Is car insurance more expensive in Phoenix?

The annual average car insurance rate in Phoenix is $1,430. This is 11.4% higher than the average rate in the state of Arizona, with Glendale next at $1,412, and Chandler and Gilbert the lowest at $1,195.

How much is car insurance in Phoenix?

Average Phoenix Car Insurance Rates

The average cost of insurance coverage in Phoenix is $1,126 a year for men and $1,178 for women. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Is car insurance more expensive in Arizona?

The typical annual car insurance rate in Arizona is $349 less expensive than the average expense in California. The exact cost may vary, depending on your coverage level, driving and insurance history, and your auto insurance company.


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City Average Annual Rate
Glendale $1,202

Why is car insurance so expensive in Phoenix?

Car insurance in Arizona is expensive because the state has higher than average traffic fatalities, with 1.4 deaths per 100 million miles driven (compared to the national average of 1.1).

How much is the average car insurance in Arizona?

How much is car insurance in Arizona? Arizona drivers can expect to pay an average of $555 annually for minimum coverage and $1,547 annually for full coverage. While many states pay significantly more for car insurance, it is possible for Arizonians to pay less— if they do their homework.

Who has the cheapest car insurance in Phoenix Arizona?

The Cheapest Car Insurance Companies in Phoenix

For many drivers, the best car insurance company is the least expensive for their needs. The most affordable car insurance company in Phoenix, Arizona, is USAA, with an average annual premium of $845.

Who has the cheapest car insurance in AZ?

Best Cheap Car Insurance in Arizona for 2021

Cheapest Car Insurance Company Overall in Arizona for May 2021
Travelers $115/month 4.5 NerdWallet rating
Geico $29/month 4.5 NerdWallet rating
Cheapest for Young Drivers
CSAA $53/month 3.5 NerdWallet rating

Who has the best car insurance rates in Arizona?

According to ValuePenguin, an Arizona driver who has a low credit score pays an average annual premium of $3977 a year for auto insurance.

Arizona Auto Insurance Premiums by Credit Tier

  • Allstate: $4096.
  • CSAA: $7340.
  • Farmers Insurance: $3717.
  • GEICO: $2323.
  • The Hartford: $4471.
  • Progressive: $2544.
  • State Farm: $4586.
  • USAA: $2738.
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Is Arizona a no fault car insurance state?

Arizona is a fault-based insurance system. This means that in Arizona, the one who is responsible for causing a car accident is also responsible for paying for the damages.

What is the minimum car insurance coverage in Arizona?

Arizona requires drivers to have car insurance that meets or exceeds the following minimum coverage levels: Bodily injury liability coverage: Minimum $25,000 per person / $50,000 per accident. Property damage liability coverage: Minimum $15,000.

Where is the cheapest state to buy a car?

Overall, New Hampshire is the cheapest state to buy a car, since registration fees are low and sales tax non-existent. Florida is the second cheapest state to buy a car, and the state has a wonderful inventory. In fact, cars cost around ten percent less than the average.

What makes car insurance so expensive?

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

How do I get cheap car insurance?

  1. Use an auto insurance comparison website to compare quotes.
  2. Understand the factors that affect your insurance premium.
  3. Consider your liability-coverage limits.
  4. Think about raising your deductible.
  5. If you have an older vehicle, consider skipping comprehensive and collision coverage.
  6. Claim your car insurance discounts.

Is it mandatory to have car insurance in Arizona?

Mandatory Insurance

Arizona requires that every motor vehicle operated on roads in the state be covered by liability insurance through a company that is authorized to do business in Arizona. This includes golf carts, motorcycles and mopeds.

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Who has the cheapest full coverage insurance?

The Cheapest Full Coverage Car Insurance Companies by State

MoneyGeek found that GEICO, the cheapest company for full coverage nationally, is also most likely to be the cheapest on average in your state. It had the lowest rates in 24 of the 50 states plus Washington D.C.

What is a fair price for car insurance?

The national average cost of car insurance is $1,592 per year, according to NerdWallet’s 2021 rate analysis. That works out to an average car insurance rate of about $133 per month. But that’s just for a good driver with good credit — rates vary widely depending on your history.

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