your clean driving record, but it’ll clear up eventually. In the meantime, don’t feel you have to stick with a car insurance company that penalizes you needlessly with sky-high insurance rates.
Jerry users found companies willing to work with them and their driving history while offering them savings.
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Safeco | $80 | 64 | 85083 | Chevrolet Trailblazer Ls | State Minimum | Yes |
| At Fault With No Injury | Trexis | $412 | 33 | 85022 | Dodge Charger Sxt | 50/100 | Yes |
| Not At Fault | Clearcover | $110 | 36 | 85022 | Honda Accord Ex | State Minimum | Yes |
| At Fault With No Injury | Mercury | $68 | 51 | 85020 | Hyundai Elantra Gt | State Minimum | No |
| Not At Fault | Encompass | $257 | 37 | 85041 | Nissan Altima 2.5 | 50/100 | Yes |
Cheapest car insurance in Phoenix after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation. Here are some examples of how Jerry has helped other Phoenix drivers find cheap car insurance despite previous violations.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Failure to Obey Signal | Encompass | $198 | 46 | 85015 | Mercedes-Benz Glk 350 4Matic | 50/100 | Yes |
| Other Minor | Commonwealth Insurance | $185 | 63 | 85009 | Lexus Es 300 | State Minimum | No |
| Failure to Obey Signal | Progressive | $134 | 60 | 85031 | Mini Cooper S | 50/100 | Yes |
| Improper Passing | Progressive | $149 | 33 | 85012 | Honda Accord Lx | 50/100 | Yes |
| Failure to Obey Signal | Commonwealth Insurance | $179 | 33 | 85051 | Hyundai Sonata Gls | State Minimum | No |
Cheap car insurance quotes in Phoenix by age
The golden years for cheap car insurance fall between the ages of 25 and 75. By that time, teen drivers have gained the experience they need to drive safely—and the income to pay their bills.
Cheapest car insurance in Phoenix for young drivers
Teen drivers aged 16 to 19 are most likely to be involved in an accident. This risk—coupled with a limited driving and insurance history—means that teen drivers pay the highest premiums of any age group.
And since it’s illegal for anyone to sign a car insurance contract before turning 18, they’ll need to be added to someone else’s policy.
Cheapest car insurance in Phoenix for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies. This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
As a result, car insurance rates start to rise once more when drivers enter their mid-70s.
Cheap car insurance quotes in Phoenix based on insurance history
Another factor that can impact your rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in coverage usually leads to an increase in car insurance rates.
Jerry sends payment reminders to our customers, to help ensure timely insurance payments and prevent coverage lapses. We can also help uninsured or previously lapsed customers find savings on new auto insurance policies.
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Here’s how drivers with low credit scores saved with Jerry.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Safeco | $80 | 64 | 85083 | Chevrolet Trailblazer Ls | State Minimum | Yes |
| 660-750 | Progressive | $71 | 37 | 85023 | Toyota Camry L | State Minimum | No |
| 660-750 | Trexis | $412 | 33 | 85022 | Dodge Charger Sxt | 50/100 | Yes |
| 550-659 | Encompass | $257 | 37 | 85041 | Nissan Altima 2.5 | 50/100 | Yes |
| 550-659 | Commonwealth Insurance | $179 | 33 | 85051 | Hyundai Sonata Gls | State Minimum | No |
Cheap car insurance quotes in Phoenix for popular cars
The kind of car you drive plays a central role in determining your annual premiums.
High safety ratings and robust vehicle anti-theft security systems make your car safer to drive, harder to steal, and cheaper to insure. But a luxury interior, rare badges, or sophisticated technology cost more to repair, so auto insurance companies charge you more to insure.
Popular car models in Phoenix include:
- Chevrolet Silverado
- RAM 1500 Limited
- Ford F-150
- Toyota Tacoma
- Toyota RAV 4
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 | Progressive | $129 | 60 | 85029 | 50/100 | Yes |
| Ford F-150 | Progressive | $60 | 66 | 85020 | State Minimum | No |
| Toyota Rav4 Le | Clearcover | $236 | 25 | 85048 | State Minimum | Yes |
| Toyota Rav4 Hv Le | Progressive | $278 | 36 | 85053 | 100/300 | Yes |
| Chevrolet Silverado K1500 | Progressive | $435 | 54 | 85017 | 15/30 | Yes |
Cheapest car insurance in Phoenix for new vs. old car
New cars are typically more expensive to insure than older ones. We have found that the average insurance cost for a car older than 10 years is $82 per month in Phoenix.
Alternatively, the average cost of insuring a car that’s less than four years old increases per month in Phoenix.
How to lower car insurance costs in Phoenix
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place. To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts include:
- Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
