Compare Tempe, AZ Car Insurance Rates (2021)

Car insurance in Tempe, AZ averages $350 a month. Tempe, Arizona car insurance requirements are 15/30/10, but you might need full coverage insurance if your car is financed. To find cheap Tempe car insurance rates, compare quotes from the top car insurance companies in Tempe, AZ.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest ZIP code in Tempe is 85287
  • The cheapest car insurance company in Tempe for teen drivers is GEICO
  • Average car insurance rates in Tempe, AZ are $4,203/year

If you need to buy Tempe, Arizona car insurance, the options can be confusing. Everything you need to know about car insurance in Tempe, AZ is right here.

You’ll find Tempe car insurance rates, the cheapest Tempe, AZ car insurance companies, and information on Arizona car insurance laws. You can also compare Tempe, Arizona car insurance rates to Tucson car insurance rates, Scottsdale car insurance rates, and Mesa car insurance rates.

Ready to find affordable Tempe, AZ car insurance today? Enter your ZIP code for fast, free Tempe car insurance quotes.

Cheapest Tempe, AZ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Tempe, AZ car insurance rates? Every Tempe, Arizona car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tempe, Arizona

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,864 $3,864 $3,760 $3,760 $8,342 $10,779 $4,315 $4,687
American Family $2,922 $2,922 $2,683 $2,683 $7,773 $10,176 $2,922 $3,417
Farmers $3,278 $3,280 $2,904 $3,103 $14,610 $15,190 $3,701 $3,810
GEICO $1,657 $1,847 $1,414 $1,813 $4,772 $5,002 $1,508 $1,471
Nationwide $2,613 $2,655 $2,339 $2,473 $6,522 $8,336 $3,023 $3,264
Progressive $2,084 $1,816 $1,874 $1,780 $8,651 $9,628 $2,234 $2,207
State Farm $3,076 $3,076 $2,719 $2,719 $9,655 $12,129 $3,311 $4,189
Travelers $2,090 $2,197 $1,951 $2,073 $6,239 $7,878 $2,210 $2,322
USAA $1,703 $1,705 $1,593 $1,607 $6,460 $7,376 $2,244 $2,396

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Tempe, AZ

Every driver must carry the minimum car insurance in Tempe, AZ. Take a look at the Arizona car insurance requirements.

Minimum Required Car Insurance Coverage in Tempe, Arizona

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Tempe, AZ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Tempe, AZ. Compare credit history car insurance rates in Tempe from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Tempe, Arizona

Insurance Company Poor Fair Good
Allstate $6,923 $4,940 $4,401
American Family $5,574 $4,155 $3,583
Farmers $7,087 $5,954 $5,662
GEICO $3,349 $2,195 $1,763
Nationwide $4,700 $3,740 $3,269
Progressive $4,216 $3,689 $3,448
State Farm $9,406 $3,641 $2,280
Travelers $4,095 $3,345 $2,669
USAA $4,116 $2,885 $2,405

Cheapest Tempe, AZ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Tempe, AZ to rates for a clean record with top companies.

Annual Tempe, Arizona Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,340 $5,504 $6,229 $5,613
American Family $3,149 $4,866 $6,077 $3,657
Farmers $5,267 $6,807 $6,643 $6,221
GEICO $1,879 $2,555 $3,430 $1,879
Nationwide $3,304 $3,476 $5,138 $3,694
Progressive $3,337 $4,403 $3,521 $3,876
State Farm $4,641 $5,578 $5,109 $5,109
Travelers $2,692 $3,515 $3,917 $3,355
USAA $2,278 $3,270 $4,312 $2,682

Cheapest Tempe, AZ Car Insurance for Teen Drivers

Teen car insurance in Tempe, AZ can be expensive. Take a look at rates from the top car insurance companies in Tempe for teenagers.

Annual Car Insurance Rates for Teen Drivers in Tempe, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,342 $10,779
American Family $7,773 $10,176
Farmers $14,610 $15,190
GEICO $4,772 $5,002
Nationwide $6,522 $8,336
Progressive $8,651 $9,628
State Farm $9,655 $12,129
Travelers $6,239 $7,878
USAA $6,460 $7,376

Cheapest Tempe, AZ Car Insurance for Seniors

Take a look at Tempe, AZ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Tempe, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,760 $3,760
American Family $2,683 $2,683
Farmers $2,904 $3,103
GEICO $1,414 $1,813
Nationwide $2,339 $2,473
Progressive $1,874 $1,780
State Farm $2,719 $2,719
Travelers $1,951 $2,073
USAA $1,593 $1,607

Cheapest Tempe, AZ Car Insurance Rates After a DUI

A DUI in Tempe, AZ increases car insurance rates. Compare Tempe, Arizona DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Tempe, Arizona

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,229
American Family $6,077
Farmers $6,643
GEICO $3,430
Nationwide $5,138
Progressive $3,521
State Farm $5,109
Travelers $3,917
USAA $4,312

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Tempe, AZ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Tempe, AZ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Tempe, Arizona

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,421 $5,421
American Family $4,395 $4,479
Farmers $6,234 $6,234
GEICO $2,395 $2,476
Nationwide $3,903 $3,903
Progressive $3,784 $3,784
State Farm $4,979 $5,240
Travelers $3,370 $3,370
USAA $3,102 $3,169

Cheapest Tempe, AZ Car Insurance Rates by ZIP Code

Tempe car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Tempe, AZ.

Annual Car Insurance Rates by ZIP Code in Tempe, Arizona

ZIP Code Average Annual Rates
85281 $4,254
85282 $4,318
85283 $4,333
85284 $4,103
85287 $4,092

The Best Cheap Car Insurance Companies in Tempe, AZ

Take a look at a side-by-side comparison of the top car insurance companies in Tempe, AZ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Tempe, Arizona

Insurance Company Average Annual Rates
Allstate $5,421
American Family $4,437
Farmers $6,234
GEICO $2,436
Nationwide $3,903
Progressive $3,784
State Farm $5,109
Travelers $3,370
USAA $3,135

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Tempe, Arizona

Find the cheapest car insurance companies in Tempe, AZ for each category right here.

Best Annual Car Insurance Rates by Company in Tempe, Arizona

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Tempe, AZ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Tempe car insurance rates. Find the cheapest Tempe, AZ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Tempe, Arizona

Insurance Company Low Medium High
Allstate $5,056 $5,448 $5,760
American Family $4,259 $4,579 $4,475
Farmers $5,198 $6,306 $7,199
GEICO $2,016 $2,476 $2,815
Nationwide $3,696 $3,954 $4,059
Progressive $3,310 $3,858 $4,185
State Farm $4,578 $5,209 $5,541
Travelers $2,996 $3,426 $3,688
USAA $2,873 $3,182 $3,352

What affects car insurance rates in Tempe, Arizona?

What factors can have an impact on Tempe, AZ car insurance? There are several reasons why Tempe car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Tempe, Arizona.

Car Theft in Tempe

High levels of vehicle theft can make car insurance more expensive. Tempe, AZ car theft statistics from the FBI indicate 538 vehicle thefts a year.

Commute Time in Tempe

The more time you spend in your car the higher the risk of an accident. The average commute length in Tempe, AZ is 21.0 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Tempe, AZ

Ready to find affordable Tempe, Arizona car insurance today? Enter your ZIP code for fast, free Tempe, AZ car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption