Best Tempe, AZ Auto Insurance in 2024 (Compare the Top 10 Companies)
State Farm, Geico, and Progressive are the best Tempe, AZ, auto insurance providers, offering rates as low as $58 per month. State Farm leads with excellent local agent support, Progressive is known for being budget-friendly, and Geico offers affordable coverage. Review various options to find the best deals in Tempe, AZ.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
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UPDATED: Nov 6, 2024
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Full Coverage in Tempe AZ
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Full Coverage in Tempe AZ
A.M. Best Rating
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13,128 reviewsState Farm, Geico, and Progressive have the best Tempe, AZ, auto insurance, granting rates as low as $58 monthly.
State Farm tops the list for local support, while Geico offers affordable coverage, and Progressive provides competitive pricing with useful online tools. Your rate may differ based on your driving record, vehicle type, and credit score, especially if you’re a high-risk driver.
Our Top 10 Company Picks: Best Tempe, AZ Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Local Agents | State Farm |
 | #2 | 12% | A++ | Affordable Rates | Geico |
 | #3 | 18% | A+ | Budgeting Tools | Progressive |
 | #4 | 22% | A+ | Accident Forgiveness | Allstate |
 | #5 | 13% | A++ | Military Benefits | USAA |
 | #6 | 15% | A | Customizable Policies | Farmers |
 | #7 | 19% | A+ | Vanishing Deductible | Nationwide |
 | #8 | 23% | A | Accident Forgiveness | Liberty Mutual |
 | #9 | 16% | A | Personalized Plans | American Family |
 | #10 | 7% | A+ | Exclusive Benefits | The Hartford |
Discover the best ways to secure coverage in Tempe, Arizona that fits your needs and budget by checking out our in-depth guide.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool above.
- Find the best Tempe, AZ auto insurance with rates from $58/month.
- State Farm is the top choice for reliable coverage and local agent support.
- Compare State Farm, Geico, and Progressive for affordable, tailored plans.
#1 – State Farm: Top Overall Pick
Pros
- Local Agent Assistance: The State Farm local agents in Tempe offer fast, bespoke assistance to policyholders so that they get the preferred help at the right time.
- Affordable Rates: Looking for affordable insurance to provide peace of mind and protection while driving in Tempe, AZ? State Farm offers prices starting from $78.
- Bundling Discounts: You can save up to 17 % on your insurance by combining several policies. To learn more, read our State Farm auto insurance review.
Cons
- Limited Multi-Policy Savings: While State Farm does provide discounts for using multiple policies, other providers might have better offers.
- Potentially Higher Premiums: Some Tempe, Arizona drivers might find certain coverage options a bit expensive when it comes to premiums.
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#2 – Geico: Best for Affordable Rates
Pros
- Budget-Friendly Options: Minimum coverage starts at $65 for Tempe, Arizona auto insurance. Refer to our Geico auto insurance review.
- Solid Financial Ratings: Geico, a Tempe car insurance company with an A++ rating from A.M. Best, is a sound choice.
- User-Friendly Online Tools: Manage your policies easily over the internet, perfect for insurance clients in Tempe, AZ.
Cons
- Limited Local Presence: Geico may have a limited network of local agents, which some see as a disadvantage.
- Basic Coverage Choices: In Tempe, AZ, some drivers may find the coverage options to be fairly basic.
#3 – Progressive: Best for Budgeting Tools
Pros
- Helpful Budgeting Tools: Progressive offers budgeting tools that help manage costs for Tempe, Arizona policyholders.
- Competitive Rates: Minimum coverage begins around $75 in Tempe insurance. Take a look at our Progressive auto insurance review.
- Good Customer Reputation: They have a strong track record for customer satisfaction among car insurance in Tempe drivers.
Cons
- Complex Policy Details: The policies tend to need to be clarified for a number of drivers in Tempe, AZ.
- Moderate Discounts: A number of discounts do exist, although they may not be as appealing as, for example, other insurers offer.
#4 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Allstate offers accident forgiveness, a major plus for Tempe, AZ drivers.
- Strong Discounts: Their bundling discount reaches 22%, helping Tempe, Arizona, residents save.
- Wide Coverage Options: There are a number of coverage options available to car insurance policyholders in Tempe. For more information, check out our Allstate auto insurance review.
Cons
- Higher Premiums: The lower rates might be $85 or more, which is quite expensive for Tempe residents.
- Limited Local Agents: Several auto insurance customers in Tempe, Arizona, may need access to a local agent.
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#5 – USAA: Best for Military Benefits
Pros
- Tailored Military Discounts: USAA offers distinct advantages for service members residing in Tempe, AZ.
- Low Rates: The lowest insurance coverage levels are available for as low as $58 for policyholders residing in Tempe, Arizona.
- Excellent Customer Service: Highly rated for customer satisfaction among car insurance in Tempe residents. Visit our USAA auto insurance review.
Cons
- Membership Restrictions: Only available for military members and their families, excluding many drivers in Tempe, AZ.
- Limited Coverage Choices: Compared to others, they may have fewer options for Tempe, Arizona auto insurance.
#6 – Farmers: Best for Customizable Policies
Pros
- Flexible Coverage: Farmers allow for a high level of customization in Tempe insurance. Check out our Farmers auto insurance review for more details.
- Competitive Minimum Rates: In Tempe, Arizona, anyone can purchase the minimum coverage amount which is at $80.
- Strong Local Support: There is a strong network of agents in Tempe, AZ, where they have many local agents to provide assistance.
Cons
- Mixed Customer Feedback: Few drivers based in Tempe have noticed the inconsistency in customer service.
- Average Discounts: Their promotions may not be as generous as those provided for policyholders in Tempe, Arizona, by their rivals.
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#7 – Nationwide: Best for Vanishing Deductible
Pros
- Unique Deductible Feature: Nationwide offers a vanishing deductible for safe drivers in Tempe, Arizona.
- Affordable Rates: Minimum coverage starts at $72 for Tempe insurance.
- Strong Financial Ratings: A solid A.M. Best rating ensures reliability for car insurance in Tempe drivers. Visit our Nationwide auto insurance review.
Cons
- Fewer Local Agents: Some drivers in Tempe, AZ, may find limited local agent options.
- Complex Terms: Policies can be complicated, which might confuse some Tempe, Arizona auto insurance drivers.
#8 – Liberty Mutual: Best for Accident Forgiveness
Pros
- Accident Forgiveness: In Tempe, AZ, drivers will appreciate Liberty Mutual’s accident forgiveness feature which helps lessen worries relating to premium hikes.
- High Discounts: There is a notable saving on the 23% bundling discount that is provided to the residents of Tempe City, Arizona.
- Flexible Policy Options: There are different types of car insurance policies available in Tempe. Check out our Liberty Mutual auto insurance review.
Cons
- Higher Minimum Rates: Rates start around $90, which may be too high for some.
- Variable Customer Service: Experiences with customer service can vary among Tempe, Arizona customers.
#9 – American Family: Best for Personalized Plans
Pros
- Tailored Coverage: As the name suggests, American Family is focused on auto insurance in Tempe, Arizona, tailoring plans for drivers looking to find the best coverage.
- Competitive Rates: Minimum coverage starts around $70 in Tempe insurance. View our American Family auto insurance review for more details.
- Positive Reviews: Maintains high customer satisfaction among car insurance policyholders in Tempe.
Cons
- Fewer Discounts: Existing Available discounts may not be as attractive as those in other companies.
- Limited Local Agents: The number of local agents may differ, and some may provide poor services to drivers in Tempe, AZ.
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#10 – The Hartford: Best for Exclusive Benefits
Pros
- Unique Benefits: The Hartford insurance plan enables members in Tempe to secure additional hospital benefits. Which is very helpful to older clients and AARP members.
- Competitive Rates: They offer a relatively cheaper option in Tempe, Arizona, even with minimum car coverage rates commencing at $92. Refer to our The Hartford Company auto insurance review.
- High Customer Ratings: The Hartford enjoys great respect because of its excellent customer rating among car insurance companies in Tempe.
Cons
- Higher Premiums: Compared to other options, the minimum coverage can be quite expensive.
- Limited Discounts: Their discount offerings may be less competitive than other auto insurance providers in Tempe, Arizona.
Auto Insurance Rates in Tempe, AZ
Finding the best auto insurance rates in Tempe, AZ, requires comparing providers and coverage levels. Here’s a quick look at monthly rates to help you choose the best fit for your needs.
Tempe, AZ Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $85 | $165 |
| $70 | $145 |
| $80 | $150 |
| $65 | $140 |
| $90 | $170 |
| $72 | $140 |
| $75 | $145 |
| $78 | $155 |
| $92 | $175 |
| $58 | $130 |
What is the average cost of auto insurance in Arizona? Auto insurance in Tempe usually costs around $350 per month or $4,203 annually. However, insurance companies look into many demographics when calculating your auto insurance rates.
Your age, ZIP code, driving record, and even credit history can impact your annual premiums. While some of these factors are beyond your control, there are a few that you can control. Taking the time to prove to insurance companies that you are a low-risk, safe driver will always lead to cheaper rates. Check out “How Your Credit Score Affects Your Car Insurance Premiums” for more information.
Who has the cheapest auto insurance in AZ? Find out by looking at the table below.
Tempe, Arizona Monthly Auto Insurance Cost by Age & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
 | $695 | $898 | $360 | $391 | $322 | $322 | $313 | $313 |
| $648 | $848 | $243 | $285 | $243 | $243 | $224 | $224 |
 | $1,217 | $1,266 | $308 | $317 | $273 | $273 | $242 | $259 |
 | $398 | $417 | $126 | $123 | $138 | $154 | $118 | $151 |
 | $543 | $695 | $252 | $272 | $218 | $221 | $195 | $206 |
 | $721 | $802 | $186 | $184 | $174 | $151 | $156 | $148 |
 | $805 | $1,011 | $276 | $349 | $256 | $256 | $227 | $227 |
 | $520 | $656 | $184 | $193 | $174 | $183 | $163 | $173 |
| $538 | $615 | $187 | $200 | $142 | $142 | $133 | $134 |
Women around the age of 60 receive the cheapest average auto insurance rates in your city. However, as you can see from the data, the company you choose matters. This is because every company uses a different equation to determine your quotes.
Because of all of these variables, we recommend comparing rates from as many different companies as you can. The easiest and fastest way to do this is by comparing the cheapest auto insurance quotes online using a free quote tool.
Keep reading to learn what major factors will impact your individual auto insurance quotes the most, and why it can cause your premiums to increase or decrease.
Affordable Auto Insurance in Tempe: Your Guide to Savings
Are you looking for cheap auto insurance in Tempe, AZ? Tempe, AZ auto insurance costs an average of $350 per month or $4,203 annually. The city of Tempe sits in the heart of Arizona, with several major cities located nearby.
5 Most Common Auto Insurance Claims in Tempe, AZ
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 30% | $3,000 |
| Liability | 25% | $2,500 |
| Comprehensive | 20% | $1,800 |
| Personal Injury | 15% | $15,000 |
| Property Damage | 10% | $1,200 |
With so many drivers on the roads, Tempe insurance can sometimes be higher than average. However, by learning how your premiums are calculated, you’ll be able to find cheap auto insurance quotes in Tempe with ease.
Read through our Tempe, AZ auto insurance guide to better understand how to compare auto insurance quotes from agencies in your city.
Can’t wait to get started? To secure cheap Tempe, AZ car insurance quotes enter your five-digit Tempe ZIP code into our free quote comparison tool above and start shopping immediately.
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Auto Insurance Coverage Requirements in Arizona
Virtually every state has some form of liability insurance requirement or law, and Arizona is no exception. To learn what insurance you must carry in order to drive legally in Tempe, AZ, take a look at the table below.
Auto Insurance Coverage Requirements in Arizona
| Coverage | Requirements | Most Common |
|---|---|---|
| Bodily injury liability | $15,000 / $30,000 | $100,000 / $300,000 |
| Property damage liability | $10,000 | $25,000 |
| Uninsured motorist bodily injury | Not required | $15,000 / $30,000 |
| Medical payments | Not required | $5,000 |
| Collision | Not required | $500 deductible |
| Comprehensive | Not required | $0 deductible |
While Arizona only requires you to carry liability insurance, it might be worth your while to purchase more than your state’s minimum policy requirements. Automobile liability coverage will only help cover damages from an accident that you cause.
If you are hit by another driver, or if your vehicle is stolen or damaged from severe weather, a liability only policy cannot help you. In those scenarios, you’ll need to purchase collision and comprehensive coverage to be protected.
Similarly, if you finance or lease your vehicle, you may need to purchase gap coverage. Gap insurance helps you pay off the remainder of your car loan if your leased or financed vehicle is totaled and you still owe more on the loan than the vehicle’s actual cash value.
Tempe, AZ Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Uninsured Motorist Coverage | A | Essential coverage in case of accidents with uninsured drivers. |
| Collision Coverage | A- | Strong protection against accidents. |
| Comprehensive Coverage | B+ | Good for theft and non-collision incidents. |
| Liability Coverage | B | Adequate but could benefit from increased limits. |
| Personal Injury Protection | B | Covers medical expenses; more options available. |
If you live in Tempe, both Liberty Mutual and State Farm offer some pretty affordable, competitive rates. But remember that a cheap policy is not always the best policy. Seek out consumer reviews for the companies you are most interested in. An insurance company that takes forever to close out claims and that treats customers poorly is not worth your time or money.
ZIP Codes with the Lowest Auto Insurance Rates in Tempe, AZ
Insurance agencies want to know where you live and where you’ll be driving your vehicle the most. Cities that have a high population density usually also have more vehicles on the road. More vehicles driving bumper to bumper usually also means a higher chance of getting into an accident.
Tempe, AZ Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers | |
|---|---|---|---|---|
| Student Discount | A | 25% | State Farm, Geico | |
| Good Driver Discount | A | 20% | State Farm, Geico, Progressive | |
| Safe Vehicle Discount | A- | 10% | USAA, Liberty Mutual | |
| Low Mileage Discount | B+ | 12% | Mercury, Nationwide | |
| Multi-Policy Discount | B | 15% | Allstate, Farmers |
Conversely, if you live in a rural area or in a neighborhood with fewer people, you’re less likely to be involved in an automobile accident.
According to City-Data, the population of Tempe, AZ in 2017 was 185,038, with a density of 4,619 people per square mile. There are five different ZIP codes throughout the city.
Find your ZIP code in the table below to see if your neighborhood pays more or less annually for auto insurance compared to your neighbors.
Tempe, AZ Auto Insurance Rates by ZIP Code
| ZIP Code | Monthly Rates |
|---|---|
| 85287 | $341 |
| 85284 | $342 |
| 85281 | $354 |
| 85282 | $360 |
| 85283 | $361 |
As you can see, where you park your car at night makes a difference. Tempe residents with a 85287 ZIP code pay $20 less per month for insurance than their neighbors with a 85283 ZIP code.
Automotive Accidents in Tempe, AZ
Even though Tempe’s population is under 200,000 people, the city itself actually has fatal accident statistics which are more similar to a city two to three times as large.
Unfortunately, when the roads in your town aren’t very safe to drive on, insurance companies will charge higher rates as a way to mitigate the costs from all of the extra claims that get filed.
Tempe, AZ Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chandler | $1,000 | $800 |
| Mesa | $1,500 | $1,100 |
| Phoenix | $5,000 | $3,800 |
| Scottsdale | $800 | $600 |
| Tempe | $1,200 | $900 |
If you live in Tempe, Arizona, and have a perfect driving record, be sure to seek out safe driver discounts to help lower your rates.
Auto Thefts in Tempe, AZ
Obtaining cheap auto insurance can be difficult if you live in a city with higher-than-average crime rates, especially when it comes to vehicle theft. If you drive a trendy car or truck model that happens to be a popular target for thieves, expect your rates to be even higher.
Fortunately, the amount of stolen vehicles in Tempe started to drop dramatically in 2010. This was a significant reduction from previous years. The rates have stayed the same ever since.
Remember, a liability-only auto insurance policy will not protect your assets from vehicle theft. In order to rely on your auto insurance to help replace a stolen vehicle, you’ll have to invest in comprehensive coverage.
Best Auto Insurance for Credit History Rates in Tempe, AZ
Did you know your credit score can impact your auto insurance rates? Some insurance providers will severely increase your rates if you have poor credit. Fortunately, bad credit does not have to last forever. By making your auto insurance payments on time every month, you can improve your credit score.
Gender and Age Impact Auto Insurance Rates in Tempe, AZ
It is commonly known that the younger you are as a driver, the higher your auto insurance rates will be. Auto insurance rates for teenagers are higher than average because young drivers lack experience and are statistically more likely to cause car accidents.
If you’re a teen driver in Tempe, consider looking into State Farm or Liberty Mutual for cheaper auto insurance. Safe driver discounts and good student discounts can also help lower your rates.
Best Auto Insurance for Driving Record Rates in Tempe, AZ
Insurance companies will look at your driving record when determining your auto insurance quotes. If you have a perfect driving record, you’ll receive the lowest rates. Even a Tempe speeding ticket can cause a modest rate spike. If you commit too many traffic violations, companies may refuse to insure you altogether.
However if you only have one or two minor incidents on your record, ask insurance providers about accident forgiveness programs to see if they will cut you a lucky break.
Minor Factors for Tempe, AZ Auto Insurance Rates
In Tempe, AZ, a few smaller details can nudge your auto insurance rates up or down. For example, being married might help you save if you bundle policies with your spouse, and driving fewer miles each year could mean a slight discount.
The lower your auto insurance deductible is, the greater your monthly payments tend to be. Similarly, the higher your deductible, the lower your monthly rates are. For more information, check out our “An Explanation of Deductibles.”
Therefore, raising your deductible will help decrease your monthly rates. For some people, this is a good way to purchase higher coverage on a budget. However, remember that if you need to file any insurance claims, you will be responsible for paying for that deductible out of pocket.
When your child goes away to college, there are options to lower your insurance premiums. Here’s how: https://t.co/RaefBSO3Ty#carinsurance pic.twitter.com/9M1Zk15gbP
— State Farm (@StateFarm) October 8, 2024
It might come as a surprise to some, but your academic qualifications can also play a part in insurance policies with some companies offering discounts for degree holders. It may not amount to a sea change, but it is better than nothing.
How We Conducted Our Auto Insurance Analysis
We calculated our average rates based on a married, home-owning 34-year-old male with good credit, a 12-month history of maintaining auto insurance, and a clean driving record. The miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device. Check out “Anti-Theft Device Discount” for more details.
Ready to buy Tempe, AZ, car insurance? To start comparison shopping for your best Tempe, AZ car insurance rates, simply enter your Tempe ZIP code into our free quote tool below to find affordable Tempe, AZ car insurance.
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Case Studies: Real-World Insights on Tempe, AZ Auto Insurance
Let’s dive into three real-life stories from drivers in Tempe, AZ, showcasing their journeys with various auto insurance providers. These examples reveal the unique experiences and challenges faced by policyholders, offering insights for others navigating the local insurance landscape.
- Case Study #1 – State Farm and Local Support: Sarah turned to State Farm as a reliable provider as Tempe, AZ community members acquired fresh set of wheels. Thanks to a nearby agent, she was able to get a full coverage policy of $78 montly that also included her homeowners insurance for convenience.
- Case Study #2 – Geico’s Budget-Friendly Approach: Post-graduation, after finding Geico’s services of car insurance quotes very interesting, Mike decided to research the company. His aspect was the possibility of obtaining several quotes from the internet without having to communicate with anyone, and he even got a quote of less than $65 for coverage.
- Case Study #3 – Progressive’s Budgeting Tools: Emily, a working wife and mother, acquired a family insurance cover with Progressive as a way of minimizing the expenses of the family. She did not have any issue with spending $75 every month for an application that tracked all her expenses as well as her savings to help on better budgeting.
These case studies highlight the diverse experiences Tempe drivers face with auto insurance. From State Farm’s local support to Geico’s affordability and Progressive’s budgeting tools, each choice offers unique advantages that cater to different needs in the vibrant Tempe insurance market.
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Each provider has distinct strengths, making it easier for drivers to find the right fit for their unique situations. Get fast and cheap auto insurance coverage today with our quote comparison tool below.
Frequently Asked Questions
What types of auto insurance coverage can I find in Tempe, Arizona?
In Tempe, Arizona, you can choose from a variety of coverage options, including liability, motorists without insurance, comprehensive and collision coverage. Each offers different protections, so it’s wise to evaluate your needs and choose accordingly.
What are some effective ways to reduce my car insurance costs?
To reduce your car insurance premium, think about bundling your policies, keeping a good driving record, and choosing higher deductibles. Additionally, many insurers offer discounts for safety features in your vehicle, so don’t hesitate to ask.
Do I need to have car insurance to drive legally in Arizona?
Yes, Arizona law mandates that all drivers carry a minimum level of liability insurance. This helps ensure that you can cover damages if you’re involved in an accident. Discover cheap auto insurance rates from the top providers by entering your ZIP code below.
What affects how much I pay for car insurance in Tempe?
There are naked kinks that can affect your insurance rate such as your driving record, your age, the kind of car you have, and even locality. Besides, credit score and the history of claims can defer.
Am I allowed to adjust my coverage after I’ve bought a policy?
Absolutely! You can modify your coverage at any time. If your needs change—like getting a new car or moving to a different area—it’s a good idea to reassess your policy to make sure it fits your situation.
What steps should I take immediately following a car accident?
First, ensure everyone’s safety and call for medical help if needed. Then, information was exchanged with the other driver, and the scene was documented with photos. Finally, report the incident to your insurance provider as soon as possible. Check out our “Driving Tips for Road Safety.”
Can you explain how to file an insurance claim?
Typically, the steps involved in filing a claim would require you to call your insurance company, explain what happened, and give necessary evidence. Each insurer may put different processes in place, which is why it would be prudent to confirm with your provider what they specifically need.
Do auto insurance companies in Tempe offer discounts for safe driving?
Yes, many insurers provide discounts for drivers with a clean record or those who take defensive driving courses. It’s definitely worth asking your provider about any available discounts to save some cash! Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.
Can you clarify the difference between comprehensive and collision insurance?
Collision coverage pays for the damage expenses to your car, while comprehensive coverage covers non-collision events—like theft or natural disasters. Having both can give you peace of mind on the road. Refer to our “Will my auto insurance cover non-accident repairs?”
What’s the best way to choose an auto insurance company in Tempe?
To begin with, solicit estimates from several available insurance providers and analyze the basic coverage. In addition, evaluate the ratings of the customer service and the economic power of an insurer in order to judge whether it is a suitable company for you or not.