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Car Insurance in Phoenix

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Phoenix is one of the busiest and most populated cities in Arizona. It’s also one of the riskiest cities to drive in throughout the state. Having affordable Phoenix car insurance offers plenty of benefits, such as a balanced budget and peace of mind while on the road. Since Phoenix has some of the highest insurance rates in the state, finding the cheapest insurance matters all the more. Keep reading to find out more about car insurance in Arizona, such as average rates, where to find discounts and more.

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Quick Facts

Here are some fast facts about Phoenix car insurance:

  • Phoenix car insurance costs among the highest in the state.
  • The most expensive zip code in Phoenix is 85031, with an average annual rate of $1,801.
  • To drive legally in Arizona, you must have your vehicle insured with minimum liability coverage of 25/50/15.

How Much Does Car Insurance Cost in Phoenix?

Car insurance in Phoenix costs $1,743 a year on average for full coverage. This figure can be lower or higher depending on your driving history, number of claims filed, credit score, zip code, and other factors that the insurance company weighs to determine coverage costs. Car insurance rates differ per zip code due to the varied rates of accidents and risk levels. On the lower end, the state-required minimum liability insurance is $579 annually. For perspective, these are the average premiums in other major cities in Arizona.

City Yearly Car Insurance Premium
Phoenix $1,660
Tucson $1,315
Scottsdale $1,427
Sedona $973
Flagstaff $1,016
Mesa $1,467
Chandler $1,461
Tempe $1,521
Gilbert $1,420
Prescott $1,018
Glendale $1,618
Kingman $1,046
Surprise $1,364
Goodyear $1,271
Sierra Vista $965
Buckeye $1,263

Phoenix Car Insurance Rates by Zip Code

Phoenix car insurance rates are also affected by your zip code within the city. Insurance companies take your specific location as a factor for setting a rate. These are the average premiums in Phoenix’s top 10 zip codes.

Phoenix Zip Code Annual Insurance Premium
85031 $1,800
85019 $1,797
85017 $1,833
85016 $1,545
85015 $1,742
85014 $1,574
85013 $1,662
85012 $1,648
85007 $1,661
85006 $1,675

Phoenix Car Insurance Rates by Age

The average Phoenix car insurance rates by age follow the national trends of being high for teens and the early 20s and tapering off to lower rates after the late 20s. Rates also increase again after age 70 but can possibly be decreased after taking senior driving courses. These are the state average premiums by age. Phoenix car insurance rates are around 41% higher than the state average.

Age State Average Premium (per year)
16 $8,852
17 $7,997
18 $6,963
19 $4,116
20-29 $2,226
30-39 $1,660
40-49 $1,563
50-59 $1,445
60-69 $1,517
70-79+ $1,937

Driving Conditions in Phoenix

The driving conditions in Phoenix are typical of a busy city. Phoenix is one of the largest cities in Arizona. With more people on the road, there are more risks. Be prepared to play some of the state’s highest insurance rates to be well-protected. By working with a local insurance agent, you can find out exactly what you need in your policy to navigate Phoenix safely.

How Many Fatal Accidents Happen in Phoenix?

In 2019, there were 193 fatal accidents in Phoenix. These accidents resulted in 202 deaths. There were also 11,820 injury accidents in which 17,193 were injured. Of these accidents, 60 of the fatal accidents and 722 of the injury accidents were alcohol-related. Individuals who have DUIs may be required to carry DUI insurance for up to 5 years after this type of incident.

In the state, there are around 900 to 1,000 fatal accidents in Arizona per year. There are also around 35,000 accidents that result in injury per year. By implementing defensive driving strategies and avoiding drugs or alcohol when behind the wheel, you can make the road safer for all Arizona motorists.

How Are the Road Infrastructure and Bridges in Phoenix?

The road infrastructure and bridges in Phoenix are constantly undergoing repairs and improvements. You can learn more about current and ongoing projects here. Although Arizona’s highways are known for having some of the highest fatality rankings in the country, there are signs of encouragement in the completed highway interstate system, which has taken Arizona from #1 to #4 in the nation for highway fatalities.

Minimum Car Insurance Requirements in Phoenix

The minimum car insurance requirements in Phoenix are the same that apply to the rest of the state. According to ADOT, every vehicle should be covered by liability insurance with at least the minimum 25/50/10 limits. This means there is $25,000 toward bodily injury for one person, $50,000 for two or more people in an accident, and up to $15,000 toward property damage per incident.

Factors Allowed in Phoenix Car Insurance Rates

Arizona law allows car insurance companies to determine premiums based on factors like your location, marital status, homeownership, education, employment, and any other criteria they deem necessary. Drivers can get discounts based on good driving history and other factors that are under the discretion of the car insurance company. Since each company is different, it’s important to shop around.

Discounts for Car Insurance in Phoenix

There are many types of car insurance discounts in Phoenix that are based on the insurance company’s standards. Discounts may apply to this list but are not limited to:

What Are the Penalties for Driving Without Insurance in Phoenix?

The penalties for driving without insurance in Phoenix are the same as the state’s overarching laws. The consequences, which involve a fine and license suspension period, are more extensive after repeat offenses.

  • First offense: A fine of $500 and a three-month driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.
  • Second offense: A fine of $750 and a six-month driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.
  • Third offense: A fine of $1,000 and a one-year driver’s license and registration suspension. An SR-22 certificate of financial responsibility is also required for two years.

Get a Phoenix Car Insurance Quote Today!

Picture of a highway crossroad in Phoenix, Arizona, showing bridges in different heights and a busy main road.

Find a Phoenix car insurance quote today that works with your budget and coverage needs. Whether you need standard, non-standard, comprehensive, or just liability coverage, a Freeway Insurance agent can match you with a policy that gets you on the road.

Get started with a quote online, visit us at a Phoenix office near you, or call us at (800) 777-5620 for a quote today!