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In This Article:
How much is car insurance in Phoenix?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $11 a month more expensive to insure your vehicle in Phoenix than it is in the rest of Arizona.
Drivers relocating from out of state may enjoy some cost savings in Phoenix. You can expect to pay about $8 below the national average for auto insurance in Phoenix.
Keep in mind that while these are the average car insurance rates for Phoenix, it isn't guaranteed that it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Phoenix so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It makes sense that the older you are, the more experience you have driving, right? That experience can snag you some serious savings when it comes to auto insurance. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Phoenix drivers may see their rates creep back up a bit once they hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. The difference in Phoenix is about $4 per month. As illustrated in the table above, male drivers in the area pay about $75 on average, while female drivers pay around $71 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Phoenix, a driving record with a single accident will usually get you a rate around $92 a month. In addition, drivers with one ticket can expect to pay around $84 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$82|
|15 Years or Older||$69|
In terms of affordable coverage, the cheapest vehicles to insure in Phoenix are by and large trucks and vans, at $63 per month.
Car owners can expect to pay an average of around $76 a month for their policy, while SUVs usually cost around $71 a month to insure.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Phoenix, vehicles less than one year old are the most expensive to insure.
Vehicle age also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your rates may start to dip back down a bit. The most expensive vehicles to insure in Phoenix are vehicles less than or equal to one-year-old and six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$77|
More often than not, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
The cost of auto insurance in Phoenix reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Your housing situation is another factor that affects your monthly rate. Drivers who own property in Phoenix can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Phoenix, AZ
Recent trends in car insurance for Phoenix drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Phoenix, the rates for car insurance had been increasing from 2020-2021, before steadying out in 2022. Policy premiums finished down in 2022, at $69 a month
How does Phoenix compare to neighboring areas?
Why are car insurance rates in Phoenix different from other areas?
Car insurance companies will take into account a lot of factors when figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Number of car accidents
- Crime levels
- Regional laws
- Total amount of drivers in the community
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Phoenix?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Phoenix.
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Phoenix Insurance FAQs
What factors affect car insurance quotes in Phoenix?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Phoenix different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, parking situations, and local laws -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Phoenix?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Phoenix?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Phoenix or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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