Compare Tempe, AZ Car Insurance Rates (2021)

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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Mar 4, 2021

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Here’s What You Need To Know

  • The average annual car insurance rate for Tempe, AZ is $4,203
  • The cheapest car 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 car 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 car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Tempe, Arizona for every age, credit history, and driving record.

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

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

The cheapest car insurance company in Tempe, 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 car insurance coverage is required in Tempe, AZ?

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

What affects car 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 Car 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 car insurance in Tempe, AZ, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Tempe, AZ car insurance quotes.

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