Car Insurance in Phoenix, AZ
Not every Phoenix driver puts the same miles in. Maybe you work from home, or maybe the 10 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Phoenix?
The average estimated cost of Lemonade car insurance in Phoenix ranges from roughly $2,400 to $2,460 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Phoenix?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Phoenix?
Every Phoenix driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what the state requires.
| Required minimum coverages for Arizona drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000 (per person)/ $50,000 (per accident) |
| Property damage liability | $15,000 |
What additional car insurance coverages
does Lemonade offer in Phoenix?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read moreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash- like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreExtended glass coverage
Can help cover the costs to replace your windshield, your sunroof, and your backglass-with a $0 deductible.
Read moreWhat’s the best car insurance in Phoenix?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Drive a Tesla in Phoenix? This one’s for you.
Lemonade Autonomous Car insurance rewards safer driving. Every mile with Full Self-Driving costs 50% less, automatically, once your Tesla and Lemonade apps are paired.
Connect your Tesla
Connect our app to your car and unlock amazing discounts and functionality
Pay less when you're not driving
Low base rate when your car doesn't move, and a few cents per mile when it does
50% off FSD miles!
We charge you half the price for every FSD mile driven
What are Phoenix drivers driving?
Next time you’re stuck on the 10 through the Papago Freeway corridor, play along.
Here are the nine makes you’re most likely to spot on Phoenix roads, according to our data.
Phoenix drivers, by the numbers
Phoenix roads have a story to tell. Here’s what our data found.
Beyond Phoenix: car insurance across Arizona
Phoenix Arizona car insurance FAQs
What type of coverage is best for dealing with Phoenix’s dust storms?
Comprehensive coverage is vital for protecting your vehicle from damage caused by dust storms, such as cracked windshields or debris damage. Including extended glass coverage in your policy can be particularly beneficial.
What should drivers in Phoenix consider during peak commuting hours?
With heavy congestion during rush hour, it’s vital to have robust collision and liability coverage to safeguard against accidents. Policies with rental car reimbursement can also help drivers seamlessly address repairs.
What happens if I don’t have the minimum car insurance coverage required in Phoenix?
Driving uninsured in Phoenix can result in fines ranging from $500 to $1,000. Additionally, your driver’s license, registration, and license plates could be suspended, and you may need to file an SR-22 to prove future insurance compliance. Keeping your coverage up to date helps you avoid these costly penalties and inconveniences.
Is Arizona an at-fault state?
Yes, Arizona is an at-fault state, which means that in Phoenix, if you’re responsible for an accident, you’re required to pay for the damages. This could be done through your car insurance or directly out of pocket.
How can I lower my car insurance premium in Phoenix?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Phoenix that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts-like the three year safe driving discount, or the five year accident free discount.
Reddit asked, we answered
How much liability car insurance should I have?
Carry enough to protect your assets, often significantly more than state minimums. Many experts recommend at least $100k/$300k/$100k in bodily injury and property damage liability. If you have substantial assets, an umbrella policy can add millions in protection for relatively little cost. The right amount depends on your financial situation and what you’d need to protect if found liable for a serious accident. Read the full thread on Reddit
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Arizona as of September 2026, based on Lemonade’s internal data. Claims statistics reflect Lemonade Car claims filed in Arizona between October 2025 and September 2026; all figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Arizona drivers or the broader insurance market.
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