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Updated November 20, 2024
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Tempe drivers pay an overall average of $151 per month for car insurance, which exceeds the Grand Canyon State’s average of $136 per month. The Arizona city borders the east side of Phoenix, which has a population of more than 1.6 million. Tempe’s close proximity to the largest city in the state might have something to do with its above-average car insurance premiums.
However, you can still find ways to earn lower rates than the city’s overall average by deciding how much coverage you need and comparing quotes from multiple insurers at once. Here’s what you need to know about finding cheap coverage in Tempe.
Tempe drivers pay $105 per month for liability coverage and $196 for full-coverage insurance, on average.
Auto-Owners, Mile Auto, and State Farm offer the cheapest car insurance rates in Tempe.
Full-coverage car insurance costs Tempe drivers an average of $2,353 per year.
Cheapest car insurance companies in Tempe
Every driver in Tempe has a unique set of factors that affect car insurance premiums. Comparing quotes across multiple auto insurance companies will help you find the best rates for your coverage needs.
Because every insurance company has a different method of determining rates, some companies consistently offer cheaper rates than others. Consider the information below about three of the top insurance companies in Tempe to start your search for cheap car insurance.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $77 | $46 | Cheap rates |
Mile Auto | 7.5 | $88 | $51 | Infrequent drivers |
State Farm | 9.3 | $95 | $57 | Families |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
Auto-Owners offers Tempe drivers some of the cheapest average monthly premiums for both liability-only and full-coverage policies. As a major insurance company, it also provides home insurance, renters insurance, and life insurance policies. However, the company earned a below-average customer satisfaction rating for the Southwest region in the J.D. Power 2023 U.S. Auto Insurance Study.
Many available discounts
Affordable rates
Must work with an agent to finalize the car insurance policy
Below-average J.D. Power customer satisfaction rating in the Southwest region
Best insurer for infrequent drivers: Mile Auto
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
Cookie
October 15, 2024
Excellent
Tasha
October 10, 2024
Not pleased
Thomas
October 8, 2024
Mixed Review
If you aren’t a frequent driver, Mile Auto might be a good option for you. The company offers pay-per-mile insurance policies, which include a base rate. You’ll need to send in a picture of your odometer once a month. On average, drivers can find relatively cheap rates through Mile Auto.
But if you drive more than 10,000 miles per year, this type of policy might not be the most cost-effective solution for you. One downside is that you can only purchase a full-coverage policy from Mile Auto.
Relatively cheap option for infrequent drivers
No device to track mileage required
No other insurance products
Limited auto coverage options
Best insurer for families: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $105/mo |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
Ronald
November 18, 2024
Very Expensive Auto and Home
State Farm is a well-known insurance company that earned the top spot for customer satisfaction for the Southwest region in the J.D. Power 2023 U.S. Auto Insurance Study. The company also offers relatively affordable average rates for liability-only and full-coverage policies.
Families can appreciate that this company offers a long list of discounts to help lower insurance costs. Some helpful discounts reward drivers for bundling multiple policies, insuring multiple vehicles, and driving safely.
Above-average J.D. Power customer satisfaction rating in the Southwest region
Rideshare coverage available
Doesn’t offer gap insurance
Some negative customer reviews online
How to get the cheapest car insurance in Tempe
Insurers look at multiple factors when determining your car insurance premiums, including your driving record, age, location, marital status, and credit history.
You can use the strategies below to find the best rates for your insurance needs:
Shop around. Every insurer has a slightly different approach to determining premiums. Getting quotes from multiple insurance companies is the best way to discover the lowest rates for your situation.
Ask for discounts. Many insurance companies offer a suite of discount opportunities. Don’t hesitate to ask if you qualify for any of them.
Increase your deductible. A higher deductible usually comes with a lower premium. If you have the money to cover a higher deductible, consider making this switch.
Cheapest liability-only car insurance in Tempe: Auto-Owners
Liability-only car insurance is usually the most affordable coverage option. This type of policy includes bodily injury and property damage liability coverage. If you cause an accident, a liability policy can help you pay for the damages or injuries you cause to others. This might include the other party’s vehicle repairs or medical bills.[1]
Auto-Owners offers the cheapest liability-only policies to Tempe drivers, with rates of $51 per month. The table below includes average quotes from other insurance companies.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $51 |
Mile Auto | $57 |
State Farm | $63 |
GEICO | $64 |
USAA | $70 |
Metromile | $84 |
Root | $87 |
Sun Coast | $89 |
National General | $93 |
Allstate | $105 |
Travelers | $109 |
Progressive | $110 |
Mercury | $112 |
Safeco | $114 |
Dairyland | $118 |
Direct Auto | $121 |
American Family | $123 |
COUNTRY Financial | $123 |
Clearcover | $125 |
The Hartford | $127 |
Farmers | $128 |
The General | $130 |
Bristol West | $142 |
Nationwide | $142 |
GAINSCO | $143 |
Commonwealth Casualty | $178 |
AssuranceAmerica | $180 |
Liberty Mutual | $188 |
Foremost | $234 |
Cheapest full-coverage car insurance in Tempe: Auto-Owners
Full-coverage car insurance policies offer more financial protection than liability-only policies. In addition to liability coverage, a full-coverage policy includes comprehensive and collision coverages. If you have an incident, a full-coverage policy can help you pay to repair or replace your own vehicle.
Auto lenders typically require drivers to purchase this coverage. But even if you don’t need to carry this coverage, it’s a good idea to buy it if you’d struggle to pay for repairs on your own after a car accident.
Full-coverage car insurance in Tempe costs an average of $196 per month.
In the table below, you can find the cheapest average quotes for full-coverage insurance policies in Tempe.
Insurance Company ▲▼ | Average Monthly Quote |
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