Best Cheap Auto Insurance in Tempe, AZ (2021)

The average annual car insurance rates in Tempe, AZ are around $4,203($350/mo). The cheapest car insurance company in Tempe, AZ is GEICO, although rates will vary for each driver. Tempe, AZ car insurance must meet the state minimum requirements with coverage levels of 15/30/10 for liability and property damage.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 20, 2021

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Things to Remember

  • The average annual auto insurance rates for Tempe, AZ are $4,203 ($350/mo)
  • The cheapest auto insurance company in Tempe, AZ is GEICO, and the second cheapest is USAA
  • Tempe, AZ auto insurance rates are affected by the traffic that is shared with Gilbert as well as Phoenix
  • The average commute time for Tempe is 21 min

Tempe, AZ auto insurance rates, on average, are well above the state average. They are about the same as Gilbert rates and about $600 cheaper than Phoenix rates.

You can save on Tempe, Arizona auto insurance by shopping around, comparing rates, and looking for discounts. Below you’ll find information on cheap auto insurance in Tempe, Arizona.

By examining rates based on age, credit history, and driving record in Tempe, AZ, weather the storm of finding cheap auto insurance.

Monthly Tempe, AZ Car Insurance Rates by ZIP Code

Check out the monthly Tempe, AZ auto insurance rates by ZIP Code below:

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Tempe, AZ Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Tempe, AZ stack up against other top metro auto insurance rates? We’ve got your answer below.

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Ready to find affordable auto insurance in Tempe, AZ? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Tempe, AZ?

The cheapest car insurance company in Tempe, based on average rates, is GEICO.

Which Tempe, AZ auto insurance company has the cheapest rates? And how do those rates compare against the average Arizona auto insurance company rates? We’ve got the answers below.

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The top car insurance companies in Tempe, AZ, ranked from cheapest to most expensive are:

  • GEICO – $2,436
  • USAA – $3,135
  • Travelers – $3,370
  • Progressive – $3,784
  • Nationwide – $3,903
  • American Family – $4,437
  • State Farm – $5,109
  • Allstate – $5,421
  • Farmers – $6,234

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Tempe, AZ auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Tempe auto insurance rates. Find the cheapest Tempe, AZ auto insurance rates by coverage level below:

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Your credit score will play a major role in your Tempe auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Tempe, AZ auto insurance rates by credit score below.

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Your driving record will play a major role in your Tempe auto insurance rates. For example, other factors aside, a Tempe, AZ DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Tempe, AZ auto insurance rates by driving record.

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Factors affecting auto insurance rates in Tempe, AZ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Tempe, Arizona auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Arizona does use gender, so check out the average monthly auto insurance rates by age and gender in Tempe, AZ.

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What auto insurance coverage is required in Tempe, AZ?

All Tempe drivers have to meet the Arizona state law minimum requirements to buy auto insurance.

In Arizona, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Tempe, AZ?

Tempe is the eighth-largest city in Arizona and about a 20 min drive from Gilbert and about 20 min from Phoenix. Let’s take a look at how Tempe car insurance rates compare to other cities in Arizona.

Phoenix, AZ— $4,801 (most expensive)
Tempe, AZ— $4,203
Gilbert, AZ — $4123
Desert Hills, AZ— $2,896 (cheapest)

INRIX doesn’t rank Tempe or Gilbert but does rank Phoenix. INRIX ranks Phoenix as the 33rd-most congested city in the U.S. Tempe is west of Gilbert and east of Phoenix, so traffic heading to a larger city can affect car insurance rates.

City-Data reports an average commute time for Tempe is 21 minutes.

Car theft in Tempe also affects rates. The FBI’s most recent annual statistics report 473 car thefts in a city population of 186,086. That’s a rate of 254 cars stolen per 100,000 population.

Tempe, AZ Auto Insurance: The Bottom Line

Tempe has slightly above-average car insurance rates compared to other cities of its size in Arizona, but you can still save by shopping around and comparing.

Before you buy car insurance in Tempe, AZ, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Tempe, AZ auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Monthly Tempe, AZ Auto Insurance Rates by ZIP Code
Tempe, AZ Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Tempe, AZ Auto Insurance Rates by Company vs. City Average
Tempe, AZ Auto Insurance Rates by Company and Age
The Cheapest Tempe, AZ Auto Insurance Rates by Coverage Level
The Cheapest Tempe, AZ Auto Insurance Rates by Credit Score
The Cheapest Tempe, AZ Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Tempe, AZ
Average Monthly Auto Insurance Rates by Age & Gender in Tempe, AZ
Monthly Tempe, AZ Auto Insurance Rates by ZIP Code
Tempe, AZ Auto Insurance Rates vs. Top US Metro Auto Insurance Rates
Tempe, AZ Auto Insurance Rates by Company vs. City Average
Tempe, AZ Auto Insurance Rates by Company and Age
The Cheapest Tempe, AZ Auto Insurance Rates by Coverage Level
The Cheapest Tempe, AZ Auto Insurance Rates by Credit Score
The Cheapest Tempe, AZ Auto Insurance Rates by Driving Record
Factors Affecting Auto Insurance Rates in Tempe, AZ
Average Monthly Auto Insurance Rates by Age & Gender in Tempe, AZ