Lowest Car Insurance Rates In Arizona – The average cost of car insurance in Phoenix is $1,936 per year, which is 13.9% higher than the national average of $1,685. The average monthly cost of car insurance in Phoenix is $161 for a full policy.
In Arizona, the average cost of car insurance is $1,618 per year, so the average cost in Phoenix is $318 higher per year. The average cost of car insurance in Phoenix compared to other Arizona locations is about $226 per year more than Mesa, $264 per year more than Chandler, and $256 per year more than Gilbert.
Lowest Car Insurance Rates In Arizona
The following table summarizes the cost of car insurance in Phoenix for various common policy situations. Rates are averaged across all Phoenix zip codes and are shown based on a wide range of driver ages and typical risk profiles.
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Chart data details: Average rates are for model year 2023 with Safe Driver and No Claims discounts applied to qualified risk profiles. The rebate rate covers all possible discounts, including multi-car discounts, policy discounts, homeowner discounts, and more. Physical injury deductibles are $500, except for the low and high deductibles, which are $100 and $1,000 respectively. The average cost of car insurance in Phoenix covers all zip codes and vehicle trim levels. Last data update: December 30, 2022.
The average rates in the chart above range from $1,608 per year for a middle-aged driver who qualifies for a large discount to $4,400 per year for a 20-year-old driver who is required to purchase a high -risk car insurance. Throughout the article, the rate used to compare different models and locations is the 40-year Safe Driver rate, which averages $1,936 per year.
Monthly car insurance costs in Phoenix range from $134 to $367 for the risk profiles shown in the chart above.
Phoenix car insurance rates are priced differently for each driver and can vary greatly from company to company. Since there can be such a huge difference in rates, this increases the need for accurate car insurance quotes when trying to find the cheapest car insurance policy.
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The age of the driver significantly affects the price of car insurance. The list below illustrates these differences by breaking down the average car insurance rates for different age groups of drivers.
The auto insurance rates quoted so far consist of an average based on each 2023 vehicle model, which helps make general comparisons such as cost for different age groups of drivers or locations.
Average car insurance rates work well when trying to answer questions like “is car insurance cheaper in Phoenix than in Glendale?” or “is car insurance cheaper in Arizona than in California?”.
However, for a more accurate rate comparison, the rates would be more accurate if we used the rates for the specific vehicle being insured instead. Each vehicle has a different profile for car insurance pricing, and this data allows us to compare costs in detail.
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This next list shows average annual and monthly Phoenix car insurance rates for a small sample of popular cars, pickups, and SUVs. There is a section later in this article that goes into more detail about the cost of insuring some of these models.
Models popular with drivers in Phoenix tend to be compact to midsize sedans like the Volkswagen Jetta and Kia K5, and compact to midsize SUVs like the Honda CR-V, Nissan Rogue and Subaru Outback.
Some additional popular vehicles in Phoenix from other segments include luxury models such as the Tesla Model S and Lexus RX 350, pickup trucks such as the Ford F-150 and Toyota Tacoma, and sports cars such as the Ford Mustang and Nissan GT-R .
We’ll cover additional stakes in later sections, but first let’s go back to some of the concepts we’ve covered so far.
Best Car Insurance In Arizona (2023)
Comparing rates across all vehicles, the models with the cheapest insurance rates in Phoenix, AZ tend to be small SUVs and crossovers like the Subaru Crosstrek, Chevrolet Trailblazer, and Buick Encore.
Some other vehicles with great auto insurance prices in the cost comparison table below include the Hyundai Kona, Acura RDX, Ford Edge and Chevrolet Colorado.
Average auto insurance rates are slightly higher for these models than for crossovers and small SUVs, which rank near the top, but still average $1,642 or less per year ($137 per month) in Phoenix.
Table data details: The average car insurance rate for each model assumes a 40-year-old married driver with a clean driving record and no at-fault accidents. Safe driver and no-claims discounts apply to premiums. Full coverage physical injury deductibles are $500 and rates are averaged across all Phoenix, AZ ZIP Codes. Data last updated: December 29, 2022.
Cheapest Car Insurance Arizona: Cost And Companies (2023)
The table above of 30 car models with cheap Phoenix car insurance is great if you’re just looking for low rates. Due to the fact that we tracked more than 700 vehicles, most models were removed from the table. Let’s try a different approach and get the most affordable cars in a more profitable way.
The next section of this article outlines the different automotive segments and the average cost of car insurance in Phoenix. These rates should give you a decent understanding of the general types of vehicles that generally have the cheapest rates. Then, the next six sections of the chart show the 20 models with the cheapest insurance in each distinct segment.
When comparing new or used cars, it’s helpful to know which car styles have more affordable car insurance rates in Phoenix.
To illustrate, you might wonder if midsize cars are cheaper than midsize SUVs, or if luxury models have more expensive insurance than regular cars.
Average Cost Of Car Insurance In 2023
The chart below shows average car insurance rates in Phoenix for different vehicle segments. From an overall average perspective, small and medium SUVs, vans and minivans, and mid-sized pickup trucks tend to have the most affordable average prices, while large luxury, performance, and Sports cars have the most expensive overall rates.
Chart data details: Average Phoenix car insurance cost by segment is based on 2023 model year vehicles, taking into account safe driver and no claims discounts. Physical damage deductibles are $500 and rates are averaged across all Phoenix zip codes. Last data update: December 30, 2022.
The average bids for the various segments are useful for general comparison, but the cost varies significantly in each of the segments shown above.
For example, in the midsize luxury car segment, Phoenix car insurance rates range from a Cadillac CT5 that costs $2,086 per year to a BMW M8 that costs $3,244 per year.
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For example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $1,790 per year to the Mercedes-Benz SL 63 for $3,950 per year.
In the following sections, we eliminate this variation by analyzing the cost of Phoenix car insurance by model, not by segment.
1 in Phoenix for the cheapest car insurance in the non-luxury car segment is the Subaru Impreza, priced at $1,600 per year. In second place is the Volkswagen Jetta with a price of $1,766 per year, third is the Subaru Legacy, which costs an average of $1,784 per year, and fourth place is the Nissan Sentra with an average price of $1,796 per year.
Not the cheapest, but still in the top 10, are models like the Kia K5, Toyota Prius, Toyota Camry and Volkswagen Golf, with an average price of $1,870 a year or less.
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In the lower half of the top 20, models like the Volkswagen Arteon, Chrysler 300, Tesla Model 3, Kia Forte and Nissan Leaf cost between $1,870 and $2,034 a year.
Full car insurance in Phoenix for this segment starts at around $133 per month, depending on your location.
The cheapest compact car to insure in Phoenix is the Subaru Impreza at $1,600 per year. For midsize models, the Subaru Legacy is the cheapest model to insure at $1,784 per year. And for full-size cars, the Chrysler 300 is the cheapest model to insure at $1,890 a year.
The rate comparison table below shows the cars with the lowest cost of car insurance in Phoenix, starting with the Subaru Impreza for $1,600 per year ($133 per month) and ending with the Volkswagen Arteon for $2,034 per year ($170 every month).
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Table data details: Average rates are based on a 2023 model year, 40-year-old married driver with a clean driving history and no at-fault accidents. Safe Driver and No Claims discounts are applied to the policy premium, averaged across all vehicle trim levels. Full coverage physical injury deductibles are $500 and rates are averaged across all Phoenix, AZ ZIP Codes. Last data update: December 30, 2022.
Please see our comprehensive guides on Compact Car Insurance, Midsize Car Insurance and Full Size Car Insurance for details on vehicles not listed in the table.
Looking for rates for another vehicle? Enter your postcode below the table and click the orange “GO”
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