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open/ AZ/ phoenix

Cheapest car insurance in Phoenix, Arizona

Arizona requires minimum liability coverage of 25/50/15. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of Arizona →

Pulled directly from carrier rate filings for this city.

Phoenix is one of the larger markets Open Rate Index tracks, with 1,650,070 residents and enough filed volume to keep the spread below stable month to month. The spread here is wide, 52% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 13% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 American FamilyFiled rate $144.67
02 TravelersFiled rate $169.33
03 GEICOFiled rate $213.50
04 State FarmFiled rate $236.83
05 Farm Bureau Financial ServicesFiled rate $237.08
06 Auto-OwnersFiled rate $261.00
07 ProgressiveFiled rate $265.67
08 Country FinancialFiled rate $290.50
09 The HartfordFiled rate $303.92
Rate explainer
Why is your best rate $144.67 and not $209.31?

Phoenix is priced against 9 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$26.52
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.