By: Ishan Mukhopadhyay Jun. 27, 2018

Raltin's analysis of car insurance policies for Phoenix, AZ, revealed that the cheapest half-yearly premium at $475 is for 81-year-old single women with a clean driving record in the last 3 years. On the other hand, the most expensive half-yearly car insurance premium is for a family with a 17-year-old son and a clean driving record, starting at $1,035. For this comparison, Raltin examined data from the 2017 Premium Comparison and Complaint Ratios for Automobile Insurance record from the Arizona Department of Insurance. The coverage type chosen for this analysis is for the state minimum standard with a combined single limit of $40,000 or split limits of $15,000, a bodily injury liability of $30,000, and property damage liability of $10,000.

Raltin conducted this analysis per population cohorts and found that the most expensive premiums tend to be for a family with a 17-year-old son and a clean driving record, at $11,187. The second most expensive premium is paid by 18-year-old unmarried men with a clean driving record, at $9,443.

The cheapest premiums tend to be offered to 41-year-old unmarried women with a clean driving record. The most expensive premium for this cohort is $3,204, which is the lowest among all cohorts. The next cheapest premium is available to 81-year-old married women, at $3,710.

The biggest difference between the 75th and 25th percentile of insurance premiums is for a family with a 17-year-old son, at 49.02%. This is followed by 18-year-old unmarried men at 41.4% and 18-year-old unmarried women at 38.6%.

The following chart presents  a comparison of prices for each cohort.

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The table below lists the prices for each cohort along with the companies offering them.

CohortCheapest Car Insurance Premiums in Phoenix, AZMost Expensive Car Insurance Premiums in Phoenix, AZMedian Car Insurance Premiums in Phoenix, AZ25th Percentile of Car Insurance Premiums in Phoenix, AZ75th Percentile of Car Insurance Premiums in Phoenix, AZDollar Difference between 25th and 75th PercentilesPercentage Difference between 25th and 75th Percentiles
18-year-old Unmarried Men with a Clean Driving Record in the Last 3 YearsEMPLOYERS MUTUAL CASUALTY COMPANY ($984)PERMANENT GENERAL ASSURANCE CORPORATION ($9,443)OMNI INSURANCE COMPANY ($3,596)INFINITY SAFEGUARD INSURANCE COMPANY ($2,714)YOUNG AMERICA INSURANCE COMPANY ($4,632)$1,91841.4%
18-year-old Unmarried Woman with a Clean Driving Record in the Last 3 YearsEMPLOYERS MUTUAL CASUALTY COMPANY ($884)PERMANENT GENERAL ASSURANCE ($7,083)CENTRAL MUTUAL INSURANCE COMPANY ($2,982)INFINITY SAFEGUARD INSURANCE COMPANY ($2,300)RESPONSE INSURANCE COMPANY ($3,747)$1,44738.6%
42-year-old Married Couple with a Clean Driving Record in the Last 3 YearsGEICO CASUALTY COMPANY ($762)PERMANENT GENERAL ASSURANCE ($5,184)COUNTRY PREFERRED INSURANCE COMPANY ($1,680)MAPFRE INSURANCE COMPANY ($1,366)AMERICAN HALLMARK INSURANCE COMPANY OF TEXAS ($2,020)$65432.5%
42 year-old Married Couple with One At-Fault Accident in the Last 3 YearsSTATE AUTO PROPERTY & CASUALTY INSURANCE COMPANY ($944)PERMANENT GENERAL ASSURANCE ($7,296)STILLWATER INSURANCE COMPANY ($2,340)BADGER MUTUAL INSURANCE COMPANY ($1,839)AMERICAN ACCESS CASUALTY COMPANY ($2,749)$91033.1%
81-ear old Single Woman with a Clean Driving Record in the Last 3 YearsEMPLOYERS MUTUAL CASUALTY COMPANY ($475)PERMANENT GENERAL ASSURANCE CORPORATION ($3,710)HORACE MANN PROPERTY & CASUALTY INSURANCE COMPANY ($1,294)FEDERAL INSURANCE COMPANY ($896)LOYA INSURANCE COMPANY ($1,738)$84248.4%
41-year old Unmarried Woman with a Clean Driving Record in the Last 3 YearsSTATE AUTO PROPERTY & CASUALTY ($516)PERMANENT GENERAL ASSURANCE CORPORATION ($3,204)COAST NATIONAL INSURANCE COMPANY ($1,078)HORACE MANN INSURANCE COMPANY ($843)SAFECO INSURANCE COMPANY OF AMERICA ($1,307)$46435.5%
Family with a 17-year-old SonUNITED SERVICES AUTOMOBILE ASSOCIATION ($1,035)PERMANENT GENERAL ASSURANCE CORPORATION ($11,887)BANKERS STANDARD INSURANCE COMPANY ($2,974)HORACE MANN INSURANCE COMPANY ($2,191)CENTRAL MUTUAL INSURANCE COMPANY ($4,298)$2,10749.02%