Phoenix, AZ Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Phoenix, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance premiums for Phoenix, AZ, differ by More Than $560 depending on your driving record and background
Zimlon's analysis of car insurance policies for Phoenix, AZ, revealed that the cheapest half-yearly premium at $475 is for 81-year-old single women with a clean driving record in the last 3 years. On the other hand, the most expensive half-yearly car insurance premium is for a family with a 17-year-old son and a clean driving record, starting at $1,035. For this comparison, Zimlon examined data from the 2017 Premium Comparison and Complaint Ratios for Automobile Insurance record from the Arizona Department of Insurance. The coverage type chosen for this analysis is for the state minimum standard with a combined single limit of $40,000 or split limits of $15,000, a bodily injury liability of $30,000, and property damage liability of $10,000.
Zimlon conducted this analysis per population cohorts and found that the most expensive premiums tend to be for a family with a 17-year-old son and a clean driving record, at $11,187. The second most expensive premium is paid by 18-year-old unmarried men with a clean driving record, at $9,443.
The cheapest premiums tend to be offered to 41-year-old unmarried women with a clean driving record. The most expensive premium for this cohort is $3,204, which is the lowest among all cohorts. The next cheapest premium is available to 81-year-old married women, at $3,710.
The biggest difference between the 75th and 25th percentile of insurance premiums is for a family with a 17-year-old son, at 49.02%. This is followed by 18-year-old unmarried men at 41.4% and 18-year-old unmarried women at 38.6%.
The following chart presents a comparison of prices for each cohort.
The table below lists the prices for each cohort along with the companies offering them.
| Cohort | Cheapest Car Insurance Premiums in Phoenix, AZ | Most Expensive Car Insurance Premiums in Phoenix, AZ | Median Car Insurance Premiums in Phoenix, AZ | 25th Percentile of Car Insurance Premiums in Phoenix, AZ | 75th Percentile of Car Insurance Premiums in Phoenix, AZ | Dollar Difference between 25th and 75th Percentiles | Percentage Difference between 25th and 75th Percentiles |
|---|---|---|---|---|---|---|---|
| 18-year-old Unmarried Men with a Clean Driving Record in the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($984) | PERMANENT GENERAL ASSURANCE CORPORATION ($9,443) | OMNI INSURANCE COMPANY ($3,596) | INFINITY SAFEGUARD INSURANCE COMPANY ($2,714) | YOUNG AMERICA INSURANCE COMPANY ($4,632) | $1,918 | 41.4% |
| 18-year-old Unmarried Woman with a Clean Driving Record in the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($884) | PERMANENT GENERAL ASSURANCE ($7,083) | CENTRAL MUTUAL INSURANCE COMPANY ($2,982) | INFINITY SAFEGUARD INSURANCE COMPANY ($2,300) | RESPONSE INSURANCE COMPANY ($3,747) | $1,447 | 38.6% |
| 42-year-old Married Couple with a Clean Driving Record in the Last 3 Years | GEICO CASUALTY COMPANY ($762) | PERMANENT GENERAL ASSURANCE ($5,184) | COUNTRY PREFERRED INSURANCE COMPANY ($1,680) | MAPFRE INSURANCE COMPANY ($1,366) | AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS ($2,020) | $654 | 32.5% |
| 42 year-old Married Couple with One At-Fault Accident in the Last 3 Years | STATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY ($944) | PERMANENT GENERAL ASSURANCE ($7,296) | STILLWATER INSURANCE COMPANY ($2,340) | BADGER MUTUAL INSURANCE COMPANY ($1,839) | AMERICAN ACCESS CASUALTY COMPANY ($2,749) | $910 | 33.1% |
| 81-ear old Single Woman with a Clean Driving Record in the Last 3 Years | EMPLOYERS MUTUAL CASUALTY COMPANY ($475) | PERMANENT GENERAL ASSURANCE CORPORATION ($3,710) | HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY ($1,294) | FEDERAL INSURANCE COMPANY ($896) | LOYA INSURANCE COMPANY ($1,738) | $842 | 48.4% |
| 41-year old Unmarried Woman with a Clean Driving Record in the Last 3 Years | STATE AUTO PROPERTY & CASUALTY ($516) | PERMANENT GENERAL ASSURANCE CORPORATION ($3,204) | COAST NATIONAL INSURANCE COMPANY ($1,078) | HORACE MANN INSURANCE COMPANY ($843) | SAFECO INSURANCE COMPANY OF AMERICA ($1,307) | $464 | 35.5% |
| Family with a 17-year-old Son | UNITED SERVICES AUTOMOBILE ASSOCIATION ($1,035) | PERMANENT GENERAL ASSURANCE CORPORATION ($11,887) | BANKERS STANDARD INSURANCE COMPANY ($2,974) | HORACE MANN INSURANCE COMPANY ($2,191) | CENTRAL MUTUAL INSURANCE COMPANY ($4,298) | $2,107 | 49.02% |
Factors that can influence the cost of car insurance in Phoenix, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Phoenix, AZ Auto Insurance Rates
- Phoenix, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Phoenix, AZ
- Multi Vehicle Insurance Savings in Phoenix, AZ
- How Credit Score Affects Car Insurance Rates in Phoenix, AZ
- How DUI Affects Auto Insurance Premiums in Phoenix, AZ
- Top Auto Insurance Agents Near Phoenix, AZ
- How Driving Violations Affect Auto Insurance Rates in Phoenix, AZ
- Phoenix, AZ Auto Insurance Discounts on Anti Theft Feature
- Phoenix, AZ Auto Insurance Company Reviews
Phoenix, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Phoenix, AZ with that of other cities in and around Phoenix.
| Phoenix | Guadalupe | Glendale | Tempe | Tolleson | Scottsdale | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,296 | $1,281 | $1,271 | $1,094 | $1,323 | $987 |
Phoenix, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Phoenix, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Phoenix | $1,175 | $993 |
| Paradise Valley | $2,271 | $1,918 |
| Glendale | $1,125 | $950 |
| Tempe | $1,415 | $1,195 |
| Guadalupe | $1,606 | $1,356 |
| Tolleson | $1,666 | $1,407 |
| Scottsdale | $1,712 | $1,446 |
| Maricopa Colony | $1,373 | $1,160 |
Phoenix, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Phoenix, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,205 |
| 20 Years | $1,665 |
| 30 Years | $1,283 |
| 40 Years | $1,234 |
| 50 Years | $1,143 |
| 60 Years | $1,159 |
| 70 Years | $1,349 |
Phoenix, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Phoenix, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,203 | $389 |
| 3 Vehicles | $3,305 | $583 |
| 4 Vehicles | $4,406 | $778 |
Savings on 2 Vehicles bundle:$389
Savings on 3 Vehicles bundle:$583
Savings on 4 Vehicles bundle:$778
Phoenix, AZ Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Phoenix, AZ.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Phoenix | $1,296 | $2,569 |
| Paradise Valley | $2,189 | $4,339 |
| Glendale | $1,271 | $2,519 |
| Tempe | $1,094 | $2,169 |
| Guadalupe | $1,281 | $2,539 |
| Tolleson | $1,323 | $2,623 |
| Scottsdale | $987 | $1,956 |
| Maricopa Colony | $1,283 | $2,543 |
Phoenix, AZ Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,112 |
| Excellent (740-799) | $1,269 |
| Good (670-739) | $1,350 |
| Average (580-669) | $1,762 |
| Poor (300-579) | $2,114 |
Phoenix, AZ Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Robert Ramos | Allstate | 1831 E Camelback Rd, Phoenix, 85016 | (602) 753-3200 |
| Athena Marie | State Farm | 8170 N 86th Pl Ste 105, Scottsdale, 85258-4362 | 480-398-1266 |
| Insurance Advantage Group Llc | None | 3434 E Indian School Rd, Phoenix, 85018 | (602) 396-4516 |
| Aims Insurance Program Managers Inc | Liberty Mutual Independent | 3608 N SCOTTSDALE RD, SCOTTSDALE, 85251 | (602) 635-4848 |
| Farmer Woods Group | Travelers | 919 N 1St St, Phoenix, 85004 | None |
| Generations United, Dba: Business Insurance Services | None | 11811 N Tatum Blvd Ste 1003, Phoenix, 85028 | None |
| Cobiz Insurance, Inc. | None | 2600 N Central Ave Ste 1950, Phoenix, 85004 | None |
| New Vision Ins Solutions Llc | Travelers | 617 N SCOTTSDALE RD STE B, SCOTTSDALE, 85257 | 480-941-0017 |
| P.J. Halloran Insurance Agency, Inc. | None | 2501 N 7Th St, Phoenix, 85006 | None |
| Art Stine | State Farm | 13825 N 7th Street, Phoenix, 85022-4342 | 602-866-7900 |
Phoenix, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$57 | $1,353 |
| Driver's Failure In Showing Documents | +$126 | $1,422 |
| Driving With An Expired Registration | +$133 | $1,429 |
| Driving At A Considerably Slow Pace | +$281 | $1,577 |
| Using A Cellphone While Driving | +$297 | $1,593 |
| Running A Red Light | +$302 | $1,598 |
| Speeding | +$318 | $1,614 |
| Driving A Vehicle Without The Required Permission | +$403 | $1,699 |
| Driving With An Expired/Suspended License | +$874 | $2,170 |
Phoenix, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,244 |
| Active Disabling Device | $1,244 |
| Tracking Device | $1,218 |
| Passive Disabling Device | $1,205 |
Latest Auto Insurance Reviews in Phoenix, AZ | Back to Top
UsaaI have low copays and deductibles, i pay slightly higher premiums but its worth it to know i can come up with 500$ easier than 1000$. I also have it stacked.
UsaaI'm satisfied with them in this area, we have home and auto bundled so that helps with the lower rate, plus quite a few discounts were offered to us.
State Farmthere offerings are way higher then other companies in my area I'm going to be switching to another company because of this.
GeicoTheir customer service is pretty good. I have no complaints against them.
ProgressiveIt looks like all companies are the same with what they offer, except for "scam" insurance companies. Progressive seems to offer the most for the least amount of money.
NationwideI recommend for all that i said & like nationwide, they have great customer service, always happy whenever we call anytime. They help us with any questions that we may have.
MercuryWell of course I would like to be able to pay lower, who wouldn't but I can't complain too much. I have a high risk driver on my policy, but also a new driver. So the expenses are too high, but there's nothing I or they can do about it.
MercuryWell of course I would like to be able to pay lower, who wouldn't but I can't complain too much. I have a high risk driver on my policy, but also a new driver. So the expenses are too high, but there's nothing I or they can do about it.
American Family Insurancevery good to american insurance company when compaired to other insurance company.and the more policy was presented in american family insurance company.
American Family Insurancevery good to american insurance company when compaired to other insurance company.and the more policy was presented in american family insurance company.
GeicoGEICO's deductible was great. It is top of the line, and the best price for me, so I can save more and more, while being protected from all of the dangers that could happen. I feel comfort in this and love knowing I have that piece of mind.
GeicoGEICO's deductible was great. It is top of the line, and the best price for me, so I can save more and more, while being protected from all of the dangers that could happen. I feel comfort in this and love knowing I have that piece of mind.
UsaaAt the time of signing up, USAA was easily so competitive I didn't really shop around. I've called other places over the years to compare, and sometimes they won't even offer up a quote against USAA saying they know they can't beat USAA. Of course, USAA also offers discounts across multiple products when you use things like Mortgage and Car Loan and CCs.
State FarmI have literally zero issues with State Farm. As far as my personal experience goes, I cannot imagine ever switching. I am beyond satisfied with my service.
Farm BureauFarm Bureau is the best company I have ever been with. If I have the need to call for any reason, they are very ready and willing to help with any concerns I have from cost to adding or removing any coverage.
State FarmI liked their customer service and I liked that they responded to me all the time right when I started talking to them. It was nice.
Cincinnati InsuranceThe only think I dislike is there prices are a little high when compared to other insurance providers. You also have to be a state employee to get the maximum in benefits.
National GeneralI have had insurance through other providers in the past and the premium costs have been similar no matter where I go for the same coverage. I like the company because they look at my driving habits and make recommendations to add or subtract line items, which saves me money.
Mapfre InsuranceKnock on wood in 6 years with the company and only 2 claims one being for a windshield ever made I don't have anything bad to say.
GeicoI checked with other companies before my premium came due a month ago, and although they advertised that they would beat GEICO by $450, they were actually several hundred dollars higher when I got their estimate. I did get one companies that quoted me about $125 less, but I would change companies for that amount.
GeicoI am well satisfied with my premium rate compared to all the different coverage that I have on the vehicle, plus my vehicle is one year old.
GeicoI honestly can't think of anything I dislike. We have been customers for about 20 years and have had no problems with Geico.