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How much is car insurance in Phoenix?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Phoenix will typically run you about $11 a month more than in the rest of Arizona.
Compared to the rest of the country, auto insurance in Phoenix is more affordable. The average monthly payment in Phoenix is about $8 less than the rate for the rest of the U.S.
While these numbers are the average rates for auto insurance in Phoenix, that doesn't mean it's what you'll pay. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've broken down the average rates for Phoenix to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It would make sense that older drivers have more driving experience, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates begin to climb back up.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. This is true in Phoenix, where women pay around $4 less a month. As you can see in the table above, male drivers in the area typically pay $73 on average, while female drivers typically pay $69 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 significantly lower rates than those with accidents or violations. In Phoenix, a driving record with one accident will usually get you a rate around $90 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $93.
Regardless of where you live, accidents,tickets, and other driving infractions can greatly increase your premium. That's why it's important to drive safely and keep your record clean so you can get keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$66|
According to the first table above, trucks and vans are for the most part the cheapest vehicles to insure in Phoenix.
The monthly premium for SUV owners is about $69 a month, while car owners' policies run them around $72 per month.
On the other hand, truck and van drivers typically pay around $63.
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)||$75|
Generally, car insurance is slightly cheaper for married policy-holders. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Despite single drivers normally paying less for auto insurance than married drivers, both groups pay about the same for monthly coverage in Phoenix.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than homeowners in Phoenix. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Phoenix, AZ
Recent trends in car insurance for Phoenix drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when deciding when and where to shop.
In Phoenix, car insurance rates have been steadily increasing, reaching a high of $81 in 2021.
How does Phoenix compare to neighboring areas?
Why are car insurance rates in Phoenix different from other areas?
There are many factors car insurance companies will consider when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you call home. These include things like:
- Access to off-street parking
- Area crime rates
- Total number of drivers in the region
- Regional regulations
- Number of car accidents
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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Phoenix?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Phoenix.
Phoenix Insurance FAQs
What factors affect car insurance quotes in Phoenix?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Phoenix different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Phoenix?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Phoenix?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Phoenix or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.