Updated December 10, 2025

4 Tips For Buying Cheap Car Insurance in Phoenix, AZ

Arizona

4 Tips For Buying Cheap Car Insurance in Phoenix, AZ

In Phoenix, Jerry has helped customers find affordable coverage in Arizona since 2019. Here are some key numbers from the past six months:

  • Jerry has helped 5,407 drivers to compare 17 insurance providers.

  • Majority of quotes range from $155 to $346 per month.

  • On average, Jerry users who switched to a lower quote saved $35 to $148 per month.

If you’re looking to save on car insurance, Jerry can help you compare quotes and potentially find a better deal in minutes.

Honda1

How Jerry finds car insurance savings for Phoenix drivers

If you’ve noticed your insurance premium going up, you’re not alone. Jerry has made it easier for Phoenix drivers to uncover affordable car insurance by comparing multiple quotes for you. You could still save money even if your rates have increased recently. Here’s a look at real examples of Jerry customers in Phoenix who found lower rates:

Recent quotes

Last Updated Dec. 9, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.

Key takeaway: Comparing quotes for car insurance can reveal significant savings. Compare your options in minutes right from the Jerry app.


Learn more: Best car insurance in Arizona


Jerry agent tip 1: Compare quotes to find the cheapest insurer

Checking quotes before your policy renews helps Phoenix drivers avoid overpaying for car insurance. Jerry makes it easy to compare quotes from top insurers, so you can see potential savings and choose the best coverage for your budget.

Here’s what real Jerry customers see: multiple quotes for the same coverage and protection.

Recent customer quotes

Last Updated Dec. 9, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Shopping around for car insurance can save money but is time-consuming. Jerry reduces the hassle and helps you compare quotes in minutes.

Jerry agent tip 2: Unlock discounts to maximize your savings

Unlocking major discounts, like safe driver, multi-car, and good student discounts, can significantly lower your car insurance premiums in Phoenix. When you combine these savings with shopping for auto insurance quotes, you’ll see even bigger benefits. Jerry automatically searches for every discount you qualify for, ensuring you get the best possible rate.

Key takeaway: Combining discounts is an effective way to save. Jerry finds discounts you qualify for at different insurers when you compare quotes in the app.

Jerry agent tip 3: Review coverage to maximize savings and protection

Choosing the right mix of coverage is key for Phoenix drivers to balance protection and price. By carefully reviewing your options, you can unlock savings while ensuring you’re not left unprotected. Here are four coverage tiers offered by Jerry so you can find the best fit for your needs and budget.

Minimum

$104$185/mo

Meets Arizona’s 25/50/15 liability requirements to keep costs low, but doesn’t cover damage to your own car.

Full

$183$337/mo

Adds collision and comprehensive coverage for your vehicle, which is often required if your car is financed or leased.

Standard

$239$449/mo

Includes uninsured motorist and medical payments coverage, which is especially valuable since nearly 11% of Arizona drivers are uninsured.

Preferred

$260$437/mo

Offers higher liability, lower deductibles and extras like towing and rental reimbursement for maximum protection.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Key takeaway: Review your coverage options and strike the right balance between protection and savings. With Jerry’s app, you can compare real-time quotes and find the best fit for your needs.

  • Coverage definitions
cta1

Jerry Agent Tip 4: Pick the right deductible

Raising your deductible can drop your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the sweet spot with your own deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows drivers various deductible options and savings in real time, making it easy to choose the right deductible.

Drive with confidence.

Driving comes with risks like unexpected accidents, theft, and costly repairs. Choosing the right coverage helps you stay protected without overspending. With Jerry, finding affordable policies with coverage tailored to your needs is simple, making it easy for Phoenix drivers to drive with confidence every day.

lifestyle3

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

Expert-driven. Built for you.
Our experts
meet-experts-thumbnail
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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
Let Jerry find you personalized quotes in minutes.