🚗 Car insurance cost in Phoenix, AZ (2026)
Estimated average: $2,649 per year — +23% vs. the U.S. average of $2,150.
$2,649
Est. car insurance in Phoenix
per year
$2,365
Arizona average
$2,150
U.S. average
1,650,070
Population
Estimate your car insurance in Phoenix
Phoenix car insurance estimator
Estimated$4,636/year
Starts from the Phoenix estimate. Get quotes to confirm your price.
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.