On average your neighbors pay $96 a month.See Your Rates
Phoenix, AZ is a huge city, not just in terms of population, although it is the sixth most populous city in the United States, but in land area as well. Phoenix’s city limits encompass over 500 square miles. That’s more than twice the size of the city of Chicago. It’s a huge city and if you live here, you’ll be doing plenty of driving, so having affordable car insurance is important.
How much is car insurance in Phoenix, AZ? The average cost of insurance coverage in Phoenix is $1,126 a year for men and $1,178 for women. This is more than double the $811.45 paid for average auto insurance in Arizona. It's also twice the national average cost of $866.31 per year.
Prices may vary depending on multiple factors including: your driving record and the number of insurance claims filed in your zip code. Whether you have liability or comprehensive coverage also affects how much you pay for car insurance.
|Total Cost Per Year||$1,126||$1,178|
|Price Per Month||$94||$98|
|Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Phoenix owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Arizona state liability minimum of $15,000/$30,000/$10,000 and 15/30/10 underinsured motorist coverage with $5,000 personal injury protection and a $500 comprehensive and collision deductible.|
QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Phoenix, Arizona and save up to 40% on your premium.
Last year, 28,991 people used QuoteWizard to get an auto insurance quotes comparison in Phoenix, AZ from multiple companies, and find the cheapest rates.
These are the most common car makes and models owned by Phoenix drivers requesting quotes through QuoteWizard last year.
This is our list of the most common car insurance companies reported by QuoteWizard users living in Phoenix, AZ last year.
Other popular Phoenix, Arizona car insurance companies: Safeco, USAA, MetLife, Hartford, Infinity, Country Financial, Arizona Farm Bureau, and 21st Century.
According to a recent report published by Allstate Insurance, when it comes to safe driving, Phoenix, AZ drivers are better than average. Phoenix ranked 77th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every nine years.
Driving conditions like weather and traffic congestion are factors that can affect your insurance rates.
The weather in Phoenix can be described in two words: hot & dry. The summers here are long and hot, with the temperature frequently exceeding 100 degrees, and the winters are short and seldom very cold. On average, Phoenix sees only 36 days with any measurable precipitation a year. An average of only 8 inches of rain falls annually. However, monsoon moisture can result in sudden downpours that can cause flash flooding. The biggest weather concern for drivers is the heat, which can be extreme during the summer. In a typical year, the mercury in Phoenix will rise above 100 degrees on 107 days.
The condition of Phoenix roads leaves something to be desired and contributes to increased costs for drivers. According to a recent study by TRIP, 13% of the major streets here are in poor condition and 31% are mediocre. These under-maintained streets are partly responsible for the $345 a year drivers pay for extra vehicle operating costs.
At least the traffic in Phoenix isn’t too bad. According to TomTom's annual traffic index report, Phoenix ranks 46th for worst traffic congestion in the United States. Even so, an average commuter spends an additional 20 minutes per hour stuck in traffic during rush hour commutes lasting 60 minutes and 77 hours a year for 30 minute commutes, which is a lot of wasted time, although it could be worse.
Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.
The City of Phoenix Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.
Phoenix police wrote more than 211,843 traffic citations for moving violations in 2013, a decrease of 14.8% over the number of citations written in 2012.
Phoenix has numerous intersections equipped with red light cameras. This online PDF file includes information about the City of Phoenix Photo Red-Light and Photo Speed Enforcement Program and provides instructions on how to pay or fight your automated red light ticket.
Exercise additional caution when driving around any of the intersections in the list. If a stoplight is about to turn red in any intersection, whether it’s equipped with a red light camera or not, don’t try to speed through and beat the light. It’s much better to wait a minute or two than to risk a collision.
In 2016, Phoenix recorded a 42,867 car crashes resulting in 19,361 injuries.
In 2016, Phoenix reported 223 deaths in motor vehicle crashes. While all traffic deaths are tragedies, with Phoenix’s estimated population of 1,615,017, this is a relatively safe US city in terms of traffic fatalities.
In 2016, Phoenix reported 1,361 car crashes in which alcohol was a factor. These DUI crashes caused 872 injuries and 97 fatalities.
A DUI conviction could require you to obtain an SR-22 form. Get a quote and compare rates from top companies that specialize in Phoenix DUI insurance.
In 2016, Phoenix reported 7,370 vehicle thefts, a rate of 4.72 per 1,000 residents.
Phoenix, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:
The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.
Are you looking for cheap car insurance? Discounts are one of the best way to lower your insurance rates. Below are some of the many auto insurance discounts available to Phoenix drivers. Get a free quote to find out which discounts you may qualify for.
BrotherLife Financial Services is the evolution of a family business started in 1996. The mission of the business started simple: To provide consumers with access to information about competitive life insurance companies.
The Norm Maul Insurance Agency has been proud to represent Farmers Insurance since 1977. Ours is a family run business, with Norm the Agent and outside sales person, and his wife Janet Maul the office manager.
Do you want the best quality company that is not cheap regarding claims and service, but is less expensive with premiums? You may also want an easy way to compare the costs of your many options? With the Proctor Agency of Allstate that's what you get!
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