Phoenix is the fifth-largest city in the United States and one of the fastest-growing metros in America, home to approximately 1.6 million residents in the city and over 5 million in the Greater Phoenix area. The combination of rapid population growth, heavy freeway traffic on the I-10, I-17, and Loop 101, and Arizona's high uninsured motorist rate makes Phoenix auto insurance an important consideration for every driver.
In 2026, the average Phoenix driver pays approximately $1,850 per year for full coverage and around $555 per year for liability-only coverage.
Arizona Minimum Auto Insurance Requirements
- Bodily Injury Liability: $25,000 per person / $50,000 per accident
- Property Damage Liability: $15,000 per accident
Average Auto Insurance Rates in Phoenix by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 85003 | Downtown Phoenix | $2,100 | $630 |
| 85015 | Midtown Phoenix | $2,000 | $600 |
| 85032 | Paradise Valley area | $1,750 | $525 |
| 85040 | South Phoenix | $2,200 | $660 |
| 85051 | Northwest Phoenix | $1,800 | $540 |
Get Your Free Phoenix Auto Insurance Quote
Sewell Insurance Agency is licensed in Arizona and serves all of Maricopa County. Our licensed brokers will find you the best auto insurance rate for your Phoenix address.