+120 more*These quotes are from Compare.com users in and around Phoenix, Arizona within the last 10 days. Updated on October 16, 2026
*These quotes are from Compare.com users in and around Phoenix, Arizona within the last 10 days. Updated on October 16, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
){kind=small}
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
Updated
Auto-Owners offers the cheapest full-coveage car insurance in Phoenix, averaging $136 per month.
Car insurance in Phoenix costs about $40 more per month than the Arizona average.
Phoenix drivers with an at-fault accident pay about 20% more for full coverage than drivers with a clean record, according to Compare.com data.
Phoenix ranks No. 1 in Arizona for vehicle thefts, accounting for 38% of the state’s total, which can drive up comprehensive coverage costs.
Phoenix drivers pay an average of $134 per month for state-minimum insurance and $220 for full coverage.
Rates in Phoenix are typically higher than those in Tucson, Arizona’s second-largest city. Tucson drivers pay an average of $95 per month for liability coverage and $154 per month for full coverage. Average rates in Phoenix are also more expensive than the overall state average.
Phoenix’s dense urban population, heavy commuter traffic, and higher vehicle theft rates increase the likelihood of claims, which contribute to its higher average rates.[1]
Get personalized quotes from the city’s top insurance companies and save money today.
Auto-Owners offers the lowest average liability-only rate in Phoenix, at $85 per month. Compare that with the overall city average of $134 and the Arizona average of $99. State-minimum liability-only coverage is about $85 less per month than full coverage in Phoenix.
Arizona law requires drivers to have liability coverage with minimum limits of $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability coverage.[2]
The table below shows insurers offering cheap liability insurance in Phoenix, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $85 |
| Just Pay-Per-Mile | $86 |
| Mile Auto | $103 |
| State Farm | $104 |
| Sun Coast | $107 |
| Progressive | $111 |
| Aspire General | $115 |
| Novo Flex | $116 |
| USAA | $118 |
| Certainly | $120 |
| Novo Next | $120 |
| The General | $125 |
| Mercury | $128 |
| Novo | $132 |
| Allstate | $140 |
| Safeco | $141 |
| GEICO | $143 |
| Just Unlimited | $143 |
| Hiroad | $147 |
| Direct Auto | $148 |
| Bristol West | $152 |
| Dairyland | $159 |
| Clearcover | $162 |
| National General | $162 |
| Trexis | $168 |
| AssuranceAmerica | $169 |
| Commonwealth Casualty | $169 |
| GAINSCO | $170 |
| Travelers | $181 |
| Covercube | $189 |
| Mendota | $194 |
| Insurify Car | $199 |
| First Acceptance | $202 |
| Country Financial | $205 |
| American Family | $206 |
| The Hartford | $211 |
| Farmers | $213 |
| Liberty Mutual | $236 |
| Root | $240 |
| Hugo | $244 |
Auto-Owners offers the cheapest full-coverage car insurance in Phoenix, averaging $136 per month. The overall city average is $220 per month, while full coverage rates in nearby Chandler average $162.
Full coverage includes comprehensive and collision coverage, which can be particularly valuable in Phoenix because of its high crash and vehicle theft rates. Comprehensive coverage helps pay to repair or replace your vehicle after an accident or if someone steals it.
Check out the table below to find out which companies offer the cheapest full-coverage car insurance in Phoenix, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $136 |
| Novo Next | $152 |
| Just Pay-Per-Mile | $159 |
| Novo Flex | $160 |
| State Farm | $168 |
| Progressive | $172 |
| Mile Auto | $177 |
| Sun Coast | $178 |
| USAA | $186 |
| Safeco | $195 |
| Novo | $199 |
| Mercury | $214 |
| Aspire General | $215 |
| Allstate | $219 |
| GEICO | $230 |
| Hiroad | $255 |
| Direct Auto | $263 |
| Clearcover | $267 |
| Bristol West | $271 |
| Just Unlimited | $276 |
| Travelers | $288 |
| Liberty Mutual | $297 |
| National General | $297 |
| The General | $297 |
| AssuranceAmerica | $301 |
| Certainly | $305 |
| Trexis | $325 |
| Country Financial | $326 |
| American Family | $328 |
| The Hartford | $337 |
| Farmers | $338 |
| Commonwealth Casualty | $339 |
| Root | $343 |
| GAINSCO | $361 |
| Dairyland | $365 |
| Covercube | $372 |
Every driver has different needs, so no one insurer is the right fit for everyone. But some insurers stand out, and we compiled actual user reviews, proprietary data, and Compare.com ratings to find the best car insurance companies in Phoenix.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $104/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $168/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.3 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Many senior drivers want extra help from their insurance company. State Farm offers competitive rates for Phoenix seniors, plus personalized service through local agents, multiple ways to pay your bill, and 24/7 claims support. Safe senior drivers can also save up to 30% with State Farm’s Drive Safe & Save telematics program.
High customer satisfaction in Southwest region
Many local agents in Phoenix
Accident forgiveness not available
Few car insurance discounts available in Arizona
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $103/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $177/mo |
Phoenix drivers travel an average of 9,256 miles per year. But if you don’t drive often, you might save more with pay-per-mile insurance over a traditional policy. Mile Auto offers affordable liability and full-coverage rates in Phoenix based on how much you actually drive. The company also offers various optional coverages, like rental car reimbursement and roadside assistance.
Rates based on the miles you drive
Doesn’t track your driving habits or vehicle
Gap insurance not available
Discounts in Phoenix may not be available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $143/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $230/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Young drivers pay some of the highest rates in Phoenix, but GEICO offers below-average rates for younger drivers. You could save even more with discounts for being a good student, good driver, and bundling auto with homeowners insurance. GEICO’s DriveEasy telematics program also rewards safe drivers with lower rates.
Multiple ways for young Phoenix drivers to save
Offers mechanical breakdown coverage in Arizona
Below-average satisfaction rating in Southwest region
DriveEasy may raise rates for risky drivers
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Phoenix drivers. We researched, analyzed, and weighed several categories important to Phoenix insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Phoenix drivers find the best auto insurance policy for their unique needs.
*These quotes are from Compare.com users in and around Phoenix, Arizona within the last 10 days. Updated on October 16, 2026
*These quotes are from Compare.com users in and around Phoenix, Arizona within the last 10 days. Updated on October 16, 2026
Car insurance rates in Phoenix typically increase after an incident, with rates increasing the most after a driving under the influence (DUI) conviction. But even a single speeding ticket can increase your premiums. Auto-Owners offers some of the most affordable car insurance in Phoenix after an incident.
The table shows how rates in Phoenix vary by driving record, according to data from Compare.com.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $177 |
| Speeding ticket | $229 |
| At-fault accident | $243 |
| DUI | $250 |
If you have an incident on your record, you’re not necessarily stuck paying higher rates. The following companies offer affordable liability rates for different Phoenix drivers, according to Compare.com data.
Cheapest car insurance for drivers in Phoenix with a clean driving record: Auto-Owners
Cheapest car insurance for drivers in Phoenix with a speeding ticket: Auto-Owners
Cheapest car insurance for drivers in Phoenix with an at-fault accident: Auto-Owners
Cheapest car insurance for drivers in Phoenix with a DUI: Auto-Owners
In Phoenix, 4% of drivers have a speeding ticket, 4% have an at-fault accident, and 1% have a DUI on their record, according to Compare.com data. Phoenix police use past crash data to identify where and when to target impaired and speeding drivers.[3] Penalties for a first-time DUI include up to 10 days in jail, a $250 fine, and suspension of your license for at least 90 days.
Arizona is an at-fault state, meaning you’re responsible for injuries and property damage you cause in a crash. But insurers can raise your rates only if you significantly contribute to the accident, which usually means the insurer finds you at least 51% at fault.
Compare quotes from Phoenix’s most affordable insurers, starting at an average of $136 per month.
Phoenix recorded 37,472 crashes in 2024, up 2% from 36,927 in 2023, according to the Arizona Department of Transportation (ADOT).[4] Distracted driving, speeding, and driving impaired are the most common causes of accidents in Phoenix, according to the city’s 2024 collision summary.
Despite a statewide 25% decrease in 2025, Phoenix still ranks No. 1 in Arizona for vehicle thefts. High theft rates often translate into higher comprehensive coverage costs. Arizona’s average comprehensive premium was about 15% higher than the national average in 2023, according to the National Association of Insurance Commissioners (NAIC).[5]
Like comprehensive coverage, uninsured/underinsured motorist coverage (UM/UIM) is optional in Arizona, but the Arizona Department of Insurance and Financial Institutions recommends it. Around 12% of Arizona drivers are uninsured, according to the Insurance Information Institute.[6]
Phoenix’s dense urban population and traffic congestion increase crash risk, which contributes to the city’s higher-than-average premiums. Major routes such as Interstate 10, I-17, and the Arizona state Route 101 Loop are among the most dangerous stretches of road in the city.
Phoenix ranks No. 22 in the country for traffic congestion, with the average driver losing 42 hours to congestion in 2025, according to INRIX.7 Spring is an especially busy time on Phoenix roads, with millions of tourists coming to the Valley for events such as the M3F Music Festival and Cactus League Spring Training.
Car insurance in Phoenix is so expensive because the city has a high rate of crashes and vehicle thefts. In 2024, nearly 102 accidents and 13 vehicle thefts occurred every day in the Valley. Insurers factor in claim frequency and severity when setting local rates, which is why Phoenix drivers pay more than the Arizona average.
The table below shows average rates in Phoenix and the overall average in Arizona, according to Compare.com data.
Location | Average Monthly Premium |
|---|---|
| Phoenix | $177 |
| All of Arizona | $134 |
Auto insurance in Phoenix averages $177 per month, compared to $171 per month in nearby Glendale and $133 per month in Scottsdale. Higher traffic density, crash risks, and vehicle thefts mean Phoenix drivers often pay more than drivers in neighboring cities.
Check out the table below to find out how average rates compare in Arizona cities, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Sierra Vista | $63 | $120 |
| Douglas | $67 | $141 |
| Lake Havasu City | $68 | $103 |
| Bullhead City | $71 | $117 |
| Cottonwood | $71 | $107 |
| Kingman | $71 | $125 |
| Safford | $73 | $134 |
| Prescott Valley | $74 | $142 |
| Yuma | $76 | $129 |
| Prescott | $78 | $120 |
| Flagstaff | $79 | $135 |
| Marana | $82 | $134 |
| Sahuarita | $86 | $150 |
| Florence | $89 | $149 |
| Casa Grande | $92 | $152 |
| Tucson | $95 | $154 |
| Sun City | $97 | $131 |
| Goodyear | $98 | $162 |
| Maricopa | $100 | $176 |
| Apache Junction | $101 | $149 |
| Chandler | $104 | $162 |
| Scottsdale | $105 | $161 |
| Buckeye | $107 | $187 |
| Mesa | $107 | $163 |
| San Tan Valley | $112 | $174 |
| Surprise | $112 | $182 |
| Gilbert | $113 | $173 |
| Peoria | $116 | $184 |
| Tempe | $117 | $179 |
| El Mirage | $119 | $202 |
| Avondale | $120 | $190 |
| Litchfield Park | $122 | $175 |
| Queen Creek | $125 | $181 |
| Laveen | $127 | $228 |
| Tolleson | $129 | $203 |
| Glendale | $131 | $211 |
| Phoenix | $134 | $220 |
Below, we answered some common questions about Phoenix car insurance.
Full coverage insurance in Phoenix costs an average of $220 per month, according to Compare.com data. That said, your rate will vary depending on many different factors, including your age, driving record, coverage limits, and insurance company.
Auto-Owners has the cheapest car insurance in Phoenix, with average rates starting at $136 per month, according to Compare.com data. But your rates may vary, so find the cheapest insurer for your coverage needs by comparing quotes from at least three companies.
It depends. The cheapest company for you depends on factors like your driving history, age, vehicle, and ZIP code. Compare quotes with identical coverages and deductibles to find if AAA or GEICO is cheaper for you.
Arizona car insurance requirements include only liability coverage. If you get a state-minimum policy, it’ll cover only damage and injuries you cause to others, not your own. Adding comprehensive, collision, and medical payments (MedPay) coverage can help pay for your vehicle damage and injuries.
Many factors affect car insurance rates in Arizona. Accident and theft rates can increase premiums, especially in dense urban areas like Phoenix. Arizona car insurance companies also consider factors like your age, driving record, credit history, vehicle type, and location when determining your rate.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
5+ years in communications and content creation
2+ years in insurance content
Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.
Triple-I's media relations director
20+ years in insurance
Mark serves as a national spokesman for Triple-I. An insurance expert, he's an impartial, independent reviewer for Compare.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
