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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
On average, Phoenix drivers pay $167 per month for auto insurance, while the Arizona state average is $127 per month. Still, you can find a great policy for much cheaper — if you know where to look. We found that Just Pay-Per-Mile has the best overall rates in Phoenix, but the cheapest company for you will depend on your unique driver profile and other important factors.
We analyzed thousands of car insurance quotes in Phoenix to find the cheapest companies for various age groups, coverage levels, and driving records.
Just Pay-Per-Mile is the cheapest car insurance company in Phoenix, with rates averaging $82 per month.
Full-coverage car insurance averages $206 per month, while liability-only is $127 in Phoenix.
Arizona drivers must have at least 25/50/15 liability insurance to legally drive in the Grand Canyon State.
We already covered that the average Phoenix driver pays $167 per month, but these types of broad averages can only be so useful, since several different types of policies are available. The table below showcases average rates for the two most common policies — liability and full coverage — in Phoenix, Arizona, and across the U.S.
Location  | Average Monthly Premium: Liability Insurance | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Phoenix | $127 | $206 | $167 |
| Arizona | $96 | $159 | $127 |
| National average | $100 | $172 | $136 |
The average cost of car insurance in Phoenix is $127 per month for liability-only and $206 for full coverage, according to Compare.com data. But you can still find a better deal if you know where to look.
Check out the next section if you’re looking for the cheapest rates in Phoenix.
Compare personalized quotes from Phoenix’s top insurers.
Although Phoenix’s average car insurance rate is $167 per month, some companies offer policies for much less.
The table below shows Phoenix’s cheapest car insurance companies, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $82 |
| Auto-Owners | $85 |
| Mile Auto | $90 |
| Progressive | $96 |
| Certainly | $101 |
| State Farm | $104 |
| Sun Coast | $104 |
| Aspire General | $108 |
| Novo Flex | $112 |
| Mercury | $116 |
| USAA | $117 |
| The General | $121 |
| Novo Next | $122 |
| Dairyland | $128 |
| Novo | $128 |
| Just Unlimited | $135 |
| Hiroad | $136 |
| Safeco | $139 |
| Bristol West | $141 |
| GEICO | $141 |
| National General | $141 |
| Direct Auto | $148 |
| Trexis | $158 |
| Clearcover | $162 |
| Commonwealth Casualty | $162 |
| AssuranceAmerica | $164 |
| Root | $164 |
| GAINSCO | $166 |
| Allstate | $173 |
| Covercube | $179 |
| Travelers | $180 |
| COUNTRY Financial | $203 |
| American Family | $204 |
| The Hartford | $209 |
| Farmers | $211 |
| Liberty Mutual | $224 |
| Nationwide | $235 |
Our research found that Just Pay-Per-Mile is the cheapest auto insurance company in Phoenix, with rates averaging $82 per month. Now, let’s look at the top insurance companies and the cheapest insurers based on the most significant rating factors.
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No single insurance company is best for everyone. The company that’s best for you ultimately depends on things like your age, driving record, budget, and coverage needs.
We evaluated dozens of Phoenix insurance companies to find the best options based on average rates, discounts, customer ratings, and available coverages.
The three companies below are some of your best bets if you have a spotty driving record, are a young driver, or are looking for the most discounts in Phoenix.
| User Reviews | 4.3 |
|---|---|
| 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. | 4.1 /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. | $85/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. | $144/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners is one of our top picks for affordable car insurance in Phoenix. It’s among the cheapest options for Arizona drivers with spotty driving records, whether you have a speeding ticket or a DUI. It also offers several unique coverages like rental auto gap coverage and has multiple discounts to help you get lower rates.
That said, you can’t file auto claims online except for glass claims. Quotes are also available only through independent insurance agents.
Offers rental auto gap coverage
Higher-than-average customer satisfaction
Multiple discounts available
Quotes only available through independent agents
Doesn‘t offer a usage-based telematics program
Can’t report auto claims online
| User Reviews | 4.1 |
|---|---|
| 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. | $177/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.6 | 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.
State Farm offers Phoenix’s teens and young drivers multiple ways to save on insurance premiums, like Steer Clear, Drive Safe & Save, and driver training. But you typically must have a clean driving record to qualify for these programs.
You can get quotes, file claims, and track them online through State Farm’s website and mobile app.
Multiple ways for young drivers to save
Online quotes available
Can file and track claims online
Fewer available coverage options than competitors
Doesn‘t offer accident forgiveness coverage
Must purchase policies through a State Farm local agent
| User Reviews | 4.1 |
|---|---|
| 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. | $141/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. | $229/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.5 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers a long list of discounts to help you get lower rates in Phoenix, many of which don’t require a clean driving record. Still, the company has only a few agents in the area if you prefer to do business locally. Though it offers rental reimbursement and mechanical breakdown insurance, gap coverage isn’t available.
GEICO’s highly rated mobile app allows you to get quotes, make changes, file claims, and track claims 24/7. But it has a below-average rating in 2025 J.D. Power’s Auto Claims Satisfaction Study in the Southwest region.
Long list of available discounts
Offers numerous bundling opportunities
Highly rated mobile app
Gap coverage not available
Only four local insurance agents in Phoenix
Below-average customer and claims satisfaction
Compare personalized quotes from Phoenix’s cheapest companies.
The level of coverage you choose has a direct effect on your car insurance rates. Liability coverage equal to the state’s minimum requirements is the cheapest insurance policy available. It covers others if you cause injuries or property damage in an accident, but it doesn’t cover you or your vehicle.
State-minimum coverage averages $127 per month in Phoenix, but many companies offer policies for much less. The chart below breaks down the cheapest liability-only companies in Phoenix, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Just Pay-Per-Mile | $82 |
| Auto-Owners | $85 |
| Mile Auto | $90 |
| Progressive | $96 |
| Certainly | $101 |
| State Farm | $104 |
| Sun Coast | $104 |
| Aspire General | $108 |
| Novo Flex | $112 |
| Mercury | $116 |
| USAA | $117 |
| The General | $121 |
| Novo Next | $122 |
| Dairyland | $128 |
| Novo | $128 |
| Just Unlimited | $135 |
| Hiroad | $136 |
| Safeco | $139 |
| Bristol West | $141 |
| GEICO | $141 |
| National General | $141 |
| Direct Auto | $148 |
| Trexis | $158 |
| Clearcover | $162 |
| Commonwealth Casualty | $162 |
| AssuranceAmerica | $164 |
| Root | $164 |
| GAINSCO | $166 |
| Allstate | $173 |
| Covercube | $179 |
| Travelers | $180 |
| COUNTRY Financial | $203 |
| American Family | $204 |
| The Hartford | $209 |
| Farmers | $211 |
| Liberty Mutual | $224 |
| Nationwide | $235 |
The above companies are great choices if you’re looking for bare-bones coverage, but, if you need more robust protection, consider a full-coverage policy instead.
With that in mind, let’s take a look at which companies offer the best rates for these additional coverages.
Full-coverage insurance usually includes liability, comprehensive, collision, medical payments (MedPay), and uninsured motorist coverage. These coverages can pay for everyone’s injuries and property damage, regardless of fault, which is why it’s more expensive than a liability-only policy.
The average cost of full-coverage car insurance in Phoenix is $206 per month. But the cheapest insurers in the area are far less expensive, as shown in the chart below.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $144 |
| Just Pay-Per-Mile | $153 |
| Mile Auto | $154 |
| Novo Flex | $155 |
| Novo Next | $168 |
| State Farm | $177 |
| Sun Coast | $179 |
| Progressive | $190 |
| Safeco | $191 |
| Novo | $194 |
| Mercury | $199 |
| USAA | $199 |
| Aspire General | $208 |
| GEICO | $229 |
| Hiroad | $247 |
| Root | $254 |
| Just Unlimited | $259 |
| Bristol West | $262 |
| Clearcover | $265 |
| Direct Auto | $272 |
| National General | $272 |
| Certainly | $276 |
| Liberty Mutual | $288 |
| Allstate | $295 |
| The General | $295 |
| Travelers | $307 |
| Trexis | $315 |
| AssuranceAmerica | $317 |
| Dairyland | $319 |
| Commonwealth Casualty | $335 |
| COUNTRY Financial | $347 |
| American Family | $348 |
| Covercube | $355 |
| The Hartford | $357 |
| Farmers | $360 |
| GAINSCO | $366 |
| Nationwide | $402 |
While these broad averages are helpful to get you started on your shopping journey, your rates may be much different since insurers use several factors to determine how much you pay.
So let’s dive deeper into Phoenix’s average rates by two of the most important factors: age and driving record.
Your driving history significantly affects your auto insurance rates because the more accidents and moving violations you’re involved in, the more likely you are to file future claims. High-risk drivers pay higher rates to offset the likelihood of future claims, while people with a clean history often get the best rates.
The table below highlights how your driving record affects rates in Phoenix specifically, according to Compare.com data.
Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $167 | Just Pay-Per-Mile | $82 |
| Speeding ticket | $211 | Just Pay-Per-Mile | $104 |
| At-fault accident | $226 | Just Pay-Per-Mile | $111 |
| DUI | $234 | Just Pay-Per-Mile | $115 |
Expect your rates to increase for at least three years if you get a speeding ticket. In fact, the national average rate increase is 29% with one speeding ticket, according to our data. The average Phoenix driver pays $211 per month after a speeding ticket, but some companies offer policies for much cheaper.
We found that Just Pay-Per-Mile has the most affordable average premium for Phoenix drivers with a ticket, at $104 per month.
You’ll pay higher rates if you cause a car accident — premiums increase by an average of 33% nationally after an at-fault accident, according to Compare.com data. In Phoenix, you can expect to pay around $226 per month after a single at-fault accident, based on our research.
The cheapest insurer for Phoenix drivers with an at-fault accident on their record is Just Pay-Per-Mile, averaging $111 per month.
A DUI is a severe violation that can dramatically affect your car insurance premiums. Nationally, the average insurance increase after a DUI conviction is 61%, according to our rate analysis. In Phoenix, a DUI conviction increases average rates from $167 per month to a lofty $234, but that doesn’t mean you just have to accept these higher rates.
We found that Just Pay-Per-Mile offers the lowest average rates for Phoenix drivers with a DUI conviction, at $115 per month.
One of the most significant rating factors for car insurance is your age. Young drivers typically pay the highest rates because they don’t have much driving experience and are more likely to be involved in accidents. But as you age, your insurance rates should decrease as you gain experience behind the wheel and prove you’re a safe driver.
The table below illustrates the average monthly rate in Phoenix and the insurers that offer the cheapest rates by age group, according to Compare.com data.
Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $364 | Just Pay-Per-Mile | $179 |
| 40s | $165 | Just Pay-Per-Mile | $81 |
| Seniors | $140 | Just Pay-Per-Mile | $69 |
Teenagers are the most expensive age group to insure because they’re the riskiest drivers. Teen drivers often speed, drive distracted or while drowsy, and don’t wear seat belts, contributing to higher-than-average car accidents and deaths, according to the National Transportation Safety Board (NTSB).
The average Phoenix teen pays $364 per month for car insurance, but Just Pay-Per-Mile has the lowest rates in Phoenix, averaging $179 per month.
Seniors often get the cheapest car insurance rates of any age group because they usually avoid driving during peak times and tend to be more cautious than other age groups. This is good news for retirees, who typically have to tighten their budgets as they transition from working to enjoying their golden years.
Just Pay-Per-Mile has the best rates for seniors, averaging just $69 per month for Phoenix residents in their 60s, according to our research. That’s much less than the citywide average of $140 per month.
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State laws include minimum-coverage requirements that all drivers must follow, and Arizona is no different. Phoenix drivers must have limits of at least 25/50/15, according to the Arizona Department of Insurance and Financial Institutions, which breaks down to:
$25,000 of bodily injury liability (BI) coverage per person
$50,000 of BI coverage per accident
$15,000 of property damage liability (PD) coverage
Insurers must offer the same minimum limits for uninsured/underinsured motorist coverage, but you can waive this coverage if you don’t want it. Keep in mind, though, that uninsured/underinsured motorist coverage can protect you if someone hits you and doesn’t have insurance, doesn’t have enough liability coverage to pay for your injuries and vehicle damage, or leaves the scene without a note.
If you think you’re paying too much for your Phoenix car insurance policy, follow these tips to save money without sacrificing important coverage:
Improve your credit. Insurers use a credit-based insurance score to determine insurance costs. Paying your bills on time and having good credit can lower your rate.
Bundle your policies. Combining your car and homeowners insurance with the same company makes you eligible for a multi-policy discount, providing up to 25% in savings on your auto insurance.
Buy only the coverage you need. You probably need full coverage if you can’t afford to replace your vehicle or if you have a loan or lease. But if you have an older car you can afford to replace, consider liability-only coverage.
Compare quotes annually. It’s a good idea to compare car insurance quotes from multiple companies each year to ensure you’re getting the best price.
Compare personalized quotes from the cheapest insurers in Phoenix.
The following answers to some of the most commonly asked questions on car insurance in Phoenix may help you snag the lowest rates for your specific needs.
Just Pay-Per-Mile has the cheapest car insurance in Phoenix, with an average cost of $82 per month, according to Compare.com data. But it won’t necessarily be the cheapest for you, since rates vary by several personal factors, like age, driving record, and coverage level.
Car insurance is expensive in Phoenix because of higher vehicle values, repair costs, and costly technology, according to 12News. Each of these factors increases claim expenses, which means insurers pay more. Insurance companies don’t have to get approval to raise rates in Arizona; they just have to justify why they’re charging more.
The best car insurance company depends on your coverage needs, driving record, age, and budget. That said, we found that Just Pay-Per-Mile has some of the most affordable rates in Phoenix, averaging $82 monthly.
The state of Arizona requires drivers to have at least 25/50/15 liability insurance and uninsured/underinsured motorist (UM/UIM) insurance at the 25/50 levels, though you can decline the latter.
The Arizona Motor Vehicle Division (MVD) will suspend your driver’s license and vehicle plates if it finds out you’re driving without insurance. If found guilty, you’ll pay fines of $500 for the first offense, $750 for the second, and $1,000 for the third offense.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed January 16, 2025.
J.D. Power, “2024 U.S. Auto Claims Satisfaction Study,” accessed January 16, 2025.
National Transportation Safety Board, “Teen and Young Driver Safety,” accessed January 16, 2025.
Arizona Department of Insurance and Financial Institutions, “Minimum Coverage Required for Arizona Drivers,” accessed January 16, 2025.
AZ Court Help, “What happens if I am pulled over and do not have car insurance?,” accessed January 16, 2025.
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.
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
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.
