Cheapest Auto Insurance in Phoenix, Arizona (2025)
Phoenix drivers can find the cheapest coverage from Mile Auto, with minimum-coverage policies as low as $76 per month.
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Car insurance in Phoenix, Arizona’s largest city, averages $200 per month for full coverage and $120 for liability-only insurance. But Phoenix drivers with good motor vehicle records may be able to find cheaper rates with companies like Mile Auto and Auto-Owners.
Finding the cheapest car insurance options in Phoenix for you will depend on your personal situation and your preferences for insurance coverage. Here’s what you should know about comparing quotes and finding the right policy to fit your needs in Phoenix.
Quick Facts
The overall average car insurance rate in Phoenix is $161, which is higher than in several other large cities in Arizona, as well as the state overall average of $126.
Phoenix’s population density is likely a factor in car insurance rates — it’s the most populous city in Arizona, with more than 1.6 million residents.
Teen drivers pay the most for car insurance in Phoenix, at an average monthly rate of $255 for liability coverage.
3 of the cheapest car insurance companies in Phoenix
Finding the cheapest car insurance in Phoenix isn’t a one-size-fits-all solution. It’s important to consider your individual driver profile and coverage needs, as well as your budget.
Here, you’ll find an overview of some of the cheapest insurance options in the area based on different circumstances and needs, including liability-only coverage, and rating factors that include your driving record, credit standing, claims history, and age.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for on-demand coverage: Hugo
Best insurer for liability-only coverage: Auto-Owners
Best insurer for young drivers: State Farm
How to get the cheapest car insurance in Phoenix
Finding the cheapest car insurance in Phoenix depends on several factors, including your driving history, age, credit-based insurance score, ZIP code, and coverage needs. While many of these factors are outside of your control, you can do some things to help lower your car insurance costs, including:
Maintain a clean driving record. Practice safe driving and try to avoid moving violations and speeding tickets so you can qualify for better car insurance rates.
Improve your credit score. Car insurance companies in Arizona may look at your credit history to create a credit-based insurance score that helps them determine the likelihood that you’ll file an insurance claim. Having a higher credit score makes you more appealing to insurers, and you could be rewarded with lower rates. It’s also important to note that insurers in Arizona can’t use medical collections or an outdated bankruptcy or lien (older than seven years) when determining your insurance score.
Ask about discounts. Insurers offer various discounts to help you save on premiums. Some of those discounts include bundling car insurance with renters or homeowners insurance, driving a vehicle with certain safety features, remaining accident-free, and completing a driver safety course. Some insurers may not offer certain discounts in every state, so be specific when asking what discounts you may be eligible for.
Shop around. Be sure to shop around and gather quotes from at least three different insurers to make sure you’re getting the best rate. Each insurer has its own guidelines for calculating rates, and shopping around allows you to compare all the best options side by side.
Cheapest liability-only car insurance in Phoenix: Mile Auto
Liability-only car insurance covers damage to the other driver’s vehicle and their medical expenses after an accident. Liability insurance won’t cover any of your damages, so it’s often the cheaper coverage option.
You may consider liability coverage if you’re looking for the most basic coverage or you drive a car that’s already paid off. If you can afford to pay out of pocket for damage sustained by your vehicle, liability insurance may make sense.
The average cost of liability-only policies in Phoenix is $120. Here are some of the cheapest liability-only car insurance rates in Phoenix.
Cheapest full-coverage car insurance in Phoenix: Mile Auto
Full-coverage insurance includes liability coverage, but it also covers damage to your vehicle and any medical expenses resulting from an accident. Full coverage typically costs more than liability due to this added protection.
If you have a car loan or lease, your lender will require you to carry full coverage until your loan is paid off. Even if you don’t have a car loan, full coverage may be a good idea since repairs can be expensive if your car gets damaged. With adequate insurance coverage, you’ll only need to pay your collision and comprehensive deductible, then insurance will pay (up to your coverage limit) to cover the damages.
On average, Phoenix drivers pay $202 per month for full coverage. Mile Auto offers the cheapest full-coverage car insurance in Phoenix. Here are some other insurers that offer competitive rates in Phoenix.
Car insurance requirements in Arizona
Most states, including Arizona, require you to have liability or minimum car insurance coverage. Arizona is also an at-fault state, meaning the insurance company of the driver who causes the accident must pay for any associated damages. Finally, you’re also required to carry bodily injury and property damage insurance coverage.
Below are the minimum coverage requirements in Arizona.
Depending on your needs and situation, you may want to consider getting optional insurance coverage as well, including:
“The lowest-priced policy may not offer the best coverage,” says Anthony Verreos, strategic insurance advisor at Real Estate Bees. “Uninsured and underinsured motorists liability coverage is sometimes very expensive, but this is what a driver would need in order to collect if they became the victim of someone else who had no coverage or not enough to pay your medical damages for years.”
Cheapest car insurance for drivers with an incident
Your driving record directly affects your car insurance rates. When infractions like speeding tickets, DUIs, and at-fault accidents are on your record, this can increase your car insurance rates for three to five years because the insurance company now sees you as a high-risk driver.
In Phoenix, rates increase by about 30% for insurance companies like Hugo, State Farm, and Auto-Owners when you have an at-fault accident on your record. The overall average cost of car insurance for drivers with traffic violations is $188 per month in Phoenix.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
If you’re assessed a speeding citation, this can also appear on your driving record and cause your car insurance rates to increase. Phoenix drivers with a speeding ticket have an overall average monthly cost of $198 compared to $161 for drivers with a clean record.
Here are some average monthly quotes for insurers in Phoenix when you have a speeding ticket on your record.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
Insurance comes in handy when a car accident occurs, but getting into an accident can also increase your insurance rates going forward. A car accident typically stays on your record for three to five years. But if you’ve previously had a good driving record, purchasing accident forgiveness ahead of time could help hold your rates down after an accident.
Phoenix drivers with an at-fault accident on their record pay an average of $258 per month for full coverage and $153 for liability-only car insurance. Here are some average monthly quotes for insurers in Phoenix when you have an at-fault accident on your driving record.
Cheapest car insurance for drivers with a DUI: Mile Auto
Driving under the influence of alcohol is a serious offense that’ll often result in your car insurance rates increasing significantly, as this raises a red flag to insurance companies. A DUI can stay on your driving record indefinitely in Arizona.
In Phoenix, rates almost double when you have a DUI on your record. The average cost of full coverage and liability-only policies per month in Phoenix after a DUI climb to $271 and $161, respectively. Here are some of the cheapest car insurance rates for drivers with a DUI in Phoenix.
Cheapest car insurance for seniors: Mile Auto
While car insurance rates tend to go down once you turn 25, they may rise again as you enter your 70s. Insurance companies see older drivers and teens as riskier to insure since they tend to get in more accidents.1 But this isn’t always the case for seniors, especially if you keep a clean driving record. Overall, older drivers have the lowest car insurance rates of any age group, even considering the rise in rates after age 70.
Some insurers may also offer discounts to senior drivers as well.2 They may also offer discounts for driving fewer miles during the year.
On average, senior drivers in Phoenix pay $170 per month for full coverage and $101 for liability only. Here are insurers with the cheapest insurance quotes for Phoenix seniors.
Cheapest car insurance for teens: Mile Auto
Young drivers have less experience on the road and are a riskier age group for companies to insure. While teen drivers pay higher car insurance rates, they may also be able to save by utilizing discounts for good grades or completing a driver safety program. Discount opportunities vary by insurer, so it’s always best to shop around.
Young drivers may also be able to get a better rate by remaining on their parents’ insurance policy. In Phoenix, full coverage for a teen driver costs an average of $430 per month and $255 for liability only.
Here are some of the cheapest car insurance rates for teen drivers in Phoenix.
Phoenix car insurance quotes by credit tier
Arizona allows insurers to factor in your credit history when calculating insurance rates. Insurers will generate an insurance score that predicts the likelihood that you’ll file an insurance claim in the future.
Typically, the higher your credit score, the lower the rate you could qualify for. An excellent credit score range is anything above 720. But if you have a poor credit score, this doesn’t always mean you’ll receive a higher premium since insurers consider other factors when calculating premiums.
Here are some average monthly quotes for full-coverage car insurance in Phoenix based on your credit score tier.
Is car insurance more expensive in Phoenix?
Car insurance rates in Phoenix vary from other cities in Arizona. While the overall average cost of insurance in Phoenix is $161, this is higher than the state average of $126.
Drivers in larger, high-traffic cities may pay higher car insurance rates, especially if the rate of accidents is increased. Another factor that could affect rates is the cost of vehicle repairs in a particular area.
More cities in Arizona
Here’s how average monthly car insurance quotes differ in other Arizona cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Phoenix car insurance FAQs
Looking for more information on car insurance options in Phoenix? You’ll find answers to some of the most commonly asked questions here.
How much is car insurance in Phoenix?
The average monthly cost of car insurance in Phoenix is $202 for full coverage and $120 for a liability-only policy, according to Insurify data.
Which company has the cheapest car insurance in Phoenix?
Mile Auto has the cheapest car insurance rates in Phoenix, with monthly liability rates as low as $76. Auto-Owners and National General also offer affordable coverage, with respective monthly liability rates of $102 and $105.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Phoenix?
State Farm, GEICO, and Auto-Owners are some of the top insurers in Phoenix. They have IQ Scores of 9.3, 9.2, and 8.2 out of 5, respectively. State Farm also boasts the industry’s top J.D. Power customer service ratings, and GEICO’s app is generally well received.3 Hugo draws a lot of attention for its low rates, but its IQ Score is lower, at 6.3.
Why is car insurance so expensive in Phoenix?
Car insurance is higher in Phoenix than most other metro areas in Arizona. This can be due to several factors, including the increased potential for accidents and vehicle theft. It may also be due to higher costs associated with repairing a car in the area.
Is it illegal to drive in Arizona without insurance?
Yes. You must have car insurance to drive a vehicle in Arizona. If you’re a young driver, you may also find coverage under your parents’ auto policy, but coverage is still required.
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