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 $1,936 per year, which is 14.9% more than the national average rate of $1,685.
  • Auto insurance rates for a few popular vehicles in Phoenix include the Chevrolet Silverado at $177 per month, Ford Escape at $148, and Ford F150 at $164.
  • Vehicles like the Mazda CX-5, Nissan Rogue Sport, Nissan Kicks, and Honda Passport 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 ($1,504 per year), Nissan Titan ($1,918 per year), Ford Maverick ($1,610 per year), and Acura Integra ($1,740 per year).

How much is car insurance in Phoenix?

The average cost to insure a vehicle in Phoenix is $1,936 per year, which is 14.9% more than the national average rate of $1,685. The average monthly cost of car insurance in Phoenix is $161 for a full coverage policy.

In the state of Arizona, the average cost to insure a vehicle is $1,618 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 $226 per year more than in Mesa, $264 per year more than in Chandler, and $256 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 2023 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.Data last updated on December 30, 2022
Phoenix, AZ Car Insurance Cost Summary
2023 Average Car Insurance Cost in Phoenix, AZ
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,400$367
Safe Driver Age 20$3,854$321
At-fault Accidents Age 40$2,730$228
Low Deductibles Age 40$2,526$211
Safe Driver Age 30$2,040$170
Safe Driver Age 40$1,936$161
Safe Driver Age 50$1,764$147
Safe Driver Age 60$1,730$144
High Deductibles Age 40$1,634$136
Discount Rate Age 40$1,608$134

Average rates in the chart above range from $1,608 per year for a middle-aged driver who qualifies for a great discount rate to $4,400 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 $1,936 per year.

As a monthly rate, car insurance cost in Phoenix ranges from $134 to $367 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 – $6,938 per year or $578 per month
  • 17-year-old driver – $6,488 per year or $541 per month
  • 18-year-old driver – $6,060 per year or $505 per month
  • 19-year-old driver – $5,486 per year or $457 per month
  • 20-year-old driver – $3,854 per year or $321 per month
  • 30-year-old driver – $2,040 per year or $170 per month
  • 40-year-old driver – $1,936 per year or $161 per month
  • 50-year-old driver – $1,764 per year or $147 per month
  • 60-year-old driver – $1,730 per year or $144 per month

The auto insurance rates mentioned up to this point consist of an average based on every 2023 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 $2,124 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 $618 more per year for $250 physical damage deductibles versus $1,000.
  • Average car insurance cost per month ranges from $144 to $578 – 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 – $1,936 (Phoenix average) versus $1,618 (Arizona average)
  • Phoenix car insurance cost is more than the U.S. average – $1,936 (Phoenix average) versus $1,685 (U.S. average)
  • Insuring a teenager is expensive – Average rates range from $4,880 to $6,938 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 $1,814 less per year than a 20-year-old driver, $2,040 compared to $3,854.

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 Subaru Crosstrek, Chevrolet Trailblazer, and Buick Encore.

Average car insurance rates for those vehicles cost $129 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 Hyundai Kona, Acura RDX, Ford Edge, and Chevrolet Colorado.

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 $1,642 or less per year ($137 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
1Chevrolet Trailblazer$1,466$122
2Subaru Crosstrek$1,478$123
3Nissan Kicks$1,486$124
4Honda Passport$1,504$125
5Nissan Rogue Sport$1,512$126
6Mazda CX-5$1,522$127
7Buick Encore$1,544$129
8Buick Envision$1,548$129
9Kia Seltos$1,570$131
10Subaru Ascent$1,576$131
11Hyundai Venue$1,582$132
12Subaru Impreza$1,600$133
13Honda HR-V$1,608$134
14Ford Maverick$1,610$134
15Chevrolet Colorado$1,612$134
16Acura RDX$1,616$135
17Hyundai Kona$1,624$135
18Subaru Forester$1,632$136
19Ford Edge$1,642$137
20Honda CR-V$1,642$137
21Mazda CX-30$1,646$137
22Ford Explorer$1,650$138
23Volkswagen Atlas$1,654$138
24Chevrolet Trax$1,662$139
25Nissan Murano$1,664$139
26Subaru Outback$1,666$139
27Nissan Frontier$1,672$139
28Volkswagen Tiguan$1,684$140
29Ford Bronco Sport$1,686$141
30Fiat 500X$1,720$143

    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.Data last updated on December 29, 2022
    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 2023 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.Data last updated on December 30, 2022
    Phoenix Car Insurance Rates by Vehicle Segment
    Phoenix Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,762$147
    Midsize Pickup$1,830$153
    Midsize SUV$1,890$158
    Minivan$1,902$159
    Compact Car$1,928$161
    Midsize Car$1,974$165
    Compact Luxury SUV$2,094$175
    Half-ton Pickup$2,100$175
    Large SUV$2,118$177
    Compact Luxury Car$2,132$178
    Heavy Duty Pickup$2,226$186
    Large Car$2,250$188
    Midsize Luxury SUV$2,250$188
    Midsize Luxury Car$2,462$205
    Sports Car$2,646$221
    Large Luxury SUV$2,846$237
    Large Luxury Car$2,990$249

    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 Cadillac CT5 costing $2,086 per year up to the BMW M8 costing $3,244 per year.

    For another 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 at $3,950 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 Subaru Impreza, coming in at $1,600 per year. Second place is the Volkswagen Jetta at $1,766 per year, coming in third is the Subaru Legacy, costing an average of $1,784 per year, and ranking fourth is the Nissan Sentra, at an average 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 average rates of $1,870 per year or less.

    Ranked 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 to insure per year.

    Full-coverage auto insurance in Phoenix for this segment will start 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 per year.

    The rate comparison table below ranks the cars with the lowest-cost car insurance in Phoenix, starting with the Subaru Impreza at $1,600 per year ($133 per month) and ending with the Volkswagen Arteon at $2,034 per year ($170 per month).

    Cheapest Cars to Insure in Phoenix
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,600$133
    Volkswagen JettaCompact$1,766$147
    Subaru LegacyMidsize$1,784$149
    Nissan SentraCompact$1,796$150
    Toyota CorollaCompact$1,820$152
    Volkswagen GolfCompact$1,824$152
    Toyota PriusCompact$1,828$152
    Toyota CamryMidsize$1,840$153
    Mazda 3Compact$1,856$155
    Kia K5Midsize$1,870$156
    Chevrolet MalibuMidsize$1,884$157
    Chrysler 300Full-size$1,890$158
    Honda CivicCompact$1,896$158
    Kia ForteCompact$1,898$158
    Mitsubishi Mirage G4Compact$1,910$159
    Nissan LeafCompact$1,954$163
    Honda AccordMidsize$1,958$163
    Toyota CrownMidsize$1,966$164
    Tesla Model 3Midsize$1,980$165
    Volkswagen ArteonMidsize$2,034$170

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
      Cheapest Cars to Insure in Phoenix

      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 Chevrolet Trailblazer at $1,466 per year, the Subaru Crosstrek at $1,478 per year, and the Nissan Kicks at $1,486 per year.

      Not the cheapest, but still very affordable, are SUVs like the Kia Seltos, Subaru Ascent, Mazda CX-5, and Buick Encore, with an average cost of $1,576 per year or less.

      As a cost per month, auto insurance in this segment for an average middle-age driver starts at around $122 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
      Chevrolet TrailblazerCompact$1,466$122
      Subaru CrosstrekCompact$1,478$123
      Nissan KicksCompact$1,486$124
      Honda PassportMidsize$1,504$125
      Nissan Rogue SportCompact$1,512$126
      Mazda CX-5Compact$1,522$127
      Buick EncoreCompact$1,544$129
      Buick EnvisionCompact$1,548$129
      Kia SeltosCompact$1,570$131
      Subaru AscentMidsize$1,576$131
      Hyundai VenueCompact$1,582$132
      Honda HR-VCompact$1,608$134
      Hyundai KonaCompact$1,624$135
      Subaru ForesterCompact$1,632$136
      Ford EdgeMidsize$1,642$137
      Honda CR-VCompact$1,642$137
      Mazda CX-30Compact$1,646$137
      Ford ExplorerMidsize$1,650$138
      Volkswagen AtlasMidsize$1,654$138
      Chevrolet TraxCompact$1,662$139

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
        Cheapest SUVs to Insure 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 $1,740 per year. Second place is the BMW 330i costing $1,968 per year, and the third most affordable is the Acura TLX, costing an average of $2,000 per year.

        Not the cheapest luxury cars to insure, but still very reasonable, are models like the Lexus ES 250, BMW 228i, Cadillac CT5, and BMW 330e, with average rates of $2,108 per year or less.

        Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Lexus RC 300, Mercedes-Benz C300, Audi A3, Audi A4, and Mercedes-Benz AMG CLA35 cost between $2,108 and $2,166 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 $145 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 $1,740 per year ($145 per month) and ending with the Volvo S60 at $2,166 per year ($181 per month).

        Cheapest Luxury Cars to Insure in Phoenix
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura IntegraCompact$1,740$145
        BMW 330iCompact$1,968$164
        Acura TLXCompact$2,000$167
        Cadillac CT4Compact$2,024$169
        Genesis G70Compact$2,064$172
        Cadillac CT5Midsize$2,086$174
        Lexus ES 350Midsize$2,088$174
        BMW 330eCompact$2,098$175
        Lexus ES 250Midsize$2,104$175
        BMW 228iCompact$2,108$176
        Lexus RC 300Midsize$2,108$176
        Mercedes-Benz AMG CLA35Midsize$2,112$176
        Audi A3Midsize$2,120$177
        BMW 230iCompact$2,124$177
        Mercedes-Benz C300Compact$2,134$178
        Audi A4Compact$2,146$179
        Lexus RC 350Compact$2,148$179
        Audi S3Compact$2,162$180
        Mercedes-Benz AMG CLA45Midsize$2,162$180
        Volvo S60Compact$2,166$181

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
          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 $1,616 per year, the Lexus RX 350 at $1,734 per year, and the Cadillac XT4 at $1,750 per year.

          Additional models that have affordable average insurance rates include the Cadillac XT5, Lexus UX 250h, Mercedes-Benz GLB 250, and Mercedes-Benz GLA250, with average annual insurance rates of $1,886 per year or less.

          In the bottom half of the top 20, models like the Alfa Romeo Tonale, Lexus NX 450h, Lexus NX 350, Acura MDX, Lincoln Corsair, and Mercedes-Benz GLC300 average between $1,886 and $1,974 to insure per year.

          Full-coverage insurance in Phoenix for this segment for an average middle-age driver starts at around $135 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 $1,616 per year. For midsize luxury models, the Lexus RX 350 is cheapest to insure at $1,734 per year. And for large luxury SUV models, the Volvo XC90 has the most affordable rates at $1,998 per year.

          The next table ranks the SUVs with the lowest-cost average insurance rates in Phoenix, starting with the Acura RDX at $1,616 per year ($135 per month) and ending with the Mercedes-Benz GLC300 at $1,974 per year ($165 per month).

          Cheapest Luxury SUVs to Insure in Phoenix
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,616$135
          Lexus RX 350Midsize$1,734$145
          Cadillac XT4Compact$1,750$146
          Volvo XC40Compact$1,782$149
          Infiniti QX50Midsize$1,792$149
          Lexus UX 250hCompact$1,812$151
          Cadillac XT5Midsize$1,840$153
          Mercedes-Benz GLA250Compact$1,880$157
          Cadillac XT6Midsize$1,886$157
          Mercedes-Benz GLB 250Compact$1,886$157
          Lexus NX 250Compact$1,910$159
          Acura MDXMidsize$1,928$161
          Lexus NX 350hCompact$1,934$161
          Lexus NX 350Compact$1,946$162
          Lincoln CorsairCompact$1,948$162
          Lexus NX 450hCompact$1,950$163
          Lincoln NautilusMidsize$1,964$164
          Alfa Romeo TonaleCompact$1,966$164
          BMW X1Compact$1,966$164
          Mercedes-Benz GLC300Compact$1,974$165

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2023 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.Data last updated on December 30, 2022
            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, Subaru WRX, BMW Z4, Audi TT, and Ford Mustang. Auto insurance quotes for these models average $2,136 or less per year.

            Also ranking in the top 10 are cars like the BMW M2, Toyota GR Supra, Toyota GR86, and Nissan Z, with an average car insurance cost of $2,334 per year or less.

            As a cost per month, car insurance rates in this segment for an average middle-age driver starts at around $149 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$1,790$149
            Audi TTSports Car$2,008$167
            Ford MustangSports Car$2,100$175
            BMW Z4Sports Car$2,118$177
            Subaru WRXSports Car$2,136$178
            Nissan ZSports Car$2,174$181
            Toyota GR SupraSports Car$2,208$184
            Toyota GR86Sports Car$2,234$186
            BMW M2Sports Car$2,238$187
            Subaru BRZSports Car$2,334$195
            Chevrolet CorvetteSports Car$2,388$199
            BMW M3Sports Car$2,444$204
            Porsche 718Sports Car$2,492$208
            Lexus RC FSports Car$2,494$208
            Chevrolet CamaroSports Car$2,532$211
            Mercedes-Benz AMG GT53Sports Car$2,688$224
            Jaguar F-TypeSports Car$2,782$232
            Porsche TaycanSports Car$2,842$237
            BMW M4Sports Car$2,878$240
            Lexus LC 500Sports Car$2,912$243

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2023 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.Data last updated on December 29, 2022
              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 Chevrolet Colorado, GMC Canyon, Nissan Frontier, Ford Ranger, and Ford Maverick. Auto insurance quotes for these models average $1,760 or less per year, or around $147 per month.

              Also ranking in the top 10 are models like the Nissan Titan, Toyota Tacoma, Ford F150, and Honda Ridgeline, with an average cost of $1,968 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 $134 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 Ford Maverick at $134 per month and ending with the Nissan Titan XD at $181 per month.

              Cheapest Pickups to Insure in Phoenix
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Ford MaverickMidsize$1,610$134
              Chevrolet ColoradoMidsize$1,612$134
              Nissan FrontierMidsize$1,672$139
              Ford RangerMidsize$1,722$144
              GMC CanyonMidsize$1,760$147
              Toyota TacomaMidsize$1,770$148
              Hyundai Santa CruzMidsize$1,802$150
              Nissan TitanFull-size$1,918$160
              Honda RidgelineMidsize$1,924$160
              Ford F150Full-size$1,968$164
              GMC Sierra 2500 HDHeavy Duty$1,984$165
              Jeep GladiatorMidsize$2,014$168
              Toyota TundraFull-size$2,038$170
              GMC Sierra 3500Heavy Duty$2,046$171
              GMC SierraFull-size$2,116$176
              Ram TruckFull-size$2,116$176
              Chevrolet SilveradoFull-size$2,118$177
              Chevrolet Silverado HD 2500Heavy Duty$2,126$177
              Chevrolet Silverado HD 3500Heavy Duty$2,130$178
              Nissan Titan XDHeavy Duty$2,166$181

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2023 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.Data last updated on December 29, 2022
                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

                The least-expensive 2023 Nissan Sentra trim level to insure in Phoenix is the S model, costing an average of $1,742 per year, or around $145 per month. This trim level has a sticker price of $19,950.

                The most expensive 2022 Nissan Sentra trim level to insure in Phoenix is the SR Midnight Edition, costing an average of $1,842 per year, or about $154 per month. The retail price for this model is $23,395, 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 $154 to $164 cheaper 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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
                Nissan Sentra Insurance Cost in Phoenix
                2023 Nissan Sentra Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,016$335
                Safe Driver Age 20$3,520$293
                At-fault Accidents Age 40$2,528$211
                Low Deductibles Age 40$2,264$189
                Safe Driver Age 30$1,876$156
                Safe Driver Age 40$1,796$150
                Safe Driver Age 50$1,634$136
                Safe Driver Age 60$1,602$134
                High Deductibles Age 40$1,548$129
                Discount Rate Age 40$1,490$124

                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 $1,590 up to $1,726 per year. The lowest-cost model to insure is the $31,110 CR-V EX trim level, while the highest-cost model is the $38,600 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 $142 to $156 cheaper 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 $1,364 to $3,754 per year, which is a price difference of $2,390 per year for insurance on the same vehicle.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
                Honda CR-V Insurance Cost in Phoenix
                2023 Honda CR-V Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,754$313
                Safe Driver Age 20$3,284$274
                At-fault Accidents Age 40$2,326$194
                Low Deductibles Age 40$2,136$178
                Safe Driver Age 30$1,726$144
                Safe Driver Age 40$1,642$137
                Safe Driver Age 50$1,498$125
                Safe Driver Age 60$1,472$123
                High Deductibles Age 40$1,390$116
                Discount Rate Age 40$1,364$114

                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 $1,864 per year, ranging from $1,762 per year on the Pilot Sport trim level up to $1,960 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 $1,548 to $4,260 per year, which is a difference in cost of $2,712.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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.Data last updated on December 29, 2022
                Honda Pilot Insurance Cost in Phoenix
                2023 Honda Pilot Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,260$355
                Safe Driver Age 20$3,728$311
                At-fault Accidents Age 40$2,632$219
                Low Deductibles Age 40$2,454$205
                Safe Driver Age 30$1,968$164
                Safe Driver Age 40$1,864$155
                Safe Driver Age 50$1,698$142
                Safe Driver Age 60$1,668$139
                High Deductibles Age 40$1,562$130
                Discount Rate Age 40$1,548$129

                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 $1,958 per year, ranging from $1,814 per year on the Accord Hybrid trim level (MSRP of $27,720) up to $2,128 per year on the Accord Touring trim level (MSRP of $38,450).

                When Phoenix auto insurance rates on a Honda Accord are compared with the overall national average cost on the same vehicle, rates are $164 to $192 less 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 $1,624 to $4,470 per year, which is a difference in cost of $2,846 to insure the same vehicle with different rated drivers.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2023 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.Data last updated on December 30, 2022
                Honda Accord Insurance Cost in Phoenix
                2023 Honda Accord Insurance Cost in Phoenix, AZ
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,470$373
                Safe Driver Age 20$3,914$326
                At-fault Accidents Age 40$2,768$231
                Low Deductibles Age 40$2,566$214
                Safe Driver Age 30$2,064$172
                Safe Driver Age 40$1,958$163
                Safe Driver Age 50$1,782$149
                Safe Driver Age 60$1,752$146
                High Deductibles Age 40$1,646$137
                Discount Rate Age 40$1,624$135

                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 $58 and $196 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 $2,128 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 $328 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 $304 per year versus a decent credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $352 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.