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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UPDATED: Mar 30, 2021
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- 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.
Compare cheap Phoenix, AZ auto insurance quotes for free right now by entering your ZIP code into our quote tool below.