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

What does average auto insurance cost in Phoenix? We compare insurance rates by automotive segment to find the models with the cheapest car insurance in Phoenix.

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  • Average car insurance cost in Phoenix is $1,688 per year, which is 10.8% more than the national average rate of $1,523.
  • Auto insurance rates for a few popular vehicles in Phoenix include the Chevrolet Silverado at $155 per month, Ford Escape at $124, and Ford F150 at $140.
  • Vehicles like the Ford Ecosport, Mazda CX-30, Honda CR-V, and Mazda CX-5 receive top rankings for cheap car insurance in Phoenix.
  • Models with the most affordable car insurance in Phoenix for their automotive segment include the Ford Edge ($1,434 per year), Ford F150 ($1,676 per year), Chevrolet Colorado ($1,412 per year), and Mercedes-Benz A220 ($1,636 per year).

How much is car insurance in Phoenix?

The average cost to insure a vehicle in Phoenix is $1,688 per year, which is 10.8% more than the national average rate of $1,523. The average monthly cost of car insurance in Phoenix is $141 for a full coverage policy.

In the state of Arizona, the average cost to insure a vehicle is $1,356 per year, so the average cost in Phoenix is $332 more per year. The average cost of auto insurance in Phoenix compared to other Arizona locations is around $212 per year more than in Mesa, $252 per year more than in Chandler, and $242 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2021 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Phoenix includes all Zip Codes and vehicle trim levels.
Phoenix, AZ Car Insurance Cost Summary
Average Car Insurance Cost in Phoenix, AZ
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,822$319
Safe Driver Age 20$3,348$279
At-fault Accidents Age 40$2,380$198
Low Deductibles Age 40$2,190$183
Safe Driver Age 30$1,774$148
Safe Driver Age 40$1,688$141
Safe Driver Age 50$1,536$128
Safe Driver Age 60$1,506$126
High Deductibles Age 40$1,426$119
Discount Rate Age 40$1,400$117

Average rates in the chart above range from $1,400 per year for a middle-aged driver who qualifies for a great discount rate to $3,822 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 $1,688 per year.

As a monthly rate, car insurance cost in Phoenix ranges from $117 to $319 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 – $6,042 per year or $504 per month
  • 17-year-old driver – $5,644 per year or $470 per month
  • 18-year-old driver – $5,270 per year or $439 per month
  • 19-year-old driver – $4,766 per year or $397 per month
  • 20-year-old driver – $3,348 per year or $279 per month
  • 30-year-old driver – $1,774 per year or $148 per month
  • 40-year-old driver – $1,688 per year or $141 per month
  • 50-year-old driver – $1,536 per year or $128 per month
  • 60-year-old driver – $1,506 per year or $126 per month

The auto insurance rates mentioned up to this point consist of an average based on every 2021 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

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 $1,800 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 $518 more per year for $250 physical damage deductibles versus $1,000.
  • Average car insurance cost per month ranges from $123 to $494 – 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 – $1,688 (Phoenix average) versus $1,356 (Arizona average)
  • Phoenix car insurance cost is more than the U.S. average – $1,688 (Phoenix average) versus $1,523 (U.S. average)
  • Insuring a teenager is expensive – Average rates range from $4,236 to $6,042 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 $1,538 less per year than a 20-year-old driver, $1,740 compared to $3,278.

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 Honda CR-V, Mazda CX-3, and Toyota C-HR.

Average car insurance rates for those vehicles cost $116 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 Mitsubishi Eclipse Cross, Hyundai Venue, Kia Sportage, and Nissan Kicks.

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 $1,430 or less per year ($119 per month) in Phoenix.

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

Top 30 Cheapest Car Insurance Rates in Phoenix
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-3$1,306$109
2Chevrolet Spark$1,312$109
3Honda CR-V$1,358$113
4Kia Rio5$1,376$115
5Mazda CX-5$1,376$115
6Mazda CX-30$1,378$115
7Ford Ecosport$1,384$115
8Toyota C-HR$1,388$116
9Toyota Corolla$1,388$116
10Nissan Rogue Sport$1,396$116
11Hyundai Kona$1,398$117
12Chevrolet Trax$1,404$117
13Buick Envision$1,412$118
14Chevrolet Colorado$1,412$118
15Kia Sedona$1,412$118
16Nissan Kicks$1,414$118
17Hyundai Venue$1,416$118
18Mitsubishi Eclipse Cross$1,420$118
19Hyundai Tucson$1,422$119
20Kia Sportage$1,424$119
21Jeep Compass$1,430$119
22Ford Edge$1,434$120
23Kia Soul$1,434$120
24Volkswagen Golf$1,434$120
25Acura RDX$1,438$120
26Chevrolet Equinox$1,442$120
27Chevrolet Blazer$1,444$120
28Chevrolet Trailblazer$1,450$121
29Subaru Impreza$1,450$121
30Honda Passport$1,454$121

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
    Top 30 Cheapest Car Insurance Rates in Phoenix

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Phoenix car insurance cost by segment is based on 2021 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Phoenix Zip Codes.
    Phoenix Car Insurance Rates by Vehicle Segment
    Phoenix Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Large Van$1,524$127
    Small SUV$1,526$127
    Midsize Truck$1,534$128
    Midsize Van$1,574$131
    Midsize Minivan$1,600$133
    Small Car$1,652$138
    Midsize SUV$1,680$140
    Midsize Car$1,744$145
    Large Truck$1,780$148
    Small Luxury SUV$1,818$152
    Large SUV$1,820$152
    Large Car$1,894$158
    Midsize Luxury SUV$1,960$163
    Small Luxury Car$1,964$164
    Heavy Duty Truck$2,016$168
    Midsize Luxury Car$2,262$189
    Sports Car$2,394$200
    Large Luxury SUV$2,432$203
    Large Luxury Car$2,680$223
    Exotic Car$3,394$283

    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 Acura ILX costing $1,564 per year up to the BMW M5 costing $2,906 per year.

    For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $1,464 per year to the Nissan GT-R at $3,442 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 Chevrolet Spark, coming in at $1,312 per year. Second place is the Kia Rio5 at $1,376 per year, coming in third is the Toyota Corolla, costing an average of $1,388 per year, and ranking fourth is the Volkswagen Golf, at an average of $1,434 per year.

    Not the cheapest, but still in the top 10, are models like the Honda Insight, Honda Civic, Mazda 3, and Nissan Sentra, with average rates of $1,552 per year or less.

    Ranked in the lower half of the top 20, models like the Volkswagen Passat, Mazda 6, Toyota Camry, Chevrolet Malibu, and Subaru Legacy cost between $1,552 and $1,710 to insure per year.

    Full-coverage auto insurance in Phoenix for this segment will start around $109 per month, depending on your location.

    The cheapest compact car to insure in Phoenix is the Chevrolet Spark at $1,312 per year. For midsize models, the Honda Insight is the cheapest model to insure at $1,552 per year. And for full-size cars, the Kia Cadenza is the cheapest model to insure at $1,696 per year.

    The rate comparison table below ranks the cars with the lowest-cost car insurance in Phoenix, starting with the Chevrolet Spark at $1,312 per year ($109 per month) and ending with the Volkswagen Passat at $1,710 per year ($143 per month).

    Cheapest Cars to Insure in Phoenix
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,312$109
    Kia Rio5Compact$1,376$115
    Toyota CorollaCompact$1,388$116
    Volkswagen GolfCompact$1,434$120
    Subaru ImprezaCompact$1,450$121
    Nissan SentraCompact$1,504$125
    Honda CivicCompact$1,520$127
    Mazda 3Compact$1,520$127
    Kia RioCompact$1,550$129
    Honda InsightMidsize$1,552$129
    Hyundai AccentCompact$1,566$131
    Mazda 6Midsize$1,582$132
    Kia ForteCompact$1,584$132
    Chevrolet MalibuMidsize$1,592$133
    Toyota PriusCompact$1,678$140
    Subaru LegacyMidsize$1,688$141
    Kia CadenzaFull-size$1,696$141
    Honda AccordMidsize$1,708$142
    Toyota CamryMidsize$1,710$143
    Volkswagen PassatMidsize$1,710$143

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
      Cheapest Cars to Insure in Phoenix

      Quite a few popular car models in Phoenix have more expensive insurance rates than shown above. For example, the Hyundai Sonata costs an average of $1,932 per year to insure ($161 per month), the Hyundai Elantra costs $1,850 ($154 per month), and the Tesla Model 3 costs an average of $1,900 ($158 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 Mazda CX-3 at $1,306 per year, the Honda CR-V at $1,358 per year, and the Mazda CX-5 at $1,376 per year.

      Not the cheapest, but still very affordable, are SUVs like the Chevrolet Trax, Buick Envision, Toyota C-HR, and Nissan Rogue Sport, with an average cost of $1,412 per year or less.

      As a cost per month, auto insurance in this segment for an average middle-age driver starts at around $109 per month, depending on the company.

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

      Cheapest SUVs to Insure in Phoenix
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-3Compact$1,306$109
      Honda CR-VCompact$1,358$113
      Mazda CX-5Compact$1,376$115
      Mazda CX-30Compact$1,378$115
      Ford EcosportCompact$1,384$115
      Toyota C-HRCompact$1,388$116
      Nissan Rogue SportCompact$1,396$116
      Hyundai KonaCompact$1,398$117
      Chevrolet TraxCompact$1,404$117
      Buick EnvisionCompact$1,412$118
      Nissan KicksCompact$1,414$118
      Hyundai VenueCompact$1,416$118
      Mitsubishi Eclipse CrossCompact$1,420$118
      Hyundai TucsonCompact$1,422$119
      Kia SportageCompact$1,424$119
      Jeep CompassCompact$1,430$119
      Ford EdgeMidsize$1,434$120
      Kia SoulCompact$1,434$120
      Chevrolet EquinoxCompact$1,442$120
      Chevrolet BlazerMidsize$1,444$120

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
        Cheapest SUVs to Insure in Phoenix

        A few of the more popular SUVs with auto insurance rates higher than the top 20 cheapest models listed above include the Ford Explorer at $1,654 per year, the Chevrolet Traverse at an average of $1,676, and the Toyota Highlander at $1,800.

        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 ILX, costing $1,564 per year. Second place is the Mercedes-Benz A220 costing $1,636 per year, and the third most affordable is the Volvo S60, costing an average of $1,768 per year.

        Not the cheapest luxury cars to insure, but still very reasonable, are models like the Lexus ES 350, Lexus RC 350, BMW Z4, and Acura TLX, with average rates of $1,864 per year or less.

        Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Mercedes-Benz AMG CLA45, Audi A5, BMW 230i, Genesis G70, and BMW i3 cost between $1,864 and $1,938 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 $130 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 ILX at $1,564 per year ($130 per month) and ending with the Cadillac CT5 at $1,938 per year ($162 per month).

        Cheapest Luxury Cars to Insure in Phoenix
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,564$130
        Mercedes-Benz A220Compact$1,636$136
        Volvo S60Compact$1,768$147
        Lexus RC 300Midsize$1,804$150
        BMW 330iCompact$1,810$151
        Cadillac CT4Compact$1,816$151
        BMW Z4Compact$1,818$152
        Acura TLXCompact$1,840$153
        Lexus ES 350Midsize$1,856$155
        Lexus RC 350Compact$1,864$155
        Mercedes-Benz AMG CLA45Midsize$1,868$156
        BMW i3Compact$1,870$156
        BMW 230iCompact$1,878$157
        Lexus IS 300Midsize$1,892$158
        Audi A5Full-size$1,896$158
        Genesis G70Compact$1,902$159
        Alfa Romeo GiuliaCompact$1,904$159
        Audi S3Compact$1,914$160
        Audi A3Midsize$1,920$160
        Cadillac CT5Midsize$1,938$162

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
          Cheapest Luxury Cars to Insure in Phoenix

          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 $1,438 per year, the Cadillac XT4 at $1,486 per year, and the Volvo XC40 at $1,518 per year.

          Additional models that have affordable average insurance rates include the Lexus UX 250H, Lincoln Corsair, Lexus RX 350, and Lincoln Nautilus, with average annual insurance rates of $1,726 per year or less.

          In the bottom half of the top 20, models like the Cadillac XT6, Jaguar E-Pace, Infiniti QX50, Mercedes-Benz GLB 250, Lexus NX 300, and Land Rover Defender average between $1,726 and $1,798 to insure per year.

          Full-coverage insurance in Phoenix for this segment for an average middle-age driver starts at around $120 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 $1,438 per year. For midsize luxury models, the Volvo V60 is cheapest to insure at $1,610 per year. And for large luxury SUV models, the Volvo XC90 has the most affordable rates at $1,806 per year.

          The next table ranks the SUVs with the lowest-cost average insurance rates in Phoenix, starting with the Acura RDX at $1,438 per year ($120 per month) and ending with the Land Rover Defender at $1,798 per year ($150 per month).

          Cheapest Luxury SUVs to Insure in Phoenix
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,438$120
          Cadillac XT4Compact$1,486$124
          Volvo XC40Compact$1,518$127
          Volvo V60Midsize$1,610$134
          Cadillac XT5Midsize$1,650$138
          Lincoln CorsairCompact$1,674$140
          Lexus UX 250HCompact$1,686$141
          Lincoln NautilusMidsize$1,696$141
          Volvo XC60Compact$1,704$142
          Lexus RX 350Midsize$1,726$144
          Lexus UX 200Compact$1,728$144
          Mercedes-Benz GLB 250Compact$1,728$144
          BMW X1Compact$1,730$144
          Infiniti QX50Midsize$1,732$144
          Lexus NX 300Compact$1,740$145
          Jaguar E-PaceMidsize$1,742$145
          Mercedes-Benz GLC300Compact$1,750$146
          Lexus RX 350LMidsize$1,774$148
          Cadillac XT6Midsize$1,792$149
          Land Rover DefenderCompact$1,798$150

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
            Cheapest Luxury SUVs to Insure in Phoenix

            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, Nissan 370Z, Subaru WRX, Ford Mustang, and Audi TT. Auto insurance quotes for these models average $1,958 or less per year.

            Also ranking in the top 10 are cars like the Chevrolet Corvette, Subaru BRZ, Porsche 718, and Toyota Supra, with an average car insurance cost of $2,156 per year or less.

            As a cost per month, car insurance rates in this segment for an average middle-age driver starts at around $122 per month, depending on your company and location.

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

            Cheapest Sports Cars to Insure in Phoenix
            Make/Model Vehicle Type Annual Cost Monthly Cost
            Mazda MX-5 MiataSports Car$1,464$122
            Ford MustangSports Car$1,786$149
            Audi TTSports Car$1,902$159
            Subaru WRXSports Car$1,924$160
            Nissan 370ZSports Car$1,958$163
            Toyota SupraSports Car$1,966$164
            Subaru BRZSports Car$2,056$171
            Porsche 718Sports Car$2,094$175
            Chevrolet CorvetteSports Car$2,106$176
            Chevrolet CamaroSports Car$2,156$180
            Dodge ChallengerSports Car$2,312$193
            Jaguar F-TypeSports Car$2,610$218
            Lexus LC 500Sports Car$2,704$225
            Porsche 911Sports Car$2,808$234
            Acura NSXSports Car$3,198$267
            BMW i8Sports Car$3,200$267
            Audi R8Sports Car$3,440$287
            Nissan GT-RSports Car$3,442$287

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
              Cheapest Sports Cars to Insure 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 Frontier, GMC Canyon, Ford Ranger, Toyota Tacoma, and Chevrolet Colorado. Auto insurance quotes for these models average $1,608 or less per year, or around $134 per month.

              Also ranking in the top 10 are models like the Ford F150, Jeep Gladiator, GMC Sierra, and Toyota Tundra, with an average cost of $1,778 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 $118 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 $118 per month and ending with the Ram Truck 2500 at $170 per month.

              Cheapest Pickups to Insure in Phoenix
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,412$118
              Nissan FrontierMidsize$1,478$123
              Ford RangerMidsize$1,482$124
              Toyota TacomaMidsize$1,486$124
              GMC CanyonMidsize$1,608$134
              Jeep GladiatorMidsize$1,624$135
              Honda RidgelineMidsize$1,640$137
              Ford F150Full-size$1,676$140
              Toyota TundraFull-size$1,712$143
              GMC SierraFull-size$1,778$148
              Ram TruckFull-size$1,818$152
              Nissan TitanFull-size$1,822$152
              Chevrolet SilveradoFull-size$1,854$155
              Chevrolet Silverado HD 3500Heavy Duty$1,888$157
              GMC Sierra 2500 HDHeavy Duty$1,966$164
              Chevrolet Silverado HD 2500Heavy Duty$1,976$165
              GMC Sierra 3500Heavy Duty$2,012$168
              Ford F250 Super DutyHeavy Duty$2,040$170
              Ford F350 Super DutyHeavy Duty$2,040$170
              Ram Truck 2500Heavy Duty$2,040$170

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2021 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Phoenix, AZ.
                Cheapest Pickups to Insure in Phoenix

                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

                In Phoenix, Nissan Sentra insurance costs an average of $1,504 per year, or around $125 per month, and varies from $1,252 to $3,358.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Phoenix includes all Zip Codes and vehicle trim levels.
                Nissan Sentra Insurance Cost in Phoenix
                Nissan Sentra Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,358$280
                Safe Driver Age 20$2,944$245
                At-fault Accidents Age 40$2,114$176
                Low Deductibles Age 40$1,912$159
                Safe Driver Age 30$1,576$131
                Safe Driver Age 40$1,504$125
                Safe Driver Age 50$1,370$114
                Safe Driver Age 60$1,342$112
                High Deductibles Age 40$1,290$108
                Discount Rate Age 40$1,252$104

                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

                Car insurance for a Honda CR-V in Phoenix costs an average of $1,358 per year, or around $113 per month, and ranges from $1,128 to $3,076 annually for the sample risk profiles used in the insurance cost chart below.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Phoenix includes all Zip Codes and vehicle trim levels.
                Honda CR-V Insurance Cost in Phoenix
                Honda CR-V Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,076$256
                Safe Driver Age 20$2,692$224
                At-fault Accidents Age 40$1,904$159
                Low Deductibles Age 40$1,782$149
                Safe Driver Age 30$1,432$119
                Safe Driver Age 40$1,358$113
                Safe Driver Age 50$1,236$103
                Safe Driver Age 60$1,214$101
                High Deductibles Age 40$1,142$95
                Discount Rate Age 40$1,128$94

                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

                Insurance for a Honda Pilot in Phoenix averages $1,550 per year (about $129 per month) and has a range of $1,288 to $3,518 annually for the specific drivers in the insurance cost chart shown below.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 model year Honda Pilot with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Pilot car insurance cost in Phoenix includes all Zip Codes and vehicle trim levels.
                Honda Pilot Insurance Cost in Phoenix
                Honda Pilot Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,518$293
                Safe Driver Age 20$3,080$257
                At-fault Accidents Age 40$2,170$181
                Low Deductibles Age 40$2,058$172
                Safe Driver Age 30$1,642$137
                Safe Driver Age 40$1,550$129
                Safe Driver Age 50$1,408$117
                Safe Driver Age 60$1,386$116
                High Deductibles Age 40$1,290$108
                Discount Rate Age 40$1,288$107

                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

                In Phoenix, Honda Accord insurance costs an average of $1,708 per year (about $142 per month) and varies from $1,418 to $3,888 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2021 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Phoenix includes all Zip Codes and vehicle trim levels.
                Honda Accord Insurance Cost in Phoenix
                Honda Accord Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,888$324
                Safe Driver Age 20$3,404$284
                At-fault Accidents Age 40$2,408$201
                Low Deductibles Age 40$2,240$187
                Safe Driver Age 30$1,802$150
                Safe Driver Age 40$1,708$142
                Safe Driver Age 50$1,558$130
                Safe Driver Age 60$1,528$127
                High Deductibles Age 40$1,436$120
                Discount Rate Age 40$1,418$118

                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 $51 and $170 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-3 costs $2,136 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 $288 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 $265 per year versus a decent credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $307 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.