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Cheapest car insurance companies in Phoenix
The biggest variable in your indemnity cost will be the ship’s company you choose, so you ’ ll want to shop around to be confident you ’ re getting the best pace. In Phoenix, these are the cheapest car indemnity companies based on average rates for a 35-year-old driver with good credit and a clean drive record, according to NerdWallet ’ s most recent psychoanalysis. It ‘s authoritative to remember that rates are determined individually, so these may not be the cheapest companies for you .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,275 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,404 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| QBE | $ 1,546 | not however rated |
| nationally | $ 1,556 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 1,629 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| grow Bureau Financial Services | $ 1,686 | not yet rated |
| Esurance | $ 1,807 | not so far rated |
| embrace | $ 1,828 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| ACCC Insurance | $ 1,829 | not yet rated |
| The Hartford | $ 1,835 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
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Average car insurance cost in Phoenix and Arizona
Rates across Arizona differ from those in Phoenix for lots of reasons. The issue of accidents, the type of roads and even the upwind can affect the rates drivers are charged. According to NerdWallet ’ s most holocene analysis, the average rate in Arizona is $ 1,632, while in Phoenix, it ‘s $ 1,999 .
|
Average city rate |
Average state rate |
|---|---|
| $1,999 | $1,632 |
Average cost of car insurance in Phoenix’s 10 largest ZIP codes
The cost of car indemnity varies based on where you live, even from one region to the adjacent. Some parts of a city may have higher rates of accidents or thefts, which can lead to an increase in the monetary value you pay. According to NerdWallet ’ second analysis, here are the 10 most populate ZIP codes in Phoenix and the average annual cost of car indemnity for a 35-year-old driver with good credit and a clean drive record .
|
ZIP Code |
Average Rate |
|---|---|
| 85008 | $2,063 |
| 85032 | $1,850 |
| 85033 | $2,154 |
| 85041 | $2,088 |
| 85204 | $1,809 |
| 85225 | $1,773 |
| 85281 | $1,760 |
| 85301 | $2,066 |
| 85308 | $1,866 |
| 85345 | $1,889 |
Cheap car insurance in Phoenix by age
Along with where you live, your long time is another major component in the price you pay for cable car insurance. For exercise, younger drivers normally pay more than older drivers with exchangeable driving histories and recognition scores due to having less experience on the road. You could easily find that the cheapest company for you changes as you historic period. here ‘s a dislocation of prices in Phoenix for similar drivers at respective ages, according to NerdWallet ’ s most late analysis.
Cheapest for 20-year-olds
While adolescent drivers are the most likely to be in an accident, 20-year-old drivers are silent relatively fresh to the road. A higher rate of accidents among younger drivers means they besides pay more for car policy. According to NerdWallet ’ s most late psychoanalysis, here ‘s what 20-year-olds in Phoenix pay, on average .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 2,078 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| QBE | $ 2,434 | not so far rated |
| Travelers | $ 2,837 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| USAA | $ 3,316 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| farm Bureau Financial Services | $ 3,378 | not even rated |
| ACCC Insurance | $ 3,400 | not however rated |
| countrywide | $ 3,662 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Country Financial | $ 3,700 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| CSAA | $ 3,935 | not yet rated |
| state farm | $ 3,999 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
Cheapest for 35-year-olds
By 35, your car indemnity rates should plateau. This is a great age to compare rates, as the cheapest insurance company you found in your 20s may no long be the best deal. hera ’ s what 35-year-old drivers might pay, on average, in Phoenix, according to NerdWallet ’ randomness analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,275 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,404 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| QBE | $ 1,546 | not so far rated |
| countrywide | $ 1,556 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 1,629 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| grow Bureau Financial Services | $ 1,686 | not however rated |
| Esurance | $ 1,807 | not so far rated |
| embrace | $ 1,828 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| ACCC Insurance | $ 1,829 | not however rated |
| The Hartford | $ 1,835 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Cheapest for 60-year-olds
At senesce 60, your car insurance rates are about deoxyadenosine monophosphate low as they ‘re going to get if your history is clean. Most drivers in this historic period group have lots of have on the road and established drive records, so insurers know what they ‘re getting into and charge less accordingly. That does n’t mean you wo n’t be able to save money by bundling or tapping into early discounts, so keep shopping about. Below are the cheapest companies, on average, in Phoenix, according to NerdWallet ’ s most holocene analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,171 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,231 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| nationally | $ 1,322 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 1,360 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| ACCC Insurance | $ 1,395 | not yet rated |
| The Hartford | $ 1,472
Read more: The 7 Best Car Insurance Companies (2022) |
NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| grow Bureau Financial Services | $ 1,519 | not so far rated |
| QBE | $ 1,574 | not yet rated |
| Esurance | $ 1,647 | not yet rated |
| embrace | $ 1,651 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
See what you could save on car insurance
easily compare personalized rates to see how much switch cable car policy could save you.
ZIP Code
Get started on Insure.com
Phoenix’s cheapest companies and rates by driving record
Your driving history besides plays a boastfully role in your car insurance rate. Drivers who have clean records will normally pay less than those with accidents, speeding tickets or other violations. Again, comparing policy companies is your best bet to getting the lowest rate. According to NerdWallet ’ mho analysis, these are the average rates in Phoenix by company for good drivers and those with violations on their criminal record.
Good drivers
Drivers without any marks on their records are about always going to pay the lowest prices for car indemnity when compared to drivers with an accident or driving rape. Insurers set rates based on the likely risk of you filing a claim, and good drivers are considered among the least hazardous. here are the average rates for beneficial drivers in Phoenix according to NerdWallet ’ s most holocene analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| Geico | $ 1,275 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| USAA | $ 1,404 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| QBE | $ 1,546 | not even rated |
| nationally | $ 1,556 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 1,629 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| farm Bureau Financial Services | $ 1,686 | not so far rated |
| Esurance | $ 1,807 | not even rated |
| embrace | $ 1,828 | NerdWallet military rank
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| ACCC Insurance | $ 1,829 | not yet rated |
| The Hartford | $ 1,835 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
Drivers with a DUI
Drivers with a DUI can struggle to find low-cost indemnity and may need to turn to a bad car indemnity company. A DUI on your record means you should expect to pay well more than a driver without one. here are the average rates for drivers with a DUI in Phoenix according to NerdWallet ’ s most recent analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| ACCC Insurance | $ 1,933 | not however rated |
| Geico | $ 2,313 | NerdWallet denounce
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Travelers | $ 2,332 | NerdWallet fink
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| progressive | $ 2,354 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| mercury | $ 2,696 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| The Hartford | $ 2,754 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| submit farm | $ 2,880 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Esurance | $ 2,975 | not however rated |
| nationally | $ 3,089 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| Farmers | $ 3,099 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
Drivers with an at-fault accident
If you ‘ve got an at-fault accident on your record, you ‘ll pay more than a driver with a clean record, but probable less than person with a DUI. Your indemnity company may ask for details about the accident to determine your rate — a fender curve will probable be treated differently from an accident caused by running a crimson light. here are the cheapest average rates for drivers with an at-fault accident on their record in Phoenix, according to NerdWallet ’ s most late analysis .
|
Company |
Rate |
NerdWallet Rating |
|---|---|---|
| USAA | $ 2,125 | NerdWallet rate
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| Travelers | $ 2,139 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| Geico | $ 2,274 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| state farm | $ 2,396 | NerdWallet rat
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 5.0 /5 |
| nationally | $ 2,451 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.5 /5 |
| The Hartford | $ 2,747 | NerdWallet evaluation
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 4.0 /5 |
| embrace | $ 2,758 | NerdWallet rating
NerdWallet’s ratings are determined by our editorial team. The scoring formulas take into account multiple data points for each financial product and service. 3.5 /5 |
| ACCC Insurance | $ 2,775 | not so far rated |
| farm Bureau Financial Services | $ 2,808 | not however rated |
| QBE | $ 3,016 | not even rated |
See what you could save on car insurance
well compare personalized rates to see how much interchange car insurance could save you.
ZIP Code
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Shop around to get cheap insurance
No matter what ship’s company you ‘re presently getting car policy from, remember that it ‘s crucial to shop around and compare quotes from multiple companies. Prices and offers change over time, and you may be able to save by switching to another insurance company. Be certain to take advantage of likely discounts. many insurers offer car insurance discounts for things like bundling early types of indemnity with your car policy or going years without filing a claim.
Methodology
For our “ good driver ” profile, NerdWallet averaged insurance estimates in the city for single male and female drivers with good citation and no tickets or violations. The analysis included the largest policy companies in each state ; smaller insurers were besides included when rates were available. Liberty Mutual and its subsidiaries were excluded from our psychoanalysis as rates were not made available. We used a 35-year-old driver ( unless a unlike age is stated ) and a 2019 Toyota Camry L and assumed 12,000 annual miles drive. For full coverage policies, we used the be coverage limits :
- $ 100,000 bodily injury liability per person .
- $ 300,000 bodily injury liability per accident .
- $ 50,000 place damage liability per accident .
- $ 100,000 uninsured motorist coverage per person .
- $ 300,000 uninsured motorist coverage per accident .
- Collision coverage with a $ 1,000 deductible .
- comprehensive coverage with a $ 1,000 deductible .
Where required by law, minimum extra coverages were added. Some policies include extra coverages at the insurance company ’ south free will. We used the same assumptions for all other driver profiles, with the trace exceptions :
- For drivers with minimal coverage, we adjusted the numbers above to reflect the minimum required coverage by police in the state.
Read more: Best car insurance companies for 2022
- For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $ 10,000 in property damage and no bodily injury claim .
- For drivers with a DUI, we added a individual bibulous driving irreverence that happened six months ago .
These are rates generated through Quadrant Information Services. Your own rates will be different .