🚗 Car insurance cost in Phoenix, AZ (2027)
Estimated average: $2,649 per year — +23% vs. the U.S. average of $2,150.
With about 1,650,070 residents, Phoenix is a major metro and the largest city in Arizona. Car insurance rates here are estimated at $2,649 per year, above the Arizona average of $2,365 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Phoenix with other Arizona cities.
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Phoenix car insurance FAQ
How much is car insurance in Phoenix, AZ?
The estimated average is $2,649 per year — above the state average (+12% vs. the Arizona average of $2,365, and +23% vs. the U.S. average).
Is car insurance more expensive in Phoenix than elsewhere in Arizona?
Phoenix has about 1,650,070 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest car insurance in Phoenix?
Compare at least three quotes from insurers active in Phoenix, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.