Compare Top Car Insurance
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EverQuote
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Progressive
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See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers. |
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Liberty Mutual
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Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim. |
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The General
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UNO Insurance Agency
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Location
15846 N. Cave Creek Rd., Ste. 3
Phoenix, AZ 85032
(602) 493-2300
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Access Auto Insurance
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Location
6544 W. Thomas Rd., Ste. 29
Phoenix, AZ 85033
(623) 848-1940
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Nationwide - Ryan J. Larson
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Location
1500 E. Bethany Home Rd., Ste. 170
Phoenix, AZ 85014
(602) 393-1338
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Allstate Insurance - Edward Vasquez
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Location
3508 N. 7th St., Ste. 115
Phoenix, AZ 85014
(480) 999-7222
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AALL Insurance
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Location
5830 W. Thomas Rd.
Phoenix, AZ 85031
(623) 873-3777
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TD Insurance
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Location
1430 E. Indian School Rd., Ste. 240
Phoenix, AZ 85014
(602) 254-3208
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State Farm Insurance - Brian Stevens
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Location
21043 N. Cave Creek Rd., Ste. A12
Phoenix, AZ 85024
(602) 569-6600
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Genesis Insurance
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Location
4114 N. 27th Ave.
Phoenix, AZ 85017
(602) 354-3339
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How to choose a car insurance company in Phoenix
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.
Phoenix Car Insurance Reviews
Progressive |
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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. |
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Liberty Mutual |
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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. |
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The General |
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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. |
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UNO Insurance Agency |
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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. |
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Access Auto Insurance |
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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. |
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