How much is auto insurance in Phoenix? The average cost of insurance coverage in Phoenix is $1,178 for women ($98.16 per month) and $1,126 a year for men ($93.83 per month). The average cost of auto insurance in Arizona is $843.92 ($70.13 per month), according to QuoteWizard. The national average price is $889.01 per year ($74.08 per month). On average your neighbors pay $96 a month.
Compare Auto Insurance in Phoenix
Phoenix, Arizona is a very big city. And not just it’s population. It also covers a large area. Phoenix’s city limits comprise of over 500 square miles. It’s also the sixth most populous city in the United States. So, if you live in Phoenix, you’ll be doing a lot of driving, so having affordable car insurance is vital.
Average Phoenix Car Insurance Rates
How much is auto insurance in Phoenix? The average cost of insurance coverage in Phoenix is $1,178 for women and $1,126 a year for men. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.
Prices can vary depending on a lot of factors: the number of insurance claims filed in your zip code and your driving record. Having comprehensive or liability coverage will also affect how much you will pay for auto insurance.
Average Annual Auto Insurance Rates in Phoenix
The following graph shows the most up to date year Arizona’s rate data is accessible. Arizona auto insurance rates went from $776 in 2011 up to $844 in 2015, a growth of $67, or 8.6%.
Cheap Car Insurance Companies Phoenix, AZ
Here are the most common auto insurance companies as reported by consumers in Phoenix, AZ last year.
- Klimes Insurance
- State Farm
- American Family
- Liberty Mutual
- Arizona Farm Bureau
- Country Financial
- 21st Century
How To Get Cheap Car Insurance In Phoenix
The best way to get cheap car insurance in Phoenix is by keeping a good driving record. Drivers that keep good driving records typically have much cheap insurance than drivers with accidents or speeding tickets on their driving record. Phoenix drivers can save about 37% on auto insurance without recent fault accidents on your record. Additionally, you can find cheap car insurance companies that will offer a low rate but keep in mind that not all auto insurance policies are created equally. Make sure you read the fine print before choosing the cheapest car insurance. You will find the lowest car insurance rates in Phoenix by comparing insurance companies.
Top 10 Vehicles
Here is the most common auto makes and models owned by Phoenix drivers requesting quotes.
- Ford F150
- Honda Accord EX/LX
- Ford Mustang
- Honda Civic EX
- Chevrolet Malibu LS
- Chevrolet C1500 Silverado
- Chevrolet Impala
- Ford Ranger
- Chevrolet Blazer
- Ford Taurus SE
Minimum Requirements for Auto Insurance in Phoenix
Phoenix, Arizona has a minimum liability coverage requirement commonly called the 15/30/10 rule. What this means is that drivers are required to keep insurance policies that include at a minimum:
- Property Damage Liability (PDL): $10,000.
The maximum amount the insurer will pay for property damage as the result of an auto accident.
- Individual Bodily Injury Liability (BIL): $15,000.
The entire amount the insurer will pay for one person injured in an auto accident.
- Total Bodily Injury Liability: $30,000.
The entire amount the insurer will pay for each person injured in an auto accident.
Arizona lets its residents to receive a certificate of deposit of $40,000 granted to the Office of the Arizona State Treasurer.
Drivers in Phoenix
Regarding safe driving, Phoenix drivers are above average. Phoenix ranked 77th out of 200 cities in the latest report by Allstate. While a lot of US drivers go up to ten years without getting into an accident, Phoenix drivers have an accident every nine years.
Phoenix drivers saved around $383 on their insurance policies by comparing rates through our convenient form.
Driving conditions such as traffic congestion and weather are factors that could influence your auto insurance rates.
In any case, the traffic in Phoenix isn’t that bad. TomTom’s annual traffic index report says that Phoenix ranked 165th for the worst traffic congestion on earth. However, commuters spend an extra 20 minutes each day caught in traffic throughout their rush hour commutes lasting up to an hour. And around77 hours each year for commutes around 30 minutes.
Phoenix weather can be explained in two words: dry & hot. The summers in Phoenix are long and hot, with temperatures regularly going well over 100 degrees, and they have short winters and are rarely that cold. On average, Phoenix receives around 36 days with any measurable rain a year. An average of around 8 inches of rain falls a year. Nevertheless, monsoon moisture may result in unexpected downpours and can cause flash floods. For drivers their greatest weather concern is the heat, that can be intense during summer months. In a normal year, the mercury index in Phoenix exceeds 100 degrees on 107 days.
Phoenix road conditions are something to be coveted and create increased costs for drivers. According to TRIP, 23 % of the major streets in Phoenix are in disrepair. And 29 % is just average. These inadequately maintained streets are somewhat responsible for the $550 a year that drivers pay for additional vehicle operating costs.
The Phoenix Municipal Court’s website allows you to pay for your traffic tickets. It also lets drivers know how to dispute tickets and offers helpful traffic court info.
Moving violations such as accidents and speeding tickets may add points to your license. These give you a bad driving record and raise your rates. The points can be on your driving record for up to 3 years. When you acquire too many points on your driving record, the insurer may change your designation to non-preferred. When this occurs, your insurer will most likely ask you to purchase a non-standard policy for high-risk drivers.
Drunk Driving Accidents and Fatalities
Phoenix Police stated 1,308 auto accidents in 2017 where alcohol was a contributing factor. These DUI accidents were the cause of 89 fatalities and 779 injuries.
SR-22 DUI Insurance
DUI convictions might need you to acquire an SR-22 form. Compare rates and get a quote from top insurance companies that focuses in Phoenix DUI insurance.
Auto Accident Statistics
Phoenix recorded 43,986 auto accidents in 2017 leading to 12,968 injuries.
Vehicle Theft Rates
Officials in Phoenix stated there were 7,653 auto thefts in 2017. That is a rate of 4.71 per 1,000 area residents. This is almost double the national rate of 2.37 auto thefts per 1,000 individuals.
Phoenix stated there were 230 deaths auto accidents in 2017. Every traffic fatality is a tragedy. And with Phoenix’s approximate population of 1,626,078, this is a safe US city in traffic fatality terms.
Phoenix Discounts on Car Insurance
Do you want more inexpensive auto insurance? Discounts could save you a lot of money. The following are some auto insurance discounts accessible to Phoenix, AZ drivers.
- Bundle your auto insurance with your renters or homeowner’s policy. You can save up to 20 % when bundling insurance policies together with the same insurance company
- Reside in a safe zip code with good drivers and a low crime rate. Drivers in neighborhoods with a high crime rate and traffic congestion will pay more for their auto insurance
- If you are one of the 10 % of Phoenix residents over 65 years of age, you might be able to make the most of the senior or retired and 55 years of age discount
- Consider taking a defensive driving course from a certified driving school. 12 % of Arizona’s drivers don’t have auto insurance. So, a defensive driving course like this may save you a lot, particularly if it hinders you from getting into an auto accident with an uninsured driver
- Retired members of the Military, active duty, Reserves, National Guard, are eligible for discounts for their military service. Arizona is home to 522,456 veterans. If you are one them, be sure to inquire about your savings
Insurance Rate Methodology
We took rates from three different insurance companies for a 30-year-old female and male drivers with a 2011 Honda Civic and compared them. Our rate profiles drive less than 10,000 miles annually and have clean driving records. Coverage will include state liability minimum of 25/50/10 and 25/50/10 for underinsured driver coverage. The policies also include $10,000 personal injury protection and a $500 collision and comprehensive deductible.