Cheap Car Insurance in Phoenix, AZ

Written by Xuyun Zeng and 1 other
Updated Aug 20, 2025
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Cheap Car Insurance in Phoenix, AZ

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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
Safeco $92 $1,105 Phoenix, AZ
Liberty Mutual $105 $1,262 Phoenix, AZ
Geico $106 $1,271 Phoenix, AZ
Embark General $110 $1,316 Phoenix, AZ
Progressive $111 $1,329 Phoenix, AZ
Aspire Advantage $120 $1,434 Phoenix, AZ
National General $124 $1,493 Phoenix, AZ
Bristol West $127 $1,521 Phoenix, AZ
First Acceptance $130 $1,554 Phoenix, AZ
ROOT $140 $1,675 Phoenix, AZ
Last Updated Aug. 20, 2025

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.

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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
Embark General $179 $2,146 Phoenix, AZ
Safeco $218 $2,619 Phoenix, AZ
Aspire Advantage $232 $2,778 Phoenix, AZ
Geico $236 $2,833 Phoenix, AZ
ROOT $262 $3,148 Phoenix, AZ
Progressive $266 $3,195 Phoenix, AZ
Clearcover $280 $3,365 Phoenix, AZ
Bristol West $290 $3,476 Phoenix, AZ
Liberty Mutual $292 $3,509 Phoenix, AZ
First Acceptance $298 $3,570 Phoenix, AZ
Last Updated Aug. 20, 2025

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 $606 $7,276 Phoenix, AZ
21-24 $361 $4,334 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Liberty Mutual $151 $1,812 Phoenix, AZ
ROOT $190 $2,278 Phoenix, AZ
Geico $191 $2,297 Phoenix, AZ
Progressive $225 $2,705 Phoenix, AZ
The General $231 $2,772 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Liberty Mutual $299 $3,582 Phoenix, AZ
ROOT $376 $4,515 Phoenix, AZ
Aspire Advantage $427 $5,118 Phoenix, AZ
Geico $441 $5,297 Phoenix, AZ
Progressive $536 $6,431 Phoenix, AZ
Bristol West $542 $6,503 Phoenix, AZ
The General $546 $6,551 Phoenix, AZ
Safeco $568 $6,819 Phoenix, AZ
Gainsco $602 $7,225 Phoenix, AZ
Dairyland $629 $7,544 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $273 $3,272 Phoenix, AZ
35-44 $223 $2,674 Phoenix, AZ
45-54 $205 $2,455 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Geico $84 $1,014 Phoenix, AZ
Safeco $93 $1,119 Phoenix, AZ
Progressive $95 $1,143 Phoenix, AZ
National General $102 $1,227 Phoenix, AZ
Aspire Advantage $104 $1,250 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Aspire Advantage $178 $2,139 Phoenix, AZ
Safeco $211 $2,529 Phoenix, AZ
Geico $231 $2,774 Phoenix, AZ
Progressive $244 $2,929 Phoenix, AZ
ROOT $251 $3,015 Phoenix, AZ
Bristol West $256 $3,069 Phoenix, AZ
National General $277 $3,328 Phoenix, AZ
Assurance America $279 $3,343 Phoenix, AZ
Bluefire $280 $3,359 Phoenix, AZ
The General $290 $3,475 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $197 $2,359 Phoenix, AZ
65+ $202 $2,423 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Liberty Mutual $53 $638 Phoenix, AZ
Aspire Advantage $80 $963 Phoenix, AZ
Geico $84 $1,011 Phoenix, AZ
Progressive $90 $1,081 Phoenix, AZ
National General $95 $1,139 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Aspire Advantage $126 $1,515 Phoenix, AZ
Geico $177 $2,124 Phoenix, AZ
Progressive $192 $2,302 Phoenix, AZ
Bristol West $201 $2,409 Phoenix, AZ
Assurance America $208 $2,501 Phoenix, AZ
National General $214 $2,570 Phoenix, AZ
The General $222 $2,660 Phoenix, AZ
ROOT $246 $2,957 Phoenix, AZ
Safeco $257 $3,085 Phoenix, AZ
Trexis $267 $3,207 Phoenix, AZ
Last Updated Aug. 20, 2025
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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
$261 $3,132 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Embark General $144 $1,731 Phoenix, AZ
Aspire Advantage $172 $2,069 Phoenix, AZ
Safeco $189 $2,271 Phoenix, AZ
Geico $197 $2,368 Phoenix, AZ
The General $222 $2,668 Phoenix, AZ
Progressive $228 $2,732 Phoenix, AZ
ROOT $232 $2,783 Phoenix, AZ
Bristol West $249 $2,992 Phoenix, AZ
First Acceptance $256 $3,066 Phoenix, AZ
National General $265 $3,182 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $309 $3,709 Phoenix, AZ
660-750 $301 $3,606 Phoenix, AZ
<550 $318 $3,811 Phoenix, AZ
750+ $223 $2,679 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $182 $2,183 Phoenix, AZ
National General <550 $185 $2,219 Phoenix, AZ
Bluefire <550 $240 $2,874 Phoenix, AZ
Mendota <550 $249 $2,987 Phoenix, AZ
Safeco <550 $255 $3,057 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $229 $2,746 Phoenix, AZ
At Fault With No Injury $338 $4,055 Phoenix, AZ
Not At Fault $298 $3,576 Phoenix, AZ
Last Updated Aug. 20, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
Aspire Advantage $174 $2,094 Phoenix, AZ
Safeco $235 $2,818 Phoenix, AZ
Bluefire $243 $2,912 Phoenix, AZ
National General $267 $3,210 Phoenix, AZ
Progressive $277 $3,324 Phoenix, AZ
Last Updated Aug. 20, 2025

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

Insurance Company
Avg Monthly Quote
Avg Annual Quote
City, State
National General $148 $1,779 Phoenix, AZ
Trexis $215 $2,585 Phoenix, AZ
Aspire Advantage $225 $2,696 Phoenix, AZ
Commonwealth Insurance $287 $3,449 Phoenix, AZ
Bristol West $373 $4,477 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $319 $3,822 Phoenix, AZ
Speeding under 15 $240 $2,877 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $137 $1,645 Phoenix, AZ
Safeco $145 $1,743 Phoenix, AZ
Bluefire $191 $2,297 Phoenix, AZ
National General $206 $2,473 Phoenix, AZ
Progressive $228 $2,733 Phoenix, AZ
Commonwealth Insurance $242 $2,899 Phoenix, AZ
Trexis $298 $3,582 Phoenix, AZ
Mendota $301 $3,614 Phoenix, AZ
ROOT $303 $3,639 Phoenix, AZ
Assurance America $362 $4,341 Phoenix, AZ
Last Updated Aug. 20, 2025

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 $308 $3,694 Phoenix, AZ
Last Updated Aug. 20, 2025

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
Trexis $182 $2,180 Phoenix, AZ
Commonwealth Insurance $182 $2,182 Phoenix, AZ
National General $198 $2,380 Phoenix, AZ
Bluefire $217 $2,603 Phoenix, AZ
Aspire Advantage $239 $2,871 Phoenix, AZ
Dairyland $261 $3,132 Phoenix, AZ
Mendota $265 $3,185 Phoenix, AZ
Gainsco $282 $3,389 Phoenix, AZ
Progressive $296 $3,558 Phoenix, AZ
ROOT $359 $4,313 Phoenix, AZ
Last Updated Aug. 21, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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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.

meet-experts-thumbnail
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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 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.