Cheapest Car Insurance In Tempe, AZ 2025
For affordable minimum car insurance in Tempe, GEICO comes out on top with a $37 monthly 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.
GEICO is the most affordable for liability-only coverage. Progressive is the top pick for full coverage, and State Farm offers the best prices for younger drivers.
Cheapest Car Insurance Companies In Tempe, AZ 2025
Cheapest Liability-only Car Insurance In Tempe: State Farm
For minimum car insurance in Tempe, GEICO is the cheapest, with an average price of $37 monthly.
Refer to the table below to check and compare rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $65 | $780 |
| Mile Auto | $55 | $660 |
| Root | $75 | $900 |
| Auto-Owners | $50 | $600 |
| State Farm | $70 | $840 |
Cheapest Full Coverage Insurance Rates In Tempe: Travelers
The cheapest full coverage car insurance in Tempe is with Progressive, averaging $92 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 |
| State Farm | $105 | $1,260 |
| Root | $125 | $1,500 |
| Auto-Owners | $95 | $1,140 |
| GEICO | $115 | $1,380 |
| Mile Auto | $100 | $1,200 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
The cheapest car insurance for seniors in Tempe comes from State Farm, averaging $87 per month.
The table below presents average quotes from the most affordable auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $70 | $840 |
| USAA | $85 | $1,020 |
| Ameriprise Group | $50 | $600 |
| Hallmark Insurance Group | $80 | $960 |
| ACCC Insurance Company | $55 | $660 |
Cheapest Rates In Tempe For Teenagers: State Farm
For teens in Tempe, State Farm provides the cheapest car insurance, averaging $313 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 |
| ACCC Insurance Company | $185 | $2,220 |
| USAA | $250 | $3,000 |
| Clearcover | $100 | $1,200 |
| Farm Bureau Mutual (IA Group) | $240 | $3,880 |
| CSAA | $210 | $2520 |
Cheapest Auto Insurance For Young Adults in Tempe: Liberty Mutual
If you’re a young adult in Tempe, State Farm offers the lowest average car insurance rate at $238 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 |
| Safeco | $135 | $1,620 |
| ACCC Insurance Company | $160 | $1,920 |
| USAA | $150 | $1,800 |
| Clearcover | $125 | $1,500 |
| American Family | $140 | $1,680 |
Cheapest Car Insurance In Tempe For Good Drivers: State Farm
In Tempe, GEICO is the top choice for good drivers looking for cheap car insurance at $37 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 |
| State Farm | $60 | $720 |
| Farmers | $112 | $1,344 |
| Travelers | $64 | $768 |
| Progressive | $129 | $1,548 |
| Allstate | $188 | $2,256 |
Find affordable Tempe rates
Cheapest Car Insurance In Tempe After A Speeding Ticket: Travelers
State Farm offers competitive rates in Tempe, charging about $176 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 |
| GEICO | $100 | $1,200 |
| Auto-Owners Insurance Co | $90 | $1,080 |
| Travelers | $120 | $1,440 |
| Root Insurance Company | $80 | $960 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers who were at fault in an accident can find the best insurance deal with State Farm, at an average of $193 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 |
| Travelers | $120 | $1,440 |
| Auto-Owners Insurance Co | $135 | $1,620 |
| State Farm | $130 | $1,560 |
| Root Insurance Company | $80 | $960 |
| GEICO | $125 | $1,500 |
Cheapest Rates In Tempe For Drivers After A DUI: Travelers
State Farm leads in affordability for Tempe drivers with a DUI, offering rates that average $188 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $120 | $1,440 |
| Auto-Owners Insurance Co | $180 | $2,160 |
| Root Insurance Company | $70 | $840 |
| Travelers | $130 | $1,560 |
| State Farm | $125 | $1,500 |
Best Car Insurance Companies In Tempe
AAA California is the most budget-friendly insurer in Tempe at $83 a month. Progressive and GEICO are also affordable, charging $90 and $93, respectively.
Below is a ranking of the 10 cheapest car insurance companies in Tempe, AZ, by their monthly average rate.
| Company | Monthly Premium |
| Mercury Insurance | $139 |
| USAA | $123 |
| ACCC Insurance Company | $140 |
| Clearcover | $101 |
| Safeco | $122 |
| Kemper Premium | $76 |
| Mercury | $150 |
| Kemper Personal Insurance | $79 |
| American Family | $143 |
| Ameriprise Group | $57 |
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 Los Angeles, monthly car insurance premiums average $243, whereas San Diego drivers pay about $176 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 $7,599 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 |
| 2021 Chevrolet Silverado | $429 |
| 2011 Kia Sorento | $290 |
| 2011 Honda Pilot | $430 |
| 2019 Kia Optima | $117 |
| 2012 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?
GEICO has the most affordable minimum required coverage in Tempe, and Progressive 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 $180, but your rates can vary depending on zip code, vehicle, and driving record.
