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.
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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).
$30,000 bodily-injury liability for two or more people
$10,000 property-damage liability
Optional coverage add-ons:
More liability coverage
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.
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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.
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 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 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
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.