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Get Cheap Car Insurance in Downtown Phoenix, Phoenix, AZ

We monitor insurance prices, helping the average driver in Downtown Phoenix save up to 38.6% on car insurance.

 

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The Cheapest Minimum Coverage in Downtown Phoenix

The chart below shows the cheapest car insurance company in Downtown 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.

 
Downtown Phoenix Insurer Monthly Cost
Metromile $70
State Farm $70
Mile Auto $89
MetLife $89

Savings for Every Kind of Downtown Phoenix Driver

The table shows how much the average auto insurance customer in Downtown Phoenix might save by following our recommendations.

Based on our extensive insurance data, we know the average Downtown 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 $791 per year by choosing the right vehicle insurance company. Some Downtown Phoenix residents are paying out over $2,047 extra every year for auto insurance in Downtown Phoenix. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Downtown Phoenix, Phoenix, AZ Savings / Yr.
Drivers with good records
$791
Drivers with accidents
$703
Drivers with speeding tickets
$428
Drivers with a DUI conviction
$719
Young drivers
$2,281
Married drivers
$403
Drivers with bad credit
$1,131

Downtown Phoenix Car Insurance vs. Phoenix

People living in Downtown Phoenix pay an average of 12.86% more than the typical driver in the state. The average driver in Downtown Phoenix can expect to pay about $1,079 per year, or $2,047 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Downtown Phoenix for most people.

Car Insurance Prices by Downtown Phoenix Neighborhood

Downtown Phoenix, Phoenix, AZ map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Downtown Phoenix?

The map shows insurance prices in and around Downtown Phoenix, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $392 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,219 to a low of $1,827. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Downtown Phoenix.

Pick the Best Car Insurance Company for You in Downtown Phoenix

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Downtown Phoenix insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Downtown Phoenix

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $791 over the average Downtown Phoenix car insurance company.

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We use the average good driver, paying $105 per month, as our baseline for pricing in Downtown Phoenix. State Farm, Safeco Insurance, and Metromile are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Downtown Phoenix drivers with accidents on their records

In Downtown Phoenix getting into an accident will raise premiums an average 28% for a yearly cost of $2,861. That's $814 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Geico, and Nationwide are good choices for drivers with accidents.

In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $703 over the competition.

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The best car insurance company for Downtown Phoenix drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $428 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Downtown Phoenix, tickets raise premiums on new quotes about $412. If you have a speeding ticket, we recommend State Farm, Geico, and Nationwide for savings that beat the average insurance cost of $2,459 per year.

The best auto insurance for Downtown Phoenix drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,154 per year in auto insurance premiums, which was $1,107 more than a driver with no major issues. State Farm, Progressive, and American Family Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $719 less each year.

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The least expensive car insurance company for new and young drivers in Downtown Phoenix

In Downtown Phoenix, Geico costs young drivers $2,281 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 70% more for insurance than more mature drivers in Downtown Phoenix. With an average cost of $6,771 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and AAA try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Downtown Phoenix

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $211. State Farm, Geico, and Progressive provided the largest discounts to couples living in Downtown Phoenix.

State Farm gave the largest car insurance discounts to married couples, averaging $403 saved each year compared to an average Downtown Phoenix couple's premiums.

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The cheapest car insurance in Downtown Phoenix for drivers with bad credit

People with poor credit saved an average of $1,131 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,857 every year. Premiums for people with poor credit were about $3,904 in Downtown Phoenix. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and Nationwide.

The best Downtown Phoenix car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Downtown Phoenix, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Downtown Phoenix.

Nationwide was the best company for customer service in Downtown Phoenix according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Downtown Phoenix, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Downtown Phoenix. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Downtown Phoenix

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 76% of Downtown Phoenix residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downtown Phoenix driver can expect to pay about $130 per month.

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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 Downtown 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.
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Auto Insurance Prices in and Around Downtown Phoenix

What Influences the Cost of Car Insurance in Downtown Phoenix?

On average, car insurance in Downtown 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:

  • The average commute time in Downtown Phoenix is 32 minutes, which is a little more than average for a driver in the city.
  • 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 Downtown 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 C- according to CrimeGrade.org.
  • Downtown 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 Downtown Phoenix is $90 per month for minimum coverage and $171 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

Neighborhoods with Similar Populations

* Who is the average Downtown Phoenix driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Downtown Phoenix with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.