Cheapest Auto Insurance in Tempe, Arizona (2026)

Tempe drivers pay an overall average of $144 per month for car insurance, which exceeds the Grand Canyon State’s average of $125 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.

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	8.2	$87	$48	Cheap rates
Mile Auto	8.8	$100	$55	Infrequent drivers
State Farm	9.3	$107	$59	Families

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

cheap rates

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User Reviews	4.3 335 reviews
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.	8.2 /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.	$56/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.	$100/mo

Details

Driver Reviews

4.3

Best choice in Tempe, AZBased on 335 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 150 Auto-Owners reviews

James

Verified Review

Does not take care of business. People they send for damage repair are way off base on their pricing

Reviewed in Nebraska on April 12, 2026

Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.

Twitty

Verified Review

Good company, just the rates are too expensive

Reviewed in Florida on April 4, 2026

Uneventful.

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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.

Pros

• Many available discounts

• Affordable rates

Cons

• 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

infrequent drivers

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User Reviews	4.5 202 reviews
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.	8.8 /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.	$113/mo

Details

Driver Reviews

4.5

Best choice in Tempe, AZBased on 202 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 68 Mile Auto reviews

Sabrina

Verified Purchase

Good

Reviewed in Tennessee on May 6, 2026

I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.

Maureen

Verified Purchase

Low mileage savings made easy

Reviewed in Georgia on April 16, 2026

This is great for keeping your insurance costs down if you don't drive much. Leave yourself a little room when it asks for average miles per day, as we all have unexpected journeys from time to time. I've not had a problem with sending pictures or making payments online.

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

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.

Pros

• Relatively cheap option for infrequent drivers

• No device to track mileage required

Cons

• No other insurance products

• Limited auto coverage options

Best insurer for families: State Farm

families

Compare Quotes

User Reviews	4.0 17,962 reviews
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.	$69/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.	$123/mo

Details

Driver Reviews

4.0

Best choice in Tempe, AZBased on 17,962 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Tempe for

Customer service

Competitive rates

Discounts for safe drivers

Showing 51 Arizona reviews for Tempe drivers - See all 7,527 State Farm reviews

Alexander

Verified Review

Excellent policy and customer service

Reviewed in Arizona on May 4, 2026

Excellent coverage options and great flexibility to find the insurance I need for my family. More coverage options than other large insurance companies.

Kamlesh

Verified Review

Premium quote and coverage was in line with most other insurance companies. Agents were good when po

Reviewed in Arizona on April 25, 2026

Better than my experience with State Farm adjuster’s response to my only accident.

Julie

Verified Review

Poor Service

Reviewed in Arizona on April 23, 2026

Our agents were poor at returning calls, and their advice was confusing. It was as if they didn’t do anything. There were no suggestions on how to lower rates.

Harriet

Verified Review

I would suggest not purchasing insurance from State Farm. They offer one price to secure the business, followed by an immediate rate increase.

Reviewed in Arizona on April 21, 2026

I would suggest not purchasing insurance from State Farm. They offer one price to secure the business, followed by an immediate rate increase.

Jennifer

Verified Review

Starts out good and then prices go up for no reason

Reviewed in Arizona on April 13, 2026

I used to pay $155.77 and now I’m paying $317, with no explanation why I’m paying almost double what I was paying.

Charles

Verified Review

Expensive

Reviewed in Arizona on April 4, 2026

They keep raising my rates, and I've never had a chargeable incident.

James

Verified Review

Fair

Reviewed in Arizona on April 3, 2026

Could be a little more transparent with the billing.

Terry

Verified Review

The Best Insurance - Always There to Answer Any Question You Have

Reviewed in Arizona on April 3, 2026

I would always go with State Farm. It's a very good insurance company.

Suzanne

Verified Review

My Insurance Co.

Reviewed in Arizona on April 3, 2026

Never a problem with State Farm.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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.

Pros

• Above-average J.D. Power customer satisfaction rating in the Southwest region

• Rideshare coverage available

Cons

• 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.

Find Cheap Car Insurance in Tempe, Arizona

Liability rates start at $56 per month

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Cheapest liability-only car insurance in Tempe: Just Pay-Per-Mile

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]

Just Pay-Per-Mile offers the cheapest liability-only policies to Tempe drivers, with rates of $56 per month. The table below includes average quotes from other insurance companies.

The below rates in Tempe, AZ, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Just Pay-Per-Mile	$56
Auto-Owners	$56
Mile Auto	$63
Progressive	$67
State Farm	$69
Certainly	$72
Sun Coast	$72
Aspire General	$75
Novo Flex	$77
USAA	$77
Mercury	$79
Novo Next	$82
The General	$84
Novo	$87
Dairyland	$89
Hiroad	$92
Just Unlimited	$92
GEICO	$94
Bristol West	$95
Safeco	$95
National General	$98
Direct Auto	$100
Trexis	$108
AssuranceAmerica	$109
Commonwealth Casualty	$109
Root	$111
Clearcover	$111
GAINSCO	$113
Allstate	$114
Travelers	$118
Covercube	$122
Country Financial	$134
American Family	$135
The Hartford	$138
Farmers	$139
Nationwide	$154
Liberty Mutual	$154

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

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 $183 per month.

In the table below, you can find the cheapest average quotes for full-coverage insurance policies in Tempe.

The below rates in Tempe, AZ, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$100
Just Pay-Per-Mile	$110
Novo Flex	$111
Mile Auto	$113
Novo Next	$118
State Farm	$123
Sun Coast	$130
USAA	$138
Progressive	$141
Novo	$141
Safeco	$141
Mercury	$144
Aspire General	$157
GEICO	$159
Hiroad	$174
Root	$181
Bristol West	$187
Just Unlimited	$189
Direct Auto	$196
National General	$197
Clearcover	$197
Allstate	$206
Certainly	$207
Liberty Mutual	$210
Travelers	$213
The General	$217
AssuranceAmerica	$224
Trexis	$231
Commonwealth Casualty	$239
Country Financial	$240
American Family	$243
Dairyland	$244
The Hartford	$249
Farmers	$250
Covercube	$260
GAINSCO	$265
Nationwide	$279

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Arizona

The state of Arizona requires drivers to have proof of financial responsibility to operate a vehicle on public roads. You prove this responsibility by purchasing the state’s minimum required insurance, which must meet the following requirements for bodily injury and property damage liability coverage:^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$15,000 per accident

It’s a good idea to consider purchasing coverage beyond the state’s minimum requirements to provide more vehicle protection. Here are two of the most common optional coverages to consider:

• 

  Collision coverage

  Collision coverage can help you pay for repairs to your own vehicle after a crash with another vehicle or object, even if you caused it.

• 

  Comprehensive coverage

  A comprehensive policy kicks in to cover vehicle repairs or replacement following a non-collision incident that causes damage, like vandalism or a storm.

Cheapest car insurance for drivers with an incident

Even the best driver can make mistakes on the road. But having a violation on your driving record can affect your car insurance premiums. Common incidents — like speeding tickets, driving under the influence, and at-fault accidents — often lead to higher car insurance premiums.

In 2022, 660 traffic fatalities occurred in Maricopa County, which includes Tempe.^[3] Compared to the rest of the state, Maricopa County has a relatively high traffic fatality rate.

Below, you can find the cheapest average liability quotes for Tempe drivers by driving record.

The below rates in Tempe, AZ, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Just Pay-Per-Mile	$56	$71	$75	$77
Auto-Owners	$56	$74	$75	$79
Mile Auto	$63	$77	$86	$89
Progressive	$67	$85	$90	$92
State Farm	$69	$88	$92	$97
Certainly	$72	$92	$97	$99
Sun Coast	$72	$92	$97	$99
Aspire General	$75	$95	$101	$103
Novo Flex	$77	$98	$104	$106
USAA	$77	$100	$105	$108
Mercury	$79	$110	$119	$118
Novo Next	$82	$104	$110	$113
The General	$84	$113	$117	$114
Novo	$87	$111	$117	$119
Dairyland	$89	$112	$119	$125
Hiroad	$92	$117	$124	$126
Just Unlimited	$92	$117	$124	$126
GEICO	$94	$124	$125	$131
Bristol West	$95	$121	$127	$134
Safeco	$95	$126	$133	$142
National General	$98	$123	$132	$138
Direct Auto	$100	$127	$138	$141
Trexis	$108	$137	$145	$148
AssuranceAmerica	$109	$140	$146	$153
Commonwealth Casualty	$109	$130	$146	$149
Root	$111	$149	$151	$157
Clearcover	$111	$143	$160	$156
GAINSCO	$113	$136	$146	$159
Allstate	$114	$149	$155	$160
Travelers	$118	$154	$161	$166
Covercube	$122	$155	$164	$167
Country Financial	$134	$183	$185	$184
American Family	$135	$176	$183	$181
The Hartford	$138	$192	$194	$203
Farmers	$139	$179	$188	$195
Nationwide	$154	$201	$210	$217
Liberty Mutual	$154	$198	$207	$217

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Insurance companies consider driver age when determining premiums. Due to a lack of driving experience, teen drivers pay the highest car insurance premiums. In general, the trend of relatively high rates continues for young adults until around age 35. Most drivers earn lower rates until the age of 70, when senior drivers start to see increased rates.^[4]

The following table illustrates how average car insurance costs change by age.

Age	Average Monthly Quote
Teens	$400
20s	$262
30s	$192
40s	$169
50s	$146
60s	$132
70s	$140

Disclaimer: Table data is based on real-time Tempe quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Tempe car insurance quotes by credit tier

Arizona is one of many states that allow insurance companies to consider your credit history when determining premiums. In general, this means that drivers with excellent or good credit pay the lowest rates for car insurance. In contrast, drivers with poor credit tend to pay more.^[5]

The table below shows average full-coverage car insurance quotes by credit tier in Tempe.

Tempe car insurance FAQs