Low Cost Car Insurance Phoenix AZ compared auto insurance rates in the city of Phoenix, AZ to identify the cheapest insurers and the rates they offer. The car insurance rates vary for a driver age / driver sex but the biggest impact on costs is variability in companies quotes. The highest quote in Phoenix, AZ, for example was $1143 or 200% higher than the cheapest car insurance company’s quote of $696. Timing :- Mon To Sun - Open 24 Hours