Cheapest Car Insurance In Tempe, AZ 2025
For affordable minimum car insurance in Tempe, Auto-Owners comes out on top with a $52monthly average.
We’ve saved shoppers an average of $600 per year on their car insurance.
When you’re on the hunt for cheap car insurance in Tempe, AZ, expect a wide range in rates.
Auto-Owners is the most affordable for liability-only coverage. Auto-Owners is the top pick for full coverage, and Clearcover offers the best prices for younger drivers.
Cheapest Car Insurance Companies In Tempe, AZ 2025
Cheapest Liability-only Car Insurance In Tempe: Auto-Owners
For minimum car insurance in Tempe, Auto-Owners is the cheapest, with an average price of $52 monthly.
Refer to the table below to check and compare rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $52 | $624 |
| State Farm | $65 | $780 |
| USSA | $72 | $864 |
| National General | $95 | $1,140 |
| Allstate | $105 | $1,260 |
Cheapest Full Coverage Insurance Rates In Tempe: Auto-Owners
The cheapest full coverage car insurance in Tempe is with Auto-Owners, averaging $85 each month.
The table below provides a side-by-side look at average auto insurance quotes from affordable Tempe companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $85 | $1,020 |
| Root | $140 | $1,680 |
| State Farm | $105 | $1,260 |
| GEICO | $107 | $1,284 |
| Mile Auto | $102 | $1,224 |
Cheapest Car Insurance Rates For Seniors: Ameriprise Group
The cheapest car insurance for seniors in Tempe comes from Ameriprise Group, averaging $47 per month.
The table below presents average quotes from the most affordable auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Ameriprise Group | $47 | $564 |
| USAA | $85 | $1,020 |
| American family | $67 | $804 |
| Hallmark Insurance Group | $76 | $912 |
| ACCC Insurance Company | $55 | $660 |
Cheapest Rates In Tempe For Teenagers: Clearcover
For teens in Tempe, Clearcover provides the cheapest car insurance, averaging $109 per month.
See the table below for a list of companies with the lowest insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $109 | $1,308 |
| USAA | $248 | $2,976 |
| ACCC Insurance Company | $190 | $2,280 |
| Farm Bureau Mutual (IA Group) | $243 | $2,916 |
| CSAA | $215 | $2,580 |
Cheapest Auto Insurance For Young Adults in Tempe: Clearcover
If you’re a young adult in Tempe, Clearcover offers the lowest average car insurance rate at $122 monthly.
Refer to the table below to compare low-cost car insurance rates for young adults in Tempe.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $122 | $1,464 |
| ACCC Insurance Company | $164 | $1,968 |
| USAA | $159 | $1,908 |
| Safeco | $152 | $1,824 |
| American Family | $144 | $1,728 |
Cheapest Car Insurance In Tempe For Good Drivers: Auto-Owners
In Tempe, Auto-Owners is the top choice for good drivers looking for cheap car insurance at $52 a month.
If you’re a good driver, the table below helps you find average quotes from affordable insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $52 | $624 |
| State Farm | $65 | $780 |
| USSA | $72 | $864 |
| National General | $95 | $1,140 |
| Allstate | $105 | $1,260 |
Find affordable Tempe rates
Cheapest Car Insurance In Tempe After A Speeding Ticket: Auto-Owners
Auto-Owners offers competitive rates in Tempe, charging about $64 monthly on average for drivers with speeding tickets.
Refer to the table below to find average car insurance rates for drivers with speeding tickets.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $64 | $768 |
| GEICO | $77 | $924 |
| National General | $113 | $1,356 |
| Travelers | $131 | $1,572 |
| Country Financial | $149 | $1,788 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Drivers who were at fault in an accident can find the best insurance deal with Auto-Owners, at an average of $68 per month.
The following car insurance companies have the best rates for drivers with an at-fault accident on file.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $816 |
| GEICO | $81 | $972 |
| National General | $117 | $1,404 |
| Travelers | $136 | $1,632 |
| Country Financial | $157 | $1,884 |
Cheapest Rates In Tempe For Drivers After A DUI: Auto-Owners
Auto-Owners leads in affordability for Tempe drivers with a DUI, offering rates that average $74 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $74 | $888 |
| GEICO | $87 | $1044 |
| National General | $133 | $1596 |
| Travelers | $152 | $1824 |
| Country Financial | $172 | $2064 |
Best Car Insurance Companies In Tempe
Auto-Owners is the most budget-friendly insurer in Tempe at $52 a month. State Farm and USSA are also affordable, charging $65 and $72, respectively.
Below is a ranking of the 10 cheapest car insurance companies in Tempe, AZ, by their monthly average rate.
| Company | Monthly Premium |
| Auto-Owners | $52 |
| State Farm | $65 |
| USSA | $72 |
| National General | $95 |
| Allstate | $105 |
| Travelers | $108 |
| Mercury | $113 |
| Country Financial | $124 |
| Direct Auto | $125 |
| Farmers | $128 |
How Much Is Car Insurance In Other Cities in Arizona?
Living in a city can increase your car insurance premiums because of higher chances of accidents, theft, and vandalism, all of which insurers consider when setting rates.
In Phoenix, monthly car insurance premiums average $184, whereas Prescott drivers pay about $103 each month.
| City | Average Monthly Rate |
| Prescott | $103 |
| Apache Junction | $113 |
| Phoenix | $184 |
| Casa Grande | $132 |
| Peoria | $158 |
| Chandler | $157 |
| Glendale | $180 |
| Flagstaff | $128 |
| Mesa | $146 |
| Gilbert | $178 |
Average Rates In Tempe – By Age
Due to higher accident rates among young drivers, insurance companies charge teens roughly $3,180 per year for coverage.
After 25, drivers can expect lower premiums, but only if they’ve kept their driving record clean.
Car insurance rates are usually lowest for drivers in their 50s and early 60s, who are seen as experienced and less likely to file claims.
| Age | Average Yearly Rate |
| Teenagers | $3,180 |
| 20s | $2,460 |
| 30s | $2,040 |
| 40s | $1,500 |
| 50s | $1,380 |
| 60s | $1,200 |
| 70s | $1,320 |
Average Rates In Tempe – By Vehicle
Driving a newer or luxury vehicle usually results in a higher insurance bill. Insurers factor in the car’s make, model, and year when calculating risk and cost.
Look at the table below to find average car insurance rates in Tempe for different vehicle types.
| Vehicle | Average Monthly Rate |
| Chevrolet Silverado | $429 |
| Kia Sorento | $290 |
| Honda Pilot | $430 |
| Kia Optima | $117 |
| Ford Mustang | $380 |
Average Cost Of Auto Insurance In Tempe – By Zip Code
Insurance providers use zip codes to determine local crime risk, leading to different insurance rates for different areas.
Below is a comparison of average insurance premiums by zip code in Tempe.
| City | Average Monthly Rate |
| 85283 | $170 |
| 85282 | $156 |
| 85552 | $92 |
| 85281 | $165 |
| 85284 | $185 |
Find affordable Tempe rates
Our Methodology
I’ve created a detailed report on Tempe, AZ car insurance providers by analyzing customer service, policy options, costs, and numerous online reviews.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Tempe?
Auto-Owners has the most affordable minimum required coverage in Tempe, and Auto-Owners offers the best rates for full coverage that includes comprehensive and collision.
What is the average cost of car insurance in Tempe?
The average monthly cost for car insurance in Tempe is near $170, but your rates can vary depending on zip code, vehicle, and driving record.
