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Best Car Insurance Companies in Phoenix, AZ

Aug. 26, 2019, 9:45 p.m.

After housing expenses, the cost of owning and operating a vehicle in Phoenix is likely your largest annual expense. Car insurance is a legally required part of car ownership. There are many options for insurance and coverage, such as liability-only and covering uninsured motorists. Our partners at ConsumerAffairs have done the research and comparisons to determine that these are the best car insurance companies in Phoenix.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC15 may receive compensation from our partners. Learn more.

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#1
EverQuote

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EverQuote
Features
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Phoenix
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#2
Progressive
Progressive
Features
  • Car, motorcycle, boat, RV
  • Safe driver discount
  • Multi-car discount
  • Bundle with home insurance
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#3
Liberty Mutual
Liberty Mutual
Features
  • Car, motorcycle, boat, RV
  • Classic car coverage
  • ATV & off-road vehicles
  • Bundle and save
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#4
The General
The General
Features
  • Low down payments
  • Insures high-risk drivers
  • Apply online
  • 20+ local offices
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UNO Insurance Agency
UNO Insurance Agency
Features
  • Car & motorcycle coverage
  • SR-22 insurance
  • Commerical car insurance
  • English & Spanish
Location
15846 N. Cave Creek Rd., Ste. 3
Phoenix, AZ 85032
(602) 493-2300
Access Auto Insurance
Access Auto Insurance
Features
  • SR-22 insurance
  • Roadside assistance
  • Rental reimbursement
  • International driver coverage
Location
6544 W. Thomas Rd., Ste. 29
Phoenix, AZ 85033
(623) 848-1940
Nationwide - Ryan J. Larson
Nationwide - Ryan J. Larson
Features
  • M-F: 9am - 5pm
  • Sat and Sun by appointment
  • agency.nationwide.com/phoenix-az
Location
1500 E. Bethany Home Rd., Ste. 170
Phoenix, AZ 85014
(602) 393-1338
Allstate Insurance - Edward Vasquez
Allstate Insurance - Edward Vasquez
Features
  • M-F: 8:30am - 5:30pm
  • Sat: 10am - 2pm
  • Closed Sun
  • agents.allstate.com/edward-vasquez-phoenix-az.html
Location
3508 N. 7th St., Ste. 115
Phoenix, AZ 85014
(480) 999-7222
AALL Insurance
AALL Insurance
Features
  • M-F: 9am - 7pm
  • Sat: 9am - 5pm
  • Closed Sun
  • aall.net
Location
5830 W. Thomas Rd.
Phoenix, AZ 85031
(623) 873-3777
TD Insurance
TD Insurance
Features
  • M-F: 8:30am - 5:30pm
  • Sat: 10am - 2pm
  • Closed Sun
  • tdinsuranceaz.com
Location
1430 E. Indian School Rd., Ste. 240
Phoenix, AZ 85014
(602) 254-3208
State Farm Insurance - Brian Stevens
State Farm Insurance - Brian Stevens
Features
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • statefarm.com/agent/US/AZ/Phoenix/Brian-Stevens
Location
21043 N. Cave Creek Rd., Ste. A12
Phoenix, AZ 85024
(602) 569-6600
Genesis Insurance
Genesis Insurance
Features
  • M-T: 10am - 6pm
  • W: 10am - 4pm
  • Th-F: 10am - 6pm
  • Sat: 10am - 4pm
  • Closed Sun
  • genesisphx.com
Location
4114 N. 27th Ave.
Phoenix, AZ 85017
(602) 354-3339

How to choose a car insurance company in Phoenix

phx skyline auto insurance

On average, car insurance costs a 40-year-old male with liability-only insurance $804 a year in central Phoenix and about $900 in west Phoenix. This is close to the national average of about $900 per year. For auto theft, Phoenix only ranks 80th out of 380 metro areas, so insurance here remains reasonable.

Average costs can be even lower in the metropolitan area. For instance, the average liability-only car insurance premium is only $660 in neighboring Scottsdale and $644 in Tempe, southeast of Phoenix.

In Arizona, the minimum car insurance coverage applies to all vehicles on the road, including cars, motorcycles and golf carts (common in Phoenix-area retirement and golf communities).

Arizona’s mandatory liability insurance is:

  • $15,000 bodily-injury liability for one person
  • $30,000 bodily-injury liability for two or more people
  • $10,000 property-damage liability

Optional coverage add-ons:

  • More liability coverage
  • Uninsured motorists
  • Rental reimbursement
  • Roadside assistance

Because of the high number of uninsured motorists in Arizona (12% of drivers as estimated by the Insurance Information Institute), it is often recommended to add uninsured or underinsured motorist coverage to your premium. This is the biggest road hazard in Phoenix. Rarely does weather affect insurance beyond the occasional hail storm or flash flood.

Progressive

Progressive

Progressive is a nationwide insurance company that offers auto insurance as well as insurance for homeowners, renters, recreational vehicles and even pets. These multiple offerings allow customers to bundle services and receive a discount. Progressive also offers discounts for low-risk drivers and those who have been customers for a number of years. Online policy customization, purchasing and claim submission is popular with Phoenix motorists.

Liberty Mutual

Liberty Mutual

Liberty Mutual offers a personalized experience through local agents as well as a website and app. Features include Liberty Mutual Deductible Fund, which allows customers to put money toward their deductible in the case of a claim and Liberty Mutual matches a portion of contributions. Discounts are offered for multiple policies with the company as well as up to 30% off for a good driving record.

The General

The General

The General is known for insuring drivers with previous claims and violations and those with lower credit scores. They also offer multiple payment options to help insure drivers quickly. This insurance company focuses only on car insurance, although it is a subsidiary of American Family Insurance. Reviewers in Phoenix praise The General’s customer experience and competitive pricing.

UNO Insurance Agency

UNO Insurance Agency

UNO Insurance Agency is a local Phoenix company that works with customers to find their right insurance policies. Like an insurance broker, this agency works with multiple companies to find auto, motorcycle and renters insurance. The company specializes in assisting with SR-22 certificates of insurance, required by the Arizona Motor Vehicle Department after a driver receives a DUI, is caught without insurance or has too many traffic tickets.

Access Auto Insurance

Access Auto Insurance

Despite being a local company, Access Auto Insurance offers the same online features as the larger national companies. This Phoenix company can also cover customers with an SR-22 and accepts cash at their multiple storefronts around the city.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.