Phoenix Auto Insurance Rates, Quotes, Agents & Reviews in AZ

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.

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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 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

Usaa
I 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.
Usaa
I'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 Farm
there offerings are way higher then other companies in my area I'm going to be switching to another company because of this.
Geico
Their customer service is pretty good. I have no complaints against them.
Progressive
It 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.
Nationwide
I 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.
Mercury
Well 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.
Mercury
Well 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 Insurance
very good to american insurance company when compaired to other insurance company.and the more policy was presented in american family insurance company.
American Family Insurance
very good to american insurance company when compaired to other insurance company.and the more policy was presented in american family insurance company.
Geico
GEICO'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.
Geico
GEICO'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.
Usaa
At 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 Farm
I 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 Bureau
Farm 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 Farm
I 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 Insurance
The 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 General
I 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 Insurance
Knock 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.
Geico
I 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.
Geico
I 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.
Geico
I honestly can't think of anything I dislike. We have been customers for about 20 years and have had no problems with Geico.