Progressive and State Farm offer the cheapest car insurance quotes in Phoenix to most drivers, according to QuoteWizard research.
Key findings:
- Cheapest quotes overall: Progressive
- Cheapest after an accident: State Farm
- Cheapest for teens: CSAA
- Cheapest for seniors: Progressive
GEICO, CSAA and American Family are also good sources of affordable auto insurance coverage depending on your driving record and age.
In this article
- What is the cheapest car insurance company in Phoenix?
- What is the average cost of car insurance in Phoenix?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are Phoenix’s car insurance requirements?
Who has the cheapest car insurance in Phoenix, Arizona?
Progressive is the cheapest car insurance company in Phoenix for drivers who want minimum coverage, charging $139 a month, on average.
Drivers in Phoenix should also compare auto insurance rates from State Farm, GEICO and CSAA, which offer comparably affordable rates.
| Company | Monthly rate |
|---|---|
| Progressive | $139 |
| State Farm | $197 |
| GEICO | $204 |
| CSAA | $206 |
| City average | $247 |
| American Family | $295 |
| Allstate | $312 |
| Farmers | $376 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Progressive is the best source for cheap full-coverage car insurance in Phoenix, too, with an average rate of $161 a month.
To get your best rate, compare quotes from CSAA, GEICO and State Farm as well as Progressive. All three offer full-coverage policies at rates that are lower than the city average.
| Company | Monthly rate |
|---|---|
| Progressive | $161 |
| State Farm | $229 |
| CSAA | $243 |
| GEICO | $245 |
| City average | $283 |
| American Family | $314 |
| Allstate | $347 |
| Farmers | $445 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance meets Arizona’s requirements for liability coverage, which covers injuries and property damage you cause to others. It won’t cover your own medical bills or car repairs.
Full-coverage car insurance usually includes collision and comprehensive coverages as well as liability. Arizona state law doesn’t require full coverage, but many lenders and lessors do. Even if you don’t need to buy it, you should consider getting full coverage if your vehicle is new or expensive.
Find cheap car insurance in Phoenix, Arizona
How much is car insurance in Phoenix?
The average cost of car insurance in Phoenix is $247 a month if you buy a minimum-coverage policy that meets the state’s coverage requirements.
Full-coverage car insurance in Phoenix costs $283 a month, on average.
Car insurance is more expensive in Phoenix than it is in Arizona overall. The state average for minimum coverage is $228 a month, or $19 a month less than the Phoenix average. The state average for full coverage is $260 a month. That’s $23 a month cheaper than the average in Phoenix.
Cheapest car insurance in Phoenix by driving record: Progressive and State Farm
Phoenix drivers with a speeding ticket on their records will find the cheapest car insurance with Progressive, which charges $227 a month on average. This is for a full-coverage policy.
State Farm, GEICO and CSAA also offer affordable car insurance to drivers after a speeding ticket. All three have average rates that are cheaper than the overall city average of $376 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $227 |
| State Farm | $252 |
| GEICO | $301 |
| CSAA | $303 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm is the cheapest car insurance company in Phoenix for drivers with an accident on their records, charging an average rate of $275 a month.
Progressive’s average rate for drivers after an accident is right behind State Farm’s, though, at $277 a month, so keep it in mind if you’re in this situation and want affordable coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $275 |
| Progressive | $277 |
| CSAA | $380 |
| GEICO | $400 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers in Phoenix with a DUI on their records should make sure they get a quote from Progressive while shopping for car insurance. Progressive charges drivers with a DUI $192 a month, on average, which is by far the cheapest rate in the city.
| Company | Monthly rate |
|---|---|
| Progressive | $192 |
| State Farm | $252 |
| CSAA | $408 |
| American Family | $426 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers with incidents like DUIs and accidents usually pay higher rates for car insurance because insurers believe these drivers are likely to be involved in similar incidents, and file claims related to them, down the road.
Cheapest car insurance in Phoenix for teen drivers: CSAA
CSAA has the cheapest car insurance for teen drivers in Phoenix, charging $419 a month, on average, for minimum-coverage policies.
Compare car insurance rates from GEICO, too, to get your best and cheapest policy as a teen. Its average rate for minimum coverage is $474 a month.
| Company | Monthly rate |
|---|---|
| CSAA | $419 |
| GEICO | $474 |
| State Farm | $633 |
| Allstate | $664 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teen drivers in Phoenix who want full-coverage car insurance will also find the cheapest rates from CSAA, which charges $512 a month, on average.
Another affordable full-coverage option is GEICO at $601 a month.
| Company | Monthly rate |
|---|---|
| CSAA | $512 |
| GEICO | $601 |
| Allstate | $736 |
| State Farm | $743 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teens typically pay the highest car insurance rates of any age group because they’re more likely to be involved in an accident than are older, more experienced drivers.
A real-life example: CSAA charges adult drivers with clean records $206 a month for minimum coverage. It charges teens with clean driving records $419 a month for the same amount of coverage. That’s $213 a month more, or a 103% increase.
Cheapest car insurance in Phoenix for senior drivers: Progressive
Progressive has the cheapest car insurance for senior drivers in Phoenix, charging $124 a month, on average, for minimum coverage.
American Family, CSAA and GEICO offer cheap car insurance to Phoenix seniors, too. All three companies charge average rates that are lower than the city average of $212 a month.
| Company | Monthly rate |
|---|---|
| Progressive | $124 |
| State Farm | $184 |
| American Family | $185 |
| CSAA | $188 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Senior drivers looking for cheap full-coverage car insurance in Phoenix will get it from Progressive, which charges $144 a month.
Don’t ignore American Family, though, as its average rate of $198 a month is affordable, too.
| Company | Monthly rate |
|---|---|
| Progressive | $144 |
| American Family | $198 |
| State Farm | $214 |
| CSAA | $224 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Remember, what you pay for car insurance depends on several factors. Your age is just one of them. The make and model of the car you drive, your driving record, where you live and your marital status also determine your rate or premium. Because of this, Progress may be your best and cheapest option for car insurance, or another company might be, like State Farm or CSAA.
Compare car insurance quotes from top companies
What are the car insurance requirements in Phoenix?
Phoenix drivers must have 25/50/15 car insurance at a minimum. This means your policy must include at least:
- $25,000 bodily injury liability coverage for one person
- $50,000 bodily injury liability coverage for two or more people
- $15,000 property damage liability coverage
Buying a state-minimum car insurance policy may sound appealing and cheap, but it isn’t always the best option. If your car is new or still worth a lot of money, getting collision and/or comprehensive coverage as well as liability coverage could save you a lot of money down the road.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Phoenix ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Arizona’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Phoenix
- Tucson
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