Phoenix, Arizona Auto Insurance

Cheapest Car Insurance in Phoenix, AZ

The cheapest legal option in Phoenix is state-minimum liability (25/50/15) — but the truly cheapest rate for you depends on your carrier, record, and coverage level. As an independent broker, we compare multiple carriers to find your lowest price instead of quoting just one.

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Quick Answer

The cheapest car insurance you can legally drive with in Phoenix is state-minimum liability, which Arizona sets at 25/50/15. It’s the lowest-cost policy because it skips comprehensive and collision — but it won’t repair your own car. The cheapest rate for your situation comes from comparing carriers, choosing only the coverage you need, keeping a clean record, and stacking discounts. Arizona also lets insurers use credit-based scores, so stronger credit lowers your price.

Cheapest legal option
State-minimum liability
Arizona minimum
25/50/15
Covers your own car?
Only with full coverage (comp & collision)
Credit affects price?
Yes — Arizona allows it
Financed car?
Lender requires full coverage
Biggest savings levers
Compare carriers, discounts, deductible

Reviewed by Lauren McKenzie, Licensed Insurance Agent · Written by Jayleen Ridgeway · Last updated July 9, 2026

What is the cheapest car insurance you can legally buy in Phoenix?

The cheapest policy that keeps you legal in Phoenix is Arizona’s minimum liability coverage: 25/50/15. It pays for injuries and damage you cause to others, but nothing for your own vehicle.

CoverageArizona minimumWhat it does
Bodily Injury Liability$25,000 per person / $50,000 per accidentOthers’ injuries when you’re at fault
Property Damage Liability$15,000 per accidentOthers’ vehicles/property you damage
Comprehensive & CollisionNot requiredYour own car — required only by lenders

Source: Arizona Department of Insurance and Financial Institutions. Minimum limits keep you legal but can leave you exposed in a serious crash — we’ll help you weigh cheapest vs. adequate.

Liability-only vs. full coverage: how much cheaper is the minimum?

Liability-only is almost always the cheapest option because it doesn’t insure your own car — full coverage adds comprehensive and collision, which costs more but is required on any financed vehicle. Here’s the gap in our own Phoenix-area quote data.

As a real-world reference, here is a sample of Arizona quotes our licensed agents have collected, shown as the average monthly premium by coverage level:

Average monthly premium by coverage level

Filters: Filters: State AZ

Source ... A Plus Insurance Quote Dataset

full_coverage
$110.98
liability_only
$71.44
  • 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.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
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

Based on A Plus Insurance’s own Arizona quotes; averages update as new quotes are collected and are not a guaranteed rate. Your price depends on your record, vehicle, ZIP code, and coverage selections.

Which carriers are cheapest for Phoenix drivers?

No single carrier is cheapest for everyone — the same Phoenix driver can see very different prices from one company to the next, which is exactly why comparing beats accepting the first quote.

As a real-world reference, here is a sample of Arizona quotes by carrier, shown as the average monthly premium:

Average monthly premium by carrier

Filters: Filters: State AZ

Source ... A Plus Insurance Quote Dataset

Progressive
$116.48
GAINSCO
$114.16
AssuranceAmerica
$106.50
Mendota
$75.76
AssuranceAmerica MobileMax
$84.66
Dairyland Scored
$52.18
  • 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.

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipyearmakemodelagesexmaritalcoveragecarriermonthlyviolationsaccidentsdui
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

Based on A Plus Insurance’s own Arizona quotes across carriers; averages update as new quotes are collected and are not a guaranteed rate. Your rate depends on your driving record, vehicle, location, and coverage selections.

Want your real Phoenix number? We’ll compare carriers and coverage levels so you see the cheapest option that still fits your needs.

Call (888) 445-2793 Get a Quote

How to get the cheapest rate in Phoenix

The cheapest rate comes from matching coverage to your real needs and stacking every discount — not just picking the lowest limits.

  • Compare carriers: the biggest single saving — the same driver’s price swings widely between companies.
  • Drop comp/collision on an older car: if your car’s value is low, liability-only can make sense.
  • Raise your deductible: $1,000 instead of $500 lowers your full-coverage premium.
  • Protect your credit: Arizona allows credit-based insurance scores, so better credit means lower rates.
  • Bundle: add home insurance for a multi-policy discount.
  • Ask about every discount: safe driver, multi-vehicle, good student, defensive driving, safety features.

What affects your Phoenix car insurance rate?

Insurers price on risk — your record, credit, vehicle, ZIP code, and coverage choices all move the number.

  • Driving record: a clean record earns the cheapest rates; tickets and at-fault accidents raise them.
  • Credit-based insurance score: allowed in Arizona and a major factor.
  • Location: Phoenix ZIP codes with more traffic, theft, or claims run higher than quieter areas.
  • Vehicle: value, repair cost, and theft rates all matter — comprehensive covers Phoenix hazards like monsoon hail, dust storms, and theft.
  • Coverage & deductible: more coverage and lower deductibles cost more.

Cheapest options for high-risk and SR-22 drivers

A ticket, at-fault accident, or DUI raises your rate — but comparing carriers who specialize in high-risk drivers is still the cheapest path, and we can file an SR-22 if Arizona requires one.

The SR-22 filing itself is a small one-time fee; the violation behind it is what moves the premium. Because carriers price high-risk drivers very differently, shopping several is where the savings are — including a non-owner policy if you need an SR-22 but don’t own a car.

See SR-22 requirements by state and our Arizona liability & SR-22 options.

Cheapest coverage for young Phoenix drivers

Young drivers pay the most, but the cheapest path is a mix of the right discounts and staying on a parent’s policy where possible.

  • Good student discount for a B average or higher.
  • Stay on a family policy — usually far cheaper than a standalone one.
  • Defensive driving course discounts.
  • Choose a modest, safe vehicle to keep premiums down.

Why shop for cheap Phoenix coverage with A Plus Insurance? As an independent broker licensed in 35 states and serving 26,000+ clients, we compare rates across multiple carriers — Progressive, GEICO, National General, Bristol West, Dairyland, and more — so you get the lowest compliant price for your profile instead of a single company’s quote. Every step is handled by phone, email, or text.

Compare the coverage level that fits, or bundle to save more:

Cheapest Car Insurance Phoenix FAQs

What is the cheapest car insurance in Phoenix, AZ?

The cheapest legal policy is Arizona’s minimum liability coverage — 25/50/15 — because it doesn’t insure your own vehicle. The cheapest rate for you personally comes from comparing carriers, choosing only the coverage you need, keeping a clean record, and stacking discounts.

What factors determine the cost of car insurance in Phoenix?

Your driving record, credit-based insurance score (allowed in Arizona), ZIP code, vehicle, age, coverage limits, and deductible. Because each carrier weighs these differently, the same driver can get very different quotes — which is why comparing matters.

Is liability-only cheaper than full coverage in Phoenix?

Yes. Liability-only skips comprehensive and collision, so it’s almost always cheaper. But it won’t repair your own car, and lenders require full coverage on financed or leased vehicles. Weigh the savings against your car’s value.

Can I get cheap car insurance in Phoenix with a bad driving record?

Yes. Rates are higher after tickets, accidents, or a DUI, but we specialize in high-risk drivers and shop multiple carriers to find the lowest option — including filing an SR-22 if Arizona requires one.

Does Arizona require full coverage?

No. Arizona only requires liability coverage (25/50/15). Comprehensive and collision — full coverage — are required by lenders on financed cars, not by the state.

How can I lower my Phoenix car insurance rate?

Compare carriers, match coverage to your real needs, raise your deductible, protect your credit, bundle with home insurance, and claim every discount you qualify for. An independent broker can do the comparison for you in one call.

How to get your cheapest Phoenix quote from A Plus

Getting a quote takes about two minutes and comes with no obligation. Here’s how it works:

1

Tell us about you

Share a few quick details by phone, text, or our online quote helper — no paperwork required.

2

We shop the carriers

Our licensed brokers compare rates and coverage levels across multiple carriers to find your lowest price.

3

Pick your policy

Choose the cheapest option that fits — we activate it and file any SR-22 the same day.

Get your cheapest Phoenix car insurance quote today

Tell us about your car and driving history, and our licensed brokers will shop multiple carriers to find the lowest rate you qualify for — liability-only or full coverage. Every step by phone, email, or text — no office visit needed.

Get My Free Quote Speak With a Broker: (888) 445-2793
Call (888) 445-2793 Get a Free Quote
Jayleen Ridgeway - Marketing Manager

Jayleen Ridgeway

Marketing Manager| 9 Years of Digital and Marketing Strategy

Data-driven marketing strategist specializing in insurance rate analysis, pricing trends, and consumer insights derived from real-world first-party data. With a background in SaaS technology, Jayleen leads all marketing and social media efforts while uncovering actionable trends from monthly, quarterly, and yearly insurance data.
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