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Phoenix ZIP code 85017 is the most expensive for car insurance in the city -- and it's also the priciest in the state at $1,984 a year, on average. CarInsurance.com analyzed Arizona car insurance rates from six car insurance companies for nearly every ZIP code in the state.
But even if you live in the most expensive area for car insurance in the state, you can still save money by shopping around. No two insurance companies will charge the same amount of money for the same policy because they use different assessment methods. So if you compare rates and opt for the lowest, you won’t over pay. For example, the highest rate from any carrier for ZIP 85017 in CarInsurance.com's analysis was $2,554 -- nearly twice the lowest ($1,364).
To see how other Phoenix car insurance rates compare, use our average rates tool below. Enter a ZIP code, choose from among six age groups and three coverage levels and it will show the average rate, as well as the highest and lowest, for your location.
CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
85017- PHOENIX: $1,98485009- PHOENIX: $1,95285019- PHOENIX: $1,94085031- PHOENIX: $1,93786403- LAKE HAVASU CITY: $1,00986404- DESERT HILLS: $1,02486409- KINGMAN: $1,02986436- TOPOCK: $1,039Here's how Phoenix’s highest average rate ($1,984) compares to others:
Below are the 12 priciest ZIP codes for insurance in the city. You'll see an average, along with the maximum and minimum rates fielded from six insurers. Notice that the cost for the same coverage varies significantly from one insurance company to another. That's why it's wise to compare car insurnce quotes.
| ZIP code | Average annual rate | Highest rate | Lowest rate |
|---|---|---|---|
| 85017 | $1,984 | $2,554 | $1,364 |
| 85009 | $1,952 | $2,508 | $1,291 |
| 85019 | $1,940 | $2,411 | $1,362 |
| 85031 | $1,937 | $2,554 | $1,384 |
| 85015 | $1,896 | $2,554 | $1,296 |
| 85035 | $1,884 | $2,508 | $1,360 |
| 85006 | $1,877 | $2,554 | $1,301 |
| 85034 | $1,852 | $2,554 | $1,296 |
| 85033 | $1,844 | $2,402 | $1,304 |
| 85013 | $1,837 | $2,554 | $1,284 |
| 85025 | $1,833 | $2,554 | $1,301 |
| 85003 | $1,832 | $2,554 | $1,284 |
*Methodology for rates by ZIP code:
CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.
The lowest liability car insurance limits your insurer offers is the cheapest policy you can buy. This will be the state minimum required to drive legally. In Arizona, (written as 15/30/10) that means your liability car insurance would pay up to:
The state average rate for a year of minimum coverage is $496, according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just $77 more.
The best car insurance coverage usually isn’t the cheapest. You may be sued if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy. To protect your assets, you should buy liability insurance in the following amounts:
You should also consider buying these optional coverages:
If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Arizona, comprehensive costs $181 and collision costs $255, on average per year, according to the Insurance Information Institute. These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
Boosting your coverage from the state minimum to full coverage with a $500 deductible costs, on average, $860 annually, or about $72 a month.
Geico and Progressive are the most affordable car insurance companies in the city, based on our analysis of rates from six insurers for nearly all ZIP codes in Phoenix.
| Company | State minimum |
|---|---|
| Geico | $434 |
| Progressive | $565 |
| State Farm | $636 |
| Allstate | $741 |
| Farmers | $769 |
| Nationwide | $785 |
| Company | 50/100/50 |
| Geico | $574 |
| Progressive | $666 |
| Allstate | $763 |
| State Farm | $822 |
| Farmers | $873 |
| Nationwide | $888 |
| Company | 100/300/100 |
| Geico | $1,215 |
| Progressive | $1,290 |
| Farmers | $1,526 |
| State Farm | $1,766 |
| Nationwide | $2,180 |
| Allstate | $2,337 |
Here is how much more you'll pay, on average, if you're convicted of any of the following traffic violations. Usually, you'll pay the higher rate for a ticket for three to five years, but it depends on your insurance company and state laws. More severe infractions, such as DUI, typically remain on your driver record longer than minor offenses, such as speeding. Expect to see the increased rate after a ticket upon renewal of your car insurance policy.
| Violation | Annual average rate | Rate after violation | Dollar increase | Percent increase |
|---|---|---|---|---|
| DUI/DWI third offense | $1,852 | $11,204 | $9,352 | 505% |
| DUI/DWI second offense | $1,852 | $7,687 | $5,835 | 315% |
| Operating a vehicle in a race (highway racing) | $1,852 | $4,421 | $2,569 | 139% |
| DUI/DWI first offense | $1,852 | $4,243 | $2,392 | 129% |
| Reckless driving | $1,852 | $3,271 | $1,419 | 77% |
| 2 speeding tickets 11 mph or over | $1,852 | $2,881 | $1,030 | 56% |
| Speeding 30+ over limit | $1,852 | $2,729 | $877 | 47% |
| Speeding ticket 16-29 MPH over limit | $1,852 | $2,393 | $541 | 29% |
| Speeding ticket 1-15 MPH over limit | $1,852 | $2,358 | $506 | 27% |
| Improper/illegal pass | $1,852 | $2,290 | $438 | 24% |
| Careless driving | $1,852 | $2,237 | $385 | 21% |
| Failure to stop | $1,852 | $2,193 | $342 | 18% |
| Failure to yield | $1,852 | $2,193 | $342 | 18% |
| Following too closely | $1,852 | $2,193 | $342 | 18% |
| Improper turn | $1,852 | $2,183 | $332 | 18% |
| Seatbelt infraction | $1,852 | $1,964 | $112 | 6% |
| Driving without a license or permit | $1,852 | $1,862 | $11 | 1% |
| Driving without insurance | $1,852 | $1,862 | $11 | 1% |
*Methodology:
CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.
You'll see in the chart below how much your car insurance rate will increase, on average, for common accident claims. Expect to pay from $275 to $480 more a year for minor collisions, and over $2,000 for multiple crashes.
| Accident | Annual rate | Rate after claim | Dollar increase | Percent increase |
|---|---|---|---|---|
| Hit and run - property damage or injury | $1,852 | $4,421 | $2,569 | 139% |
| 2 At-fault property damage accident over $2k | $1,852 | $4,158 | $2,307 | 125% |
| 1 At-fault property damage accident over $2K | $1,852 | $2,332 | $480 | 26% |
| At-fault bodily injury accident | $1,852 | $2,332 | $480 | 26% |
| 1 At-fault property damage accident under $2K | $1,852 | $2,127 | $275 | 15% |
Adding a teen driver to your insurance is cheaper than having the teen buy his or her own policy, in most cases. But it's still expensive. Putting your 16-year-old daughter on your coverage as a Phoenix resdint will jack up rates by about $3,000, or 166 percent. For teen sons, it's nearly $4,000, or 216 percent, on average, according to CarInsurance.com rate data for Phoenix.
If you drive for Uber or Lyft, you need special car insurance coverage. Insurance companies call this a ridesharing endorsement. It's typically not that expensive, but costs vary depending on your insurer, and it's not widely available, you may find that only one or two companies offer it in your state.
In Phoenix, the cost of adding Uber or Lyft insurance is about $355 more yearly (17 percent), or about $30 a month, according to CarInsurance.com's rate analysis.
Drivers with bad credit pay more for car insurance, unless they live in Hawaii, California or Massachusetts where the practice is banned. But it's worse for drivers in some states compared to others. Arizona ranks third among the worst states for drivers with bad credit. And for drivers in Phoenix, CarInsurance.com rate data show you'll pay 96 percent more a year for coverage, or about $1,770.
An SR-22 is a form that your car insurance company files on your behalf with the state. It shows the state proof that you are carrying sufficient car insurance coverage. Typically, a DUI or similar severe violation triggers the mandate to file an SR-22. Because of that, the cost for car insurance for drivers with an SR-22 is much higher than it is for drivers with clean records. In Phoenix, an SR-22 requirement will hike your rate by an average of $2,600, or 140 percent, yearly.
Traffic in Phoenix: The city and nearby areas came in 14th for the worst traffic in the country in a recent report by USA Today, which noted that commuters spend about 36 hours a year stuck in traffic.
Car crashes: Major accidents have resulted in an average of more than 150 deaths a year in recent years (2012-2014).
Commuting: The average commute in Phoenix lasts 26 minutes.
Public transportation: The U.S. Census Bureau says that the majority of riders in Phoenix who commute to work by public transportation are white (about 35 percent), Hispanic (about 39 percent) and black (about 18 percent). The bureau notes that commuting is the main reason people turn to mass transit.
High Occupancy Vehicle rules: The HOV lane, also known as the carpool or diamond lane, is designed to reduce traffic congestion and promote ride-sharing on freeways. In Arizona, only vehicles with at least two people, mass transit vehicles like buses, and motorcycles are allowed to use the lanes. Use may be restricted during specified hours.
Smog rules: In Phoenix you must have a 1981 or newer vehicle tested for emissions every two years; 1980 vehicles and older (up to 1966) must be tested every year. Vehicles from 1966 and older are exempt from testing. After moving to Phoenix, the vehicle must be tested as part of the new registration process.
Bad intersection: Seventh Street and Bell Road is one of the worst intersections in the Phoenix area, according to a report from State Farm after an analysis of its accident claims.
The information was gathered from various sources, including the U.S. Census Bureau, the National Highway Traffic Safety Administration, Texas A&M Transportation Institute, the Insurance Institute for Highway Safety, state transportation departments and city police departments.
