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Get Cheap Car Insurance in Central Phoenix, Phoenix, AZ
We monitor insurance prices, helping the average driver in Central Phoenix save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in Central Phoenix
The chart below shows the cheapest car insurance company in Central Phoenix for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.
| Central Phoenix Insurer | Monthly Cost |
|---|---|
| Metromile | $68 |
| State Farm | $69 |
| Mile Auto | $87 |
| MetLife | $87 |
Savings for Every Kind of Central Phoenix Driver
Based on our extensive insurance data, we know the average Central Phoenix driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $776 per year by choosing the right vehicle insurance company. Some Central Phoenix residents are paying out over $2,007 extra every year for auto insurance in Central Phoenix. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Central Phoenix, Phoenix, AZ Savings / Yr. |
|---|---|
$776 |
|
$689 |
|
$419 |
|
$705 |
|
$2,236 |
|
$395 |
|
$1,109 |
Central Phoenix Car Insurance vs. Phoenix
People living in Central Phoenix pay an average of 10.64% more than the typical driver in the state. The average driver in Central Phoenix can expect to pay about $1,058 per year, or $2,007 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Central Phoenix for most people.
Car Insurance Prices by Central Phoenix Neighborhood
Insurance Prices
Where is insurance cheapest within Central Phoenix?
The map shows insurance prices in and around Central Phoenix, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $453 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,225 to a low of $1,772. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Central Phoenix.Pick the Best Car Insurance Company for You in Central Phoenix
The best car insurance provider for most drivers in Central Phoenix
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $776 over the average Central Phoenix car insurance company.
The best car insurance provider for Central Phoenix drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $689 over the competition.
The best car insurance company for Central Phoenix drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $419 better than other car insurance companies.
The best auto insurance for Central Phoenix drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $705 less each year.
The least expensive car insurance company for new and young drivers in Central Phoenix
In Central Phoenix, Geico costs young drivers $2,236 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Central Phoenix
State Farm gave the largest car insurance discounts to married couples, averaging $395 saved each year compared to an average Central Phoenix couple's premiums.
The cheapest car insurance in Central Phoenix for drivers with bad credit
The best Central Phoenix car insurance company for customer service
Nationwide was the best company for customer service in Central Phoenix according to the NAIC.
Recent price drops
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The cheapest large national provider in Central Phoenix
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Central Phoenix driver can expect to pay about $130 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Central Phoenix, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Central Phoenix
What Influences the Cost of Car Insurance in Central Phoenix?
On average, car insurance in Central Phoenix is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- Arizona state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Central Phoenix are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Central Phoenix is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Central Phoenix is $88 per month for minimum coverage and $167 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Encanto: Insurance costs 1.69% less
- Downtown Phoenix: Insurance costs 1.99% more
- Bronze Boot: Insurance costs 3.54% less
- Camelback East: Insurance costs 2.99% less
- Alahambra: Insurance costs 2.44% more
- South Mountain: Insurance costs 0.25% less
- South Phoenix: Insurance costs 0.90% more
- West Phoenix: Insurance costs 1.20% less
- Sunset: Insurance costs 8.22% less
- Cartwright: Insurance costs 3.04% more
Neighborhoods with Similar Populations
- Mott Haven: Insurance costs 76.83% more
- Far Northeast: Insurance costs 11.26% less
- Far Rockaway: Insurance costs 69.86% more
- Galleria-Uptown: Insurance costs 5.03% less
- Ahwatukee: Insurance costs 7.03% less
- West: Insurance costs 11.46% less
- Logan Square: Insurance costs 6.68% less
- Soundview: Insurance costs 76.78% more
- Mid Wilshire: Insurance costs 25.71% more
- Millcreek: Insurance costs 25.51% less