Phoenix, AZ
Cheap Car Insurance in Phoenix
Phoenix drivers pay an average of $1,843/year for auto insurance — 10% above the Arizona state average. Compare quotes and save.
Why Phoenix drivers pay more
Urban density and high comprehensive claims (heat-related vehicle damage) raise rates. Across Arizona, the average annual premium is $1,675; Phoenix comes in at about $1,843 — 10% above the state benchmark.
Premiums vary widely within Phoenix based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Phoenix car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Phoenix can shift your premium 10-20%.