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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Bluefire | $61 | $730 | Phoenix, AZ |
| Safeco | $102 | $1,225 | Phoenix, AZ |
| Mercury | $106 | $1,267 | Phoenix, AZ |
| Aspire Advantage | $126 | $1,517 | Phoenix, AZ |
| Progressive | $137 | $1,641 | Phoenix, AZ |
| State Auto | $138 | $1,651 | Phoenix, AZ |
| Kemper | $147 | $1,766 | Phoenix, AZ |
| Allstate | $148 | $1,775 | Phoenix, AZ |
| Nationwide | $150 | $1,797 | Phoenix, AZ |
| Clearcover | $150 | $1,802 | Phoenix, AZ |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| AAA | $108 | $1,290 | Phoenix, AZ |
| Plymouth Rock | $123 | $1,478 | Phoenix, AZ |
| Bluefire | $175 | $2,097 | Phoenix, AZ |
| Nationwide | $208 | $2,501 | Phoenix, AZ |
| Mercury | $210 | $2,522 | Phoenix, AZ |
| Allstate | $213 | $2,559 | Phoenix, AZ |
| Mapfre | $217 | $2,599 | Phoenix, AZ |
| Safeco | $228 | $2,734 | Phoenix, AZ |
| Clearcover | $232 | $2,778 | Phoenix, AZ |
| Travelers | $232 | $2,787 | Phoenix, AZ |
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.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 18-20 | $589 | $7,062 | Phoenix, AZ |
| 21-24 | $346 | $4,157 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $277 | $3,324 | Phoenix, AZ |
| Commonwealth Insurance | $309 | $3,711 | Phoenix, AZ |
| Gainsco | $332 | $3,979 | Phoenix, AZ |
| Mendota | $360 | $4,326 | Phoenix, AZ |
| Dairyland | $371 | $4,453 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Dairyland | $450 | $5,395 | Phoenix, AZ |
| Commonwealth Insurance | $493 | $5,915 | Phoenix, AZ |
| Trexis | $493 | $5,915 | Phoenix, AZ |
| Assurance America | $539 | $6,468 | Phoenix, AZ |
| Mendota | $638 | $7,655 | Phoenix, AZ |
| Progressive | $683 | $8,200 | Phoenix, AZ |
| The General | $841 | $10,092 | Phoenix, AZ |
| Bristol West | $1,394 | $16,722 | Phoenix, AZ |
| Gainsco | $6,374 | $76,482 | Phoenix, AZ |
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.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 25-34 | $247 | $2,962 | Phoenix, AZ |
| 35-44 | $214 | $2,573 | Phoenix, AZ |
| 45-54 | $197 | $2,367 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Allstate | $54 | $652 | Phoenix, AZ |
| Mercury | $77 | $923 | Phoenix, AZ |
| Kemper | $81 | $969 | Phoenix, AZ |
| Progressive | $99 | $1,192 | Phoenix, AZ |
| Safeco | $106 | $1,270 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Mercury | $189 | $2,264 | Phoenix, AZ |
| Nationwide | $190 | $2,277 | Phoenix, AZ |
| Kemper | $200 | $2,396 | Phoenix, AZ |
| Progressive | $220 | $2,639 | Phoenix, AZ |
| Safeco | $232 | $2,783 | Phoenix, AZ |
| Allstate | $239 | $2,863 | Phoenix, AZ |
| Travelers | $243 | $2,916 | Phoenix, AZ |
| Assurance America | $289 | $3,466 | Phoenix, AZ |
| Mendota | $296 | $3,551 | Phoenix, AZ |
| Bristol West | $301 | $3,618 | Phoenix, AZ |
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.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 55-64 | $174 | $2,087 | Phoenix, AZ |
| 65+ | $190 | $2,277 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Safeco | $55 | $664 | Phoenix, AZ |
| Aspire Advantage | $56 | $669 | Phoenix, AZ |
| Progressive | $64 | $767 | Phoenix, AZ |
| Kemper | $66 | $794 | Phoenix, AZ |
| Mercury | $82 | $989 | Phoenix, AZ |
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.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Assurance America | $99 | $1,192 | Phoenix, AZ |
| Safeco | $181 | $2,175 | Phoenix, AZ |
| Mercury | $189 | $2,265 | Phoenix, AZ |
| Progressive | $189 | $2,267 | Phoenix, AZ |
| Bristol West | $196 | $2,355 | Phoenix, AZ |
| Travelers | $209 | $2,513 | Phoenix, AZ |
| Kemper | $277 | $3,327 | Phoenix, AZ |
| Encompass | $283 | $3,391 | Phoenix, AZ |
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:
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|
| $216 | $2,590 | Phoenix, AZ |
These insurers offer the lowest prices to Phoenix drivers with blemish-free records, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Bluefire | $61 | $730 | Phoenix, AZ |
| Embark General | $95 | $1,144 | Phoenix, AZ |
| Anchor General | $118 | $1,418 | Phoenix, AZ |
| Aspire Advantage | $128 | $1,540 | Phoenix, AZ |
| Mercury | $159 | $1,907 | Phoenix, AZ |
| Allstate | $175 | $2,106 | Phoenix, AZ |
| Progressive | $182 | $2,183 | Phoenix, AZ |
| Safeco | $183 | $2,194 | Phoenix, AZ |
| Kemper | $191 | $2,297 | Phoenix, AZ |
| Nationwide | $193 | $2,313 | Phoenix, AZ |
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.
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| 550-659 | $266 | $3,187 | Phoenix, AZ |
| 660-750 | $247 | $2,961 | Phoenix, AZ |
| <550 | $300 | $3,600 | Phoenix, AZ |
| 750+ | $203 | $2,431 | Phoenix, AZ |
These insurance companies provide the cheapest quotes to Phoenix drivers with scores below 550, based on Jerry’s data.
|
Insurance Company
|
Credit Score
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|---|
| Aspire Advantage | <550 | $133 | $1,597 | Phoenix, AZ |
| Kemper | <550 | $174 | $2,088 | Phoenix, AZ |
| Mercury | <550 | $179 | $2,149 | Phoenix, AZ |
| Travelers | <550 | $180 | $2,154 | Phoenix, AZ |
| Allstate | <550 | $183 | $2,196 | Phoenix, AZ |
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.
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| At Fault With Injury | $293 | $3,517 | Phoenix, AZ |
| At Fault With No Injury | $273 | $3,277 | Phoenix, AZ |
| Not At Fault | $239 | $2,862 | Phoenix, AZ |
Cheapest car insurance for drivers with at-fault accidents with no injury in Phoenix
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Anchor General | $123 | $1,481 | Phoenix, AZ |
| Aspire Advantage | $127 | $1,520 | Phoenix, AZ |
| National General | $212 | $2,542 | Phoenix, AZ |
| Mercury | $214 | $2,565 | Phoenix, AZ |
| Allstate | $220 | $2,636 | Phoenix, AZ |
Cheapest car insurance for drivers with at-fault accidents with injury in Phoenix
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| State Auto | $155 | $1,858 | Phoenix, AZ |
| National General | $157 | $1,889 | Phoenix, AZ |
| Progressive | $166 | $1,990 | Phoenix, AZ |
| Travelers | $180 | $2,155 | Phoenix, AZ |
| Aspire Advantage | $192 | $2,310 | Phoenix, AZ |
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.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Speeding over 15 | $335 | $4,020 | Phoenix, AZ |
| Speeding under 15 | $256 | $3,071 | Phoenix, AZ |
These insurers provide the most affordable insurance policies to Phoenix drivers with speeding tickets on their records, according to Jerry’s quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $123 | $1,479 | Phoenix, AZ |
| AAA | $143 | $1,719 | Phoenix, AZ |
| Mercury | $204 | $2,444 | Phoenix, AZ |
| Travelers | $224 | $2,690 | Phoenix, AZ |
| Nationwide | $225 | $2,694 | Phoenix, AZ |
| Clearcover | $229 | $2,743 | Phoenix, AZ |
| Allstate | $229 | $2,744 | Phoenix, AZ |
| Kemper | $236 | $2,827 | Phoenix, AZ |
| Progressive | $238 | $2,857 | Phoenix, AZ |
| National General | $239 | $2,871 | Phoenix, AZ |
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.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| DUI | $260 | $3,115 | Phoenix, AZ |
These insurers offer the cheapest insurance quotes to Phoenix drivers with DUIs, per Jerry’s customer quote data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
City, State
|
|---|---|---|---|
| Aspire Advantage | $114 | $1,371 | Phoenix, AZ |
| Mercury | $160 | $1,923 | Phoenix, AZ |
| Progressive | $195 | $2,340 | Phoenix, AZ |
| Trexis | $215 | $2,576 | Phoenix, AZ |
| Kemper | $219 | $2,624 | Phoenix, AZ |
| National General | $247 | $2,968 | Phoenix, AZ |
| Mendota | $285 | $3,418 | Phoenix, AZ |
| Assurance America | $287 | $3,448 | Phoenix, AZ |
| Safeco | $300 | $3,604 | Phoenix, AZ |
| Gainsco | $301 | $3,614 | Phoenix, AZ |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
