Cheap Car Insurance Phoenix, AZ

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance Phoenix, AZ

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Between Phoenix’s sprawling landscape and relatively limited public transportation options, getting around The Valley is easiest if you have a car. But more cars on the road means more chances of getting into an accident, so it’s important to have the right car insurance policy in place.

We’ve gathered quote data from real Jerry customers in Phoenix to show you how your age, location in the city and driving record can affect your premium costs.

Cheapest minimum coverage insurance in Phoenix, Arizona

Arizona requires all drivers to have these minimum coverages:

  • $25,000 for bodily injury per person in an accident.
  • $50,000 for bodily injury to two or more people in an accident.
  • $15,000 for damage to other peoples’ property.

Here are the average costs that insurers quote to Phoenix drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $126 $1,517 Phoenix, AZ
Bluefire $131 $1,570 Phoenix, AZ
Safeco $139 $1,672 Phoenix, AZ
National General $160 $1,926 Phoenix, AZ
Trexis $169 $2,022 Phoenix, AZ
Mendota $169 $2,028 Phoenix, AZ
Progressive $207 $2,480 Phoenix, AZ
Assurance America $209 $2,510 Phoenix, AZ
Commonwealth Insurance $213 $2,560 Phoenix, AZ
Bristol West $241 $2,891 Phoenix, AZ
Last Updated Feb 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Phoenix

If a rare weather hazard visits Phoenix and damages your vehicle, the state’s minimum coverage won’t help you recover costs. Full coverage kicks in in situations such as theft, vandalism, weather-related damage, or in accidents regardless of who is at fault.

This table shows the average full coverage insurance costs for Phoenix drivers, from cheapest to most expensive, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Safeco $238 $2,850 Phoenix, AZ
Root $261 $3,131 Phoenix, AZ
Progressive $277 $3,323 Phoenix, AZ
Mendota $300 $3,600 Phoenix, AZ
National General $308 $3,697 Phoenix, AZ
Bluefire $308 $3,699 Phoenix, AZ
Assurance America $316 $3,797 Phoenix, AZ
Clearcover $321 $3,848 Phoenix, AZ
Trexis $372 $4,463 Phoenix, AZ
Bristol West $387 $4,648 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest car insurance for young drivers in Phoenix

Insurers typically charge young drivers higher rates than older drivers because they often view younger drivers as inexperienced, which makes them riskier to insure and increases their insurance costs. Here’s what young drivers in Phoenix can expect to pay, based on quote data from real Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
18-20 $595 $7,146 Phoenix, AZ
21-24 $351 $4,207 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest minimum coverage for 20-year-olds

Based on Jerry’s data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Phoenix.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $277 $3,324 Phoenix, AZ
Commonwealth Insurance $309 $3,711 Phoenix, AZ
Mendota $360 $4,326 Phoenix, AZ
Dairyland $391 $4,694 Phoenix, AZ
Trexis $421 $5,048 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $371 $4,447 Phoenix, AZ
Dairyland $415 $4,978 Phoenix, AZ
Commonwealth Insurance $493 $5,915 Phoenix, AZ
Mendota $507 $6,083 Phoenix, AZ
Trexis $602 $7,230 Phoenix, AZ
Bristol West $928 $11,137 Phoenix, AZ
The General $1,058 $12,701 Phoenix, AZ
Gainsco $11,743 $140,921 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest car insurance costs for mature drivers in Phoenix (25-54 years old)

As drivers enter their late 20s and 30s, premium costs tend to go down. This is a good time to shop for a lower rate. Here are the rates more mature drivers can expect to pay in Phoenix, based on Jerry’s quote data.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
25-34 $280 $3,361 Phoenix, AZ
35-44 $256 $3,068 Phoenix, AZ
45-54 $223 $2,672 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Phoenix, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $105 $1,256 Phoenix, AZ
Aspire Advantage $106 $1,276 Phoenix, AZ
National General $138 $1,662 Phoenix, AZ
Trexis $145 $1,738 Phoenix, AZ
Mendota $146 $1,747 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest full coverage for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in Phoenix, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $244 $2,930 Phoenix, AZ
Assurance America $272 $3,269 Phoenix, AZ
Mendota $291 $3,490 Phoenix, AZ
Trexis $333 $3,998 Phoenix, AZ
Bristol West $345 $4,140 Phoenix, AZ
Commonwealth Insurance $364 $4,370 Phoenix, AZ
Dairyland $392 $4,704 Phoenix, AZ
The General $438 $5,258 Phoenix, AZ
National General $455 $5,462 Phoenix, AZ
Gainsco $462 $5,539 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest car insurance for older drivers (55+ years old)

Aging adds to your driving experience, which usually makes policy costs decrease. This is the case until you’re in your 60s, when rates may start to rise. Here are the average rates for older Phoenix drivers, based on data from Jerry customers.

Age Group
Avg Monthly Quote
Avg Annual Quote
City, State
55-64 $196 $2,348 Phoenix, AZ
65+ $220 $2,642 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest price quotes for 65-year-olds in Phoenix, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $56 $669 Phoenix, AZ
Trexis $89 $1,069 Phoenix, AZ
Dairyland $96 $1,147 Phoenix, AZ
Assurance America $98 $1,178 Phoenix, AZ
Progressive $118 $1,415 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Progressive $120 $1,435 Phoenix, AZ
Last Updated Feb 12, 2025
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Cheapest car insurance for drivers with clean records in Phoenix

The lowest prices typically go to drivers with clean driving records. Here’s what drivers with no violations or claims on their records can expect to pay on average, according to Jerry’s quote data:

Avg Monthly Quote
Avg Annual Quote
City, State
$263 $3,154 Phoenix, AZ
Last Updated Feb 10, 2025

These insurers offer the lowest prices to Phoenix drivers with blemish-free records, according to Jerry’s data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Anchor General $118 $1,418 Phoenix, AZ
Aspire Advantage $129 $1,543 Phoenix, AZ
National General $198 $2,373 Phoenix, AZ
Bluefire $199 $2,393 Phoenix, AZ
Safeco $203 $2,433 Phoenix, AZ
Mendota $204 $2,449 Phoenix, AZ
Trexis $208 $2,502 Phoenix, AZ
Progressive $234 $2,814 Phoenix, AZ
Assurance America $257 $3,089 Phoenix, AZ
Clearcover $268 $3,217 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest car insurance rates for drivers with low credit scores in Phoenix

Drivers with low credit scores may pay higher rates than those with good credit. Here’s what Phoenix drivers can expect to pay for car insurance, based on their credit scores, according to Jerry’s quote data.

Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
550-659 $281 $3,373 Phoenix, AZ
660-750 $288 $3,453 Phoenix, AZ
<550 $280 $3,363 Phoenix, AZ
750+ $230 $2,765 Phoenix, AZ
Last Updated Feb 12, 2025

These insurance companies provide the cheapest quotes to Phoenix drivers with scores below 550, based on Jerry’s data.

Insurance Company
Credit Score
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage <550 $128 $1,537 Phoenix, AZ
Bluefire <550 $205 $2,462 Phoenix, AZ
National General <550 $216 $2,586 Phoenix, AZ
Trexis <550 $216 $2,588 Phoenix, AZ
Mendota <550 $242 $2,900 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents in Phoenix

Having an accident on your record usually causes your policy costs to rise. Here’s what a driver with an at-fault accident can expect to pay in Phoenix, based on Jerry’s quote data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
City, State
At Fault With Injury $270 $3,244 Phoenix, AZ
At Fault With No Injury $313 $3,752 Phoenix, AZ
Not At Fault $277 $3,319 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with no injury in Phoenix

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $123 $1,480 Phoenix, AZ
Anchor General $128 $1,534 Phoenix, AZ
National General $227 $2,721 Phoenix, AZ
Safeco $227 $2,727 Phoenix, AZ
Bluefire $268 $3,216 Phoenix, AZ
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents with injury in Phoenix

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $167 $2,006 Phoenix, AZ
Aspire Advantage $192 $2,310 Phoenix, AZ
Trexis $215 $2,585 Phoenix, AZ
Mendota $230 $2,755 Phoenix, AZ
Dairyland $273 $3,281 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with speeding tickets in Phoenix

If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here’s what drivers with speeding tickets pay in Phoenix on average, according to customer data collected by Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
Speeding over 15 $363 $4,358 Phoenix, AZ
Speeding under 15 $231 $2,770 Phoenix, AZ
Last Updated Feb 11, 2025

These insurers provide the most affordable insurance policies to Phoenix drivers with speeding tickets on their records, according to Jerry’s quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $117 $1,402 Phoenix, AZ
Root $182 $2,187 Phoenix, AZ
Safeco $191 $2,296 Phoenix, AZ
National General $226 $2,714 Phoenix, AZ
Progressive $241 $2,892 Phoenix, AZ
Commonwealth Insurance $283 $3,397 Phoenix, AZ
Mendota $284 $3,408 Phoenix, AZ
Trexis $308 $3,696 Phoenix, AZ
Bristol West $398 $4,774 Phoenix, AZ
The General $407 $4,879 Phoenix, AZ
Last Updated Feb 11, 2025

Cheapest car insurance for drivers with DUIs in Phoenix

A DUI is often cause for your insurance rates to rise. Here’s what drivers in Phoenix who have DUIs on their records can expect to pay, according Jerry’s quote data.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
City, State
DUI $264 $3,165 Phoenix, AZ
Last Updated Feb 11, 2025

These insurers offer the cheapest insurance quotes to Phoenix drivers with DUIs, per Jerry’s customer quote data.

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $114 $1,371 Phoenix, AZ
Progressive $142 $1,698 Phoenix, AZ
Trexis $215 $2,576 Phoenix, AZ
Commonwealth Insurance $233 $2,794 Phoenix, AZ
Assurance America $244 $2,930 Phoenix, AZ
Dairyland $255 $3,063 Phoenix, AZ
National General $268 $3,212 Phoenix, AZ
Bristol West $274 $3,283 Phoenix, AZ
Mendota $285 $3,418 Phoenix, AZ
Gainsco $432 $5,179 Phoenix, AZ
Last Updated Feb 12, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.