Cheapest Car Insurance In Tempe, AZ 2024
Auto-Owners is the most affordable option in Tempe, offering an average rate of $50 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Tempe, AZ, the options can vary widely.
For liability-only coverage, Auto-Owners is the clear winner. Drivers seeking full coverage also find that Auto-Owners offers the best rates, while Clearcover provides the lowest premiums for young drivers.
Cheapest Car Insurance Companies In Tempe, AZ 2024
Cheapest For Seniors: Ameriprise Group
Ameriprise Group offers the lowest car insurance rates for seniors in Tempe, with quotes averaging $50 per month.
| 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 Minimum Coverage Car Insurance In Tempe: Auto-Owners
Auto-Owners offers the lowest rates for minimum coverage car insurance in Tempe, with an average monthly cost of $50.
| 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 Rates In Tempe: Auto-Owners
Auto-Owners provides the most affordable full coverage car insurance in Tempe, with average quotes of $95 per month.
| 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 In Tempe After A Speeding Ticket: Root Insurance Company
Root Insurance Company is notably affordable compared to other insurers, with average rates of $80 per month.
| 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: Root Insurance Company
Root Insurance Company provides the most affordable car insurance rates for drivers with an at-fault incident, with an average monthly rate of $80.
| 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 Car Insurance In Tempe For Drivers After A DUI: Root Insurance Company
Root Insurance Company offers the lowest car insurance rates for drivers with a DUI in Tempe, with average monthly premiums of $70.
| 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 |
Cheapest For Young Adults: Clearcover
Clearcover offers the lowest car insurance rates for young adults in Tempe, with rates averaging around $125 per month.
| 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 |
Most Affordable Rates In Tempe For Teenagers: Clearcover
Clearcover provides the most affordable car insurance for teenage drivers in Tempe, with average monthly premiums of $100.
| 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 |
Best Car Insurance Companies In Tempe
Here are the top 10 car insurance companies in Tempe, AZ, ranked by their average monthly rates.
| 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?
| 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
| 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
| 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
| City | Average Monthly Rate |
| 85283 | $170 |
| 85282 | $156 |
| 85552 | $92 |
| 85281 | $165 |
| 85284 | $185 |
Our Methodology
Based on a detailed analysis of customer service ratings, product options, pricing, and extensive reviews from various online sources and user experiences, I’ve created a comprehensive overview of car insurance providers in Tempe, AZ.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Tempe?
In Tempe, Auto-Owners provides the lowest rates for both the minimum coverage required by Arizona state law and for full coverage, which includes comprehensive and collision protection.
What is the average cost of car insurance in Tempe?
In Tempe, the average cost of car insurance is approximately $165 per month. Rates can vary based on factors such as your zip code, the year and model of your car, and your driving record.
