Car Insurance in Phoenix
Numbers refreshed
What Arizona averages shape car insurance in Phoenix, and how drivers there behave.
- $137Full coverage, at the Arizona monthly average.
- 25/50/15.The state minimum limits.
What drivers in the Phoenix area pay
In Arizona, full coverage averages $1,647 a year, while the legal minimum averages $879. In a big city, costs tend to sit higher than the state average because of more traffic, more claims and more theft.
| Coverage in Arizona | Per year | Per month |
|---|---|---|
| Liability | $879 | $73 |
| Collision | $466 | $39 |
| Comprehensive | $303 | $25 |
| Full coverage (all three) | $1,647 | $137 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Driving in the city of Phoenix
| Census figure | Phoenix |
|---|---|
| People | 1,642,323 |
| Average trip to work | 26 minutes |
| Drive to work alone | 64% |
| Homes with no car | 7% |
| Median household income | $81,332 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
An estimate for you
The Arizona calculator works out prices from your age, record and car. For state rules, see Arizona car insurance requirements.
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