For a 40-year-old driver with a clean record, Phoenix car insurance averages about $252 a month ($3,024 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 22% above the Arizona average of $206 a month. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $202 a month.
Phoenix and Glendale are effectively tied as the most expensive of the seven Arizona cities we publish guides for, and Maricopa County is the most expensive of the 14 Arizona counties we price. Our benchmark driver pays about $46 a month more here than the state average and about $61 a month more than in Tucson.
Our data covers 41 ZIP codes with a Phoenix mailing address, and prices vary widely across them, from about $210 a month in 85086 to $296 in 85031.
Cost data comes from the auto rates insurers file with state regulators, priced across all 41 Phoenix ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Phoenix averages $3,024 a year, or about $252 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,239 a year ($103 a month), and 50/100/50 liability with comprehensive and collision averages $2,673 ($223 a month).
Progressive has the lowest full-coverage average among the three insurers in our Phoenix rate data. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts Progressive first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these three insurers, at about $85 a month, with GEICO close behind at $91.
Full-coverage averages by insurer in Phoenix
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $1,021 | $85 | $2,428 | $202 |
| GEICO | $1,090 | $91 | $2,565 | $214 |
| Allstate | $1,607 | $134 | $4,079 | $340 |
| State Farm (Nov. 2025 rates)* | $1,162 | $97 | $3,424 | $285 |
| Travelers* | $1,093 | $91 | $2,390 | $199 |
| USAA (military families)* | $1,015 | $85 | $2,583 | $215 |
| Auto-Owners* | $1,158 | $97 | $2,802 | $234 |
| Nationwide* | $2,304 | $192 | $3,212 | $268 |
| Phoenix average | $1,239 | $103 | $3,024 | $252 |
This table uses Phoenix ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 41 Phoenix ZIP codes we price, full coverage for our driver ranges from about $210 a month in 85086 to $296 in 85031, a gap of $1,029 a year. North Phoenix and Ahwatukee ZIP codes such as 85044, 85054 and 85086 are the least expensive in our data, and west Phoenix ZIP codes around Maryvale, such as 85019, 85031 and 85035, are the most expensive.
Lowest-priced Phoenix ZIP codes
Highest-priced Phoenix ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Phoenix’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 85003 | $1,244 | $104 | $3,079 | $257 | +2% |
| 85004 | $1,277 | $106 | $3,131 | $261 | +4% |
| 85006 | $1,269 | $106 | $3,107 | $259 | +3% |
| 85007 | $1,273 | $106 | $3,182 | $265 | +5% |
| 85008 | $1,186 | $99 | $2,924 | $244 | -3% |
| 85009 | $1,397 | $116 | $3,465 | $289 | +15% |
| 85012 | $1,234 | $103 | $3,057 | $255 | +1% |
| 85013 | $1,273 | $106 | $3,130 | $261 | +4% |
| 85014 | $1,224 | $102 | $2,991 | $249 | -1% |
| 85015 | $1,340 | $112 | $3,292 | $274 | +9% |
| 85016 | $1,133 | $94 | $2,816 | $235 | -7% |
| 85017 | $1,419 | $118 | $3,471 | $289 | +15% |
| 85018 | $1,072 | $89 | $2,640 | $220 | -13% |
| 85019 | $1,428 | $119 | $3,496 | $291 | +15% |
| 85020 | $1,246 | $104 | $3,012 | $251 | About average |
| 85021 | $1,303 | $109 | $3,164 | $264 | +5% |
| 85022 | $1,200 | $100 | $2,867 | $239 | -5% |
| 85023 | $1,261 | $105 | $3,062 | $255 | +1% |
| 85024 | $1,158 | $97 | $2,741 | $228 | -10% |
| 85027 | $1,211 | $101 | $2,862 | $239 | -5% |
| 85028 | $1,128 | $94 | $2,714 | $226 | -10% |
| 85029 | $1,322 | $110 | $3,198 | $267 | +6% |
| 85031 | $1,451 | $121 | $3,553 | $296 | +17% |
| 85032 | $1,134 | $95 | $2,684 | $224 | -11% |
| 85033 | $1,384 | $115 | $3,396 | $283 | +12% |
| 85035 | $1,412 | $118 | $3,500 | $292 | +16% |
| 85037 | $1,322 | $110 | $3,251 | $271 | +8% |
| 85040 | $1,256 | $105 | $3,103 | $259 | +3% |
| 85041 | $1,329 | $111 | $3,316 | $276 | +10% |
| 85042 | $1,253 | $104 | $3,119 | $260 | +3% |
| 85043 | $1,367 | $114 | $3,383 | $282 | +12% |
| 85044 | $1,048 | $87 | $2,539 | $212 | -16% |
| 85045 | $1,104 | $92 | $2,653 | $221 | -12% |
| 85048 | $1,079 | $90 | $2,631 | $219 | -13% |
| 85050 | $1,076 | $90 | $2,591 | $216 | -14% |
| 85051 | $1,414 | $118 | $3,428 | $286 | +13% |
| 85053 | $1,270 | $106 | $2,986 | $249 | -1% |
| 85054 | $1,038 | $87 | $2,538 | $212 | -16% |
| 85083 | $1,136 | $95 | $2,716 | $226 | -10% |
| 85085 | $1,115 | $93 | $2,689 | $224 | -11% |
| 85086 | $1,026 | $86 | $2,524 | $210 | -17% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $351 a year on average in our Phoenix data, with the same $500 deductibles. That’s about $29 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the same insurers in the same Phoenix ZIP codes, full coverage averaged $3,160 a year nine months earlier and $3,024 in rates as of Aug. 31, 2026, a 4.3% drop. Progressive cut its Phoenix average 18.2%, while Allstate raised its average 3.3%; GEICO’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Rates for liability-only coverage at 15/30/10 limits were roughly flat.
Maricopa County averages about $227 a month for full coverage in our data, the highest of any Arizona county. Pinal County, to the southeast, averages $197, and Pima County, home to Tucson, $189.
Within the Valley, the West Valley and central Phoenix cost the most: Tolleson averages about $271 a month and Glendale $250, while Scottsdale averages $198 and Tempe $209. Prices vary by ZIP code in our Arizona data, so neighboring cities can be priced differently.
More Arizona cities and towns are in the Arizona rates by city table, and you can compare states on our car insurance rates by state page.
Glendale, just northwest of the city, averages $250 a month, and Scottsdale, about nine miles east, $198. Mesa averages $210 and Tucson $191.
Drivers in Phoenix follow Arizona’s rules. Every policy must include at least:
Insurers must offer uninsured and underinsured motorist coverage in writing, but you can turn it down. Our Arizona requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Arizona law and the Arizona Department of Insurance and Financial Institutions. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Phoenix averages about $252 a month ($3,024 a year) and liability-only coverage at 15/30/10 limits about $103 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 22% above the Arizona average of $206 a month.
Progressive has the lowest full-coverage average in our Phoenix rate data, at about $202 a month, with GEICO close behind at $214. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average, at about $85 a month. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
In our data, Phoenix full coverage averages about $252 a month, 22% above the Arizona average. Maricopa County is the most expensive of the 14 counties we price, and prices are highest in west Phoenix, at about $296 a month in 85031.
In our data, 85086 has the lowest full-coverage average in Phoenix, at about $210 a month, and 85031 the highest, at about $296. The ZIP code table on this page lists all 41.
In our Phoenix data, full coverage (100/300/100 with $500 deductibles) averages about $252 a month and liability-only coverage at 15/30/10 limits about $103, a difference of about $149 a month ($1,785 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Arizona law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Phoenix full coverage fell 4.3% over the past nine months, from about $3,160 to $3,024 a year. Progressive cut its Phoenix average 18.2%, while Allstate raised its average 3.3%. Liability-only coverage at 15/30/10 limits was about unchanged.
For our benchmark driver, full coverage in Phoenix averages about $252 a month. Nearby, Glendale averages about $250, Scottsdale about $198 and Mesa about $210. Glendale, Scottsdale and Mesa are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
