Car Insurance Cost in Phoenix, AZ – Rates + Cheapest to Insure

• Average car insurance cost in Phoenix is $2,646 per year, which is 17.5% more than the national average rate of $2,221.
• Auto insurance rates for a few popular vehicles in Phoenix include the Chevrolet Silverado at $244 per month, Ford Escape at $201, and Ford F150 at $247.
• Vehicles like the Buick Envision, Honda Passport, Kia Soul, and Nissan Kicks receive top rankings for cheap car insurance in Phoenix.
• Models with the most affordable car insurance in Phoenix for their automotive segment include the Honda Passport ($2,108 per year), Nissan Titan ($2,476 per year), Chevrolet Colorado ($2,330 per year), and Acura Integra ($2,350 per year).

How much is car insurance in Phoenix?

The average cost to insure a vehicle in Phoenix is $2,646 per year, which is 17.5% more than the national average rate of $2,221. The average monthly cost of car insurance in Phoenix is $221 for a full coverage policy.

In the state of Arizona, the average cost to insure a vehicle is $2,328 per year, so the average cost in Phoenix is $318 more per year. The average cost of auto insurance in Phoenix compared to other Arizona locations is around $222 per year more than in Mesa, $262 per year more than in Chandler, and $252 per year more expensive than in Gilbert.

The next chart summarizes auto insurance cost in Phoenix for different common policy situations. Rates are averaged for all Phoenix Zip Codes and shown based on a wide range of driver ages and common risk profiles.

Average rates in the chart above range from $2,200 per year for a middle-aged driver who qualifies for a great discount rate to $6,086 per year for a 20-year-old driver who is required to buy high-risk auto insurance. Throughout this article, the rate used for comparison of different models and locations is the 40-year-old safe driver rate, which has an average cost of $2,646 per year.

As a monthly rate, car insurance cost in Phoenix ranges from $183 to $507 for the risk profiles shown in the chart above.

Phoenix auto insurance rates are priced differently for every driver and can also be significantly different between companies. Since there can be such a large difference in rates, it reinforces the need for accurate car insurance quotes when trying to find the cheapest auto insurance policy.

The age of the driver significantly impacts the price you pay for car insurance. The list below illustrates these differences by breaking out average car insurance rates for different driver ages.

Average car insurance rates in Phoenix for drivers age 16 to 60

• 16-year-old driver – $9,425 per year or $785 per month
• 17-year-old driver – $9,130 per year or $761 per month
• 18-year-old driver – $8,180 per year or $682 per month
• 19-year-old driver – $7,448 per year or $621 per month
• 20-year-old driver – $5,322 per year or $444 per month
• 30-year-old driver – $2,822 per year or $235 per month
• 40-year-old driver – $2,646 per year or $221 per month
• 50-year-old driver – $2,344 per year or $195 per month
• 60-year-old driver – $2,196 per year or $183 per month

The cost of car insurance for Phoenix’s favorite vehicles

The auto insurance rates mentioned up to this point consist of an average based on every 2024 vehicle model, which is helpful when making general comparisons such as the cost for different driver ages or locations.

Average car insurance rates work exceptionally well when trying to find the answer to questions like “is auto insurance in Phoenix cheaper than Glendale?” or “is Arizona auto insurance cheaper than California?”.

For more in-depth rate comparisons, however, the rates will be more accurate if we instead use rates for the specific vehicle being insured. Every vehicle has a different profile for determining car insurance prices and this data allows us to perform detailed cost comparisons.

This next list breaks down both annual and monthly average auto insurance rates in Phoenix for a small sample of popular cars, pickups, and SUVs. Later in this article, there is a section that explores the cost of insurance for some of these models in more detail.

Average car insurance rates for popular models in Phoenix

• Chevrolet Silverado – $2,926 per year or $244 per month
• Ford Escape – $2,414 per year or $201 per month
• Ford F150 – $2,960 per year or $247 per month
• Toyota Camry – $2,842 per year or $237 per month
• Honda Civic – $2,342 per year or $195 per month
• Chevrolet Equinox – $2,438 per year or $203 per month
• Ford Explorer – $2,398 per year or $200 per month
• Toyota Corolla – $2,576 per year or $215 per month
• Jeep Wrangler – $3,024 per year or $252 per month
• Tesla Model 3 – $3,106 per year or $259 per month

Models popular with drivers in Phoenix tend to be compact or midsize sedans like the Volkswagen Jetta and Kia K5 and compact and midsize SUVs like the Honda CR-V, Nissan Rogue, and Subaru Outback.

A few additional popular vehicles in Phoenix from other segments include luxury models like the Tesla Model S and Lexus RX 350, pickup trucks like the Ford F-150 and Toyota Tacoma, and sports cars like the Ford Mustang and Nissan GT-R.

We cover additional rates in the upcoming sections, but first, let’s revisit some of the concepts that we covered up to this point.

• Auto insurance gets cheaper as you get older – Insurance rates for a 60-year-old driver in Phoenix are $3,126 per year cheaper than for a 20-year-old driver.
• Lower deductible car insurance is more expensive than high deductible – A 40-year-old driver pays an average of $858 more per year for $250 physical damage deductibles versus $1,000.
• Average car insurance cost per month ranges from $183 to $785 – That is the average auto insurance cost range for insured drivers age 16 to 60 in Phoenix.
• Phoenix auto insurance prices are more expensive than the Arizona state average – $2,646 (Phoenix average) versus $2,328 (Arizona average)
• Phoenix car insurance cost is more than the U.S. average – $2,646 (Phoenix average) versus $2,221 (U.S. average)
• Insuring a teenager is expensive – Average rates range from $6,303 to $9,425 per year for car insurance for teens in Phoenix.
• Car insurance rates decline a lot between ages 20 and 30 – The average 30-year-old Phoenix driver will pay $2,500 less per year than a 20-year-old driver, $2,822 compared to $5,322.

What are the cheapest car insurance rates in Phoenix?

When rates are compared for all vehicles, the models with the cheapest insurance prices in Phoenix, AZ, tend to be small SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, and Toyota Corolla Cross.

Average car insurance rates for those vehicles cost $179 or less per month to have full coverage.

Some other vehicles that have very good auto insurance prices in the cost comparison table below are the Buick Envista, Subaru Outback, Kia Niro, and Honda CR-V.

Average auto insurance rates are slightly more for those models than the crossovers and small SUVs that rank near the top, but they still have an average cost of $2,304 or less per year ($192 per month) in Phoenix.

The following table lists the 30 cheapest vehicles to insure in Phoenix, ordered by annual cost.

The table above that contains 30 vehicle models with cheap Phoenix car insurance is great if you’re just looking for low rates. Due to the fact that we track over 700 vehicles, the vast majority of models get omitted from the table. Let’s try a different approach and break out the most affordable vehicles in a more useful way.

The next section of this article showcases the different automotive segments and the average cost of auto insurance in Phoenix. These rates should give a decent understanding of the general vehicle types that have the overall cheapest rates. Then the six sections following the chart display the 20 models with the most affordable insurance in each unique segment.

Phoenix car insurance rates by vehicle segment

When comparing new or used vehicles, it’s useful to have an idea of which styles of vehicles have more affordable auto insurance rates in Phoenix.

To illustrate this, you may be wondering if midsize cars cost less to insure than midsize SUVs or if luxury models have more expensive insurance than regular vehicles.

The chart below displays average auto insurance rates in Phoenix for different vehicle segments. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the most affordable average rates, while large luxury, performance, and sports cars have the most expensive overall rates.

Average rates for different segments are handy to make an overall comparison, but cost varies quite significantly within each of the segments shown above.

For example, in the midsize luxury car segment, Phoenix car insurance rates range from the Mercedes-Benz CLA250 costing $2,722 per year up to the BMW M8 costing $4,460 per year.

For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $2,446 per year to the Mercedes-Benz SL 63 at $5,436 per year.

In these next sections, we eliminate this variability by analyzing the cost of auto insurance in Phoenix from a model perspective rather than by segment.

Cheapest cars to insure in Phoenix

The #1 ranking in Phoenix for cheapest auto insurance in the non-luxury car segment is the Toyota GR Corolla, coming in at $2,298 per year. Second place is the Nissan Leaf at $2,318 per year, coming in third is the Honda Civic, costing an average of $2,342 per year, and ranking fourth is the Nissan Sentra, at an average of $2,424 per year.

Not the cheapest, but still in the top 10, are models like the Toyota Corolla, Kia K5, Honda Accord, and Toyota Prius, with average rates of $2,576 per year or less.

Ranked in the lower half of the top 20, models like the Mazda 3, Volkswagen Arteon, Hyundai Sonata, Subaru Legacy, and Mitsubishi Mirage G4 cost between $2,576 and $2,738 to insure per year.

Full-coverage auto insurance in Phoenix for this segment will start around $192 per month, depending on your location.

The cheapest compact car to insure in Phoenix is the Toyota GR Corolla at $2,298 per year. For midsize models, the Kia K5 is the cheapest model to insure at $2,552 per year. And for full-size cars, the Chrysler 300 is the cheapest model to insure at $2,520 per year.

The rate comparison table below ranks the cars with the lowest-cost car insurance in Phoenix, starting with the Toyota GR Corolla at $2,298 per year ($192 per month) and ending with the Mazda 3 at $2,738 per year ($228 per month).

See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Phoenix car insurance quotes from the best car insurance companies in Arizona.

Cheapest SUV insurance rates in Phoenix

The three top-ranked SUVs with the cheapest insurance rates in Phoenix are the Subaru Crosstrek at $1,954 per year, the Chevrolet Trailblazer at $1,986 per year, and the Kia Soul at $2,064 per year.

Not the cheapest, but still very affordable, are SUVs like the Mazda CX-5, Ford Bronco Sport, Buick Envision, and Toyota Corolla Cross, with an average cost of $2,166 per year or less.

As a cost per month, auto insurance in this segment for an average middle-age driver starts at around $163 per month, depending on the company.

The comparison table below ranks the SUVs with the cheapest insurance rates in Phoenix.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see rates for your SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Phoenix car insurance quotes from top-rated companies in Arizona.

Cheapest luxury cars to insure in Phoenix

The #1 ranking in Phoenix for cheapest auto insurance rates in the luxury car segment is the Acura Integra, costing $2,350 per year. Second place is the BMW 330i costing $2,692 per year, and the third most affordable is the Mercedes-Benz CLA250, costing an average of $2,722 per year.

Not the cheapest luxury cars to insure, but still very reasonable, are models like the Mercedes-Benz AMG CLA35, Lexus RC 300, Cadillac CT4, and Genesis G70, with average rates of $2,780 per year or less.

Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Lexus IS 350, Lexus RC 350, Cadillac CT5, BMW 330e, and Jaguar XF cost between $2,780 and $2,966 to insure per year in Phoenix.

On a monthly basis, car insurance rates on this segment in Phoenix for an average middle-age driver starts at around $196 per month, depending on the company.

The table below ranks the twenty cars with the lowest-cost car insurance in Phoenix, starting with the Acura Integra at $2,350 per year ($196 per month) and ending with the Audi S3 at $2,966 per year ($247 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Arizona.

Cheapest luxury SUVs to insure in Phoenix

The cheapest luxury SUVs to insure in Phoenix are the Acura RDX at $2,210 per year, the Lexus NX 250 at $2,340 per year, and the Cadillac XT4 at $2,388 per year.

Additional models that have affordable average insurance rates include the Lincoln Corsair, Lexus NX 350h, Lexus NX 450h, and Mercedes-Benz GLB 250, with average annual insurance rates of $2,550 per year or less.

In the bottom half of the top 20, models like the Lexus NX 350, Mercedes-Benz AMG GLB35, Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, Infiniti QX60, and Lexus RX 350 average between $2,550 and $2,656 to insure per year.

Full-coverage insurance in Phoenix for this segment for an average middle-age driver starts at around $184 per month, depending on your location.

When vehicle size is factored in, the most affordable compact luxury SUV to insure in Phoenix is the Acura RDX at $2,210 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,474 per year. And for large luxury SUV models, the Infiniti QX80 has the most affordable rates at $2,966 per year.

The next table ranks the SUVs with the lowest-cost average insurance rates in Phoenix, starting with the Acura RDX at $2,210 per year ($184 per month) and ending with the Lexus RX 350 at $2,656 per year ($221 per month).

For more car insurance comparisons, see our guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Phoenix car insurance quotes from top car insurance companies in Arizona.

Cheapest sports car insurance rates in Phoenix

Ranking in the top five for the most affordable Phoenix auto insurance rates in the sports car segment are the Mazda MX-5 Miata, Subaru WRX, BMW Z4, Toyota GR86, and Ford Mustang. Auto insurance quotes for these models average $2,966 or less per year.

Also ranking in the top 10 are cars like the Lexus RC F, BMW M2, Nissan Z, and Toyota GR Supra, with an average car insurance cost of $3,164 per year or less.

As a cost per month, car insurance rates in this segment for an average middle-age driver starts at around $204 per month, depending on your company and location.

The next table ranks the sports cars with the most affordable car insurance in Phoenix.

Looking for a different vehicle? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Arizona.

Cheapest pickup truck insurance rates in Phoenix

Ranking at the top for the lowest-cost Phoenix auto insurance rates in the pickup truck segment are the Nissan Titan, Ford Maverick, Nissan Frontier, Ford Ranger, and Chevrolet Colorado. Auto insurance quotes for these models average $2,564 or less per year, or around $214 per month.

Also ranking in the top 10 are models like the Toyota Tacoma, Honda Ridgeline, GMC Canyon, and GMC Sierra 2500 HD, with an average cost of $2,724 per year or less.

From a cost per month standpoint, full-coverage insurance on this segment in Phoenix for a safe driver can cost as low as $194 per month, depending on your location. The rate comparison table below ranks the pickups with the lowest-cost insurance rates in Phoenix, starting with the Chevrolet Colorado at $194 per month and ending with the Ram Truck at $255 per month.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Phoenix car insurance quotes from top car insurance companies in Arizona.

Phoenix auto insurance rate variability

To reinforce the amount the cost of the same car insurance policy can change from one driver to the next, the charts below show detailed rates for four popular vehicles in Phoenix: the Nissan Sentra, Honda CR-V, Honda Pilot, and Honda Accord.

Each example uses different risk profiles to show how much prices can vary with only minor risk factor changes.

Nissan Sentra insurance rates

The least-expensive 2024 Nissan Sentra trim level to insure in Phoenix is the S model, costing an average of $2,370 per year, or around $198 per month. This trim level has a sticker price of $20,630.

The most expensive 2022 Nissan Sentra trim level to insure in Phoenix is the SR, costing an average of $2,490 per year, or about $208 per month. The retail price for this model is $23,720, not including charges and fees.

When Phoenix auto insurance rates for the Nissan Sentra are compared to the national average cost on the same vehicle, the cost is $272 to $284 more expensive per year in Phoenix, depending on the model being insured.

The next rate chart illustrates how car insurance quotes for a Nissan Sentra can vary for different drivers, physical damage deductibles, and driver risk profiles.

The Nissan Sentra belongs to the compact car segment, and additional similar models include the Toyota Corolla, Hyundai Elantra, and Volkswagen Jetta.

Honda CR-V insurance rates

Average Honda CR-V insurance cost in Phoenix ranges from $2,138 up to $2,380 per year. The lowest-cost model to insure is the $29,500 CR-V LX trim level, while the highest-cost model is the $39,850 CR-V Sport Touring Hybrid AWD.

When Phoenix car insurance quotes for the Honda CR-V are compared with the national average cost for the same model, the cost is $244 to $274 more expensive per year in Phoenix, depending on the trim level being insured.

The next rate chart shows how the price of car insurance on a Honda CR-V can be very different for different drivers, policy deductibles, and risk profiles. For our sample risk profiles, rates range from $1,876 to $5,186 per year, which is a price difference of $3,310 per year for insurance on the same vehicle.

The Honda CR-V is considered a compact SUV, and additional models from the same segment that are popular in Phoenix include the Chevrolet Equinox, Mazda CX-5, Nissan Rogue, and Ford Escape.

Honda Pilot insurance rates

Honda Pilot insurance in Phoenix costs an average of $2,574 per year, ranging from $2,408 per year on the Pilot LX trim level up to $2,734 per year on the Pilot Elite AWD model.

The chart displayed below illustrates how car insurance rates for a Honda Pilot can be very different for different driver ages, policy deductibles, and potential risk scenarios.

For our selected driver profiles, prices range from $2,140 to $5,958 per year, which is a difference in cost of $3,818.

The Honda Pilot is part of the midsize SUV segment, and other similar models from the same segment include the Jeep Grand Cherokee, Toyota Highlander, Ford Explorer, and Kia Sorento.

Honda Accord insurance rates

Honda Accord insurance in Phoenix costs an average of $2,558 per year, ranging from $2,464 per year on the Accord EX-L Hybrid trim level (MSRP of $34,190) up to $2,620 per year on the Accord LX trim level (MSRP of $27,895).

When Phoenix auto insurance rates on a Honda Accord are compared with the overall national average cost on the same vehicle, rates are $284 to $300 more per year in Phoenix, depending on trim level.

The rate chart below illustrates how car insurance quotes on a Honda Accord can vary based on different driver ages, risk profiles, and policy deductibles.

For our example risk profiles, the cost ranges from $2,122 to $5,874 per year, which is a difference in cost of $3,752 to insure the same vehicle with different rated drivers.

The Honda Accord is classified as a midsize car, and other popular same-segment models include the Hyundai Sonata, Toyota Camry, Nissan Altima, and Kia K5.

Best practices for saving money on auto insurance

Drivers are often looking to save money on insurance So run through the tips and ideas below and it’s very likely you can save a little cash on your next policy.

• Get cheaper rates because of your employment. The vast majority of auto insurance providers offer discounts for earning a living in occupations like high school and elementary teachers, college professors, engineers, nurses, accountants, members of the military, and others. Working in a qualifying occupation could potentially save between $79 and $257 on your annual insurance cost, depending on the coverage levels.
• Remain claim free. Most auto insurance companies give a discounted rate for not having any claims. Auto insurance is intended to be used for large financial hits, not for insignificant claims.
• Buy vehicles with low cost insurance. The vehicle you choose to drive is a primary factor in the cost of car insurance in Phoenix. For example, a Mazda CX-30 costs $2,764 less per year to insure in Phoenix than a Nissan GT-R. Less performance means less cost.
• Research discounts to lower the cost. Discounts may be available if the policyholders are homeowners, are military or federal employees, choose electronic billing, sign their policy early, or many other discounts which could save the average Phoenix driver as much as $446 per year on car insurance.
• Clean up your credit to lower your rates. Insureds with excellent credit scores of 800+ could save an average of $415 per year versus a decent credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $482 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Shop around. Setting aside the time to get free car insurance quotes is a great way to save money. Rates are always changing and you do not have to wait for your renewal to change companies.