Deciphering which companies have the cheapest car insurance rates in Phoenix will take a little more sweat in order to find the most economical policy.
Each company uses their own formula to set policy rates, so we’ll go over the most competitive car insurance companies in Phoenix. We do need to point out that Phoenix, AZ car insurance rates are impacted by many factors which can substantially change the cost of your policy. Simply improving your credit, having a teenage driver, or having an accident may cause policy rate changes that may make certain companies cheaper than before.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,119 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,357 |
| 14 | State Farm | $1,377 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,433 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
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The Hartford may offer some of the best car insurance rates in Phoenix at around $845 each year. This is $583 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers would also make the list of some of the more affordable Phoenix, AZ auto insurance companies.
In the above rates, if you currently have a policy with Travelers and switched to Safeco, you could realize an annual savings of in the neighborhood of $196. Policyholders with GEICO could save as much as $208 a year, and Progressive customers might lower prices by up to $229 a year.
To find the cheapest rates for your vehicle, click here to get quotes or feel free to get quotes from the companies below.
These prices are averaged for all insureds and vehicles and do not take into consideration a specific zip code in Phoenix. So the car insurance company that is best suited for you may not even be in the list above. That is why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
One of the more important factors that are looked at to determine the amount you pay each year for auto insurance is where you normally keep your vehicle. More populated areas tend to have more expensive car insurance rates, whereas more rural areas have the enjoyment of a little cheaper coverage.
The following table ranks the highest-priced areas in Arizona to purchase auto insurance in. Phoenix is ranked #1 costing $1,231 for the average policyholder, which is around $103 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Tempe | $1,152 |
| 6 | Scottsdale | $1,129 |
| 7 | Gilbert | $1,120 |
| 8 | Goodyear | $1,120 |
| 9 | Chandler | $1,115 |
| 10 | Mesa | $1,113 |
| 11 | Buckeye | $1,110 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Maricopa | $1,085 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Oro Valley | $1,051 |
| 17 | Casas Adobes | $1,050 |
| 18 | Surprise | $1,048 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $963 |
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Premium amounts are comparative as the vehicle garaging location can increase or decrease premiums substantially.
The vehicle to be insured is one of the largest factors that determines the availability of the lowest-priced insurance in Phoenix. Vehicles with lots of horsepower, poor safety features, or high incidents of liability claims will cost more to insure than more economical and safe models. The list below showcases auto insurance costs for a handful of the more affordable vehicles to buy insurance for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,720 |
| Ford Escape Limited 4WD | $1,827 |
| Toyota Prius | $1,865 |
| Dodge Grand Caravan CV | $1,885 |
| Chevrolet Malibu LS | $1,992 |
| Honda Civic LX-S 4-Dr Sedan | $2,056 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $2,065 |
| Hyundai Elantra GLS 4-Dr Sedan | $2,095 |
| Ford Fusion Sport 4-Dr Sedan | $2,133 |
| Chevrolet Silverado LS Crew Cab 4WD | $2,142 |
| Ford F-150 STX Regular Cab 4WD | $2,165 |
| Ford Focus S 4-Dr Sedan | $2,242 |
| Volkswagen Jetta S 2.5 Station Wagon | $2,245 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $2,280 |
| Toyota Camry LE | $2,286 |
| Toyota RAV4 Sport 2WD | $2,294 |
| Chevrolet Equinox LT 2WD | $2,286 |
| Chevrolet Impala LS | $2,395 |
| Toyota Corolla XLE | $2,404 |
| Ford F-250 XL Crew Cab Harley Edition 2WD | $2,422 |
| Jeep Grand Cherokee Laredo 4WD | $2,442 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $2,445 |
| Nissan Rogue S 2WD | $2,451 |
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Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in your specific Phoenix, AZ location which can raise or lower coverage rates noticeably.
Based on these rates, you can conclude that cars like the Honda CR-V, Ford Escape, Toyota Prius, Dodge Grand Caravan, and Chevrolet Malibu are going to be a few of the less-costly vehicles to insure for drivers in Phoenix.
Illustration showing the impact of accidents and violations
The common sense way to find cheap car insurance premiums in Phoenix for drivers in Phoenix is to be a safe driver and not get tickets or have accidents. The chart below illustrates how violations and accident claims can affect insurance premiums for different categories of driver ages. The information is based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.
The data charted above shows the average cost of auto insurance in Phoenix per year with no accidents and a clean driving record is $971. Add in two speeding tickets and the average cost jumps to $1,367, an increase of $396 each year. Now include two accidents along with the two speeding tickets and the 12-month cost of car insurance in Phoenix increases to an average of $3,030. That’s an increase of $2,059, or $172 per month, just for not being more responsible behind the wheel!
How to find cheaper auto insurance in Phoenix
Below you’ll find a few thrifty suggestions that can help Arizona drivers buy lower-cost coverage.
- Drop full coverage on older vehicles
- Good credit scores may lower your rates
- Increase deductibles to save money
- Being accident-free can lower rates significantly
- Drive safely
- Buy a car with high safety ratings
- Shop around for cheaper rates regularly
The last tip is especially crucial, as we pointed out in this article. Insurance rates can change in a short period of time, so don’t hesitate to change to a new company if a cheaper price is available. Brand loyalty is not necessarily bad, but it’s not a good idea if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, now is a great time to shop around and find cheaper auto insurance in Phoenix in Phoenix.