Arizona is home to approximately 5.4 million drivers licensed. Phoenix, the capital, contributes significantly to this number. In 2019, Arizona had almost 2% more fatal car accidents than it did in 2018. According to Bankrate’s 2021 study on annual premiums, car insurance costs in Phoenix are $737 for minimum coverage and $1904 for complete coverage. Although Phoenix’s traffic is better than in other cities, the cost of car insurance here can be quite high. It is possible to find affordable and adequate car insurance in Phoenix by carefully evaluating multiple providers.
Phoenix’s best car insurance companies
These top auto insurance companies provide the best Phoenix car insurance. These companies were evaluated based on customer satisfaction ratings and average premiums. You have the choice of coverage and power.
Geico
Geico does not sacrifice customer service for low premiums. Geico was the lowest priced car insurance in Phoenix when we looked at average rates. J.D. also rated it second in customer satisfaction. Power’s customer satisfaction ratings.
Mercury
Mercury provides Phoenix car insurance at affordable premiums to all drivers. You’ll also get affordable coverage and guaranteed repairs as long you keep the vehicle in good condition.
You can save money on your car insurance if your driving is limited to errands in Phoenix. To earn savings, you will need to verify how many miles you drive each year. However, it is well worth the effort.
USAA
USAA’s car insurance is for active, retired, or honorably discharged military personnel and their families. It is one of few insurance companies that provides coverage for drivers and vehicles overseas.
All over the country
Nationwide is a great option for Phoenix drivers who want to maximize their savings. There are many ways to save money on your car insurance. You can get discounts if you’re not in an accident or enroll in a program that monitors your driving habits to determine your safety. Vanishing deductible will also discount $100 (upto $300) for each year that you avoid an accident.
Travelers
Travelers insurance offers affordable coverages that other companies might not be able to offer. Travelers is a good choice if you are looking for full coverage for your newer model or financed car. Travelers offers comprehensive, liability, collision, and comprehensive insurance as well as rental car and gap insurance.
Phoenix has the lowest car insurance
Arizona’s average annual car insurance cost is $502 for basic insurance and $1,587 full insurance. Geico Insurance and Mercury Insurance were both cheaper. USAA, Nationwide and Travelers were both more expensive than average for basic coverage, but cheaper than average to insure full-time.
Mercury and Geico are low-cost insurance companies that will work with drivers who might be high-risk and difficult to insure. USAA is affordable, and customers love it. To become a member, you will need to prove that you are or were a military personnel.
Both Nationwide and Travelers offer policyholders a variety of optional insurance add ons, such as rideshare or gap insurance.
Phoenix insurance requirements
Arizona has a minimum requirement of liability insurance that is:
- $25,000 per person for bodily injury
- $50,000 for bodily injury to two or more people per accident
- $15,000 for property damage coverage
Insurance companies have to report policyholders who allow their insurance to lapse. Your license could be suspended if you don’t have the minimum car insurance.
Although it is the cheapest insurance, minimum coverage doesn’t cover any damage to your vehicle. You will likely need full coverage if you lease or finance your vehicle.
Phoenix car insurance discounts
Phoenix drivers who insure multiple vehicles can save the most on their car insurance. You can also sign up for the telematics program to receive the best car insurance Phoenix. After you sign up and download the app, it will track your driving habits to determine how safe a driver is (and how much to give back to get a discount).
Additional discounts are available for Phoenix vehicle owners:
- Good student
- Anti-theft
- New vehicle
- Safe driver
Questions frequently asked
Which is the best auto insurance company?
There are many candidates for the best auto insurance company. It all depends on what you need. Get quotes from affordable insurances such as Geico, Mercury and Nationwide to find the best car insurance Phoenix.
What is the cost of Phoenix car insurance?
Geico was the best-rated Phoenix car insurance company, according to our research. You can expect to pay $417 for minimum coverage and $1,068 for complete coverage. It is lower than the average car insurance cost for many states.
What amount of Phoenix car insurance do you need?
Arizona mandates that all drivers carry minimum liability insurance. These amounts include $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage coverage.
