Cheap Car Insurance in Phoenix
Best cheap car insurance companies in Phoenix
Cheapest full-coverage car insurance in Phoenix: State Farm
State Farm has the cheapest full-coverage car insurance for most Phoenix drivers, with rates that average $2,062 a year, or $172 a month. This is 34% less than the city average of $262 a month.
USAA’s average quote is even cheaper at $162 a month, but USAA only serves members of the military and their families.
Drivers in Phoenix should also get quotes from Travelers and Progressive before they buy or renew their car insurance policies. Their full-coverage insurance
Full-coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $2,062 |  |
 | Travelers | $2,310 | |
 | Progressive | $2,462 |  |
 | American Family | $2,633 | |
 | Geico | $3,253 |  |
 | The Hartford | $3,942 |  |
 | Allstate | $4,634 |  |
 | Farmers | $5,068 | |
 | USAA* | $1,941 | |
Phoenix’s best cheap liability car insurance: State Farm
At $947 a year, or $79 a month, State Farm has the cheapest liability car insurance quotes in Phoenix for most drivers. Travelers is next at $82 a month. Both companies’ rates are about one-third cheaper than the city average of $112 a month.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $947 |
| Travelers | $983 |
| Progressive | $1,109 |
| American Family | $1,120 |
| Geico | $1,487 |
| The Hartford | $1,575 |
| Farmers | $2,077 |
| Allstate | $2,144 |
| USAA* | $687 |
It’s always a good idea to compare car insurance quotes from several companies before you renew or buy a policy, but it’s an especially good one in cases like this. Companies look at many factors to come up with a quote, like the make and model of your vehicle and your insurance history.
State Farm and Travelers have similar average rates for liability coverage
Cheapest car insurance in Phoenix for young drivers: Travelers
Most young drivers in Phoenix can get the cheapest auto insurance quotes from Travelers. Travelers has the city’s lowest rates for both liability-only ($248 a month) and full-coverage ($527 a month) policies outside of USAA.
State Farm comes in a close second in both areas, so get a quote from them as well if you want the most affordable car insurance for young drivers. Another reason to consider State Farm is that it has a much better customer satisfaction score from J.D. Power than Travelers.
Car insurance quotes for young drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Travelers | $2,979 | $6,322 |
| State Farm | $3,259 | $6,383 |
| Geico | $3,838 | $7,292 |
| The Hartford | $3,876 | $11,254 |
| American Family | $4,617 | $8,787 |
| Progressive | $4,657 | $11,738 |
| Allstate | $6,076 | $13,043 |
| Farmers | $9,139 | $20,980 |
| USAA* | $1,960 | $4,943 |
Cheap insurance quotes after a speeding ticket in Phoenix: State Farm
State Farm is the cheapest car insurance company for Phoenix drivers with a speeding ticket on their records. The company’s average rate for drivers with tickets is $183 a month, which is about half the city average ($349 a month).
The average Phoenix driver pays 33% more for car insurance after a speeding ticket.
Car insurance quotes after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,201 |
| Travelers | $2,937 |
| American Family | $3,186 |
| Progressive | $3,339 |
| Geico | $4,396 |
| The Hartford | $5,290 |
| Allstate | $6,873 |
| Farmers | $6,997 |
| USAA* | $2,512 |
Phoenix’s cheapest car insurance rates after an accident: State Farm
At around $172 a month, State Farm has the cheapest car insurance after an accident in Phoenix. This is less than half the city average rate of $377 a month.
Drivers in Phoenix see their car insurance rates go up 44% after an accident, on average.
Car insurance quotes after an accident
| Company | Annual rate |
|---|---|
| State Farm | $2,062 |
| Travelers | $3,253 |
| Geico | $3,557 |
| Progressive | $3,801 |
| American Family | $4,596 |
| The Hartford | $6,169 |
| Allstate | $6,865 |
| Farmers | $7,522 |
| USAA* | $2,879 |
Cheap Phoenix insurance for young drivers with bad driving records: State Farm
Teen and other young drivers in Phoenix get the cheapest auto insurance quotes from State Farm after a ticket ($294 a month) or accident ($272 a month).
Travelers is the next-cheapest company in both cases. The company’s average quote after a ticket ($313 a month) is nearly as good as State Farm’s, in particular.
Car insurance for teens after a ticket or accident
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $3,523 | $3,259 |
| Travelers | $3,758 | $4,294 |
| Progressive | $4,858 | $4,960 |
| Geico | $5,054 | $3,984 |
| American Family | $5,143 | $7,140 |
| The Hartford | $5,370 | $6,899 |
| Allstate | $6,988 | $7,202 |
| Farmers | $11,317 | $12,202 |
| USAA* | $3,168 | $3,474 |
Besides comparing quotes, you can save money on car insurance for young drivers by:
- Asking about car insurance discounts aimed at young drivers
- Signing up for usage-based car insurance and drive safely
- Getting added to a parent’s policy (if you’re a teen driver) or adding a teen to your current policy (if you’re a parent)
Best auto insurance companies after a DUI in Phoenix: Progressive
Progressive has the best cheap DUI insurance in Phoenix at $249 a month. This is about 40% cheaper than the city average of $421 a month.
Travelers and State Farm come in second and third, though their average quotes are quite a bit higher than Progressive’s.
In Phoenix, drivers pay around 60% more for car insurance after a DUI (driving under the influence) conviction.
Auto insurance rates after a DUI
| Company | Annual rate |
|---|---|
| Progressive | $2,992 |
| Travelers | $3,428 |
| State Farm | $3,976 |
| American Family | $4,891 |
| Geico | $5,827 |
| The Hartford | $6,077 |
| Farmers | $6,777 |
| Allstate | $7,661 |
| USAA* | $3,838 |
Cheap car insurance for Phoenix drivers with bad credit: Travelers
With an average rate of $302 a month, Travelers offers the cheapest car insurance with poor credit in Phoenix. That’s 40% cheaper than the city average ($502 a month).
Most Phoenix drivers with bad credit pay over 90% more for car insurance than drivers with good credit do.
Auto insurance rates with poor credit
| Company | Annual rate |
|---|---|
| Travelers | $3,618 |
| American Family | $3,925 |
| Progressive | $3,958 |
| Geico | $4,992 |
| Allstate | $6,487 |
| The Hartford | $7,472 |
| Farmers | $8,333 |
| State Farm | $11,572 |
| USAA* | $3,891 |
Best car insurance companies in Phoenix
State Farm is the best car insurance company in Phoenix. The company offers the city’s lowest rates for most drivers and also has among the best customer service and financial strength ratings.
Travelers is a good second choice, though, thanks to its generally cheap rates and its wide range of discounts and coverage options.
Phoenix car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| The Hartford | 642 | A+ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| Travelers | 616 | A++ | |
| USAA* | 739 | A++ | |
Phoenix auto insurance rates by neighborhood
Drivers in the Ahwatukee Foothills pay the lowest car insurance rates among Phoenix neighborhoods at $2,606 a year, or $217 a month.
The most expensive Phoenix neighborhood for car insurance is Grandview, where rates average $290 a month.
Car insurance rates near you
| ZIP code | Annual rate | % difference from average |
|---|---|---|
| 85003 | $3,138 | 5% |
| 85004 | $3,107 | 4% |
| 85006 | $3,195 | 7% |
| 85007 | $3,182 | 7% |
| 85008 | $3,067 | 3% |
| 85009 | $3,426 | 15% |
| 85012 | $3,076 | 3% |
| 85013 | $3,183 | 7% |
| 85014 | $3,120 | 4% |
| 85015 | $3,331 | 12% |
| 85016 | $3,017 | 1% |
| 85017 | $3,479 | 17% |
| 85018 | $2,851 | -5% |
| 85019 | $3,438 | 15% |
| 85020 | $3,038 | 2% |
| 85021 | $3,276 | 10% |
| 85022 | $2,951 | -1% |
| 85023 | $3,003 | 1% |
| 85024 | $2,845 | -5% |
| 85025 | $2,980 | 0% |
| 85026 | $2,928 | -2% |
| 85027 | $2,934 | -2% |
| 85028 | $2,869 | -4% |
| 85029 | $3,189 | 7% |
| 85031 | $3,466 | 16% |
| 85032 | $2,878 | -4% |
| 85033 | $3,333 | 12% |
| 85034 | $3,050 | 2% |
| 85035 | $3,417 | 14% |
| 85037 | $3,090 | 3% |
| 85039 | $2,798 | -6% |
| 85040 | $3,107 | 4% |
| 85041 | $3,201 | 7% |
| 85042 | $2,984 | 0% |
| 85043 | $3,247 | 9% |
| 85044 | $2,608 | -13% |
| 85045 | $2,690 | -10% |
| 85048 | $2,606 | -13% |
| 85050 | $2,794 | -6% |
| 85051 | $3,234 | 8% |
| 85053 | $3,015 | 1% |
| 85054 | $2,740 | -8% |
| 85065 | $2,821 | -6% |
| 85073 | $2,834 | -5% |
| 85083 | $2,727 | -9% |
| 85085 | $2,711 | -9% |
| 85086 | $2,642 | -12% |
| 85087 | $2,620 | -12% |
| 85097 | $2,880 | -4% |
| 85251 | $2,699 | -10% |
| 85253 | $2,632 | -12% |
| 85254 | $2,703 | -10% |
| 85304 | $3,105 | 4% |
| 85306 | $3,005 | 1% |
| 85307 | $2,788 | -7% |
| 85308 | $2,795 | -6% |
| 85310 | $2,725 | -9% |
| 85331 | $2,664 | -11% |
| 85353 | $2,965 | -1% |
Your ZIP code is one of several factors insurance companies use to set your car insurance rate. You usually pay more for car insurance if your ZIP code has higher crash rates or more vehicle thefts than average. You pay less in areas where these incidents are less common.
Phoenix car insurance requirements
Phoenix drivers must have at least 25/50/15 liability car insurance. This means you need, at a minimum:
- $25,000 of bodily injury liability coverage for one person
- $50,000 of bodily injury liability coverage for two or more people
- $15,000 of property damage liability coverage
Bodily injury liability helps cover the medical bills of anyone you injure in a car accident. Property damage liability covers damage you cause to property like fences, toll booths and light posts.
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.
Minimum-liability policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required by law
- Collision: $500 deductible
- Comprehensive: $500 deductible
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Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included complaint index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
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*USAA is only available to current and former members of the military as well as certain family members..