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Car insurance coverage in Phoenix costs an average of $1,891 annually for full coverage. That's $444 more expensive than the national average of $1,447. If you are looking for the cheapest car insurance in Phoenix, consider comparing quotes from multiple insurers. Rates can vary by hundreds of dollars, depending on your age, driving record, and the type of car you own.

Read this guide to find out which insurance companies in Phoenix provide the best car insurance coverage for you. Also, know about the carriers that have the best ratings for customer satisfaction and what rate each provider offers for your specific situation.

Cheapest car insurance companies in Phoenix

GEICO Casualty Co is the cheapest car insurance company in Phoenix with an average cost of $1,092 per year, based on insurance.com's rate analysis. While USAA Casualty is second in terms of the cheapest car insurance companies in Phoenix. The table below shows how major insurance carriers rank for price.

CompanyAverage Annual Rates
GEICO Casualty Co$1,092
USAA Casualty Ins Co$1,178
Nationwide Ins Co of Am$1,437
Travelers Property Cas Ins Co$1,482
Mercury Casualty Co$1,502
Trumbull Ins Co$1,600
Progressive Advanced Ins Co$1,776
Auto-Owners Ins Co$1,937
State Farm Mutl Automobile Ins$1,966
CSAA General Ins Co$2,139
Allstate F&C Ins Co$2,457
Farmers Ins Co of AZ$2,770
Metropolitan Group P&C Ins Co$3,250

Cheapest car insurance cost in Phoenix by age group

Among the carriers surveyed by Insurance.com, Geico Cas Co is the cheapest car insurance company for adult drivers. It offers insurance at about $1,209 a year or $101 a month.

Rates typically drop as you gain more experience on the road and adult drivers can save money by shopping around and availing themselves of the discounts for which they are eligible. Geico Cas Co is also the cheapest auto insurance company for seniors with an average cost of $1,304 annually.

Car insurance rates go up for drivers after they enter their senior years, but they can trim their insurance costs by comparing quotes. Apart from shopping around, seniors can take advantage of the driver discounts available to lower their car insurance premiums.

Geico Cas Co offers the cheapest car insurance for young adults in Phoenix at about $1,471 a year. While Geico Cas Co is the cheapest insurance provider for teen drivers for full coverage at an average of $3,074 a year.

The table below shows that young drivers pay higher car insurance rates than adult and senior drivers because of the lack of experience on the road. But young drivers can lower their insurance rates by shopping around, by taking advantage of the good student discount, or by staying on their parents' insurance policy for as long as they can.

Company NameAdultsSeniorsTeensYoung Adults
Geico Cas Co$1,209$1,304$3,074$1,471
Progressive Advanced Ins Co$1,502$1,432$8,461$2,541
State Farm Mut Auto Ins Co$2,076$1,899$5,916$3,469
Nationwide Ins Co Of Amer$2,479$2,352$8,473$4,294
Farmers Ins Co Of AZ$2,914$2,755$15,425$4,301
Allstate Fire & Cas Ins Co$3,356$3,611$8,821$4,524

Cheapest car insurance companies in Phoenix by driver profile

Location and driving record are the two important factors that determine the cost of your car insurance. Your driving record can either raise or lower your car insurance premium depending on whether you have a good or bad driving history.

However, you can still find affordable coverage in Phoenix no matter what your driving history looks like. Make sure you compare the rates of different insurance companies to get the best deal possible.

  • Cheapest for a driver with Poor Credit: Geico
  • Cheapest for a driver with a speeding ticket: Geico
  • Cheapest for accident: Geico
  • Cheapest for DUI: Geico

Cheapest for a driver with poor credit: Geico

Geico is the cheapest car insurance company for a driver with poor credit in Phoenix. Its average annual rate is $2,236 or $186 a month.

Insurance companies often require that car drivers have good credit scores, and those with bad or poor credit may face more expensive rates.

CompanyAvgerage Annual Rates
Geico$2,236
Travelers$3,188
Nationwide$3,222
Mercury$3,718
USAA$4,222
Progressive$4,951
Farmers Ins$5,455
Trumbull Ins Co$5,514
Allstate$6,046
Auto-Owners Ins Co$7,710
Metropolitan$9,688
State Farm$11,183
CSAA$18,336

Cheapest auto insurance for drivers with a speeding ticket: Geico

Geico is the cheapest auto insurance company for a driver with a speeding ticket in Phoenix. Its average annual premium is $2,480 annually or $207 per month.

If you get a speeding ticket, it can lead to higher insurance rates for 3-5 years. Make sure you compare price quotes from multiple insurers before you decide on the company.

CompanyAvgerage Annual Rates
Geico$2,480
Travelers$2,902
State Farm$2,923
USAA$2,947
Nationwide$3,042
Progressive$3,669
CSAA$3,830
Mercury$3,861
Trumbull Ins Co$3,934
Auto-Owners Ins Co$4,236
Farmers Ins$4,389
Allstate$5,769
Metropolitan$7,289

Cheapest auto insurance after an at-fault accident: Geico

Geico offers the cheapest car insurance rates for a driver with an accident record in Phoenix at about $2,293 per year. Apart from Geico, Travelers, Nationwide, and State Farm are other cheap insurance companies on our list.

CompanyAvgerage Annual Rates
Geico$2,293
Travelers$2,894
Nationwide$3,142
State Farm$3,176
USAA$3,397
Auto-Owners Ins Co$3,852
Progressive$4,232
Trumbull Ins Co$4,388
Farmers Ins$4,736
Mercury$4,954
CSAA$5,028
Allstate$5,470
Metropolitan$10,418

Cheapest auto insurance after a DUI: Geico

Geico is the cheapest insurance company for a driver after a DUI or DWI offense in Allakaket at about a $2,858 year.

If you're convicted of a DUI, your insurance rates will go up and it could be years before they come down again. So, it's important to shop around and find the best deal for you.

CompanyAvgerage Annual Rates
Geico$2,858
State Farm$2,923
Travelers$3,046
Progressive$3,230
Mercury$3,691
Nationwide$3,865
Trumbull Ins Co$4,360
USAA$4,559
Farmers Ins$4,579
Auto-Owners Ins Co$5,004
CSAA$5,119
Allstate$6,346
Metropolitan$12,087

Average car insurance cost in Phoenix

The average car insurance rate in Phoenix is $1,891 a year for a full coverage policy of 100/300/100 for a driver age 30, $444 more than the national average of $1,447.

The average annual premium in Phoenix for minimum coverage is $688 a year or $57 a month, based on Insurance.com's rate analysis.

Average Annual RatesState Minimum Average
$1,891$688