Cheapest Auto Insurance in Tempe, Arizona (2024)

Auto-Owners has the cheapest liability car insurance in the state, with a rate of $51 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
  • 7+ years writing insurance and personal finance content

  • Contributor to top media, including USA Today

A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.

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Katie Powers
Edited byKatie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

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Updated March 26, 2024

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Tempe drivers pay an overall average of $156 per month for car insurance, which exceeds the Grand Canyon State’s average of $144 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 $106 per month for liability coverage and $206 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 $2,475 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$74$47Cheap rates
Mile Auto3.5$79$51Infrequent drivers
State Farm4.5$92$57Families
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$81/mo

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

Don - March 23, 2024
Verified

Excellent

Friendly and offers some money-saving options.
Read our Auto-Owners review

Best insurer for infrequent drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$55/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.
$87/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$101/mo

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

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

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 $51 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 $51 per month. The table below includes average quotes from other insurance companies.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners51
Mile Auto55
State Farm63
GEICO65
Root68
State Auto69
USAA70
Safeco77
Metromile83
Sun Coast83
National General89
Midvale Home & Auto99
Allstate105
Mercury107
Progressive108
Travelers108
Direct Auto112
Hallmark118
Dairyland120
COUNTRY Financial122
American Family123
Farmers127
The Hartford127
GAINSCO128
The General131
Nationwide142
Liberty Mutual143
Infinity153
AssuranceAmerica157
Bristol West159
Commonwealth Casualty181
Foremost229
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $206 per month.

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

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners81
Mile Auto87
State Farm101
GEICO104
Root109
USAA113
Metromile134
Safeco138
Midvale Home & Auto154
Travelers158
Allstate168
Sun Coast172
Mercury174
Nationwide190
Progressive190
COUNTRY Financial196
American Family197
National General203
The Hartford203
Farmers205
State Auto207
Infinity219
Direct Auto222
Liberty Mutual239
AssuranceAmerica245
Hallmark264
The General273
GAINSCO278
Dairyland282
Bristol West294
Foremost414
Commonwealth Casualty418
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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 are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners51687082
Mile Auto55808589
State Farm638084101
GEICO658488105
Root68100104105
USAA709094113
Safeco77109114124
Metromile83121125126
National General89115122143
Allstate105135142169
Mercury107159165176
Progressive108145152174
Travelers108141148174
Direct Auto112149157180
Dairyland120160165193
COUNTRY Financial122160171196
American Family123161167198
Farmers127164171204
The Hartford127193201201
GAINSCO128161170206
The General131174183211
Nationwide142185193229
Liberty Mutual143198207230
Infinity153204201246
AssuranceAmerica157217223253
Bristol West159208214256
Commonwealth Casualty181227246263
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$400
20s$262
30s$192
40s$169
50s$146
60s$132
70s$140
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $156 per month. Tempe drivers pay $106 per month for liability coverage and $206 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 $51 per month. Mile Auto is the second-cheapest insurer in the city, with a rate of $55. The third-cheapest insurer, State Farm, 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.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed October 16, 2023
  2. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers." Accessed October 16, 2023
  3. Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022." Accessed October 16, 2023
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed October 16, 2023
  5. Consumer Protection Division Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information." Accessed October 16, 2023
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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