Cheapest Auto Insurance in Tempe, Arizona (2026)
Auto-Owners has the cheapest liability car insurance in the state, with a rate of $56 per month.
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Sarah SharkeyInsurance Writer
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Tempe drivers pay an overall average of $144 per month for car insurance, which exceeds the Grand Canyon State’s average of $126 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.
Quick Facts
Tempe drivers pay $104 per month for liability coverage and $183 for full-coverage insurance, on average.
Auto-Owners, Just Pay-Per-Mile, and Mile Auto offer the cheapest car insurance rates in Tempe.
Full-coverage car insurance costs Tempe drivers an average of $2,196 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 | 8.2 | $86 | $48 | Cheap rates |
| Mile Auto | 8.8 | $100 | $55 | Infrequent drivers |
| State Farm | 9.3 | $106 | $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.
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
| User Reviews | 4.3 |
|---|---|
| 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 |
4.3
Best choice in Tempe, AZBased on 339 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.5 | 2.9 |
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
Showing recent national reviewsSee all 150 Auto-Owners reviews
Verified Review
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.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
Verified Review
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.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
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
| User Reviews | 4.5 |
|---|---|
| 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 |
4.5
Best choice in Tempe, AZBased on 204 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
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
Showing recent national reviewsSee all 68 Mile Auto reviews
Verified Purchase
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.
Verified Purchase
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.
Verified Purchase
Reviewed in Georgia on March 17, 2026
So far, it has been very good.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
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
| 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. | 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 |
4.0
Best choice in Tempe, AZBased on 18,367 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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
Showing 52 Arizona reviews for Tempe driversSee all 7,595 State Farm reviews
Verified Review
Reviewed in Arizona on May 18, 2026
Not satisfied with a recent claim, a no-fault, only one I have had in 40 years, and they increased my insurance premium by $400 a year. No thank you, I will be shopping for something at a better price, possibly for seniors.
Verified Review
Reviewed in Arizona on May 13, 2026
I haven’t had any claims, so not much info, good or bad.
Verified Review
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.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
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: 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 $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: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $56 |
| Just Pay-Per-Mile | $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 |
| Clearcover | $111 |
| Root | $111 |
| GAINSCO | $113 |
| Allstate | $114 |
| Travelers | $118 |
| Covercube | $122 |
| Country Financial | $134 |
| American Family | $135 |
| The Hartford | $138 |
| Farmers | $139 |
| Liberty Mutual | $154 |
| Nationwide | $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: Sunday, May 31 at 5:00 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 |
| Novo | $141 |
| Progressive | $141 |
| Safeco | $141 |
| Mercury | $144 |
| Aspire General | $157 |
| GEICO | $159 |
| Hiroad | $174 |
| Root | $181 |
| Bristol West | $187 |
| Just Unlimited | $189 |
| Direct Auto | $196 |
| Clearcover | $197 |
| National General | $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.
Recent Insurify quotes for Tempe, Arizona drivers
Recent Tempe, Arizona car insurance prices for Dodge, Jeep, Infiniti, and more.
*Quotes generated for Insurify users in and around Tempe, Arizona within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Tempe, Arizona within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 1, 2026. Actual quotes 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: Sunday, May 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Just Pay-Per-Mile | $56 | $72 | $76 | $78 |
| Auto-Owners | $56 | $74 | $75 | $75 |
| Mile Auto | $63 | $77 | $86 | $89 |
| Progressive | $67 | $86 | $90 | $93 |
| State Farm | $69 | $89 | $93 | $98 |
| Certainly | $72 | $92 | $97 | $100 |
| Sun Coast | $72 | $92 | $97 | $100 |
| Aspire General | $75 | $96 | $101 | $104 |
| Novo Flex | $77 | $99 | $104 | $107 |
| USAA | $77 | $101 | $105 | $109 |
| Novo Next | $82 | $105 | $111 | $114 |
| Mercury | $79 | $110 | $119 | $119 |
| Novo | $87 | $111 | $118 | $121 |
| Dairyland | $89 | $112 | $119 | $126 |
| The General | $84 | $114 | $117 | $115 |
| Hiroad | $92 | $118 | $124 | $128 |
| Just Unlimited | $92 | $118 | $124 | $128 |
| Bristol West | $95 | $121 | $127 | $134 |
| National General | $98 | $124 | $132 | $139 |
| GEICO | $94 | $125 | $125 | $132 |
| Safeco | $95 | $126 | $134 | $143 |
| Direct Auto | $100 | $127 | $138 | $141 |
| Commonwealth Casualty | $109 | $131 | $146 | $150 |
| Root | $111 | $134 | $141 | $157 |
| GAINSCO | $113 | $137 | $146 | $160 |
| Trexis | $108 | $138 | $146 | $150 |
| AssuranceAmerica | $109 | $141 | $146 | $154 |
| Clearcover | $111 | $143 | $160 | $150 |
| Allstate | $114 | $150 | $155 | $161 |
| Travelers | $118 | $155 | $161 | $167 |
| Covercube | $122 | $156 | $165 | $169 |
| American Family | $135 | $177 | $184 | $182 |
| Farmers | $139 | $180 | $188 | $197 |
| Country Financial | $134 | $183 | $185 | $185 |
| The Hartford | $138 | $193 | $195 | $204 |
| Liberty Mutual | $154 | $199 | $207 | $218 |
| Nationwide | $154 | $202 | $210 | $218 |
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.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $182 |
| Good | $202 |
| Fair | $222 |
| Poor | $323 |
Tempe car insurance FAQs
Before you shop around for car insurance, you should determine how much auto coverage you need. The following information should answer your remaining questions about buying car insurance in Tempe.
How much is car insurance in Tempe?
The overall average cost of car insurance in Tempe is $144 per month. Tempe drivers pay $104 per month for liability coverage and $183 for full-coverage insurance, on average. Your car insurance premium will depend on your driving record, age, credit history, and more.
Who has the cheapest car insurance in Tempe?
Auto-Owners offers the cheapest liability car insurance in Tempe, at $56 per month. Just Pay-Per-Mile is the second-cheapest insurer in the city, with a rate of $56. The third-cheapest insurer, Mile Auto, has a liability-only rate of $63 per month. Comparing multiple quotes at once is the best way to find the cheapest car insurance for your insurance needs.
What are the best car insurance companies in Tempe?
With a high Insurify Quality (IQ) Score of 4.4 out of 5, an A++ (Superior) financial strength rating from AM Best, and high customer satisfaction ratings, State Farm is the best car insurance company in Tempe. Other top insurers include Auto-Owners and Mile Auto.
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Consumer Protection Division Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Just Pay-Per-Mile offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $49 per month.
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Cheapest Auto Insurance in Lake Havasu City, Arizona
Auto-Owners offers the cheapest car insurance in Lake Havasu City, with rates as low as $33 per month.
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Cheapest Auto Insurance in Flagstaff, Arizona
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $38 per month.
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Cheap Auto Insurance in Casa Grande, Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Casa Grande, with minimum-coverage policies as low as $48 per month.
Cheap Car Insurance Quotes in Mesa, Arizona (June 2026)
Just Pay-Per-Mile offers the cheapest insurance in Mesa, with an average rate of $53 per month. In Mesa, main corridors like I-70, North Ave, and Patterson Road account for a high number of crashes.
Cheap Car Insurance Quotes in Tucson (June 2026)
Just Pay-Per-Mile offers the cheapest car insurance in Tucson, with rates of $47 per month. Car insurance rates in Tucson are usually slightly cheaper than the Arizona state average.
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Cheapest Car Insurance Quotes in Phoenix (June 2026)
Just Pay-Per-Mile offers the cheapest car insurance in Phoenix, averaging $64 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
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Sarah SharkeyInsurance Writer
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