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Your personal needs will determine which car insurance company is right for you. Travelers offers the cheapest minimum and full coverage policies and is the best choice for teens. Those with speeding tickets may fare better with Auto-Owners Insurance, while those with at-fault accidents and DUIs may find Root Insurance Company a good alternative. For the military community, USAA is the cheapest.

MoneyGeek Logo IconCheapest + BestCar InsuranceTempe
2023

Cheapest and Best Car Insurance in Tempe, AZ

Cheapest Minimum Liability Car Insurance in Tempe

Tempe's cheapest auto insurance providers for a minimum coverage policy are:

  • Travelers: $349 per year
  • Mercury: $350 per year

While Travelers and Mercury are just $1 apart, Travelers has a higher coverage score. Meanwhile, The General provides a minimum coverage insurance for $1,476 per year — the most expensive in the city. Mercury is the cheapest minimum car insurance throughout Arizona, offering a bare-bones policy for about $324 a year as of October 2022. Location may play a role in determining these prices.

Company
Annual Premium
Monthly Premium

Travelers

$349

$29

Mercury

$350

$29

Mercury

$359

$30

Auto-Owners Insurance Co

$364

$30

Auto-Owners Insurance Co

$373

$31

Travelers

$374

$31

Travelers

$391

$33

State Farm

$417

$35

State Farm

$443

$37

Country Financial

$460

$38

Country Financial

$465

$39

Root Insurance Company

$480

$40

Root Insurance Company

$484

$40

Mercury

$499

$42

Auto-Owners Insurance Co

$508

$42

Root Insurance Company

$517

$43

GEICO

$532

$44

Hartford

$534

$44

State Farm

$540

$45

Progressive

$549

$46

Progressive

$550

$46

GEICO

$561

$47

Allstate

$595

$50

Hartford

$605

$50

Iowa Farm Bureau

$630

$53

GEICO

$643

$54

Progressive

$644

$54

Country Financial

$647

$54

Nationwide

$666

$55

Iowa Farm Bureau

$679

$57

Allstate

$684

$57

CSAA

$686

$57

Allstate

$691

$58

Farmers

$699

$58

Nationwide

$700

$58

Travelers

$716

$60

Travelers

$719

$60

Farmers

$728

$61

Root Insurance Company

$748

$62

Root Insurance Company

$749

$62

Auto-Owners Insurance Co

$766

$64

Auto-Owners Insurance Co

$799

$67

CSAA

$800

$67

Root Insurance Company

$806

$67

Hartford

$808

$67

Iowa Farm Bureau

$823

$69

Travelers

$852

$71

Farmers

$857

$71

State Farm

$862

$72

Nationwide

$881

$73

GEICO

$897

$75

GEICO

$904

$75

CSAA

$906

$75

State Farm

$934

$78

Progressive

$969

$81

Hartford

$987

$82

Progressive

$1,010

$84

Mercury

$1,044

$87

Mercury

$1,093

$91

Auto-Owners Insurance Co

$1,095

$91

Hartford

$1,097

$91

Allstate

$1,098

$92

GEICO

$1,107

$92

Iowa Farm Bureau

$1,125

$94

State Farm

$1,189

$99

Allstate

$1,205

$100

Iowa Farm Bureau

$1,212

$101

CSAA

$1,256

$105

Progressive

$1,260

$105

Allstate

$1,260

$105

Farmers

$1,275

$106

Country Financial

$1,291

$108

Farmers

$1,306

$109

Nationwide

$1,341

$112

Country Financial

$1,425

$119

Iowa Farm Bureau

$1,432

$119

CSAA

$1,459

$122

The General

$1,476

$123

Nationwide

$1,512

$126

Mercury

$1,548

$129

Hartford

$1,554

$129

Farmers

$1,577

$131

CSAA

$1,650

$137

The General

$1,656

$138

Nationwide

$1,827

$152

Country Financial

$1,864

$155

The General

$2,207

$184

The General

$2,898

$241

The General

$3,036

$253

The General

$4,224

$352

According to Arizona law, a minimum coverage vehicle insurance policy must cover bodily injuries as well as property damage with the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Your insurance company will cover up to $25,000 worth of bodily injuries per person involved in an accident, with a cap of $50,000 per accident. So if two people are involved, and each incurs injuries worth $25,000, you've already maxed out your liability coverage for bodily injuries. The same goes for property damage: your insurance company will only cover up to $15,000 per accident.

Cheapest Full Coverage Car Insurance in Tempe

The cheapest companies for full coverage car insurance in Tempe are:

  • Travelers: $719 per year
  • Root Insurance Company: $749 per year

The General has the most expensive rate for a full coverage car insurance policy at $2,898 per year. However, Root Insurance Company takes the spot as the company that offers the cheapest full coverage insurance in Arizona, costing about $715 per year in most of the state as of October 2022. Again, location may explain the difference between the Root and Travelers pricing in Tempe.

Company
Annual Premium
Monthly Premium

Travelers

$349

$29

Mercury

$350

$29

Mercury

$359

$30

Auto-Owners Insurance Co

$364

$30

Auto-Owners Insurance Co

$373

$31

Travelers

$374

$31

Travelers

$391

$33

State Farm

$417

$35

State Farm

$443

$37

Country Financial

$460

$38

Country Financial

$465

$39

Root Insurance Company

$480

$40

Root Insurance Company

$484

$40

Mercury

$499

$42

Auto-Owners Insurance Co

$508

$42

Root Insurance Company

$517

$43

GEICO

$532

$44

Hartford

$534

$44

State Farm

$540

$45

Progressive

$549

$46

Progressive

$550

$46

GEICO

$561

$47

Allstate

$595

$50

Hartford

$605

$50

Iowa Farm Bureau

$630

$53

GEICO

$643

$54

Progressive

$644

$54

Country Financial

$647

$54

Nationwide

$666

$55

Iowa Farm Bureau

$679

$57

Allstate

$684

$57

CSAA

$686

$57

Allstate

$691

$58

Farmers

$699

$58

Nationwide

$700

$58

Travelers

$716

$60

Travelers

$719

$60

Farmers

$728

$61

Root Insurance Company

$748

$62

Root Insurance Company

$749

$62

Auto-Owners Insurance Co

$766

$64

Auto-Owners Insurance Co

$799

$67

CSAA

$800

$67

Root Insurance Company

$806

$67

Hartford

$808

$67

Iowa Farm Bureau

$823

$69

Travelers

$852

$71

Farmers

$857

$71

State Farm

$862

$72

Nationwide

$881

$73

GEICO

$897

$75

GEICO

$904

$75

CSAA

$906

$75

State Farm

$934

$78

Progressive

$969

$81

Hartford

$987

$82

Progressive

$1,010

$84

Mercury

$1,044

$87

Mercury

$1,093

$91

Auto-Owners Insurance Co

$1,095

$91

Hartford

$1,097

$91

Allstate

$1,098

$92

GEICO

$1,107

$92

Iowa Farm Bureau

$1,125

$94

State Farm

$1,189

$99

Allstate

$1,205

$100

Iowa Farm Bureau

$1,212

$101

CSAA

$1,256

$105

Progressive

$1,260

$105

Allstate

$1,260

$105

Farmers

$1,275

$106

Country Financial

$1,291

$108

Farmers

$1,306

$109

Nationwide

$1,341

$112

Country Financial

$1,425

$119

Iowa Farm Bureau

$1,432

$119

CSAA

$1,459

$122

The General

$1,476

$123

Nationwide

$1,512

$126

Mercury

$1,548

$129

Hartford

$1,554

$129

Farmers

$1,577

$131

CSAA

$1,650

$137

The General

$1,656

$138

Nationwide

$1,827

$152

Country Financial

$1,864

$155

The General

$2,207

$184

The General

$2,898

$241

The General

$3,036

$253

The General

$4,224

$352

A full coverage car insurance policy includes comprehensive and collision insurance.

  • Collision Insurance: Covers the cost to repair or replace your car if you're at fault for an accident with another vehicle or object.
  • Comprehensive Insurance: Covers damage caused by events other than accidents, including weather-related occurrences, vandalism and theft.

Full coverage policy may not be worth it for older vehicles, as the policy’s cost could exceed the vehicle’s value.

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Cheapest Car Insurance in Tempe After a Driving Offense

The cheapest car insurance companies if you have driving violations in Tempe are:

  • Speeding ticket: Auto-Owners Insurance ($799 per year)
  • At-fault accident: Root Insurance Company ($940 per year)
  • DUI: Root Insurance Company ($828 per year)

The General offers the most expensive annual rate for speeding violations at $3,476, accidents at $4,113 and DUI offenses at $3,780. These prices are nearly quadruple the costs of the cheapest policies.

If you have a poor driving record, you'll pay more for auto insurance than someone with a clean record. Even the cheapest policies may cost more for drivers with violations.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$364

$30

Auto-Owners Insurance Co

$373

$31

Travelers

$437

$36

Travelers

$463

$39

Travelers

$467

$39

Travelers

$476

$40

State Farm

$477

$40

State Farm

$477

$40

Travelers

$495

$41

Travelers

$504

$42

Travelers

$506

$42

State Farm

$507

$42

State Farm

$507

$42

Auto-Owners Insurance Co

$508

$42

State Farm

$525

$44

Root Insurance Company

$536

$45

Root Insurance Company

$541

$45

Travelers

$544

$45

Mercury

$552

$46

Travelers

$555

$46

State Farm

$557

$46

Auto-Owners Insurance Co

$567

$47

Root Insurance Company

$576

$48

Auto-Owners Insurance Co

$581

$48

Mercury

$590

$49

Root Insurance Company

$601

$50

Progressive

$602

$50

Root Insurance Company

$604

$50

Root Insurance Company

$606

$50

Root Insurance Company

$606

$50

GEICO

$614

$51

State Farm

$617

$51

State Farm

$617

$51

Country Financial

$628

$52

Progressive

$635

$53

Country Financial

$637

$53

Mercury

$638

$53

Root Insurance Company

$646

$54

GEICO

$650

$54

Root Insurance Company

$652

$54

State Farm

$679

$57

Progressive

$689

$57

Hartford

$691

$58

Progressive

$701

$58

Mercury

$722

$60

Mercury

$728

$61

Progressive

$729

$61

GEICO

$749

$62

Mercury

$766

$64

Auto-Owners Insurance Co

$766

$64

Auto-Owners Insurance Co

$770

$64

Hartford

$771

$64

Hartford

$775

$65

Country Financial

$779

$65

Auto-Owners Insurance Co

$789

$66

Country Financial

$790

$66

Auto-Owners Insurance Co

$790

$66

GEICO

$790

$66

Progressive

$791

$66

Country Financial

$798

$67

Auto-Owners Insurance Co

$799

$67

Iowa Farm Bureau

$805

$67

Country Financial

$809

$67

Nationwide

$811

$68

Mercury

$812

$68

Progressive

$816

$68

Hartford

$826

$69

Root Insurance Company

$828

$69

Root Insurance Company

$828

$69

CSAA

$835

$70

Nationwide

$846

$71

GEICO

$857

$71

Farmers

$865

$72

Iowa Farm Bureau

$869

$72

Progressive

$874

$73

Hartford

$886

$74

Country Financial

$887

$74

Root Insurance Company

$890

$74

Root Insurance Company

$919

$77

Root Insurance Company

$919

$77

Progressive

$925

$77

GEICO

$937

$78

Root Insurance Company

$938

$78

Root Insurance Company

$940

$78

Hartford

$954

$79

Allstate

$962

$80

Farmers

$962

$80

State Farm

$977

$81

State Farm

$977

$81

CSAA

$978

$82

Travelers

$986

$82

Root Insurance Company

$990

$83

Farmers

$998

$83

Root Insurance Company

$1,015

$85

Farmers

$1,018

$85

CSAA

$1,019

$85

Mercury

$1,022

$85

Mercury

$1,024

$85

Nationwide

$1,027

$86

Travelers

$1,038

$86

Allstate

$1,047

$87

Hartford

$1,049

$87

Country Financial

$1,051

$88

Iowa Farm Bureau

$1,052

$88

Travelers

$1,053

$88

State Farm

$1,056

$88

State Farm

$1,056

$88

GEICO

$1,058

$88

CSAA

$1,063

$89

State Farm

$1,068

$89

Auto-Owners Insurance Co

$1,073

$89

GEICO

$1,079

$90

Travelers

$1,085

$90

Iowa Farm Bureau

$1,088

$91

Travelers

$1,092

$91

Auto-Owners Insurance Co

$1,095

$91

Allstate

$1,103

$92

Country Financial

$1,111

$93

CSAA

$1,114

$93

Travelers

$1,114

$93

Farmers

$1,117

$93

Allstate

$1,118

$93

Auto-Owners Insurance Co

$1,128

$94

Farmers

$1,130

$94

Progressive

$1,146

$96

Travelers

$1,150

$96

Farmers

$1,151

$96

State Farm

$1,154

$96

Travelers

$1,163

$97

Progressive

$1,166

$97

Auto-Owners Insurance Co

$1,170

$97

Iowa Farm Bureau

$1,173

$98

Allstate

$1,197

$100

Allstate

$1,202

$100

Travelers

$1,206

$100

CSAA

$1,209

$101

Allstate

$1,215

$101

Hartford

$1,216

$101

Nationwide

$1,218

$102

GEICO

$1,222

$102

Farmers

$1,248

$104

CSAA

$1,265

$105

Nationwide

$1,268

$106

GEICO

$1,270

$106

Farmers

$1,301

$108

GEICO

$1,309

$109

Hartford

$1,313

$109

Hartford

$1,335

$111

State Farm

$1,347

$112

State Farm

$1,347

$112

Progressive

$1,348

$112

GEICO

$1,349

$112

GEICO

$1,367

$114

Allstate

$1,377

$115

Progressive

$1,381

$115

CSAA

$1,385

$115

Allstate

$1,385

$115

Progressive

$1,406

$117

GEICO

$1,419

$118

Iowa Farm Bureau

$1,421

$118

Iowa Farm Bureau

$1,438

$120

Hartford

$1,443

$120

CSAA

$1,448

$121

Iowa Farm Bureau

$1,464

$122

State Farm

$1,473

$123

Auto-Owners Insurance Co

$1,489

$124

Hartford

$1,518

$126

Nationwide

$1,528

$127

Auto-Owners Insurance Co

$1,541

$128

CSAA

$1,548

$129

Iowa Farm Bureau

$1,551

$129

Hartford

$1,558

$130

Nationwide

$1,562

$130

Iowa Farm Bureau

$1,579

$132

Progressive

$1,581

$132

Nationwide

$1,612

$134

Auto-Owners Insurance Co

$1,614

$134

Progressive

$1,614

$135

GEICO

$1,626

$136

Progressive

$1,639

$137

Hartford

$1,640

$137

Nationwide

$1,656

$138

Farmers

$1,661

$138

Mercury

$1,670

$139

Hartford

$1,687

$141

Allstate

$1,706

$142

Farmers

$1,717

$143

Country Financial

$1,722

$143

The General

$1,768

$147

Mercury

$1,773

$148

CSAA

$1,796

$150

Mercury

$1,813

$151

Nationwide

$1,827

$152

Iowa Farm Bureau

$1,831

$153

Farmers

$1,835

$153

Allstate

$1,858

$155

Progressive

$1,866

$156

Nationwide

$1,873

$156

Allstate

$1,891

$158

Country Financial

$1,893

$158

CSAA

$1,907

$159

Iowa Farm Bureau

$1,912

$159

Farmers

$1,920

$160

The General

$1,927

$161

Farmers

$1,930

$161

Iowa Farm Bureau

$1,944

$162

Allstate

$1,956

$163

Country Financial

$2,011

$168

CSAA

$2,020

$168

Country Financial

$2,022

$169

The General

$2,032

$169

Mercury

$2,035

$170

CSAA

$2,037

$170

GEICO

$2,047

$171

Allstate

$2,057

$171

Farmers

$2,064

$172

Hartford

$2,071

$173

Allstate

$2,083

$174

Iowa Farm Bureau

$2,096

$175

The General

$2,102

$175

Farmers

$2,104

$175

Country Financial

$2,115

$176

Allstate

$2,132

$178

Auto-Owners Insurance Co

$2,133

$178

Nationwide

$2,142

$179

Farmers

$2,150

$179

Mercury

$2,187

$182

GEICO

$2,189

$182

GEICO

$2,202

$183

Country Financial

$2,202

$184

CSAA

$2,236

$186

The General

$2,268

$189

Allstate

$2,307

$192

Mercury

$2,332

$194

Hartford

$2,354

$196

Farmers

$2,357

$196

CSAA

$2,372

$198

Allstate

$2,394

$199

Hartford

$2,438

$203

Mercury

$2,464

$205

Iowa Farm Bureau

$2,476

$206

Nationwide

$2,481

$207

Country Financial

$2,492

$208

The General

$2,531

$211

The General

$2,545

$212

CSAA

$2,546

$212

Iowa Farm Bureau

$2,616

$218

The General

$2,661

$222

CSAA

$2,697

$225

Nationwide

$2,728

$227

Country Financial

$2,772

$231

The General

$2,783

$232

Iowa Farm Bureau

$2,819

$235

Mercury

$2,895

$241

Country Financial

$2,933

$244

Mercury

$3,105

$259

Nationwide

$3,180

$265

Nationwide

$3,224

$269

Iowa Farm Bureau

$3,330

$278

Nationwide

$3,470

$289

The General

$3,476

$290

The General

$3,723

$310

The General

$3,780

$315

Nationwide

$3,923

$327

The General

$4,113

$343

The General

$4,140

$345

The General

$4,608

$384

The General

$4,882

$407

The General

$5,110

$426

The General

$5,349

$446

Insurance rates after an offense increase relative to the severity of the offense. In Tempe, you will pay an average of $804 more after a DUI but $383 more after a speeding ticket. You can still find the cheapest car insurance if you have a poor driving record.

Cheapest Car Insurance in Tempe for Teens and Their Families

In Tempe, the cheapest auto insurance providers for teenagers on a family policy are:

  • Travelers: $1,995 per year for male teens and $1,671 per year for female teens
  • GEICO: $2,522 per year for male and female teens

When comparing the cost of car insurance for teens on a family policy in Tempe, Allstate offers the most expensive rates for female teens at $3,934 per year and male teens at $5,455 per year. Insurers consider male teens a higher risk on the road than female teens. However, this gap closes off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$901

$1,492

Travelers

$949

$1,540

Travelers

$1,000

$1,657

Travelers

$1,010

$1,830

Travelers

$1,033

$1,711

Travelers

$1,082

$1,756

Travelers

$1,107

$2,023

Travelers

$1,112

$1,977

Travelers

$1,150

$1,866

Travelers

$1,239

$2,212

Travelers

$1,266

$2,250

Travelers

$1,268

$2,532

Travelers

$1,362

$3,069

State Farm

$1,393

$4,110

Travelers

$1,417

$2,529

Travelers

$1,424

$2,885

Auto-Owners Insurance Co

$1,490

$3,114

State Farm

$1,541

$4,548

Auto-Owners Insurance Co

$1,551

$3,384

Auto-Owners Insurance Co

$1,580

$3,300

Travelers

$1,581

$3,566

State Farm

$1,585

$4,569

Farmers

$1,604

$2,865

Progressive

$1,608

$2,181

Travelers

$1,616

$3,641

State Farm

$1,621

$5,521

Auto-Owners Insurance Co

$1,632

$3,562

Farmers

$1,659

$3,050

Travelers

$1,671

$4,588

State Farm

$1,681

$4,960

Auto-Owners Insurance Co

$1,681

$3,966

Nationwide

$1,702

$3,438

Auto-Owners Insurance Co

$1,705

$4,053

Progressive

$1,717

$2,290

Auto-Owners Insurance Co

$1,724

$3,762

Nationwide

$1,732

$5,191

Auto-Owners Insurance Co

$1,733

$4,394

Progressive

$1,740

$3,381

GEICO

$1,743

$4,299

Allstate

$1,744

$2,688

State Farm

$1,746

$5,988

Nationwide

$1,750

$3,840

Allstate

$1,772

$2,730

Allstate

$1,778

$2,740

State Farm

$1,784

$5,144

Allstate

$1,788

$2,860

Auto-Owners Insurance Co

$1,809

$3,780

GEICO

$1,868

$2,134

Nationwide

$1,871

$6,270

Progressive

$1,878

$3,634

Progressive

$1,884

$2,554

GEICO

$1,887

$2,336

GEICO

$1,889

$2,740

GEICO

$1,894

$2,164

State Farm

$1,896

$6,457

Progressive

$1,899

$2,533

Auto-Owners Insurance Co

$1,912

$4,236

Nationwide

$1,914

$3,866

Travelers

$1,915

$4,321

Allstate

$1,932

$2,916

GEICO

$1,936

$2,397

GEICO

$1,973

$2,875

State Farm

$1,976

$5,698

Progressive

$1,979

$3,178

GEICO

$1,984

$2,586

GEICO

$1,984

$2,470

Travelers

$1,995

$5,615

Allstate

$1,997

$3,008

Progressive

$1,999

$4,338

State Farm

$2,003

$6,869

State Farm

$2,003

$7,753

Nationwide

$2,004

$4,047

Nationwide

$2,006

$4,859

Progressive

$2,007

$3,143

GEICO

$2,010

$2,296

GEICO

$2,023

$2,505

Progressive

$2,024

$3,931

Auto-Owners Insurance Co

$2,028

$5,855

Allstate

$2,034

$3,070

Auto-Owners Insurance Co

$2,040

$5,173

GEICO

$2,047

$5,772

Allstate

$2,053

$3,285

Nationwide

$2,053

$4,505

Progressive

$2,058

$2,745

Allstate

$2,070

$3,124

Auto-Owners Insurance Co

$2,076

$4,601

Progressive

$2,079

$2,820

Auto-Owners Insurance Co

$2,090

$5,057

State Farm

$2,130

$7,165

GEICO

$2,132

$3,107

GEICO

$2,147

$3,405

GEICO

$2,147

$3,450

Nationwide

$2,148

$5,775

Nationwide

$2,155

$4,728

GEICO

$2,173

$3,151

Progressive

$2,234

$4,897

GEICO

$2,277

$5,617

Allstate

$2,284

$3,449

GEICO

$2,294

$6,468

Progressive

$2,295

$4,442

State Farm

$2,296

$8,869

Progressive

$2,307

$9,422

Farmers

$2,314

$5,371

Nationwide

$2,396

$8,583

Allstate

$2,429

$4,059

Auto-Owners Insurance Co

$2,443

$5,595

Farmers

$2,443

$5,104

Farmers

$2,457

$5,936

Nationwide

$2,474

$9,933

Nationwide

$2,474

$9,933

State Farm

$2,500

$9,645

State Farm

$2,502

$8,417

Farmers

$2,520

$5,850

GEICO

$2,522

$9,088

GEICO

$2,522

$8,740

Auto-Owners Insurance Co

$2,524

$7,043

Nationwide

$2,530

$10,614

Farmers

$2,548

$6,521

Progressive

$2,550

$10,493

Farmers

$2,582

$5,661

Nationwide

$2,591

$7,763

Allstate

$2,596

$3,911

Farmers

$2,604

$12,901

Farmers

$2,613

$6,312

State Farm

$2,625

$10,141

Farmers

$2,630

$4,699

State Farm

$2,638

$11,567

Farmers

$2,655

$6,996

Farmers

$2,680

$4,788

Auto-Owners Insurance Co

$2,681

$6,141

Auto-Owners Insurance Co

$2,744

$7,124

Farmers

$2,749

$5,055

Farmers

$2,757

$13,999

Progressive

$2,799

$13,173

Nationwide

$2,800

$11,792

Farmers

$2,840

$5,222

Progressive

$2,864

$11,699

Auto-Owners Insurance Co

$2,868

$8,003

Farmers

$2,878

$14,261

State Farm

$2,895

$11,067

Auto-Owners Insurance Co

$2,910

$9,315

Nationwide

$2,924

$13,552

Nationwide

$2,924

$13,552

Allstate

$2,928

$5,006

Nationwide

$2,993

$14,505

Nationwide

$3,012

$10,096

Progressive

$3,059

$14,433

Farmers

$3,072

$15,601

Progressive

$3,122

$12,848

Allstate

$3,185

$4,808

Farmers

$3,203

$20,454

State Farm

$3,321

$12,693

State Farm

$3,336

$14,493

Farmers

$3,421

$22,519

Allstate

$3,768

$6,205

Allstate

$3,898

$6,419

Allstate

$3,934

$6,811

Allstate

$5,166

$7,696

Allstate

$5,345

$7,962

Allstate

$5,455

$8,721

Adding a teen to a family policy is more cost-effective than purchasing a separate policy. For example, an individual policy for a 16-year-old male teen can average $5,905 — $1,686 more than adding him to a family policy. If your top priority is savings, you can research the cheapest car insurance for teens.

Cheapest Car Insurance in Tempe for Military Drivers

The most affordable car insurance companies for active or veteran military families offering full coverage policies in Tempe are:

  • USAA: $711 per year
  • Travelers: $719 per year

If you are looking for a minimum coverage car insurance policy, USAA and Travelers are also the cheapest options in Tempe. USAA's minimum coverage plan costs $245 per year, while Travelers' is $349 annually.

Company
Annual Premium
Monthly Premium

USAA

$245

$20

USAA

$246

$21

USAA

$288

$24

Travelers

$349

$29

Mercury

$350

$29

Mercury

$359

$30

Auto-Owners Insurance Co

$364

$30

Auto-Owners Insurance Co

$373

$31

Travelers

$374

$31

Travelers

$391

$33

State Farm

$417

$35

State Farm

$443

$37

Country Financial

$460

$38

Country Financial

$465

$39

Root Insurance Company

$480

$40

Root Insurance Company

$484

$40

Mercury

$499

$42

Auto-Owners Insurance Co

$508

$42

Root Insurance Company

$517

$43

GEICO

$532

$44

Hartford

$534

$44

State Farm

$540

$45

Progressive

$549

$46

Progressive

$550

$46

GEICO

$561

$47

Allstate

$595

$50

Hartford

$605

$50

Iowa Farm Bureau

$630

$53

GEICO

$643

$54

Progressive

$644

$54

Country Financial

$647

$54

Nationwide

$666

$55

USAA

$676

$56

Iowa Farm Bureau

$679

$57

Allstate

$684

$57

CSAA

$686

$57

Allstate

$691

$58

Farmers

$699

$58

Nationwide

$700

$58

USAA

$711

$59

Travelers

$716

$60

Travelers

$719

$60

Farmers

$728

$61

Root Insurance Company

$748

$62

Root Insurance Company

$749

$62

Auto-Owners Insurance Co

$766

$64

Auto-Owners Insurance Co

$799

$67

CSAA

$800

$67

Root Insurance Company

$806

$67

Hartford

$808

$67

Iowa Farm Bureau

$823

$69

Travelers

$852

$71

USAA

$854

$71

Farmers

$857

$71

State Farm

$862

$72

Nationwide

$881

$73

GEICO

$897

$75

GEICO

$904

$75

CSAA

$906

$75

State Farm

$934

$78

Progressive

$969

$81

Hartford

$987

$82

Progressive

$1,010

$84

Mercury

$1,044

$87

Mercury

$1,093

$91

Auto-Owners Insurance Co

$1,095

$91

Hartford

$1,097

$91

Allstate

$1,098

$92

GEICO

$1,107

$92

Iowa Farm Bureau

$1,125

$94

State Farm

$1,189

$99

Allstate

$1,205

$100

Iowa Farm Bureau

$1,212

$101

CSAA

$1,256

$105

Progressive

$1,260

$105

Allstate

$1,260

$105

Farmers

$1,275

$106

Country Financial

$1,291

$108

Farmers

$1,306

$109

Nationwide

$1,341

$112

Country Financial

$1,425

$119

Iowa Farm Bureau

$1,432

$119

CSAA

$1,459

$122

The General

$1,476

$123

Nationwide

$1,512

$126

Mercury

$1,548

$129

Hartford

$1,554

$129

Farmers

$1,577

$131

CSAA

$1,650

$137

The General

$1,656

$138

Nationwide

$1,827

$152

Country Financial

$1,864

$155

The General

$2,207

$184

The General

$2,898

$241

The General

$3,036

$253

The General

$4,224

$352

How to Compare Cheap Tempe Car Insurance Quotes Online

It can take 15 minutes or longer to get an online car insurance quote because you’ll have to enter a lot of personal information. But if you use MoneyGeek's free car insurance calculator, you can get an approximate idea of how much coverage costs with just your age, vehicle type and coverage level.

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USAA

Best Car Insurance in Tempe: Summary

The best car insurance company in Tempe will depend on what you value most. Some people may choose cost over coverage, while others may consider service and claims management more important. Here are our top picks for the best insurance company in the city, based on specific criteria:

  • Best overall: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)
  • Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
  • Best cheap: Auto-Owners Insurance (MoneyGeek score of 83 out of 100)

A company’s MoneyGeek score varies depending on the category and how factors are weighted in those categories. Auto-Owners Insurance takes the top spot as the best car insurance in Arizona, with an 85 out of 100 in our scoring system. USAA is also a great option for vets or military personnel, scoring 82 out of 100.

Best Overall Car Insurance in Tempe

The best companies for car insurance in Tempe are:

  • Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($799 per year)
  • Travelers: MoneyGeek score of 78 out of 100 ($719 per year)

Auto-Owners Insurance scores well in affordability and coverage, so although its prices are cheap, the company doesn't skimp on its coverages. USAA is another great option for military personnel or veterans in Tempe, with a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Provides adequate coverage for a fair price

Offers diminished value coverage and gap insurance

cons

Average scores for claims handling and customer happiness

No original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance’s high scores in coverage and affordability suggest that it offers a variety of coverages to meet customer needs — at prices most can likely afford. You can rest assured knowing that you can mitigate financial losses if your car gets damaged or totaled in an accident. For instance, the company’s diminished value coverage ensures that you are compensated for any reduction in the value of your car after it is damaged in an accident.

Gap insurance is another feature that may be attractive to people who finance their cars. If you are involved in an accident, you're liable for the difference between the current value of your vehicle and the amount still owed on your lease or loan. Auto-Owners Insurance’s gap insurance covers this difference.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Tempe for Customer Service

If you exclude cost from the equation, these are the best companies for customer service in Tempe:

  • Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($799 per year)
  • Country Financial: MoneyGeek score of 65 out of 100 ($1,425 per year)

Auto-Owners Insurance has above-average scores in coverage and overall satisfaction. The company's rates are also affordable, making it a good choice for customers trying to keep costs low without sacrificing too much coverage.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

Satisfaction and coverage scores are above average

Offers rental car coverage and accident forgiveness

cons

Claims handling could be improved

Doesn’t offer custom parts coverage

COMPANY HIGHLIGHTS

Auto-Owners Insurance has a strong reputation for providing comprehensive policies and decent customer service, which is good news for drivers who want to protect their vehicles and themselves from financial losses in the event of a crash. For instance, traveling costs can quickly accumulate if you are involved in a car accident, and your vehicle is destroyed or rendered unusable. The insurer's rental car coverage helps pay for car rental costs and covers food, accommodations and other additional expenditures if you are stranded away from home.

Auto-Owners Insurance may also waive the accident surcharge fee for your first at-fault accident during the first 36 months after you purchase your policy, provided the accident is not due to a significant infraction, such as driving under the influence.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance in Tempe

Based on an analysis of affordability and service quality for policies that only meet Arizona’s minimum coverage requirements, the best companies in Tempe are:

  • Auto-Owners Insurance: MoneyGeek score of 83 out of 100 ($373 per year)
  • Travelers: MoneyGeek score of 80 out of 100 ($349 per year)

While minimal coverage auto insurance plans in Tempe have the cheapest premiums, they provide the least protection against liability costs and do not cover damage to your vehicle.

How was this MoneyGeek score calculated?

Auto-Owners Insurance

pros

An affordable minimum coverage policy costs $373 per year

Has bundling, safe driving and early signing discounts

Low premiums and fair coverage

cons

Doesn’t offer driver’s education and automatic payment discounts

Satisfaction and claims management can be strengthened

COMPANY HIGHLIGHTS

People who want quality coverage at a fair price may find Auto-Owners Insurance's car insurance policies to be a good value. The provider has various discounts to help you save money on your policy, including bundling, safe driving and early signing discounts.

The bundling discount takes effect if you have other qualifying policies with Auto-Owners, while the safe driving discount is available to people who maintain an accident-free record. The early signing discount is a rare one and available to new customers who request a premium quote before the policy’s effective date.

Customers who pay in full can save money, as can those who don’t miss a payment for 36 consecutive months. Going paperless also qualifies you for a discount.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Tempe

In Tempe, the average cost of full vehicle insurance is $1,214 per year as of October 2022. This cost includes $100,000 per person for bodily injury liability, $300,000 per accident for bodily injury liability and $100,000 per accident for property damage liability. The average cost of vehicle insurance in Arizona is just $21 less than Tempe's average. Meanwhile, the national average costs $51 more, indicating that geography can have a considerable influence on premiums.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.