Car Insurance for Phoenix in 2024

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Drivers in Phoenix pay an average of $2,712 per year for car insurance, but you might find cheaper coverage if you shop around.

Drew Gula
By Drew Gula 
Edited by Lacie Glover

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If you’re looking for cheap car insurance in Phoenix, Arizona, you’ll want to shop around and compare quotes from multiple companies. Insurers use a variety of factors to determine the cost of auto insurance, including your age, address, the type of car you drive and your driving history, which means every driver will ultimately get a different rate. That’s why shopping around is your best bet to getting the cheapest car insurance in Phoenix — or anywhere.

To find the cheapest companies in Phoenix, NerdWallet looked at average full coverage rates calculated from public filings obtained by pricing analytics company Quadrant Information Services. We analyzed rates for male and female drivers for all ZIP codes in Phoenix driving a 2021 Toyota Camry LE.

Read on to find out how auto insurance companies in Phoenix stack up. You can also check out our list of the cheapest car insurance companies nationwide.

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Cheapest car insurance companies in Phoenix

The biggest variable in your insurance cost will be the company you choose, so you’ll want to shop around to be confident you’re getting the best rate. In Phoenix, these are the cheapest car insurance companies based on average rates for a 35-year-old driver with good credit and a clean driving record, according to NerdWallet’s most recent analysis. It's important to remember that rates are determined individually, so these may not be the cheapest companies for you.

CompanyMedian annual rate
Farm Bureau Financial Services$1,922
The Hartford$2,559

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