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 $1,748 per year, which is 11.6% more than the national average rate of $1,567.
  • Auto insurance rates for a few popular vehicles in Phoenix include the Chevrolet Silverado at $157 per month, Ford Escape at $144, and Ford F150 at $141.
  • Vehicles like the Toyota C-HR, Subaru Crosstrek, Chevrolet Trailblazer, 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 ($1,406 per year), Ford F150 ($1,692 per year), Chevrolet Colorado ($1,440 per year), and Mercedes-Benz A220 ($1,720 per year).

How much is car insurance in Phoenix?

The average cost to insure a vehicle in Phoenix is $1,748 per year, which is 11.6% more than the national average rate of $1,567. The average monthly cost of car insurance in Phoenix is $146 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 $392 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, $254 per year more than in Chandler, and $246 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 2022 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 September 8, 2022
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$3,962$330
Safe Driver Age 20$3,472$289
At-fault Accidents Age 40$2,466$206
Low Deductibles Age 40$2,272$189
Safe Driver Age 30$1,840$153
Safe Driver Age 40$1,748$146
Safe Driver Age 50$1,592$133
Safe Driver Age 60$1,562$130
High Deductibles Age 40$1,480$123
Discount Rate Age 40$1,452$121

Average rates in the chart above range from $1,452 per year for a middle-aged driver who qualifies for a great discount rate to $3,962 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 $1,748 per year.

As a monthly rate, car insurance cost in Phoenix ranges from $121 to $330 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 – $6,266 per year or $522 per month
  • 17-year-old driver – $5,852 per year or $488 per month
  • 18-year-old driver – $5,466 per year or $456 per month
  • 19-year-old driver – $4,944 per year or $412 per month
  • 20-year-old driver – $3,472 per year or $289 per month
  • 30-year-old driver – $1,840 per year or $153 per month
  • 40-year-old driver – $1,748 per year or $146 per month
  • 50-year-old driver – $1,592 per year or $133 per month
  • 60-year-old driver – $1,562 per year or $130 per month

The auto insurance rates mentioned up to this point consist of an average based on every 2022 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 $1,870 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 $538 more per year for $250 physical damage deductibles versus $1,000.
  • Average car insurance cost per month ranges from $128 to $512 – 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 – $1,748 (Phoenix average) versus $1,356 (Arizona average)
  • Phoenix car insurance cost is more than the U.S. average – $1,748 (Phoenix average) versus $1,567 (U.S. average)
  • Insuring a teenager is expensive – Average rates range from $4,396 to $6,266 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 $1,596 less per year than a 20-year-old driver, $1,804 compared to $3,400.

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 Nissan Kicks, Mazda CX-5, and Buick Encore.

Average car insurance rates for those vehicles cost $122 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, Subaru Ascent, Mazda MX-5 Miata, and Toyota Corolla Cross.

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 $1,520 or less per year ($127 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-5$1,332$111
2Nissan Kicks$1,364$114
3Chevrolet Trailblazer$1,374$115
4Honda Passport$1,406$117
5Subaru Crosstrek$1,406$117
6Chevrolet Colorado$1,440$120
7Toyota C-HR$1,440$120
8Buick Encore$1,446$121
9Nissan Rogue Sport$1,460$122
10Hyundai Venue$1,486$124
11Buick Envision$1,490$124
12Kia Seltos$1,490$124
13Ford Maverick$1,496$125
14Acura RDX$1,500$125
15Subaru Ascent$1,502$125
16Toyota Corolla Cross$1,502$125
17Hyundai Kona$1,512$126
18Mazda MX-5 Miata$1,516$126
19Subaru Forester$1,516$126
20Subaru Impreza$1,518$127
21Volkswagen Tiguan$1,520$127
22Chevrolet Spark$1,528$127
23Honda CR-V$1,534$128
24Cadillac XT4$1,536$128
25Mazda CX-30$1,548$129
26Ford Ranger$1,556$130
27Honda HR-V$1,574$131
28Ford Edge$1,578$132
29Ford Ecosport$1,586$132
30Subaru Outback$1,604$134

    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 September 8, 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 2022 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 September 8, 2022
    Phoenix Car Insurance Rates by Vehicle Segment
    Phoenix Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,636$136
    Midsize Pickup$1,680$140
    Minivan$1,762$147
    Midsize SUV$1,770$148
    Compact Car$1,800$150
    Midsize Car$1,824$152
    Half-ton Pickup$1,902$159
    Compact Luxury SUV$1,964$164
    Large SUV$1,974$165
    Compact Luxury Car$1,988$166
    Large Car$2,024$169
    Heavy Duty Pickup$2,088$174
    Midsize Luxury SUV$2,112$176
    Midsize Luxury Car$2,316$193
    Sports Car$2,470$206
    Large Luxury SUV$2,640$220
    Large Luxury Car$2,766$231

    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 $1,612 per year up to the BMW M5 costing $3,028 per year.

    For another example, in the sports car segment, insurance rates range from the Mazda MX-5 Miata costing $1,516 per year to the Nissan GT-R at $3,624 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 $1,518 per year. Second place is the Chevrolet Spark at $1,528 per year, coming in third is the Volkswagen Golf, costing an average of $1,680 per year, and ranking fourth is the Subaru Legacy, at an average of $1,696 per year.

    Not the cheapest, but still in the top 10, are models like the Toyota Camry, Nissan Sentra, Kia K5, and Honda Insight, with average rates of $1,720 per year or less.

    Ranked in the lower half of the top 20, models like the Chevrolet Malibu, Kia Rio, Kia Forte, Mazda 3, and Toyota Prius cost between $1,720 and $1,818 to insure per year.

    Full-coverage auto insurance in Phoenix for this segment will start around $127 per month, depending on your location.

    The cheapest compact car to insure in Phoenix is the Subaru Impreza at $1,518 per year. For midsize models, the Subaru Legacy is the cheapest model to insure at $1,696 per year. And for full-size cars, the Toyota Avalon is the cheapest model to insure at $1,838 per year.

    The rate comparison table below ranks the cars with the lowest-cost car insurance in Phoenix, starting with the Subaru Impreza at $1,518 per year ($127 per month) and ending with the Chevrolet Malibu at $1,818 per year ($152 per month).

    Cheapest Cars to Insure in Phoenix
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,518$127
    Chevrolet SparkCompact$1,528$127
    Volkswagen GolfCompact$1,680$140
    Subaru LegacyMidsize$1,696$141
    Honda InsightMidsize$1,702$142
    Volkswagen JettaCompact$1,702$142
    Nissan SentraCompact$1,708$142
    Kia K5Midsize$1,720$143
    Toyota CamryMidsize$1,720$143
    Toyota CorollaCompact$1,720$143
    Kia RioCompact$1,726$144
    Volkswagen PassatMidsize$1,730$144
    Honda CivicCompact$1,732$144
    Mazda 3Compact$1,742$145
    Mazda 6Midsize$1,744$145
    Toyota PriusCompact$1,748$146
    Hyundai AccentCompact$1,768$147
    Hyundai VelosterCompact$1,790$149
    Kia ForteCompact$1,792$149
    Chevrolet MalibuMidsize$1,818$152

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 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 September 8, 2022
      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 $1,994 per year to insure ($166 per month), the Hyundai Elantra costs $1,976 ($165 per month), and the Tesla Model 3 costs an average of $1,838 ($153 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-5 at $1,332 per year, the Nissan Kicks at $1,364 per year, and the Chevrolet Trailblazer at $1,374 per year.

      Not the cheapest, but still very affordable, are SUVs like the Hyundai Venue, Buick Envision, Toyota C-HR, and Buick Encore, with an average cost of $1,490 per year or less.

      As a cost per month, auto insurance in this segment for an average middle-age driver starts at around $111 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-5Compact$1,332$111
      Nissan KicksCompact$1,364$114
      Chevrolet TrailblazerCompact$1,374$115
      Honda PassportMidsize$1,406$117
      Subaru CrosstrekCompact$1,406$117
      Toyota C-HRCompact$1,440$120
      Buick EncoreCompact$1,446$121
      Nissan Rogue SportCompact$1,460$122
      Hyundai VenueCompact$1,486$124
      Buick EnvisionCompact$1,490$124
      Kia SeltosCompact$1,490$124
      Subaru AscentMidsize$1,502$125
      Toyota Corolla CrossCompact$1,502$125
      Hyundai KonaCompact$1,512$126
      Subaru ForesterCompact$1,516$126
      Volkswagen TiguanCompact$1,520$127
      Honda CR-VCompact$1,534$128
      Mazda CX-30Compact$1,548$129
      Honda HR-VCompact$1,574$131
      Ford EdgeMidsize$1,578$132

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 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 September 8, 2022
        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 $1,644 per year, the Chevrolet Traverse at an average of $1,804, and the Toyota Highlander at $1,760.

        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 $1,612 per year. Second place is the Mercedes-Benz A220 costing $1,720 per year, and the third most affordable is the BMW 330i, costing an average of $1,850 per year.

        Not the cheapest luxury cars to insure, but still very reasonable, are models like the Lexus RC 300, Alfa Romeo Giulia, BMW 330e, and BMW 230i, with average rates of $1,942 per year or less.

        Ranked in the bottom half of the top 20 cheapest luxury cars to insure, models like the Cadillac CT4, BMW i4, Genesis G70, Cadillac CT5, and Lexus RC 350 cost between $1,942 and $2,032 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 $134 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 $1,612 per year ($134 per month) and ending with the Audi S3 at $2,032 per year ($169 per month).

        Cheapest Luxury Cars to Insure in Phoenix
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,612$134
        Mercedes-Benz A220Compact$1,720$143
        BMW 330iCompact$1,850$154
        Acura TLXCompact$1,862$155
        Volvo S60Compact$1,876$156
        BMW 330eCompact$1,886$157
        BMW 228iCompact$1,894$158
        BMW 230iCompact$1,908$159
        Lexus RC 300Midsize$1,940$162
        Alfa Romeo GiuliaCompact$1,942$162
        Cadillac CT4Compact$1,944$162
        Lexus RC 350Compact$1,950$163
        Genesis G70Compact$1,976$165
        Mercedes-Benz AMG CLA35Midsize$1,986$166
        BMW i4Midsize$1,998$167
        Cadillac CT5Midsize$2,004$167
        Audi A3Midsize$2,026$169
        Audi A4Compact$2,028$169
        Audi S3Compact$2,032$169
        Mercedes-Benz AMG CLA45Midsize$2,032$169

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 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 September 8, 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 $1,500 per year, the Cadillac XT4 at $1,536 per year, and the Volvo XC40 at $1,684 per year.

          Additional models that have affordable average insurance rates include the Lexus NX 350h, BMW X1, Lexus UX 200, and Lexus UX 250h, with average annual insurance rates of $1,790 per year or less.

          In the bottom half of the top 20, models like the Infiniti QX50, Mercedes-Benz GLB 250, Lincoln Nautilus, Lexus RX 350, Lexus NX 450h, and Lincoln Corsair average between $1,790 and $1,854 to insure per year.

          Full-coverage insurance in Phoenix for this segment for an average middle-age driver starts at around $125 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 $1,500 per year. For midsize luxury models, the Cadillac XT5 is cheapest to insure at $1,722 per year. And for large luxury SUV models, the Volvo XC90 has the most affordable rates at $1,894 per year.

          The next table ranks the SUVs with the lowest-cost average insurance rates in Phoenix, starting with the Acura RDX at $1,500 per year ($125 per month) and ending with the Lincoln Corsair at $1,854 per year ($155 per month).

          Cheapest Luxury SUVs to Insure in Phoenix
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,500$125
          Cadillac XT4Compact$1,536$128
          Volvo XC40Compact$1,684$140
          Cadillac XT5Midsize$1,722$144
          Lexus NX 250Compact$1,740$145
          BMW X1Compact$1,744$145
          Lexus NX 350hCompact$1,752$146
          Lexus UX 250hCompact$1,756$146
          Lexus NX 350Compact$1,784$149
          Lexus UX 200Compact$1,790$149
          Jaguar E-PaceMidsize$1,794$150
          Lexus RX 350Midsize$1,802$150
          Acura MDXMidsize$1,812$151
          Lincoln NautilusMidsize$1,828$152
          Lexus NX 450hCompact$1,834$153
          Mercedes-Benz GLB 250Compact$1,840$153
          Lexus RX 450hMidsize$1,842$154
          Infiniti QX50Midsize$1,850$154
          Land Rover EvoqueCompact$1,852$154
          Lincoln CorsairCompact$1,854$155

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 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 September 8, 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, Toyota GR86, Subaru WRX, Ford Mustang, and BMW Z4. Auto insurance quotes for these models average $2,040 or less per year.

            Also ranking in the top 10 are cars like the Chevrolet Corvette, Audi TT, Subaru BRZ, and Toyota GR Supra, with an average car insurance cost of $2,268 per year or less.

            As a cost per month, car insurance rates in this segment for an average middle-age driver starts at around $126 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$1,516$126
            Ford MustangSports Car$1,844$154
            BMW Z4Sports Car$1,884$157
            Subaru WRXSports Car$1,992$166
            Toyota GR86Sports Car$2,040$170
            Toyota GR SupraSports Car$2,088$174
            Audi TTSports Car$2,134$178
            Subaru BRZSports Car$2,194$183
            Chevrolet CorvetteSports Car$2,202$184
            BMW M3Sports Car$2,268$189
            Porsche 718Sports Car$2,366$197
            Chevrolet CamaroSports Car$2,424$202
            Lexus RC FSports Car$2,484$207
            Dodge ChallengerSports Car$2,492$208
            Mercedes-Benz AMG GT53Sports Car$2,528$211
            Jaguar F-TypeSports Car$2,646$221
            Porsche TaycanSports Car$2,714$226
            Porsche 911Sports Car$2,780$232
            BMW M4Sports Car$2,788$232
            Lexus LC 500Sports Car$2,884$240

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 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 September 8, 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 Ford Maverick, Nissan Frontier, Ford Ranger, Toyota Tacoma, and Chevrolet Colorado. Auto insurance quotes for these models average $1,666 or less per year, or around $139 per month.

              Also ranking in the top 10 are models like the Ford F150, Hyundai Santa Cruz, Jeep Gladiator, and Honda Ridgeline, with an average cost of $1,722 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 $120 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 $120 per month and ending with the GMC Sierra 3500 at $172 per month.

              Cheapest Pickups to Insure in Phoenix
              Make/Model Vehicle Size Annual Cost Monthly Cost
              Chevrolet ColoradoMidsize$1,440$120
              Ford MaverickMidsize$1,496$125
              Ford RangerMidsize$1,556$130
              Toyota TacomaMidsize$1,624$135
              Nissan FrontierMidsize$1,666$139
              Hyundai Santa CruzMidsize$1,682$140
              GMC CanyonMidsize$1,686$141
              Ford F150Full-size$1,692$141
              Honda RidgelineMidsize$1,704$142
              Jeep GladiatorMidsize$1,722$144
              GMC SierraFull-size$1,784$149
              Nissan TitanFull-size$1,850$154
              Chevrolet SilveradoFull-size$1,880$157
              Toyota TundraFull-size$1,884$157
              Ford F350 Super DutyHeavy Duty$1,902$159
              Chevrolet Silverado HD 3500Heavy Duty$1,916$160
              Nissan Titan XDHeavy Duty$1,966$164
              Ram TruckFull-size$1,998$167
              GMC Sierra 2500 HDHeavy Duty$2,044$170
              GMC Sierra 3500Heavy Duty$2,058$172

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 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 September 8, 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 2022 Nissan Sentra trim level to insure in Phoenix is the S model, costing an average of $1,640 per year, or around $137 per month. This trim level has a sticker price of $19,510.

                The most expensive 2022 Nissan Sentra trim level to insure in Phoenix is the SR Premium, costing an average of $1,786 per year, or about $149 per month. The retail price for this model is $24,570, 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 $210 to $230 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 2022 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 September 8, 2022
                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$3,818$318
                Safe Driver Age 20$3,346$279
                At-fault Accidents Age 40$2,404$200
                Low Deductibles Age 40$2,156$180
                Safe Driver Age 30$1,784$149
                Safe Driver Age 40$1,708$142
                Safe Driver Age 50$1,554$130
                Safe Driver Age 60$1,522$127
                High Deductibles Age 40$1,472$123
                Discount Rate Age 40$1,418$118

                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 $1,442 up to $1,636 per year. The lowest-cost model to insure is the $26,400 CR-V LX trim level, while the highest-cost model is the $37,400 CR-V Hybrid Touring.

                When Phoenix car insurance quotes for the Honda CR-V are compared with the national average cost for the same model, the cost is $186 to $212 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 $1,274 to $3,492 per year, which is a price difference of $2,218 per year for insurance on the same vehicle.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 September 8, 2022
                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$3,492$291
                Safe Driver Age 20$3,056$255
                At-fault Accidents Age 40$2,168$181
                Low Deductibles Age 40$1,988$166
                Safe Driver Age 30$1,612$134
                Safe Driver Age 40$1,534$128
                Safe Driver Age 50$1,398$117
                Safe Driver Age 60$1,372$114
                High Deductibles Age 40$1,298$108
                Discount Rate Age 40$1,274$106

                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 $1,776 per year, ranging from $1,658 per year on the Pilot Sport trim level up to $1,872 per year on the Pilot Black Edition 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 $1,474 to $4,056 per year, which is a difference in cost of $2,582.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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 September 8, 2022
                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$4,056$338
                Safe Driver Age 20$3,550$296
                At-fault Accidents Age 40$2,506$209
                Low Deductibles Age 40$2,342$195
                Safe Driver Age 30$1,876$156
                Safe Driver Age 40$1,776$148
                Safe Driver Age 50$1,618$135
                Safe Driver Age 60$1,588$132
                High Deductibles Age 40$1,486$124
                Discount Rate Age 40$1,474$123

                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 $1,824 per year, ranging from $1,674 per year on the Accord Hybrid trim level (MSRP of $27,320) up to $2,014 per year on the Accord Touring trim level (MSRP of $38,050).

                When Phoenix auto insurance rates on a Honda Accord are compared with the overall national average cost on the same vehicle, rates are $216 to $262 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 $1,516 to $4,172 per year, which is a difference in cost of $2,656 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 2022 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 September 8, 2022
                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$4,172$348
                Safe Driver Age 20$3,652$304
                At-fault Accidents Age 40$2,586$216
                Low Deductibles Age 40$2,388$199
                Safe Driver Age 30$1,926$161
                Safe Driver Age 40$1,824$152
                Safe Driver Age 50$1,662$139
                Safe Driver Age 60$1,634$136
                High Deductibles Age 40$1,538$128
                Discount Rate Age 40$1,516$126

                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 $52 and $183 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 $2,076 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 $296 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 $274 per year versus a decent credit rating of 670-739. Conversely, a not-so-perfect credit rating could cost around $318 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.