Travelers offers the lowest car insurance rates in Tempe, with average annual premiums of $647 for minimum coverage and $1,187 for full coverage. Geico, State Farm and Auto-Owners also provide affordable coverage options in the city.
Car Insurance in Tempe
Updated: August 5, 2025
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Key Takeaways
Tempe's cheapest car insurance companies are Travelers, Geico and State Farm, with savings up to 41% compared to the city average.
In Tempe, monthly car insurance costs average $163 for full coverage and $83 for minimum coverage.
To get the best cheap auto insurance in Tempe, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Tempe?
| Travelers | $54 | $99 | -41% |
| Geico | $62 | $130 | -26% |
| State Farm | $63 | $135 | -24% |
| Auto Owners | $68 | $134 | -22% |
| Progressive | $93 | $153 | -5% |
Cheapest Tempe Car Insurance by Category
Travelers leads Tempe affordability rankings, offering the cheapest rates in six driver categories. Auto-Owners wins for drivers with old cars, State Farm ranks best for those with a DUI, and Safeway Insurance provides the lowest rates for drivers with bad credit.
| Young Drivers | Travelers | $119 |
| Adult Drivers | Travelers | $54 |
| Senior Drivers | Travelers | $78 |
| Drivers With an Accident | Travelers | $70 |
| Drivers With a DUI | State Farm | $67 |
| Drivers With a Speeding Ticket | Travelers | $67 |
| Drivers With Bad Credit | Safeway Insurance | $90 |
| Drivers With Newer Cars | Travelers | $53 |
| Drivers With Old Cars | Auto Owners | $48 |
Compare the Cheapest Tempe Car Insurance for You
Your car insurance rates depend on your driving history, age, credit and other personal factors. Check the table below to find which companies offer the cheapest rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $54 | $647 | -38% |
| Geico | $62 | $743 | -29% |
| State Farm | $63 | $753 | -28% |
| Auto Owners | $68 | $813 | -22% |
| Allstate | $84 | $1,007 | -4% |
Best Car Insurance Companies in Tempe
In Tempe, the top car insurance companies are Travelers, Auto-Owners, Progressive and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 4 |
| Auto Owners | 93 | 4 | 1 | 5 |
| Progressive | 87 | 5 | 3 | 2 |
| State Farm | 87 | 3 | 4 | 6 |
| Geico | 86 | 2 | 6 | 6 |
Travelers: Best Overall Value
pros
Top-ranked for affordability in Tempe
Strong customer satisfaction scores
Wins in multiple driver categories
cons
Average coverage options
Higher rates for drivers with bad credit
COMPANY HIGHLIGHTS
Travelers ranks first overall in Tempe with excellent affordability scores and strong customer service. It's the cheapest option for six driver categories, including adult drivers, seniors, and young drivers. The company's high customer satisfaction rating shows its commitment to service quality.
Auto Owners: Best for Customer Service
pros
Highest customer satisfaction rating
Competitive rates for older vehicles
Reliable claims handling
cons
Limited coverage options
Fewer digital features
COMPANY HIGHLIGHTS
Auto Owners stands out with the highest customer satisfaction score in Tempe, earning a perfect 5 out of 5. It's particularly affordable for drivers with older cars, offering the lowest rates in this category. While its digital tools are limited, the company's strong service focus makes it ideal for drivers who value personal attention.
How Much Is Car Insurance in Tempe?
In Tempe, minimum coverage costs about $83 per month or $997 per year, ranking 260th out of all Arizona cities for affordability. Full coverage averages $163 monthly or $1,958 annually, ranking 231st among Arizona cities.
| Full Coverage | $163 | $1,958 |
| Minimum Coverage | $83 | $997 |
Tempe Car Insurance Cost by Category
In Tempe, monthly car insurance rates range from $71 to $400 based on driver category and coverage type. Check the table below for your rates.
| Young Drivers | $207 | $400 |
| Adult Drivers | $83 | $163 |
| Drivers With an Accident | $122 | $240 |
| Senior Drivers | $119 | $219 |
| Drivers With a DUI | $132 | $261 |
| Drivers With Bad Credit | $180 | $378 |
| Drivers With a Speeding Ticket | $103 | $205 |
| Drivers With Newer Cars | $97 | $193 |
| Drivers With Old Cars | $71 | $140 |
Tempe Car Insurance Costs by ZIP Code
In Tempe, car insurance rates by ZIP code range from $71 to $193 per month. ZIP code 85282 is the most expensive, while 85284 is the cheapest. Check the average rates for your ZIP code on the table below.
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ZIP Code:85282
| 85282 | $104 | $193 |
Compare Personalized Tempe Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, use the table below to find prices that match your exact combination of age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $84 | $1,007 | 26% |
How to Get the Best Cheap Tempe Car Insurance
With Tempe's high car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. Our step-by-step guide will show you how to lower your costs while getting the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation in Tempe. Use our car insurance coverage needs calculator to evaluate your vehicle's value, your assets and your risk tolerance. This creates a solid foundation for comparing insurance options.
- 2
Explore alternative coverage types
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be ideal. Don't own a car? Look into non-owner insurance for occasional driving.
- 3
Know the local price range
Research average vehicle insurance costs in Tempe to set realistic expectations. Understanding typical rates for your area helps you identify truly competitive offers and avoid overpaying for coverage.
- 4
Maximize available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and good student discounts can also significantly reduce your premium.
- 5
Check company reliability
Research insurance providers' customer service ratings and claims satisfaction scores in Arizona. Look for companies with strong financial stability and positive reviews from Tempe residents. A slightly higher premium from a reliable insurer often provides better value long-term.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to see the full range of available rates. Each company uses different factors to calculate premiums.
- 7
Review your policy yearly
Set a reminder to review your coverage annually. Life changes, vehicle depreciation and insurance company pricing updates can affect your rates.
Cheapest Car Insurance in Tempe: Bottom Line
Car insurance rates depend on your age, driving record and vehicle type. In Tempe, Travelers and GEICO offer the lowest average premiums, but your actual costs will vary. Compare quotes from multiple providers to find your best rate.
Cheap Tempe Car Insurance: FAQ
Our research team answers your questions about finding affordable car insurance in Tempe, helping you choose coverage that fits both your needs and budget.
What is the cheapest car insurance company in Tempe, Arizona?
Travelers offers the lowest rates in Tempe, with average annual premiums of $647 for minimum coverage and $1,187 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tempe?
Travelers leads Tempe's car insurance market with a MoneyGeek score of 96 out of 100, scoring three points higher than Auto-Owners. Travelers delivers excellent customer service alongside competitive rates.
What is the average cost of car insurance in Tempe?
In Tempe, drivers pay $1,958 for full coverage and $997 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Tempe expensive?
Car insurance in Tempe costs more than average, ranking 260th for minimum coverage affordability and 231st for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Tempe, AZ
To help Tempe drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.
Tempe Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tempe
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Arizona are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.