Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Jul 14, 2021

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City Population1,626,078
City Density3,424 people per square mile
Average Cost of Car Insurance$4,053.68
Cheapest Car Insurance CompanyGEICO
Road ConditionsPoor: 23%
Mediocre: 29%
Fair: 20%
Good: 27%
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Welcome to Phoenix, capital of Arizona and hub of the Valley of the Sun.

The Phoenix-Mesa-Scottsdale metropolitan area is one of the fastest-growing regions in the United States.

But it wasn’t always that way. For centuries, the region was sparsely inhabited. The City of Phoenix itself wasn’t even incorporated until 1881, and for decades it still remained a fairly wild outpost of the Wild West.

Cut to a century later, and Phoenix was booming. Today it is the fifth-largest city by population in the United States, on track to be the fourth-largest by the 2020 census.

So, why do folks love Phoenix so much?

From an avid arts scene to several hubs of technological innovation. From fanatical sports culture to outdoor adventures at every turn, Phoenix has something to offer everyone.

Phoenix is home to the largest municipal park in North America. South Mountain Park and Preserve covers more than 16,500 acres and has more than 50 miles of hiking, biking and equestrian trails.

Phoenix is one of the few cities in the United States with franchises in all four major professional sports leagues, including the Phoenix Suns (NBA), Arizona Diamondbacks (MLB), Arizona Cardinals (NFL) and Arizona Coyotes (NHL).

Phoenix is the hometown of rockstar Stevie Nicks, Wonder Woman Lynda Carter, and writer Jeannette Walls.

And Phoenix has become the hometown of many tech companies, airlines, luxury hoteliers and golf juggernauts. In short, Phoenix is rising.

Whether you’re a long-time resident or new to the Valley of the Sun, we’ve created this guide to help you navigate car insurance in the great city of Phoenix, Arizona.

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Table of Contents

The Cost of Car Insurance in Phoenix

In 2013, the City of Phoenix adopted a new vision statement: “We will make Phoenix a great place to live, work and visit by fostering a dynamic and sustainable environment with exceptional public services.” The city is making many public efforts to improve infrastructure and the overall quality of life for its many residents.

Phoenix is a great place to live, it’s true. That’s in large part why it’s quickly become one of America’s largest metros.

Now let’s learn more about buying insurance in the Valley of the Sun.

Male vs. Female vs Age

You might have heard that men and women pay different amounts for car insurance.

Often, sadly, they do. In most places, men will pay more than women, especially teenage men, who can pay substantially more than their female peers.

But you should also know: except for teenage drivers, the car insurance premium gender gap is small and decreases with both age and marital status.

DataUSA reports that the median age of Phoenix residents is 33.8 years old.

The table below provides the average car insurance premiums for Phoenix residents of various genders, ages, and marital status.

DemographicAverage Premium
Single 17-year old female$9,240.33
Single 17-year old male$10,971.25
Single 25-year old female$3,235.53
Single 25-year old male$3,534.14
Married 35-year old female$2,961.25
Married 35-year old male$2,971.16
Married 60-year old female$2,697.88
Married 60-year old male$2,797.67
Overall Average$4,801.15
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But did you know that your ZIP code can also affect your car insurance premiums? Where you live in Phoenix might mean you pay more or less than other city residents.

Cheapest ZIP Codes in Phoenix

It’s true: your car insurance premium can vary not only by what city you live in, but also by where you live within that city.

And Phoenix is huge, with 49 ZIP codes representing distinct neighborhoods and parts of the city.

The cheapest car insurance premiums on average can be found in Phoenix ZIP code is 85086. This beautiful area on the north side of Phoenix includes parts of the Phoenix Sonoran Preserve and the Cave Buttes Recreation Area. It’s also home to the Pioneer Living History Museum, a step back to living in 1800’s Phoenix.

The United States Postal Service reports that 40,495 people reside in 85086, with a fairly pricey median home value of $252,200.

People living in 85086 can expect to pay an average of $4,053.68 yearly for their car insurance.

The table below shows you the average car insurance premiums for Phoenix by ZIP code.

ZIP CodeAverage Premium
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But who do folks say is the best car insurance company in Phoenix?

What’s the best car insurance company in Phoenix?

Folks in Phoenix might say the Phoenix Suns are the best team in the NBA.

And though they have never won a national championship, the Phoenix Suns have brought the NBA playoffs to Talking Stick Resort Arena 29 times.

But who do residents in the Valley of the Sun say is the best car insurance company?

That depends in large part on what you want and need from your insurer.

When shopping for car insurance, the key issues you need to prioritize include:

  • The level of insurance coverage you need,
  • The amount of money you can afford to pay for your car insurance premium, and
  • The type of insurance company you want to do business with.

In the sections below, we’ll cover the factors that can help you figure out the best Phoenix car insurance company for you and your family.

Cheapest Car Insurance Rates by Company

You might be wondering: is the cheapest car insurance company the best car insurance company? Not always, but that doesn’t mean a cheaper provider is a bad provider either.

In Phoenix, GEICO is likely to be your cheapest car insurance provider.

The table below offers the average premiums for Phoenix’s nine biggest car insurance companies.

CompanyAverage Premium
American Family$4,946.51
State Farm$6,279.06
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When you are researching car insurance providers, make sure to ask about discounts, incentives or promotions that each company might offer to save you money on your policy.

Phoenix is spread out, to say the least, so let’s take a look at how your commute distance can affect your car insurance rates as you drive across the Valley of the Sun.

Best Car Insurance for Commute Rates

Looking at a map, it’s easy to see: the Phoenix-Mesa-Scottsdale metro area is huge.

So, how far do you drive to work each day?

And did you know that the length of your daily commute can affect your car insurance premium?

No matter your commute, however, GEICO will probably be the most affordable car insurance provider for you in Phoenix.

The table below provides average premiums for Phoenix’s top insurers based on both a 10- and 25-mile average commute. So whether you’ve got a very short or an average commute, these figures can help you estimate what your yearly car insurance premium might be.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average Premium
American Family$4,899.30$4,993.72$4,946.51
State Farm$6,117.42$6,440.69$6,279.06
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According to DataUSA, folks in Phoenix have an average commute of 24.8 minutes each way — just below the national average of 25.1 minutes.

But you might be asking: how much car insurance do I need anyway? Do you need a little or a lot? It’s an important question to ask as you begin shopping for car insurance.

Best Car Insurance for Coverage Level Rates

It’s common sense: the more car insurance you need, the higher your premium will be. Or at least that’s common sense as we live under this thing we call capitalism.

In Phoenix, whether you need a high, medium, or low level of car insurance, GEICO is still likely to be your cheapest provider.

The table below provides average rates for Phoenix’s biggest car insurers by coverage level, including high, medium, and low coverage.

American Family$4,975.42$5,103.98$4,760.14$4,946.51
State Farm$6,816.24$6,405.74$5,615.20$6,279.06
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Did you also know that your credit history is one of the key factors car insurance companies use to determine your car insurance premium?

Best Car Insurance for Credit History Rates

You might be surprised to learn that your credit history can affect your car insurance premiums.

But stop and think about it: our credit history affects so many parts of our lives, from buying a home to even, in some cases, getting a job.

This short video offers a great explanation as to how and why credit scores affect car insurance premiums.

Phoenix residents have an average Vantage credit score of 654, below both the national average of 673 and Arizona’s state average of 679.

But whether you have good, fair, or poor credit, GEICO is still likely to be your cheapest provider in the Valley of the Sun.

The table below offers average premiums in Phoenix for those with good, fair, and poor credit histories.

American Family$3,993.23$4,632.34$6,213.97$4,946.51
State Farm$2,796.19$4,471.16$11,569.83$6,279.06
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What affects your car insurance premium even more than your credit history?

Your driving record and that’s a factor that can worry a lot of people.

Best Car Insurance for Driving Record Rates

Do you have a spotless driving record? Most of us don’t. You might have a speeding ticket, an accident, or even a DUI in your past.

But you should know: not all violations affect your car insurance premium in the same way.

Our research shows that whether you have a DUI, an accident, or a speeding ticket in your past, GEICO is still likely to be your cheapest car insurance provider in Phoenix, Arizona.

The following table provides the average rates for drivers of various histories in the city of Phoenix.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
American Family$3,525.12$4,091.37$5,384.00$6,785.55$5,231.56
State Farm$5,700.86$6,279.06$6,857.25$6,279.06$6,279.06
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We’ve found that even if you’ve had a speeding ticket, accident, or DUI, a driving course can often help negate increases in your car insurance premium.

The best courses to look for are defensive driving, advanced driving and DUI awareness courses. If in doubt, you can check with your insurance company to see what they consider to be important and if there are any limitations.

But what if your driving record makes it impossible for you to find car insurance you can afford? Keep in mind, you’re not alone. The Insurance Information Institute provides this helpful guide to help you explore your options, many of which are public and backed by the state.

Now let’s take a look at some of the specific regional factors that can affect how much you end up paying your car insurance provider for coverage, from Phoenix’s growth rates to its rates of poverty.

Car Insurance Factors in Phoenix

As Phoenix continues to grow, the city is forging forward into the future.

In the sections below we’ll cover some of the factors of this growth.

These factors can affect your car insurance premiums in surprising ways, so it’s important to know about changing demographics in the booming Valley of the Sun.

Metro Report – Growth & Prosperity

You’re probably not surprised to learn that Phoenix is a prospering city.

Thus, it’s not surprising that The Brookings Institute finds more than people are moving to this sun-soaked mecca.

The figures below reflect Brookings’ most recent findings on issues of both growth and prosperity in the Phoenix-Mesa-Scottsdale, AZ, metropolitan statistical area. (And by the way, that area is home to 4.74 million people!)


  • Jobs: +2.8 percent (12th of 100)
  • Gross metropolitan product (GMP): +3.3 percent (23rd of 100)
  • Jobs at young firms: +7.9 percent (16th of 100)


  • Productivity: +0.5 percent (67th of 100)
  • Standard of living: +1.4 percent (58th of 100)
  • Average annual wage: +1.2 percent (38th of 100)

With the twelfth-best annual job growth for any metro area in the United States, it’s a safe bet that Phoenix and her surrounding areas will continue to grow rapidly.

Median Household Income

Phoenix incomes are growing, too.

According to DataUSA, “households in Phoenix, AZ have a median annual income of $56,696, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $52,062 in 2016, which represents 8.9 percent annual growth.”

With an average annual car insurance premium of  $4,053.68, residents of Phoenix spend a whopping average of 13.98 percent of their annual income on car insurance. That’s way above the national average, but perhaps the cost of living in this great modern city.

Use the handy calculator below to see what percent of your income could go to car insurance.


Homeownership in Phoenix

In 2017, Phoenix’s median home value was spot-on with the national median home value of $231,000.

Folks in Phoenix are about evenly split when it comes to buying or renting a place to live. According to DataUSA, “in 2017, 56.1 percent of the housing units in Phoenix, AZ were occupied by their owner. This percentage grew from the previous year’s rate of 53 percent. This percentage of owner-occupation is lower than the national average of 63.9 percent.”

Education in Phoenix

Phoenix is a growing educational hub.

According to DataUSA, “in 2016, universities in Phoenix, AZ awarded 39,370 degrees.” That’s a whole small city of new college graduates.

Non-profit universities in Phoenix include Grand Canyon University, Arizona State University-Downtown Phoenix, and Phoenix College. Area community colleges include Paradise Valley Community College, GateWay Community College, and South Mountain Community College.

Wage by Race & Ethnicity in Common Jobs

Unfortunately, wages by race and ethnicity are not tracked on the city level for Phoenix. DataUSA, however, offers the average salaries by race and ethnicity for the top five job types in the state of Arizona. Asians are the highest paid race/ethnicity across the state, followed by Whites and Native Americans.

Wage by Gender in Common Jobs

Like wages by race, wages by gender are not tracked on the city level for Phoenix by DataUSA either. However, the collected data shows that men tend to make 1.3 times more than women in Arizona.

Poverty by Age and Gender

Whereas the national average of people living in poverty is 13.4 percent, Phoenix has a relatively high poverty rate of 20.9 percent.

Women ages 25-34 make up a disproportionate amount of the people living below the poverty line in Arizona’s capital city.

Poverty by Race & Ethnicity

Whites comprise the largest population living below the poverty level in Phoenix, closely followed by Hispanics.

Employment by Occupations

According to DataUSA, “the most common job groups, by number of people living in Phoenix, AZ, are Office & Administrative Support Occupations (115,878 people), Sales & Related Occupations (85,989 people), and Management Occupations (83,239 people).”

Start your search for car insurance in Phoenix, Arizona today by entering your zip code below.

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Driving in Phoenix

Driving through Arizona’s Valley of the Sun is a breathtaking experience.

Surrounded by beautiful mountains and often surprisingly lush desert landscapes, Phoenix sits in one of the United States’ most picturesque regions.

Did you know that your area’s road conditions, traffic congestion, and driving laws can all affect your car insurance premiums? That’s especially true in a region like Phoenix-Mesa-Scottsdale, with its wide swath of urban sprawl.

In the sections below, we’ll provide you with some of the best information about driving safely in gorgeous Phoenix.

Roads in Phoenix

We know people in Phoenix drive a lot.

So, you might be wondering, what kind of roads do they have to work with?

Major Highways in Phoenix

Interstate 10 runs right through the middle of the Valley of the Sun.

And with several major airports within arms’ reach of Phoenix, the city has a lot of busy highways, evidenced by the map below.

phoenix az highway map

Lucky for Phoenix residents, Arizona currently has no toll roads, making driving in the region much cheaper than say, a certain coastal state just to Arizona’s west.

One thing to keep in mind: most car insurance companies offer some sort of towing coverage, which can come in handy if you find yourself in an accident or with a broken-down car on one of the Valley of the Sun’s busy roads.

Different companies handle towing coverage differently, however, so you should always check with your insurer to confirm exactly how towing is handled.

Popular Road Trips/Sites

So what is there to do in and around Phoenix, Arizona?

The short answer: a lot.

We love the South Mountain Park and Preserve, which at 16,000 acres is the largest municipal park in the country.

The Musical Instrument Museum offers one of the most unique museum experiences in the world.

And no visit to the city is complete without a night out in Phoenix’s Heritage Square, home to a variety of unique cafes, bars, and boutiques housed in a collection of preserved 19th- and 20th-century homes and commercial buildings.

The Valley of the Sun region holds a plethora of outdoor adventures for everyone, such as the Red Mountain Trail.

Does Phoenix use speeding or red light cameras?

Yes. The City of Phoenix has a comprehensive Red Light Camera Enforcement Program. Tickets resulting from these cameras will mean a fine and points on your driving record, which raises your car insurance premium.

Phoenix’s speeding and red light cameras are located at the following intersections:

  • 35th Avenue & Cactus Road
  • 35th Avenue & Glendale Avenue
  • 16th Street & Jefferson Street
  • Tatum Boulevard & Thunderbird Road
  • 67th Avenue & McDowell Road
  • Central Avenue & McDowell Road
  • 53rd Avenue & Indian School Road
  • 50th Street & Ray Road
  • 7th Street & Bell Road
  • 12th Street & Camelback Road
  • 35th Avenue & McDowell Road
  • 24th Street & Thomas Road​

What is the driving culture in Phoenix, Arizona, like anyway? Read on to find out.

Vehicles in Phoenix

If you call Phoenix, Arizona, home, chances are you live in a two-car household, have a commute just under 25 minutes each way, and drive alone to work.

In the sections below, we’ll look at the particulars of Phoenix’s car culture.

How many cars per household

Around 41 percent of Phoenix, Arizona, households own two vehicles. Nearly 25 percent own one vehicle and 20 percent own three.

Households without a Car

About 3 percent of Phoenix households don’t have a vehicle.

Speed traps in Phoenix

Not surprising given its size and rates of congestions, residents report that Phoenix is home to some of the worst speed traps in the state of Arizona. Many of these speed traps lie along the busy Interstate 10 corridor.

But what is a speed trap in the first place? Check out the short video below to find out more.

Speedtrap or no speedtrap, however, it’s always important to drive at a safe and legal speed.

Follow posted speed limits to keep you and your family safe… and your car insurance premiums low.

Vehicle Theft in Phoenix

In 2017, the FBI reported7,653 vehicle thefts in the city of Phoenix, more than any other city in the state.

According to NeighborhoodScout, crime is high in Phoenix. 93 percent of cities in the United States are safe than Arizona’s capital, which has a violent crime rate of 7.69 per 1,000 residents.

But what’s the traffic situation like in Phoenix?

Traffic in Phoenix

As we’ve talked about above, Phoenix is part of a heavily populated — and thus, often congested — metropolitan area.

Traffic Congestion

Phoenix is the 22nd most congested city in the United States. INRIX reports that folks in this region spend, on average, 73 hours or more in congestion per year, with an average cost of $1,013 per commuter because of traffic congestion.

According to monitoring organization TomTom, drivers face an average congestion level of 17 percent. This leads to residents spending an extra 10 minutes in congestion during the peak morning commute period, and an extra 11 minutes during the peak evening commute window.

According to Numbeo, those living in the Valley of the Sun face a traffic index of 147.01, a time index of 31.85 minutes, and an inefficiency index of 161.87.


According to data from DataUSA, residents of Phoenix have a fairly average commute time at 24.8 minutes each way” vs. the national average of 25.1 minutes.

They also report that “in 2017, the most common method of travel for workers in Phoenix, AZ was Drove Alone (74.1 percent), followed by those who Carpooled (13.3 percent) and those who Worked At Home (5.67 percent).”

How safe are Phoenix’s streets and roads?

Though the National Highway Traffic Safety Administration doesn’t track city-specific roadway safety statistics, they do provide county-wide statistics for Maricopa County, which includes the city of Phoenix.

In 2018, 490 fatalities were recorded on the county’s streets.

The table below provides the number of fatalities in Maricopa County by crash and person type from 2014 to 2018.

Fatality Type20142015201620172018
Total Fatalities (All Crashes)367405478462490
Alcohol-Impaired Driving (BAC=.08+)
Single Vehicle Crash Fatalities206200258239289
Large Truck Involved Crash Fatalities2821303833
Speeding Involved Crash Fatalities111132148138131
Rollover Involved Crash Fatalities6569886267
Roadway Departure Involved Crash
Intersection (or Intersection Related)
Crash Fatalities
Passenger Car Occupant Fatalities103126121120140
Light Truck Occupant Fatalities5167977671
Motorcyclist Fatalities7688878481
Pedestrian Fatalities9197131138160
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Allstate America’s Best Drivers Report

When it comes to “best drivers,” Phoenix could be doing better.

According to Allstate America’s Best Drivers Report for 2019, Phoenix ranked as the 82nd safest driving city in the United States.

On average, residents of the city also went around 9.3 years between filing each car insurance claim.


According to RideGuru, the following rideshare services are available in the city of Phoenix:

  • Blacklane
  • Carmel
  • Lyft
  • SuperShuttle
  • TotalRide
  • Traditional taxis
  • Uber
  • Zum

Lyft, Uber, TotalRide and traditional taxis are available to pick you up from or take you to the area’s airports, including Phoenix Sky Harbor International Airport (PHX).

Weather in Phoenix

There’s a reason Phoenix is at the center of the Valley of the Sun.

Phoenix gets an average of  3,832 hours of sunshine a year, and only 36 days of rain.

The table below offers some of the city’s annual atmospheric averages.

Atmospheric ConditionYearly Average
Annual high temperature:86.7°F
Annual low temperature:63.4°F
Average temperature:75.05°F
Average annual precipitation - rainfall:8.04 inch
Days per year with precipitation - rainfall:36 days
Annual hours of sunshine:3832 hours
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Public Transit in Phoenix

Phoenix is the central hub of the Valley Metro public transportation system, which covers over 513 square miles around the metropolitan area.

Valley Metro provides transportation for residents of Avondale, Buckeye, Chandler, El Mirage, Fountain Hills, Gilbert, Glendale, Goodyear, Maricopa County, Mesa, Peoria, Phoenix, Scottsdale, Surprise, Tempe, Tolleson, Wickenburg and Youngtown.

Their system includes:

  • Local, Express and RAPID commuter bus service
  • Light rail
  • Neighborhood circulators
  • Rural route
  • Paratransit service
  • Vanpool service
  • Commuter programs

With fairly affordable fares, you can check out how much your trip will cost through Valley Metro’s comprehensive fare guide.

Parking in Phoenix

The City of Phoenix’s Downtown Association provides a great guide to parking downtown, allowing you to search for the closest available parking to your favorite restaurant, bar or other hot spots.

Air Quality in Phoenix

The Environmental Protection Agency (EPA) provides air quality reports for all cities and counties across the nation. The agency designates an area’s air quality as good, moderate, unhealthy for certain groups, unhealthy, and very unhealthy for every day of the year.

Air quality in Phoenix is a problem, we’re sad to report.

The EPA designates the vast majority of days as moderate, but Phoenix and the surrounding region see a high number of unhealthy and very unhealthy days, too.

The table below shows the number of days in Phoenix with each EPA designation for the years 2016 to 2018.

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According to DataUSA, “Phoenix, AZ has a large population of military personnel who served in Vietnam, 1.67 times greater than any other conflict.”

Luke Air Force Base is a major installation just northwest of Phoenix.

Our research shows that many car insurance companies offer discounts to either active or retired military personnel, including Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Safe Auto, Safeco, State Farm, and The General.

USAA is consistently ranked as one of the best auto insurance companies, and they insure only military personnel, active or retired, and their immediate family members.

Unique City Laws

Though Phoenix doesn’t have any laws that surprised us, the State of Arizona has some, um, “special” laws that you should know about. Many of these are outlined in the great video below.

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Phoenix Car Insurance FAQs

Do you now have a good grasp of the types of car insurance options available to you in the Valley of the Sun?

We also want to help you make Phoenix feel like home.

Here are some of the questions asked most by new and soon-to-be residents.

Who handles the utilities in Phoenix?

The City of Phoenix provides both water and trash/recycling services for its residents.

Two service providers power the city with electricity: Salt River Project (SRP) and Arizona Public Service (APS).

Gas services can be set up through Southwest Gas.

The city offers this helpful guide to setting up utility services and preparing for your move to Phoenix more generally.

Do I need to get a resident parking permit?

Not exactly. The city does offer permits for certain high-density neighborhoods but explains that “purchasing parking permits is purely optional.

You may decide to purchase the annual parking permit which will allow you to park on the street during restricted hours, or you may decide not to purchase the annual parking permit and refrain from parking on the street during restricted hours.”

For more information on the residential parking system, check out the city’s website.

 What are the state minimums for car insurance in Arizona?

Arizona requires drivers to have car insurance that meets or exceeds the following minimum coverage levels:

  • Bodily injury liability coverage: Minimum $15,000 per person / $30,000 per accident
  • Property damage liability coverage: Minimum $10,000
  • Uninsured motorist bodily injury coverage: Minimum $15,000 per person / $30,000 per accident
  • Underinsured motorist bodily injury coverage: Minimum $15,000 per person / $30,000 per accident

What are the teenage driving laws in Arizona?

According to the Law Offices of Brian D. Sloan, Arizona’s “teen drivers are eligible for a graduated or an instructional driving permit. For a driver to be able to qualify for the graduated permit in Arizona, they must be at least 15 years and six months of age. The teen applicant is also required to pass the necessary written tests.”

Importantly, they also note that “any teen driver holding a graduated permit in Arizona is to be accompanied by a class A, B, C, or D licensed driver, with the licensed driver sitting in the passenger seat next to the teen driver.”

You might also be wondering: at what age does my child get cut off my car insurance?

There is no specific age limit set by car insurance companies as to when a person needs their own policy. Instead, insurance companies limit their policies to households. All people living within a home who have access to a vehicle and are related to the policyholder through blood or marriage can be covered by a single insurance policy.

What’s the sales tax like in Phoenix?

Phoenix has a total sales tax of 8.6 percent, which consists of 5.6 percent Arizona state sales tax, 0.7% Maricopa County sales tax and 2.3% City of Phoenix tax.

Where is the airport?

Good question! Three major airports serve the Valley of the Sun. These include:

  • Phoenix Sky Harbor International Airport (PHX)
  • Phoenix-Mesa-Gateway Airport (AZA)
  • Scottsdale Airport (ZSY)

PHX is a hub for both Southwest Airlines and American Airlines, with direct flights all over the globe.

What cities make up the Phoenix Metropolitan Area?

The Phoenix Metro Area is, quite literally, huge. There are 9 cities alone with a population of over 100,000 people. These cities include:

  • Phoenix
  • Mesa
  • Chandler
  • Scottsdale
  • Glendale
  • Gilbert
  • Tempe
  • Peoria
  • Surprise

Is there really anything to do in Phoenix?

Obviously! From fine, eclectic cuisine to historic cathedrals to outdoor adventure, Phoenix has a lot to offer for a weekend (or a lifetime).

Just check out the video below for some of the hotspots not to be missed.

Now that you understand the basics of driving, living, and working in this gem in the Valley of the Sun, it’s time to put your knowledge to work by getting the best deal on your car insurance.

We know understanding car insurance is no simple task, but by carrying some basic knowledge, you are better equipped to handle the challenges it brings.

And that’s why we created this guide: to help you obtain that basic knowledge.

What part of this Phoenix car insurance guide was the most helpful?

Was there something we could explain better so that you can make a better car insurance decision?

To get started on finding the best car insurance rates in Phoenix, Arizona, for you and your family, just enter your ZIP code below.