Best Car Insurance Rates in Phoenix

Best cheap car insurance companies in Phoenix

Cheapest car insurance in Phoenix: State Farm

The cheapest auto insurance company in Phoenix for full coverage is State Farm, at $172 per month. That's one-third less than the average rate citywide.

Travelers, Progressive and American Family are also with a look, with typical rates below the city average of $220 per month. But State Farm has the best customer service among the four cheapest companies, so that's the best option if that company offers you a good price.

If you have connections to the military, USAA is also a great choice: it's even cheaper than State Farm, at $162 per month. However, only people who have served in the military and their families are eligible.

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Cheapest full coverage car insurance in Phoenix

Cheapest liability insurance quotes in Phoenix: State Farm

State Farm has the best rates for liability car insurance coverage in Phoenix, at just $79 per month. That's 30% cheaper than the city average.

Phoenix drivers shopping for minimum-liability coverage should also take a look at Travelers, which is only $3 more per month than State Farm. Every driver pays a different amount for insurance, so it's possible that Travelers will be the cheapest option for you.

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However, liability-only coverage only pays for damage to other people's cars in a crash. If you're responsible for an accident, minimum coverage means you'll have to pay for your own car repair and medical bills, if you have any. Full coverage is a better option for most people, especially if you would not be able to replace your car if it were totaled.

Minimum coverage also only includes a limited amount of liability per crash. If you hurt someone in a crash and their medical bills are higher than the amount of coverage you have, you'll be responsible for the extra amount.

Cheapest minimum-coverage car insurance in Phoenix, Arizona

Cheapest car insurance for young drivers in Phoenix: Travelers

The best rates for young drivers in Phoenix are from Travelers, where the average price is $248 per month for a liability-only policy.

Travelers is also the cheapest option for a full-coverage policy for teen drivers, at $527 per month.

USAA has even cheaper rates for young drivers. With USAA, a teen will pay an average of $163 per month for state minimum insurance, or $412 for full coverage.

Drivers who are only 18 years old are considered higher risk for insurers, so they tend to pay much higher rates. Young drivers on average pay more than three times as much as a 30-year-old driver.

Cheapest car insurance for young drivers

Cheapest car insurance after a speeding ticket: State Farm

State Farm has the lowest prices for full coverage insurance for Phoenix drivers with a speeding ticket, at $172 per month. That's about half the cost of the city average of $377, and $62 cheaper than the second-best option, Travelers.

State Farm may not raise your rates at all after one speeding ticket.

Cheapest Phoenix car insurance after a speeding ticket

On average, a speeding ticket raises Phoenix drivers' rates by 44%, or $87 per month.

People who are caught speeding tend to be more likely to get in a crash than someone who doesn't speed. So you'll usually see a price increase after you get a ticket.

Cheapest car insurance after an accident: State Farm

State Farm's full coverage rates after an at-fault crash are the lowest in Phoenix by far, at $172 per month. That's less than half the average price citywide, and about $100 less than the second-cheapest option, Travelers.

Overall, Phoenix drivers can expect to pay $377 per month on average after causing an accident.

Cheapest Phoenix car insurance after an accident

A typical driver will pay about 44% more for car insurance after an at-fault accident. This is because insurance companies have found that drivers who are responsible for one crash are more likely to make another claim in the future.

Cheapest insurance in Phoenix for teens with a speeding ticket or accident: State Farm

After a speeding ticket, State Farm charges $294 per month for an 18-year-old, which is 36% cheaper than average. And after an at-fault crash, State Farm charges $272 per month, which is 45% below average.

Getting a speeding ticket or causing an accident increases how much you pay for car insurance because insurers have found that people who have done so are more likely to make another claim in the future.

Best car insurance in Phoenix for teens with a bad record

Fortunately, the impact of a ticket or crash on your insurance rates will get smaller over time. Your rates will generally go back to normal after about three years.

Cheapest car insurance after a DUI: Progressive

Progressive has the cheapest full-coverage car insurance for Phoenix drivers after a DUI, at $249 per month. That's 41% less than the city average of $421 per month.

Travelers is also fairly affordable for DUI car insurance in Phoenix, at $286 per month. It's 32% less than the city average.

Cheapest Phoenix car insurance after a DUI

In Phoenix, a DUI increases the full-coverage insurance rate 60%. That's because people with a DUI on their records are more likely to cause an accident in the future.

Cheapest car insurance for drivers with poor credit: Travelers

Travelers offers the best rates for drivers with poor credit, at $301 per month. That's 61% cheaper than the average overall.

Cheapest Phoenix car insurance 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, or even a DUI. On average, poor credit can nearly double your insurance bill to an average of $502 per month.

While your credit score isn't based on your driving ability, insurance companies have found that people with good credit are less likely to make insurance claims, so they pay less for coverage.

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Average car insurance rates in Phoenix by neighborhood

Meanwhile, Grandview is the most expensive neighborhood, where the average price for insurance is $290 per month — $73 per month more than in Ahwatukee Foothills.

Where you live has an impact on your car insurance prices, even within a single city. You might pay more if your neighborhood has higher rates of car theft, or if the streets aren't in good shape, leading to more accidents.

Compare Rates

Methodology

ValuePenguin collected data from nine top insurers in Arizona, averaged citywide in Phoenix. Rates are for a man who drives a 2015 Honda Civic EX. Unless otherwise stated, rates are for a 30-year-old man with a full coverage policy and good credit.

Minimum coverage rates match the state minimums in Arizona, while full coverage policies include more liability coverage, plus comprehensive and collision.

ValuePenguin's analysis uses insurance rate data from Quadrant Information Services that is publicly sourced from insurer filings. Rates should be used for comparative purposes only, as your rates will likely differ.