Buy Cheap Tempe, AZ Auto Insurance

The average annual car insurance rates in Tempe, AZ are around $4,203. The cheapest car insurance company in Tempe, AZ is GEICO, although rates will vary for each person. Tempe, AZ car insurance must meet the state minimum requirements with coverage levels of 15/30/10 for liability and property damage.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: May 2, 2021

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A Concise Overview

  • The average annual auto insurance rate for Tempe, AZ is $4,203
  • The cheapest auto insurance company in Tempe, AZ is GEICO, and the second cheapest is USAA
  • Tempe, AZ rates are affected by the traffic that is shared with Gilbert as well as Phoenix
  • The average commute time for Tempe is 21 min

Tempe, AZ auto insurance rates, on average, are well above the state average. They are about the same as Gilbert rates and about $600 cheaper than Phoenix rates.

You can save on Tempe, Arizona, auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in Tempe, Arizona for every age, credit history, and driving record.

Ready to find affordable Tempe, AZ auto insurance rates? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Tempe, AZ?

The cheapest Tempe, AZ car insurance company, based on average rates, is GEICO.

The top car insurance companies in Tempe, AZ, ranked from cheapest to most expensive are:

  • GEICO – $2,436
  • USAA – $3,135
  • Travelers – $3,370
  • Progressive – $3,784
  • Nationwide – $3,903
  • American Family – $4,437
  • State Farm – $5,109
  • Allstate – $5,421
  • Farmers – $6,234

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Tempe, AZ?

All Tempe drivers have to meet the Arizona state law minimum requirements to buy auto insurance.

In Arizona, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $10,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects auto insurance rates in Tempe, AZ?

Tempe is the eighth-largest city in Arizona and about a 20 min drive from Gilbert and about 20 min from Phoenix. Let’s take a look at how Tempe car insurance rates compare to other cities in Arizona.

Phoenix, AZ — $4,801 (most expensive)
Tempe, AZ — $4,203
Gilbert, AZ — $4123
Desert Hills, AZ — $2,896 (cheapest)

INRIX doesn’t rank Tempe or Gilbert but does rank Phoenix. INRIX ranks Phoenix as the 33rd-most congested city in the U.S. Tempe is west of Gilbert and east of Phoenix, so traffic heading to a larger city can affect car insurance rates.

City-Data reports an average commute time for Tempe is 21 minutes.

Car theft in Tempe also affects rates. The FBI’s most recent annual statistics report 473 car thefts in a city population of 186,086. That’s a rate of 254 cars stolen per 100,000 population.

Tempe, AZ Auto Insurance: The Bottom Line

Tempe has slightly above-average car insurance rates compared to other cities of its size in Arizona, but you can still save by shopping around and comparing.

Before you buy Tempe, AZ auto insurance, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Tempe, AZ auto insurance quotes.

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