Average Car Insurance Rates for Phoenix, AZ in 2024
- State Minimum Liability: You can expect to pay $109 a month or $1,307 a year.
- Full Coverage: You can expect to pay $332 a month or $3,983 a year.
Cheapest Car Insurance Companies in Phoenix, AZ
In Phoenix, AZ, the costs of car insurance vary widely among different providers. Here’s an overview of the average full coverage insurance rates offered by various companies:
- Progressive:
- Minimum Liability: $939 annually ($78 monthly)
- Full Coverage: $2,696 annually ($225 monthly)
- GEICO:
- Minimum Liability: $1,106 annually ($92 monthly)
- Full Coverage: $3,006 annually ($250 monthly)
- Allstate:
- Minimum Liability: $1,243 annually ($104 monthly)
- Full Coverage: $4,339 annually ($362 monthly)
- Farmers:
- Minimum Liability: $1,471 annually ($123 monthly)
- Full Coverage: $4,405 annually ($367 monthly)
- State Farm:
- Minimum Liability: $1,776 annually ($148 monthly)
- Full Coverage: $5,468 annually ($456 monthly)
Among these providers, Progressive stands out as the cheapest option for both minimum liability and full coverage.
Cheapest Options for Minimum Liability:
- Progressive: $939 annually ($78 monthly)
- GEICO: $1,106 annually ($92 monthly)
Cheapest Options for Full Coverage:
- Progressive: $2,696 annually ($225 monthly)
- GEICO: $3,006 annually ($250 monthly)
These rates illustrate the cost differences between providers, highlighting Progressive and GEICO as more economical choices for car insurance in Phoenix, AZ.
How Much Does My Auto Policy Increase with Driving Violations in AZ
In Arizona, the cost of car insurance for full coverage significantly increases with each type of driving violation. Here is a breakdown of how much more expensive full coverage insurance becomes with various driving violations:
- Clean Driving Record:
- Full Coverage: $2,603 annually ($217 monthly)
- 1 Speeding Violation:
- Full Coverage: $3,244 annually ($270 monthly)
- Increase: $641 annually ($53 monthly)
- 1 At-Fault Accident:
- Full Coverage: $3,553 annually ($296 monthly)
- Increase: $950 annually ($79 monthly)
- 1 DUI Violation:
- Full Coverage: $3,589 annually ($299 monthly)
- Increase: $986 annually ($82 monthly)
Our data shows that even a single speeding violation can raise the cost of full coverage by $641 annually. The financial impact is even more significant with an at-fault accident or DUI violation, increasing the annual premium by $950 and $986, respectively. Thus, maintaining a clean driving record is crucial for keeping car insurance costs manageable in Arizona.
- About the CCI Author
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Michael Giusti, MBA, is a senior contributor who writes in-depth content about state-level auto insurance rules, pricing trends, and savings opportunities for drivers. His expertise supports data-rich rate guides to help you find the cheapest auto coverage quotes on CheapCarInsurance.net.