Auto Insurance In Phoenix, AZ
Smart coverage for Valley commutes — right limits, smart deductibles, instant proof in Phoenix
Average Monthly Arizona Auto Insurance Rates by Coverage Package
The amount of coverage you choose has one of the biggest impacts on your insurance premium. Liability-only policies generally have the lowest monthly payments, while full coverage offers additional protection for your own vehicle. The chart below compares average monthly premiums by coverage package using Arizona quote data.
Average monthly by coverage
- Pricing ranges from $71.44 (liability_only) to $110.98 (full_coverage) ... a spread of $39.54.
- Based on real auto insurance quotes grouped into 2 company results, the average across this view is $91.21. The spread is about 55% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2474 | 1zGi8kT_Uohpp3zUZj6XtU7AgjL9069j | 2026-05-21 | AZ | LAKESIDE | 85929 | 58 | female | unknown | full_coverage | 0.00 | 0 | 0 | 0 | ||||
| 2098 | 163NEk-CFydzxGgpIF-45A1YsLzw-NP- | 2026-04-03 | AZ | SIERRA VISTA | 85635 | 1993 | GMC | Sierra C3 | unknown | unknown | full_coverage | Progressive | 162.00 | 0 | 0 | 0 | |
| 1952 | 1CLhvhtugBXZHMiMNosz1MMjHB3_kpXS | 2026-03-27 | AZ | TOMBSTONE | 85638 | Ford | F-150 | unknown | unknown | full_coverage | Progressive | 56.50 | 0 | 0 | 0 | ||
| 1792 | 20260316-1048-3221 | 2026-03-16 | AZ | PHOENIX | 85004 | 2026 | ACURA | INTEGRA | 60 | male | single | full_coverage | Progressive | 145.83 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | TOMBSTONE | 85638 | 1994 | FORD | F150 | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | TOMBSTONE | 85638 | 2003 | MERCURY | MOUNTAINEER | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1704 | 20260306-1045-8117 | 2026-03-06 | AZ | PHOENIX | 85017 | 2016 | NISSAN | SENTRA SL | 45 | male | single | full_coverage | Progressive POP | 187.33 | 0 | 0 | 0 |
| 1676 | 20260228-113017-8284 | 2026-02-28 | AZ | SIERRA VISTA | 85635 | 2019 | NISSAN | SENTRA SR | 43 | male | single | full_coverage | Progressive | 87.50 | 0 | 0 | 0 |
| 1674 | 20260226-1004-2171 | 2026-02-26 | AZ | BENSON | 85602 | 2018 | FORD | FUSION SE | 29 | male | single | full_coverage | Progressive | 185.84 | 0 | 0 | 0 |
| 1673 | 20260302-1006-4492 | 2026-03-02 | AZ | SIERRA VISTA | 85635 | 2023 | DODGE | DURANGO R/T | 29 | female | single | full_coverage | AssuranceAmerica | 169.33 | 0 | 0 | 0 |
| 1672 | 20260302-1007-5042 | 2026-03-02 | AZ | TUCSON | 85746 | 2001 | FORD | F150 | 45 | male | single | liability_only | Mendota Ins. Company VP | 96.52 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Table of Contents
Phoenix Coverage Fit
Liability vs full coverage, UM/UIM, MedPay, comprehensive, collision, rental reimbursement, and roadside assistance tailored for I-10, I-17, Loop 101, and Loop 202 commuters.
Compare coverage options in our comparison hub.
What Moves Price
Driving record, ZIP code, annual mileage, vehicle, deductibles, prior insurance, and other rating factors all influence what you pay.
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Average Monthly Arizona Auto Insurance Rates by Carrier
Every insurance company evaluates risk differently, which means two companies can quote very different prices for the same driver. Comparing multiple carriers is one of the best ways to find the right balance between price and coverage. The chart below compares average monthly premiums by carrier using Arizona quote data.
Average monthly by coverage
- Pricing ranges from $52.18 (Dairyland Scored) to $116.48 (Progressive) ... a spread of $64.30.
- Based on real auto insurance quotes grouped into 6 company results, the average across this view is $91.62. The spread is about 123% from lowest to highest.
- Rates can shift with coverage choices, Driver details, and vehicle factors ... use filters to compare similar coverage, then review the evidence table for context.
Evidence (records used)
This table lists underlying records used for the chart above.
| record_id | call_id | call_date | state | city | zip | year | make | model | age | sex | marital | coverage | carrier | monthly | violations | accidents | dui |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2429 | 1E-dgx_FaaQoccGqn2afjaLdyz-S6rtd | 2026-05-15 | AZ | 2019 | Ford | F-150 | unknown | unknown | unknown | Progressive | 0.00 | 0 | 0 | 0 | |||
| 2259 | 1zJv9wp7b6Q5muHs9c-Q9eJ1ukr2zJOR | 2026-04-16 | AZ | unknown | unknown | unknown | Mendota | 55.00 | 0 | 0 | 0 | ||||||
| 2098 | 163NEk-CFydzxGgpIF-45A1YsLzw-NP- | 2026-04-03 | AZ | SIERRA VISTA | 85635 | 1993 | GMC | Sierra C3 | unknown | unknown | full_coverage | Progressive | 162.00 | 0 | 0 | 0 | |
| 1952 | 1CLhvhtugBXZHMiMNosz1MMjHB3_kpXS | 2026-03-27 | AZ | TOMBSTONE | 85638 | Ford | F-150 | unknown | unknown | full_coverage | Progressive | 56.50 | 0 | 0 | 0 | ||
| 1792 | 20260316-1048-3221 | 2026-03-16 | AZ | PHOENIX | 85004 | 2026 | ACURA | INTEGRA | 60 | male | single | full_coverage | Progressive | 145.83 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | TOMBSTONE | 85638 | 1994 | FORD | F150 | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1767 | 20260311-0946-0163 | 2026-03-11 | AZ | TOMBSTONE | 85638 | 2003 | MERCURY | MOUNTAINEER | 69 | male | single | full_coverage | Progressive POP | 57.67 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1705 | 20260307-092209-2736 | 2026-03-07 | AZ | SIERRA VISTA | 85635 | 2015 | KIA | SOUL | 35 | female | married | full_coverage | Progressive | 81.33 | 0 | 0 | 0 |
| 1704 | 20260306-1045-8117 | 2026-03-06 | AZ | PHOENIX | 85017 | 2016 | NISSAN | SENTRA SL | 45 | male | single | full_coverage | Progressive POP | 187.33 | 0 | 0 | 0 |
| 1676 | 20260228-113017-8284 | 2026-02-28 | AZ | SIERRA VISTA | 85635 | 2019 | NISSAN | SENTRA SR | 43 | male | single | full_coverage | Progressive | 87.50 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | SIERRA VISTA | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | SIERRA VISTA | 85635 | 1993 | GMC | SIERRA K3500 | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | SIERRA VISTA | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1675 | 20260220--7243 | 2026-02-20 | AZ | SIERRA VISTA | 85635 | 2020 | GMC | ACADIA DENALI | 52 | female | married | unknown | Progressive POP | 164.00 | 0 | 0 | 0 |
| 1674 | 20260226-1004-2171 | 2026-02-26 | AZ | BENSON | 85602 | 2018 | FORD | FUSION SE | 29 | male | single | full_coverage | Progressive | 185.84 | 0 | 0 | 0 |
| 1673 | 20260302-1006-4492 | 2026-03-02 | AZ | SIERRA VISTA | 85635 | 2023 | DODGE | DURANGO R/T | 29 | female | single | full_coverage | AssuranceAmerica | 169.33 | 0 | 0 | 0 |
| 1672 | 20260302-1007-5042 | 2026-03-02 | AZ | TUCSON | 85746 | 2001 | FORD | F150 | 45 | male | single | liability_only | Mendota Ins. Company VP | 96.52 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2024 | HONDA | HR-V SPORT | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1521 | 20260217--2602 | 2026-02-17 | AZ | MC NEAL | 85617 | 2005 | FORD | F150 | 25 | female | married | full_coverage | Progressive POP/SD/HO | 95.67 | 0 | 0 | 0 |
| 1452 | 20260130--7321 | 2026-01-30 | AZ | HEREFORD | 85615 | 2019 | FORD | F150 RAPTOR | 31 | male | divorced | full_coverage | Progressive | 105.33 | 0 | 0 | 0 |
| 1451 | 20251128-114527-7308 | 2025-11-28 | AZ | SIERRA VISTA | 85635 | 1999 | JEEP | GRAND CHEROKEE LARED | 25 | male | single | liability_only | AssuranceAmerica | 62.83 | 0 | 0 | 0 |
| 1450 | 20260205-1012-2086 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2007 | BMW | 328I | 18 | male | single | liability_only | GAINSCO | 102.16 | 0 | 0 | 0 |
| 1449 | 20251208-1013-2572 | 2025-12-08 | AZ | SIERRA VISTA | 85635 | 2009 | TOYOTA | COROLLA | 31 | female | single | full_coverage | AssuranceAmerica | 87.33 | 0 | 0 | 0 |
| 1448 | 20260205-114156-1283 | 2026-02-05 | AZ | SIERRA VISTA | 85635 | 2018 | KIA | SPORTAGE SX | 84 | male | single | liability_only | Progressive | 43.50 | 0 | 0 | 0 |
| 1447 | 20260110-114126-2830 | 2026-01-10 | AZ | SIERRA VISTA | 85650 | 2021 | TOYOTA | VENZA LE | 68 | male | divorced | full_coverage | GAINSCO | 126.16 | 0 | 0 | 0 |
| 1446 | 20251226-1026-6465 | 2025-12-26 | AZ | HUACHUCA CITY | 85616 | 2001 | CHEVROLET | SILVERADO C2500HD | 45 | female | single | liability_only | Dairyland Scored | 52.18 | 0 | 0 | 0 |
| 1445 | 20251219--0308 | 2025-12-19 | AZ | SIERRA VISTA | 85635 | 2000 | TOYOTA | CAMRY CE | 55 | male | single | full_coverage | AssuranceAmerica MobileMax | 84.66 | 0 | 0 | 0 |
| 1444 | 20251227--7919 | 2025-12-27 | AZ | SAN MANUEL | 85631 | 2005 | CADILLAC | DEVILLE | 66 | male | single | full_coverage | Progressive | 161.04 | 0 | 0 | 0 |
Brian Muse
Customer Service Representative
Customer Service Representative specializing in billing support, document processing, and policy account management.
Brian assists clients with policy questions, coverage updates, and general account support to help keep their insurance in good standing.
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