Buy Cheap Phoenix, AZ Auto Insurance

The cheapest Phoenix, AZ auto insurance company is GEICO. Rates average around $238 per month or $2,864 annually, although prices will vary for each driver. Phoenix, AZ auto insurance must meet the state minimum requirements with coverage levels of 25/50/15 for liability coverage. Compare cheap Phoenix, AZ auto insurance quotes online to get the best price for you.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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A Concise Overview

  • Of the top insurance companies, GEICO sells cheap Phoenix, AZ auto insurance.
  • Phoenix, AZ auto insurance costs are affected by moderate traffic congestion and higher than average vehicle theft rates.
  • Auto insurance rates in Phoenix are the most expensive in Arizona.

Phoenix, AZ auto insurance prices are the highest in the state of Arizona since it’s the capital and one of the largest cities.

Find information about how to secure cheap Phoenix, AZ auto for any driver, regardless of your age or driving record, in our guide below.

When you’re ready to buy cheap Phoenix, AZ auto insurance, enter your ZIP code into our free quote tool above and receive rates from reputable providers near you.

What is the cheapest auto insurance company in Phoenix, AZ?

The cheapest Phoenix, AZ auto insurance company is GEICO, with rates averaging $238 per month or $2,864 annually.

Below, check out our list of cheap Phoenix, AZ car insurance rates from least to most expensive by the top insurers in your city:

  • GEICO – $2,864.68
  • USAA – $3,440.60
  • Travelers – $3,870.57
  • Progressive – $4,433.95
  • Nationwide – $4,593.72
  • American Family – $4,946.51
  • Allstate – $6,172.19
  • State Farm – $6,279.06
  • Farmers – $6,609.09

Many different factors impact your annual auto insurance premiums, like age, driving record, and the level of coverage you require.

Therefore, your most affordable Phoenix, AZ auto insurance quotes may not come from GEICO or USAA. Compare quotes from multiple providers to ensure you’re getting your best policy prices from the right provider.

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What auto insurance coverage is required in Phoenix, AZ?

Phoenix drivers must carry the Arizona minimum auto insurance requirements to drive on the roads legally. Recently, those limits increased in your state.

Currently, Arizona requires you to carry the following auto insurance coverages:

  • $25,000 per person and $50,000 per accident in bodily injury liability coverage
  • $15,000 per incident for property damage liability coverage

Arizona is a tort or an at-fault state. If you’re at-fault for causing an accident, you must use your liability auto insurance to pay for the damages to the other driver.

However, experts recommend you carry more than the state minimum requirements.

What affects auto insurance rates in Phoenix, AZ?

Mild to moderate traffic congestion causes insurance rates in Phoenix to be higher than in other Arizonian cities.

Data collected by INRIX places Phoenix as the 33rd most congested city in America.

According to City-Data, Phoenix drivers’ average commute time is 25.5 minutes, very close to the national average of 26 minutes.

Auto theft rates in Phoenix have also been on the rise. The Federal Bureau of Investigation (FBI) recorded 7,653 auto theft incidents in 2017.

That’s a rate of 465.5 thefts per every 100,000 people, much larger than the Arizona state average.

Phoenix, AZ Auto Insurance: The Bottom Line

Phoenix, Arizona auto insurance rates are higher than the state average.

However, you can save by comparing quotes from multiple providers near you and seeking auto insurance discounts.

For example, ask about safe driver discounts or multi-policy discounts if you are insuring two cars.

Compare cheap Phoenix, AZ auto insurance quotes for free right now by entering your ZIP code into our quote tool below.

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