Cheap Car Insurance Rates in Phoenix, Arizona | SmartFinancial

Have you recently purchased a vehicle or planning to get one soon ? In this article, you ’ ll learn the basics of Arizona ’ s motor fomite laws. If you need insurance to cover your stigmatize newly tease, SmartFinancial can help. Just fill out the form on this page, and we ‘ll send you quotes from local agents within your area. Phoenix residents can use the Valley Metro System to traverse through the area. unfortunately, most people will need a car to visit the area ‘s most rural regions. Phoenix is a diamond in the Sonoran defect. The Arizona capital is renowned for its unforgettable view views, stunning mountain backdrops, and expansive natural settings. It has fantastic cultural attractions and pristine brush areas that residents may explore .

Monthly Average Rates by Country, State, and City

cable car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has unlike rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Phoenix typically pay around $ 130.06 per calendar month compared to the home median of $ 135.29 per month. The best way to get a first gear rate is by comparison shop. SmartFinancial can do that for you at no monetary value while pairing you with a reputable indemnity company so you have no surprises if you have an accident.

Area Average Monthly Rate
National $135.29
Arizona $111.18
Phoenix, Arizona $130.06

Phoenix, AZ Best Car Insurance Companies

car insurance in Phoenix Certain insurers will offer you better rates than others based on a ten thousand of factors, so you may get a better deal from one insurance company over another for versatile reasons, and that ’ s why it ’ second crucial to compare. According to our data, Clearcover by and large has the most low-cost car insurance in Phoenix coming in around $ 95.18 per calendar month. other companies to consider if you live in Phoenix is Ameriprise Group with an average price of $ 113.80 per month and USAA which typically runs around $ 121.75 per month. Check out the wax list below. SmartFinancial rates the watch insurers as the best policy companies for drivers in Phoenix .

Rank Company Average Monthly Rate Comparison State Average
1 Clearcover $95.18 -14.39%
2 Ameriprise Group $113.80 2.36%
3 USAA $121.75 9.51%
4 Mercury Insurance $132.54 19.22%
5 Mercury $157.42 41.59%
6 Farm Bureau Mutual (IA Group) $163.12 46.72%
7 ACCC Insurance party $163.63 47.18%
8 Travelers $169.47 52.43%
9 American Family $173.52 56.07%
10 State Farm $174.99 57.39%

How Much is Car Insurance in Phoenix, AZ?

how much is auto insurance in Phoenix Rates can vary from city to city. The residents of Apache Junction typically pay $ 97.83 per month while people who live in Casa Grande will pay $ 105.79 per calendar month on average. See what people pay for car policy in other cities in Arizona .

Arizona Cities Monthly Average Rate
Apache Junction $97.83
Casa Grande $105.79
Chandler $118.12
Gilbert $125.20
Glendale $125.81
Mesa $115.01
Peoria $120.90
Phoenix $131.34
Prescott $83.69
Scottsdale $114.07
Sedona $79.31
Surprise $116.47
Tempe $119.63
Tucson $101.03
Yuma $88.23

Cheap Car Insurance in Phoenix by Zip Codes

find cheap auto insurance in Phoenix Every travel rapidly code rates differently with every insurance company. Your zip up code determines the crime rate in your sphere equally well as early risks. Below, you can see how average rates range across the submit of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your cable car in a safe place. That ought to save you some money. Covered and gated structures are best. Make certain to tell your insurance agent about the precautions you ’ rhenium remove .

Phoenix, AZ ZIP Code Average Monthly Rate
85001 $92.75
85003 $116.47
85004 $138.72
85006 $126.70
85007 $125.80
85008 $124.45
85009 $137.19
85010 $95.49
85012 $110.74
85013 $125.80
85014 $121.00
85015 $129.41
85016 $114.36
85017 $142.53
85018 $129.95
85019 $150.54
85020 $118.21
85021 $125.98
85022 $125.35
85023 $125.10
85024 $133.05
85025 $106.32
85026 $103.58
85027 $125.52
85028 $123.36
85029 $130.73
85030 $87.25
85031 $141.11
85032 $117.81
85033 $144.55
85034 $134.03
85035 $156.88
85036 $80.07
85037 $127.26
85040 $137.50
85041 $144.24
85042 $129.68
85043 $153.51
85044 $115.60
85045 $135.56
85046 $77.05
85048 $117.53
85050 $120.96
85051 $132.19
85053 $126.02
85054 $133.60
85060 $105.67
85063 $96.69
85066 $96.87
85069 $95.53
85074 $71.33
85083 $131.70
85085 $113.17
85086 $122.45

Car Insurance Rates by Driver’s Age Group in Phoenix

by and large speaking, you pay more in car policy the younger you are and the older you are. Teens and young adults much pay about $ 310.19 per calendar month in Phoenix. Compare that to drivers in their 30 ’ randomness who typically pay approximately $ 119.82 per calendar month drivers in their 40s at $ 106.91 per calendar month. It ’ sulfur constantly a good estimate to check for discounts that apply at any age. Some discounts include away-at-school discount rate, safe driver rebate, mature driver rebate, good scholar deduction a well as multi-policy and bundle discounts .

Age Group Average Monthly Rate
16-19 $310.19
20s $181.14
30s $119.82
40s $106.91
50s $96.86
60s $97.11
70+ $120.41

Cheapest Insurance for Teenage Drivers in Phoenix

If you are adolescent in Phoenix you are credibly looking for a good deal on car policy. Since adolescent drivers typically pay the highest rates of any other age group, it ’ sulfur authoritative to compare multiple companies. According to our research, Ameriprise Group typically charges around $ 212.73 per month. This is likely the most low-cost option in Phoenix. You might besides want to consider USAA and Farm Bureau Mutual ( IA Group ) who besides offer good low-cost policies for adolescent drivers .

Company Average Monthly Rate
Ameriprise Group $212.73
USAA $329.24
Farm Bureau Mutual (IA Group) $355.06
ACCC Insurance company $364.16
CSAA $370.52

Cheapest Insurance for 20 Year-olds in Phoenix

20 year-olds in Phoenix might want to consider Clearcover who, on average, offers cable car insurance rates around $ 110.97 per month. Ameriprise Group, USAA, Mercury Insurance and American Family are besides in the top 5 cheapest rates available .

Company Average Monthly Rate
Clearcover $110.97
Ameriprise Group $161.30
USAA $176.36
Mercury Insurance $195.80
American Family $222.17

Cheapest Insurance for 30 Year-olds in Phoenix

If you are in your 30s in Phoenix our research has found that Clearcover typically has the most low-cost coverage coming in around $ 94.67 per month, followed by Ameriprise Group at $ 101.32 and USAA at $ 109.56 .

Company Average Monthly Rate
Clearcover $94.67
Ameriprise Group $101.32
USAA $109.56
Mercury Insurance $120.87
Mercury $133.50

Cheapest Insurance for 40 Year-olds in Phoenix

On average, Ameriprise Group offers car policy for 40 year-olds in Phoenix for around $ 87.85 per month. If you are looking for low-cost coverage, you may besides want to consider Clearcover or USAA. The full number of clear companies is below .

Company Average Monthly Rate
Ameriprise Group $87.85
Clearcover $91.90
USAA $95.22
Mercury Insurance $104.97
Mercury $115.41

Cheapest Insurance for 50 Year-olds in Phoenix

frequently 50 year-olds enjoy some of the lowest rates of any early age group. In Phoenix we found that Ameriprise Group by and large offers the most low-cost coverage at $ 80.71 per month .

Company Average Monthly Rate
Ameriprise Group $80.71
Clearcover $83.72
Mercury Insurance $85.66
USAA $86.61
Mercury $102.55

Cheapest Insurance for 60 Year-olds in Phoenix

If you live in Phoenix and you ’ re in your 60s, our data indicates that Ameriprise Group normally has the best rates at $ 83.81 per month. The top 5 list of car insurance companies is below .

Company Average Monthly Rate
Ameriprise Group $83.81
Mercury Insurance $86.52
USAA $88.34
Clearcover $90.40
Mercury $103.70

Driver’s Coverage Auto Insurance Rates in Phoenix, AZ

driver's coverage typically, drivers who presently have car policy coverage will receive a cheaper monthly quote than drivers who do not. Since car policy is a prerequisite in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In Phoenix, the average monthly rate for a driver who is presently insured is $ 121.22 while drivers who are not presently covered will pay around $ 143.18 .

Coverage Average Monthly Rate
Not Currently Insured $143.18
Currently Insured $121.22

Compare Recent Car Insurance Quotes in Phoenix

auto insurance quotes in Phoenix city Your vehicle plays a big part in how you rate for car policy. The more your cable car is worth, the higher your car indemnity pace. To lower your monthly premiums, you can set a higher deductible, but you ’ ll need to pay that deductible if you have an accident. by and large speaking, the newer a car is, the more it ’ s worth, and you may pay more in premiums, but the latest guard features will earn you a deduction. The overall safety ratings of a cable car are besides considered when determining your rate. In Phoenix a driver of a 2005 Chevrolet Avalanche can expect to pay around $ 72.47 per month while person that owns a 2017 KIA FORTE may pay around $ 200.57 per calendar month. Check out the list of late quotes in Phoenix below .

Vehicle Average Monthly Rate
2005 Chevrolet Avalanche

$72.47
2017 KIA FORTE $200.57
1999 Chevrolet Geo Prizm $62.78
2006 NISSAN MAXIMA $439.20
2016 Volkswagen Passat $105.67
2016 Bmw 435 $169.21
2016 HYUNDAI ELANTRA $257.48
2006 Nissan Frontier $102.23
2015 Mitsubishi Lancer $147.92
2014 Toyota Corolla $91.49

FAQ’s for Drivers in Phoenix, AZ

driver’s frequently asked question in Phoenix Phoenix, Arizona Auto Insurance Requirements Arizona mandates every drive vehicle operated on its roads to have liability policy coverage. The insurance company must be authorized to conduct business within the state. All vehicles require coverage, including golf carts, motorcycles and mopeds. What Is the Minimum Amount of Liability Coverage Requirement in Phoenix? Arizona ‘s Department of Transportation requires Phoenix residents to have car insurance that meets or exceeds the following minimal coverage :

  • Bodily Injury Liability Coverage : $ 25,000 per person / $ 50,000 per accident
  • property Damage Liability Coverage : $ 15,000
  • Uninsured Motorist Bodily Injury Coverage : $ 25,000 per person / $ 50,000 per accident
  • Underinsured Motorist Bodily Injury Coverage : $ 25,000 per person / $ 50,000 per accident

The state ‘s minimum requirements may not provide adequate coverage when a driver is at-fault for a bust up. Drivers may consider purchasing a higher level of coverage, particularly if they have considerable assets. Do you need to buy a new policy or extra coverage ? SmartFinancial can help you find low-cost cable car indemnity to ensure. Just fill out the form on this page to get started. What Is the Blood Alcohol Concentration (BAC) Limit in Phoenix? In Phoenix, individuals 21-years and older can receive DUI charges when their Blood Alcohol Concentration meets the keep up levels :

  • BAC above .08 percentage while driving a passenger fomite
  • BAC above .04 percentage while driving a commercial vehicle .

Arizona drivers younger than 21 must have a 0.00 percentage BAC, or jurisprudence enforcement will charge them with a DUI. If police enforcement pulls you over for a distrust DUI, individuals may undergo sphere sobriety testing. Drivers that refuse the screen may receive a annual suspension of their driver ‘s license for their first discourtesy. subsequent suspensions may result in a biennial suspension. unfortunately, few people have a perfect drive commemorate. Drivers with DUI convictions can receive significantly higher car policy premiums. If you have a DUI conviction, SmartFinancial can help you find a lower premium pace. You can fill out the phase on our page and comparison shop for insurers that meet your needs. Can I Register My Car Without Insurance in Phoenix? No, you can not. In Arizona, drivers must provide proof of indemnity, a completed championship, registration application, spleen let go of ( if applicable ), all registration fees. If you ‘re searching for great car indemnity for your vehicle, SmartFinancial can help. Complete the form on this page and we ‘ll provide you with quotes from local agents within your area. We ‘re the smart, slowly way to find indemnity coverage .map commute Time in Phoenix, AZ 25.4 Miles map commute Time in United States 26.4 Miles people Number of Nearest Insurance Agents in Phoenix, AZ 232 Methodology
The statistics listed on this page are from our own in theater report. We track and record quotes that carriers have provided based on respective criteria. The rates and averages shown on this page should entirely be used as an estimate. About the Author

Fran Majidi Fran Majidi

Insurance Expert

Fran Majidi manages subject on SmartFinancial ‘s web site. She ‘s had closely a decade ‘s worth of have writing about insurance-related topics. Prior, she was an arts and entertainment editor program in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi .linkedin

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