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Best cheap car insurance in Phoenix for 2025
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance companies in Phoenix
When searching for the best car insurance in Phoenix, affordable premiums are important, but they’re not the only aspect you should pay attention to. Third-party ratings and data can also help you find the best providers.
The J.D. Power 2024 U.S. Auto Insurance Study, along with our proprietary Bankrate Score, evaluates how companies perform in several capacities. Insurers such as Geico, State Farm, Progressive, Travelers and Nationwide emerge as top contenders for the best car insurance companies in Phoenix, catering to a diverse range of scenarios. It's important to remember that the right choice may vary from one individual to another, depending on your insurance needs and driver profile.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Progressive — the second-largest U.S. auto insurer by market share — stands out as a potentially favorable option for Phoenix drivers with infractions on their records, specifically those who may be considered high-risk drivers. The company's telematics program, Snapshot, monitors driving habits and may reward safe drivers with discounted premiums. However, Snapshot could generate higher rates if it detects poor driving habits. With a variety of endorsements available, including gap insurance and accident forgiveness, Progressive provides a range of options to tailor your policy to your needs. The "Name Your Price" tool might also simplify the process of shopping for a new policy by allowing drivers to compare rates easily. It's worth noting, though, that Progressive's customer and claims satisfaction scores are below average per J.D. Power.
| Bankrate Score | 4.4 |
| J.D. Power | 614/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Geico offers competitive premiums to many Phoenix drivers, potentially positioning itself as a leading choice for drivers seeking affordability. The insurer's broad array of discounts caters to safe drivers, federal employees, military personnel and those with vehicles equipped with certain safety features, which could lead to significant savings on premiums. Furthermore, Geico's DriveEasy telematics program might be appealing, as it can reward safe driving behaviors (but can lead to higher rates for poor driving). For tech-savvy customers, the convenience of managing policies through a highly rated mobile app and online portal may add to Geico's appeal. While Geico does not offer gap insurance, its competitive rates and extensive discounts could make it an attractive option for those prioritizing cost-effective, basic coverage.
| Bankrate Score | 4.3 |
| J.D. Power | 618/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
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Full coverage
State Farm distinguishes itself in Phoenix through its emphasis on personalized service, facilitated by its extensive network of local agents. As the largest car insurance provider in the U.S. by market share, State Farm's reputation for exceptional customer service is reflected in its above-average customer satisfaction ranking in the Southwest region in the latest J.D. Power auto insurance study. This acclaim extends to its claims satisfaction and digital tools, highlighting the insurer's commitment to a seamless customer experience. While State Farm's premiums may be on the higher side, the value it offers through personalized service and the convenience of local agencies could be particularly appealing for those who prioritize direct interactions and support. However, the absence of accident forgiveness as an option for customers without long-standing relationships with the insurer (less than nine years) and its above-average rates in Phoenix suggest that State Farm's offerings might be more suited to those who value service quality over the lowest possible rates.
| Bankrate Score | 4.3 |
| J.D. Power | 646/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Travelers stands out in Phoenix for its comprehensive coverage options, including new car replacement, accident forgiveness and gap insurance, making it a compelling choice for drivers seeking to craft a well-rounded policy. The availability of non-owner policies is an added benefit, catering to those who frequently rent or borrow vehicles but don't own one themselves. Despite offering lower-than-average rates in Phoenix and having numerous offices across the state for convenience, potential customers might want to consider the company's tech capabilities before committing. Android users who prefer managing their insurance through a mobile app may be wary of reported technical issues on Google Play. Although Travelers has the lowest third-party customer satisfaction ranking in the 2024 J.D. Power Study, its extensive coverage offerings could make it an ideal match for those prioritizing coverage options over service scores.
| Bankrate Score | 4.1 |
| J.D. Power | 565/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
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Full coverage
Nationwide has earned a spot on the list of preferred car insurance providers in Phoenix due to its innovative approach to savings and policy customization. The insurer's telematics programs, SmartMiles and SmartRide, offer unique opportunities for savings, catering respectively to drivers with lower-than-average mileage and those with safe driving habits. Additionally, the On Your Side Review offers a valuable opportunity for policyholders to engage with Nationwide agents in a comprehensive policy review at no extra cost, potentially uncovering additional savings avenues. Nationwide's broad portfolio of options, including accident forgiveness and vanishing deductible, might add to its appeal. However, the limited availability of its customer service contact center and below-average scores in the digital experience shopping category may be considerations for those who prioritize around-the-clock support and a seamless virtual experience.
| Bankrate Score | 4 |
| J.D. Power | 618/1,000 |
| AM Best Rating | A+ |
Bankrate's trusted insurance industry expertise
Read our full methodologyThe insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.
78
years of industry experience
9
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Phoenix
When searching for the cheapest car insurance in Phoenix, drivers might consider several factors that could impact their quest for affordable rates. The dynamic landscape of Phoenix, from its bustling city streets to the surrounding desert expanses, necessitates a careful evaluation of coverage options, discount opportunities and company reviews to ensure that low cost doesn't come at the expense of necessary protection. Affordable rates are often a priority, but it's equally important to balance cost with the quality of coverage and service. The following table showcases the top five companies providing cheap Phoenix, AZ car insurance.
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|
|
|
|---|---|---|
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$515
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$1,649
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|
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$659
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$1,671
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|
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$516
|
$1,836
|
|
|
$646
|
$2,214
|
|
|
$1,188
|
$2,894
|
How much is car insurance in Phoenix, Arizona?
Understanding the average cost of car insurance in Phoenix can give drivers a ballpark idea of how much they might pay. In Phoenix, the average cost for full coverage car insurance is $3,271 per year, while minimum coverage is $1,001 per year. For comparison, Arizona state averages are $2,769 for full coverage and $830 for minimum coverage. Factors that influence rates in Phoenix include population density, higher rates of accidents and vehicle theft. Despite this, drivers in Phoenix may still be able to find affordable coverage through cheap car insurance companies.
Phoenix rates for teens
Adding a teen to a car insurance policy in Phoenix, Arizona will typically raise your insurance premium, but parents can save with young driver discounts, like defensive driving or good student discounts. Diligent research and comparison can help families find more affordable options without compromising on necessary coverage, even with the increased risk associated with insuring teen drivers. Note that teens are not legally allowed to purchase their own car insurance policies without the written consent of a parent or guardian.
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|---|---|---|
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$1,473
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$1,431
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|
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$1,577
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$1,091
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|
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$1,585
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$1,362
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|
|
$1,961
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$1,197
|
|
|
$2,027
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$1,689
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|
|
|
|
|---|---|---|
|
$3,697
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$3,371
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|
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$4,264
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$3,274
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|
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$4,438
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$4,260
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|
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$4,710
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$4,659
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|
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$6,022
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$3,925
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Phoenix rates for young drivers
Navigating car insurance for young drivers in Phoenix involves finding a balance between cost and coverage. If attending college, consider options like usage-based insurance, distant-student discounts and maintaining a clean driving record to save without sacrificing financial protection.
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|---|---|---|
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$1,004
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$582
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|
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$1,257
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$597
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|
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$1,269
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$810
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|
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$1,394
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$769
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|
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$1,744
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$1,255
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|
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|---|---|---|
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$3,427
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$1,949
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|
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$3,448
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$2,125
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|
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$4,150
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$2,051
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$4,535
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$2,657
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|
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$6,163
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$4,711
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Phoenix rates for adults
To find the best car insurance, adults can benefit from comparing quotes from different insurers to find one that offers a balance of comprehensive coverage and affordable rates. Factors such as driving history, vehicle type and coverage preferences can all affect your final premium.
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|---|---|---|---|
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$567
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$515
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$516
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|
|
$581
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$516
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$503
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|
|
$685
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$646
|
$597
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|
|
$724
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$659
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$620
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|
|
$844
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$743
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$724
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|
|
|
|
|
|---|---|---|---|
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$1,873
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$1,649
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$1,629
|
|
|
$1,909
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$1,671
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$1,471
|
|
|
$2,070
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$1,836
|
$1,777
|
|
|
$2,408
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$2,214
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$2,017
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|
|
$3,168
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$2,894
|
$2,533
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Phoenix rates for senior drivers
Senior drivers in Phoenix might find that their car insurance rates begin increasing around age 70 due to the increased risk of accidents. Fortunately, many insurance providers offer specific discounts for seniors, such as reduced rates for retired drivers or for those who complete a defensive driving course.
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|---|---|---|
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$492
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$579
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|
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$511
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$639
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|
|
$595
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$734
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|
|
$599
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$653
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|
|
$654
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$846
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|
|
|
|
|---|---|---|
|
$599
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$1,497
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|
|
$492
|
$1,729
|
|
|
$511
|
$2,096
|
|
|
$595
|
$2,279
|
|
|
$1,081
|
$2,677
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Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Phoenix by driving record
Your driving record plays a pivotal role in determining your car insurance rates in most states. Incidents such as at-fault accidents, traffic violations and DUIs can lead to higher premiums, as they suggest a greater likelihood of future claims. Conversely, maintaining a clean driving record could make you eligible for lower rates and potential discounts.
Car insurance with a speeding ticket in Phoenix
For drivers in Phoenix with a speeding ticket on their record, navigating car insurance options can become notably more complex, as such infractions typically result in increased premiums for three to five years. In Phoenix, receiving a speeding ticket might lead to your insurance rates being approximately 47 percent more than the state average for drivers with clean records. Drivers with infractions may want to shop around and look for providers that offer forgiveness programs.
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|---|---|---|
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$593
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$2,150
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|
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$655
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$2,205
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|
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$833
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$2,374
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|
|
$841
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$2,877
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|
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$1,219
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$5,111
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Car insurance after an accident in Phoenix
Drivers with an at-fault accident on their record may struggle to find affordable car insurance since accidents typically raise your premium. The impact of an at-fault accident in Phoenix is substantial, with average rates that are 44 percent more when compared to the city average for full coverage car insurance. Drivers with infractions may want to look for companies that work with high-risk drivers.
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|---|---|---|
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$706
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$2,314
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|
|
$904
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$3,189
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|
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$963
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$2,697
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|
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$1,072
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$3,477
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|
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$1,336
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$5,147
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Car insurance after a DUI in Phoenix
The financial repercussions of a DUI in Phoenix are the most severe, with rates potentially soaring to about 125 percent more than the state average for full coverage car insurance for three to five years. Drivers with a DUI may need to search out providers that extend coverage to high-risk drivers with a DUI, especially if their current provider drops them.
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|---|---|---|
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$765
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$2,494
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|
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$780
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$2,127
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|
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$1,145
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$4,691
|
|
|
$1,357
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$4,664
|
|
|
$1,471
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$5,461
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Minimum coverage requirements in Phoenix
In Phoenix, as in the rest of Arizona, drivers are required to carry a minimum amount of car insurance. These minimum coverage requirements include:
- $25,000 for bodily injury or death of one person in an accident
- $50,000 for bodily injury or death of two or more persons in an accident
- $15,000 for damage to others’ property
This is often referred to as 25/50/15 coverage limits. While minimum-required coverage provides a fundamental level of financial protection against bodily injuries and property damage that a driver might cause in an accident, it may not fully cover all expenses. For instance, the costs associated with severe accidents can quickly exceed these limits, leaving the driver responsible for any additional expenses.
Furthermore, minimum coverage does not help pay to repair or replace the driver’s own vehicle in the case of damage or theft, nor does it cover medical expenses for the driver or passengers. Drivers in Phoenix might consider opting for higher coverage limits or additional coverage types like collision and comprehensive coverage to protect their finances.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
