Cheap car insurance in Phoenix, AZ

Phoenix is the most populated, largest and capital city in the State of Arizona, having an estimated population of about 1.66 million people in 2018. Additionally, it’s the 5th most populated city in USA. It’s also the only capital of a State whose population is over 1 million residents.

When the city of Phoenix comes across the mind of most people, the first images that pop into their mind is probably the retirement community or scenes of old west. However, that barely gets to this city’s surface. Phoenix economic climate is very business friendly and when it combines with the low expenses of living in the city makes it an ideal place for living with families.

Phoenix Car Insurance Information

Of all the cities in the State of Arizona that have the most expensive rates of auto insurance, Phoenix was ranked at the 1st position. Vehicle owners in the city of Phoenix pay 0.42 times or 42 % more in auto insurance premiums than the average auto insurance of the State and 2 times/ 200% more than national average.

The annual average rates of auto insurance in Phoenix, Arizona is approximately $1,735/ year in comparison to the nationwide average of $900. This makes it necessary to shop for few quotes of auto insurance before purchasing your car insurance policy. This is specifically why we are perfect for you. We’ve helped many auto insurance buyers in Phoenix make significant savings in their auto insurance premium cost.

The table below clearly shows the average auto insurance cost of Phoenix, Arizona State and the national average.


In order to determine the company with the cheapest auto insurance rates, we compared the rates of various auto insurance firms that are based in Phoenix. It’s worth noting that the rates of car insurance tend to vary depending on the age or sex of the driver. However, the biggest factor that affects costs is the variability in the quotes of the companies.

For instance, in Phoenix, the highest auto insurance quote was 200% higher or $1,143 as compared to the cheapest auto insurance firm’s quote that was $696. Therefore, we encourage our customers to obtain auto insurance quotes from a minimum of 3 car insurance firms so that they can make a comparison on the rates.

To make things even easier for you, we’ve made a list of the top 10 cheapest auto insurance firms in Phoenix together with their annual auto insurance rates in the table below.

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Rank Car Insurance Company Annual Insurance Rate
1 American Family $1143
2 Farm Bureau IA Mutual Group $1109
3 Allied $1054
4 Progressive $1044
5 Ameriprise $1005
6 Titan $999
7 Framers $970
8 Auto Owners $767
9 Freedom National $696

Phoenix Car Insurance Rate by Zip Code

Data recorded in the above table displays how rates of auto insurance in Phoenix tend to vary by the zip codes. We’re trying to give an explanation of how auto insurance rates tend to change from one zip code to another.

For instance, in Phoenix, the average rate of auto insurance for 30 year old male drivers is $1,479 at 85255 zip code, whereas the average rate of auto insurance for similar drivers for similar drivers increase to $1,717 at 85016 zip code. We can clearly note that this results to a price increase of about $238/ year as zip codes in Phoenix change. Therefore, it’s essential that you select the correct zip code when searching for auto insurance so that you get the most affordable rate of auto insurance in Phoenix.

Luckily, this is exactly what Network auto insurance does for you. We can assist you select the appropriate zip code when insuring your car to ensure that you get the cheap auto insurance in Phoenix.

Zip Code Gender Age Average Rate($) Lowest($) Highest($)
85086 Male 30 1512 801 2078
85024 Male 30 1622 926 2181
85255 Male 30 1479 893 2017
85310 Male 30 1559 970 2035
85018 Male 30 1689 1019 2297
85085 Male 30 1549 929 2194
85016 Male 30 1717 1005 2289
85254 Male 30 1608 895 2169
85050 Male 30 1601 955 2172
85048 Male 30 1500 909 2063


Age Women($) Men($)
70 1371 1497
60 1260 1343
50 1355 1397
40 1433 1440
30 1504 1500
20 2788 3342

The table below contains data that displays the rate of auto insurance in Phoenix for both genders and various age groups. We’re attempting to give an explanation of how the rates of auto insurance is affected by gender and the driver’s age.

For instance, in Phoenix, the average auto insurance rate for 20 year old male drivers is $2,788 whereas the average rate of insurance for women of the same age group decreases to reach $3,342. Additionally, the car insurance rate for 30 year old female and male drivers is almost similar costing about $1,500 / year.

We can clearly see a huge decrease in price ($1,500/ year) while the age range of the driver moves from 20 years to 30 years. Additionally, Phoenix auto insurance quotes within the age range of 30 to 70 years becomes stable costing approximately $1,350/ year for both genders. You can therefore obtain the cheapest auto insurance rate within this age range.

We’ll help you select the right family member to get your car insurance to ensure that you get the cheapest auto insurance rate in Phoenix, Arizona.


Insurance type Phoenix minimum requirement
Comprehensive /Collision deductible Unavailable
Property damage $10,000
Bodily injury liability $30,000

Phoenix city requires car insurance with the minimum protection from bodily injury of $15,000 for every person or $30,000 for every accident as well as $10,000 for the property damage for every accident. Therefore, we recommend that you obtain the best probable auto insurance coverage through the cheapest price possible. Luckily, this is specifically what Network insurance does for you. Contact us and we’ll find you a cheap car insurance company based on your exact Zip code.

Top car insurance agents in Phoenix

Estrella Insurance

8310 W Thomas Rd, Phoenix, AZ 85037, USA

AALL Insurance

925 W Southern Ave, Phoenix, AZ 85O41, USA

Oasis Insurance

10625 N 35th Ave e, Phoenix, AZ 85029, USA

American Family Insurance

4731 N Central Ave, Phoenix, AZ 85012, USA

National Insurance Centers

4245 W McDowell Rd, Phoenix, AZ 85009, USA

R P Ryan Insurance

1850 1 N 40th St, Phoenix, AZ 85032, USA

Bill Hunter Insurance Brokers

1837 E Indian School Rd, Phoenix, AZ 85016, USA

Summit Insurance

5425 E Bell Road, Scottsdale, AZ 85254, USA


Getting to Know Phoenix Arizona

Phoenix city is the State of Arizona’s capital. It is popular for it warm temperature and sun throughout the year. It is also known for vibrant nightclubs, spa resorts and golf courses.
  • Population 1.66 million (2018)
  • Land Area 1344 km²
  • Per Capita Income USD 24,11
  • Population Density 3207 per square mile
  • Longitude 112° 04’ W
  • Latitude 33° 27’ N
  • Area code West (623), Central (602), East (480)