Between Phoenix’s sprawling landscape and relatively limited public transportation options, getting around The Valley is easiest if you have a car. But more cars on the road means more chances of getting into an accident, so it’s important to have the right car insurance policy in place.

We’ve gathered quote data from real Jerry customers in Phoenix to show you how your age, location in the city and driving record can affect your premium costs.

Cheapest minimum coverage insurance in Phoenix, Arizona

Arizona requires all drivers to have these minimum coverages:

• $25,000 for bodily injury per person in an accident.
• $50,000 for bodily injury to two or more people in an accident.
• $15,000 for damage to other peoples’ property.

Here are the average costs that insurers quote to Phoenix drivers for minimum coverage, from cheapest to most expensive, according to quote data from local Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Phoenix

If a rare weather hazard visits Phoenix and damages your vehicle, the state’s minimum coverage won’t help you recover costs. Full coverage kicks in in situations such as theft, vandalism, weather-related damage, or in accidents regardless of who is at fault.

This table shows the average full coverage insurance costs for Phoenix drivers, from cheapest to most expensive, according to Jerry’s quote data.

Cheapest car insurance for young drivers in Phoenix

Insurers typically charge young drivers higher rates than older drivers because they often view younger drivers as inexperienced, which makes them riskier to insure and increases their insurance costs. Here's what young drivers in Phoenix can expect to pay, based on quote data from real Jerry customers.

Cheapest minimum coverage for 20-year-olds

Based on Jerry's data, these insurers offer the cheapest minimum coverage auto insurance for 20-year-olds in Phoenix.

Cheapest full coverage for 20-year-olds

These insurers offer the cheapest full coverage car insurance policies for 20-year-olds, according to Jerry's quote data.

Cheapest car insurance costs for mature drivers in Phoenix (25-54 years old)

As drivers enter their late 20s and 30s, premium costs tend to go down. This is a good time to shop for a lower rate. Here are the rates more mature drivers can expect to pay in Phoenix, based on Jerry's quote data.

Cheapest minimum coverage for 36-year-olds

These insurers offer the cheapest quotes for minimum coverage car insurance to 36-year-olds in Phoenix, according to Jerry's data.

Cheapest full coverage for 36-year-olds

These insurers provide the cheapest full coverage quotes to 36-year-olds in Phoenix, according to Jerry's data.

Cheapest car insurance for older drivers (55+ years old)

Aging adds to your driving experience, which usually makes policy costs decrease. This is the case until you're in your 60s, when rates may start to rise. Here are the average rates for older Phoenix drivers, based on data from Jerry customers.

Cheapest minimum coverage for 65-year-olds

These insurers provide the lowest price quotes for 65-year-olds in Phoenix, according to Jerry's data.

Cheapest full coverage for 65-year-olds

Here are the companies that offer the cheapest full coverage policies to 65-year-olds, based on Jerry's quote data.

Cheapest car insurance for drivers with clean records in Phoenix

The lowest prices typically go to drivers with clean driving records. Here's what drivers with no violations or claims on their records can expect to pay on average, according to Jerry's quote data:

These insurers offer the lowest prices to Phoenix drivers with blemish-free records, according to Jerry's data.

Cheapest car insurance rates for drivers with low credit scores in Phoenix

Drivers with low credit scores may pay higher rates than those with good credit. Here's what Phoenix drivers can expect to pay for car insurance, based on their credit scores, according to Jerry's quote data.

These insurance companies provide the cheapest quotes to Phoenix drivers with scores below 550, based on Jerry's data.

Cheapest car insurance for drivers with at-fault accidents in Phoenix

Having an accident on your record usually causes your policy costs to rise. Here's what a driver with an at-fault accident can expect to pay in Phoenix, based on Jerry's quote data.

Cheapest car insurance for drivers with at-fault accidents with no injury in Phoenix

Cheapest car insurance for drivers with at-fault accidents with injury in Phoenix

Cheapest car insurance for drivers with speeding tickets in Phoenix

If you receive a ticket for speeding, your car insurance costs will likely increase. The higher your speed, the more expensive your policy. Here's what drivers with speeding tickets pay in Phoenix on average, according to customer data collected by Jerry.

These insurers provide the most affordable insurance policies to Phoenix drivers with speeding tickets on their records, according to Jerry's quote data.

Cheapest car insurance for drivers with DUIs in Phoenix

A DUI is often cause for your insurance rates to rise. Here's what drivers in Phoenix who have DUIs on their records can expect to pay, according Jerry's quote data.

These insurers offer the cheapest insurance quotes to Phoenix drivers with DUIs, per Jerry's customer quote data.

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS

Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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