Car Insurance Quotes in Phoenix

Drive confidently knowing that you're covered, having found the best car insurance quotes in Phoenix for you.
Compare, shop and customize quotes from top-rated insurance carriers.

Motoring Around the Valley of the Sun

With nearly 4,000 hours of bright sunshine annually, there's no shortage of things to do in Phoenix, Arizona, one of the sunniest cities on Earth. You can explore over 50 acres of breathtaking desert flora at the Desert Botanical Garden, root for the home team at an Arizona Diamondbacks game or hike to the top of Piestewa Peak for incredible views of the region.

With nearly 5 million people in Greater Phoenix, there are many vehicles on the streets of Phoenix. In 2022, urban areas were responsible for nearly 86% of the total collisions in Arizona. Almost two-thirds of the statewide fatal collisions occurred in cities with higher populations and therefore more drivers. Driving without insurance can be very costly, so getting the best car insurance quotes in Phoenix is critical. VIU by HUB is here to help.

Managing Driving Risks in Phoenix

Here are other driving risks in Phoenix to consider:

  • Construction: Phoenix is one of the fastest-growing cities. and with that growth comes significant road construction, including lane closures and traffic pattern disruptions.
  • Tourism: Phoenix is a popular tourist destination, leading to more drivers on the roads, including many unfamiliar with the area.
  • Extreme heat: Phoenix summers can be extremely hot, with temperatures regularly exceeding 100 degrees Fahrenheit, creating heat exhaustion and other health issues for motorists.
  • Dust storms: Dust storms occur in Phoenix. reducing visibility and making road conditions hazardous.
  • Wildlife: Local fauna such as javelinas, coyotes and snakes may wander onto roads and streets, causing accidents.

Understanding Car Insurance Requirements

By law, drivers in Arizona must have these minimum insurance coverage levels :

  • Bodily injury liability: Your policy must cover at least $25,000 per person and $50,000 per accident. This pays for injuries or death to others if you are at fault in a collision.
  • Property damage liability: You're required to cover at least $15,000 per accident to cover damaged property when you're at fault.

Responsible driving means being financially responsible. Minimum coverages are often insufficient in the case of a serious accident. Consider these other available coverages:

  • Collision: Covers repairs to your vehicle if damaged in a collision
  • Comprehensive: Covers losses and damages to your car due to theft, vandalism and other perils
  • Uninsured/Underinsured motorist: Covers injuries and property damage resulting from a collision with a driver who has no insurance or not enough insurance

No two drivers have the same exact same needs, so VIU by HUB helps you explore all your options, including analyzing car insurance quotes in Phoenix.

Getting Car Insurance in Phoenix

On average, Phoenix drivers pay around $1,810 per year for car insurance, exceeding the state and national averages of $1,470 and $1,548 respectively. Factors that influence your premium include these:

  • Age: Younger drivers have less experience and therefore pay higher premiums.
  • Marital status: Statistically, married motorists file fewer claims, leading to lower premiums.
  • Gender: Female drivers pay a little more for coverage in Phoenix.
  • Driving record: The cleaner your record, the lower your premium.
  • Credit score: Many insurers view your credit history as a measure of your reliability. This means that a higher credit score means a lower premium.
  • Location (ZIP code): Living in a more densely populated area puts you at higher risk of an accident, raising your premium.

Your car insurance quotes in Phoenix will also be impacted by available discounts, such as advanced vehicle safety features, multiple policies and defensive driving, among others. Count on VIU by HUB to help you figure out the right amount of coverage and the best policy for you and other drivers in your household.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


The Sunniest Cities in the World

Phoenix on Wikipedia

Arizona Motor Vehicle Crash Facts

5 million: Phoenix metro area tops population milestone, Census Bureau reports

Arizona Department of Emergency and Military Affairs: Dust Storms

Minimum coverage required for Arizona drivers

Car and Driver, Cost of Insurance in Phoenix, Arizona

Auto insurance in Arizona by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.