Compare the Cheapest Car Insurance Quotes in Phoenix, AZ

2022

The Cheapest and Best Car Insurance in Phoenix

The Cheapest Car Insurance Companies in Phoenix

The two companies that offer the cheap car insurance in Phoenix are :

• GEICO: $857 per year
• Progressive: $1,137 per year

At $ 845 per class, USAA is the most low-cost option for current and former military members and their families. GEICO has the most low-cost full coverage car indemnity in Phoenix, with an annual premium that is $ 1,245 cheaper than the most expensive policy offered by MetLife. Full coverage policies include comprehensive and collision insurance, but annually premiums vary depending on how much indebtedness insurance you select, your personal visibility and your driving history .

Cheapest Car Insurance in Phoenix

Full Coverage 100/300/100 Based on MoneyGeek ’ s methodology, our analysis used a 40-year-old male as the sample driver, carrying a full coverage policy in Phoenix. In addition to liability policy, full coverage car indemnity besides includes the following coverages that are not provided with minimum coverage policies :

• Collision Insurance: Pays for your car’s damages if you hit another vehicle or a stationary object.
• Comprehensive Insurance: Protects against expenses to your car from non-collision damages and loss.

Although costlier than minimal coverage policies, wax coverage policy provides auspices in case of any damage to your fomite. If you own an older vehicle, choosing a policy that meets state minimum requirements may be a better option. This is because the premiums for full coverage indemnity may wind up costing more than the refilling rate of your cable car. Loading …

Cheapest Car Insurance in Phoenix for Minimum Coverage

The cheapest indemnity options in Phoenix are those that offer only minimum coverage. The insurers that provide the most low-cost minimal coverage policies in the city are :

• GEICO: $400 per year
• Progressive: $547 per year

USAA offers the cheapest country minimum policy in Phoenix at $ 415 per year, but it is available entirely for military members and their families. GEICO ’ second policy is $ 633 cheaper than the most expensive minimum coverage policy provided by MetLife. Although minimum coverage policies are the most low-cost, you don ’ deoxythymidine monophosphate get comprehensive examination and collision coverage with such policies. The lower liability limit besides increases your hazard of fiscal burden in the event of an accident. You can check the table below to see how rates differ with higher liability limits .

Cheapest Minimum Liability Car Insurance in Phoenix

state Minimum Arizona drivers are required by express law to have minimal car indemnity with 25/50/15 in liability limits. This is the cheapest car insurance option and will reduce your premiums, but you may have to pay a large amount by chance in the consequence of an accident. For example, if you ’ re at fault in an accident and the early driver ’ s aesculapian bills total $ 50,000, a minimum coverage policy would lone cover up to $ 25,000. You would be creditworthy for paying the balance, in this event $ 25,000, yourself .

Arizona Minimum Liability Requirements

• item description
• Bodily Injury and Property Damage $ 15,000 per person, $ 30,000 per accident and $ 10,000 for place damage. A more protective flush is 100/300/100 .

Cheapest Car Insurance in Phoenix if You Have Driving Violations

Your drive record is an crucial factor that determines the cost of your car policy premiums. Having anterior violations such as speeding tickets, DUIs and at-fault accidents will increase the monetary value of indemnity. In Phoenix, the insurers with the cheapest policies for drivers with violations are :

• Cheapest after a ticket: GEICO, $1,021 per year
• Cheapest after an at-fault accident: GEICO, $1,247 per year
• Cheapest after a DUI: American Family, $1,330 per year

If you have violations on your record in Phoenix, you may get cheaper car indemnity by improving your driving history over clock time. meanwhile, you can look around for the best cheap car indemnity for drivers with bad records .

Cheapest Car Insurance in Phoenix With a Violation

Speeding ticket

Average Cost of Car Insurance in Phoenix

Phoenix

$1,430

Arizona

$1,284

U.S.

$1,424

The annual median car indemnity rate in Phoenix is $ 1,430. This is 11.4 % higher than the average pace in the state of Arizona, with Glendale future at $ 1,412, and Chandler and Gilbert the lowest at $ 1,195. In comparison to the average national car indemnity price, Arizona is 0.4 % higher.

Personalized Quotes to Get You the Cheapest Car Insurance in Phoenix

car insurance companies offer individualized quotes that allow drivers to get custom-made rates based on their needs. Auto policy quotes in Phoenix, much like in other cities, trust on factors such as the type of cable car, the driver ’ sulfur age and experience, sex, citation grade, ZIP code and driving history. Every cable car policy company has its own convention when computing its quotes, so it is best to inquire and compare the prices of different companies. At the like time, drivers should regularly request personalize quotes as they may qualify for discounts, rebates or other savings. The driver ’ mho age is a major gene in how car insurance companies determine their rates in Phoenix. A younger driver will pay a higher premium because they are less experienced, and therefore, are considered a fiscal risk as they can lead to higher indemnity claims. Young drivers besides have a high inclination for perturb force, foolhardy and dangerous behavior behind the wheel. Another component of a quote is the driver ’ s credit score. Insurers assess a driver ’ randomness credit mark with the assumption that dependable accredit scores result in fewer insurance claims. A driver with a badly credit rate can pay up to $ 1,428.36 more than another driver with an exceeding credit score. Loading …

The Best Car Insurance Companies in Phoenix

MoneyGeek ranked the top indemnity options for drivers in Phoenix that offer a symmetry of affordability and quality servicing. The best car insurance companies for most drivers are :

• GEICO: MoneyGeek score of 90 out of 100
• State Farm: MoneyGeek score of 85 out of 100

USAA scored highest as per MoneyGeek ’ second evaluation system. It may be the best cable car insurance option for veterans, military members and their families in Phoenix. MoneyGeek evaluated drug user atonement, affordability and insurance company fiscal stability to calculate the final examination scores. We besides used data from datum analytics and consumer intelligence company J. D. Power and early autonomous outfits .
1

USAA

grudge :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal constancy 2

GEICO

score :

90

5/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 3

State Farm

score :

85

3/5 Affordability 3/5 Claims Ratings 5/5 User Satisfaction A fiscal stability 4

Allstate

score :

82.5

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal constancy 5

CSAA

score :

82.5

5/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 6

Liberty Mutual

score :

82.5

3/5 Affordability 4/5

Claims Ratings 3/5 User Satisfaction A fiscal constancy 7

American Family

score :

80

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8

Travelers

grade :

80

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 9

Safeco

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 10

Farmers

score :

77.5

2/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 11

Progressive

score :

77.5

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy 12

Nationwide

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal constancy

Average Cost of Car Insurance by Postal Code

One of the major factors indemnity companies use when determining your rates is your slide fastener code. Insurers will often quote higher prices for a driver who lives in a densely populate region or an area with a high number of claims. In Phoenix, drivers in the 85032 ZIP code will pay an average annual agio of $ 1,276, which is about $ 300 cheaper than drivers in the 85009 area .

• Zip Code State Minimum

  per year

• 85032

  $1,276

• 85022

  $1,325

• 85008

  $1,407

• 85037

  $1,426

• 85041

  $1,439

• 85033

  $1,482

• 85035

  $1,508

• 85009

  $1,574

Factors That Impact Insurance Costs in Phoenix

In addition to individual driver needs and history, location-specific factors like the share of uninsured motorists and the rate of fatal accidents besides contribute to car indemnity rates in Phoenix. How Phoenix ranks compared to the 300 most populous cities in the United States can have a significant shock on premium costs . Most Accidents With Fatalities

30th

/ 300 Most car Thefts

127th

/ 300 Most uninsured Motorists by State

24th

/ 50 personal Injury Protection Required No Most annual rain

290th

/ 300 Most showery Days

260th

/ 300

Methodology and Assumptions

MoneyGeek ’ randomness average bounty rates for Phoenix are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and drive record. Learn more about MoneyGeek ’ mho data and methodology here. About the writer

Mark Fitzpatrick is a elder content coach with MoneyGeek specializing in policy. Mark has years of experience analyzing the indemnity grocery store and creating original research and contented. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .