Best Auto Insurance Rates in Phoenix, Arizona

On average your neighbors pay $96 a month.

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Phoenix, Arizona is a huge city. And not just in terms of population. 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 also the sixth most populous city in the United States. It’s a huge city. So, if you live here, you’ll be doing plenty of driving, so having affordable car insurance is important.

Average Phoenix Car Insurance Rates

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. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on many factors: your driving record and the number of claims filed in your zip code. Having liability or comprehensive coverage also affects how much you pay for car insurance.

Phoenix, AZ Average Annual Car Insurance Rates
Coverage Men Women
Liability $660 $709
Collision $374 $378
Comprehensive $92 $91
Total Cost Per Year $1,126 $1,178
Price Per Month $94 $98
These average rates are based on our sample quote data. 1

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

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 to find the cheapest rates.

Best Car Insurance Companies Phoenix, AZ

These are the most common car insurance companies reported by QuoteWizard users 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.

Top 10 Vehicles in Phoenix

These are the most common car makes and models owned by Phoenix drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Ford Mustang
  4. Honda Civic EX
  5. Chevrolet Malibu LS
  6. Chevrolet C1500 Silverado
  7. Chevrolet Impala
  8. Ford Ranger
  9. Chevrolet Blazer
  10. Ford Taurus SE
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Minimum Car Insurance Requirements in Phoenix, AZ

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:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

Arizona lets residents to get a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Phoenix Drivers

When it comes to safe driving, Phoenix, AZ drivers are better than average. Phoenix ranked 77th out of the 200 cities in a recent report published by Allstate. While most US drivers go ten years without having an accident, drivers here crash every nine years.

Phoenix drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Driving conditions like weather and traffic congestion are factors that can affect your insurance rates.

Weather

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.

Road Conditions

The condition of Phoenix roads leaves something to be desired and contributes to increased costs for drivers. TRIP reports that 23 percent of the major streets in Phoenix in are in poor condition. And 29 percent are mediocre. These under-maintained streets are partly responsible for the $550 a year drivers pay for extra vehicle operating costs.

Traffic Congestion

At least the traffic in Phoenix isn’t too bad. According to TomTom's annual traffic index report, Phoenix, AZ ranks 165th for worst traffic congestion in the world. But, commuters spend an extra 20 minutes per hour stuck in traffic during rush hour commutes lasting 60 minutes. And 77 hours a year for 30 minute commutes.

Moving Violations

Moving violations like speeding tickets and accidents can add points to your driver's license. This will give you a bad driving record and higher rates. These points can stay on your record for up to three years. If you get too many points on your driving history, your insurer could change your status to non-preferred. When this happens, your insurer will probably ask you to buy a non-standard policy for high-risk drivers.

Traffic Tickets

The Phoenix Municipal Court website allows you to pay traffic citations. It also 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. That was a decrease of 14.8% over the number of citations written in 2012.

Car Accident Statistics

In 2016, Phoenix recorded a 42,867 car crashes resulting in 19,361 injuries.

Drunk Driving Accidents and Fatalities

In 2016, Phoenix reported 1,361 car crashes in which alcohol was a factor. These DUI crashes caused 872 injuries and 97 fatalities.

SR-22 DUI Insurance

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.

Traffic Fatalities

In 2016, Phoenix reported 223 deaths in motor vehicle crashes. While all traffic deaths are tragedies. And with Phoenix’s estimated population of 1,615,017, this is a safe US city in terms of traffic fatalities.

Vehicle Theft Rates

In 2016, Phoenix reported 7,370 vehicle thefts, a rate of 4.72 per 1,000 residents.

Car Insurance Discounts in Phoenix

Auto insurance discounts can save you a ton of money. Below are some of the many discounts available to Phoenix aea drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. You can save as much as 25 percent when you bundle insurance policies together with one company
  2. If you're one of the 9.8 percent of Phoenix residents over the age of 65, you might be able to take advantage of the senior or 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service. Arizona is home to 522,456 veterans. So, if you're one them, make sure to ask about your savings
  4. Live in a safe zip code with low crime and good drivers. Drivers in neighborhoods with high crime and traffic congestion pay more for auto insurance
  5. Take a defensive driving course from an accredited driving school. 12 percent of Arizona's drivers have no auto insurance. So, a class like this could save you a lot, especially if it keeps you from getting into an accident with an uninsured driver

Rate Methodology

1 We compared rates from three different insurance companies for 30-year-old male and female drivers with a 2010 Honda Accord. Our rate profiles have a clean driving record and drive less than 10,000 annual miles. Coverage includes state liability minimum of 25/50/10 and 25/50/10 underinsured motorist coverage. Policies also include $10,000 personal injury protection and a $500 comprehensive and collision deductible.

Car insurance agents in Phoenix, AZ :

 

 

Sources:

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