Cheapest Auto Insurance in Tempe, Arizona (2026)

Tempe drivers pay an overall average of $144 per month for car insurance, which exceeds the Grand Canyon State’s average of $126 per month. The Arizona city borders the east side of Phoenix, which has a population of more than 1.6 million. Tempe’s close proximity to the largest city in the state might have something to do with its above-average car insurance premiums.

However, you can still find ways to earn lower rates than the city’s overall average by deciding how much coverage you need and comparing quotes from multiple insurers at once. Here’s what you need to know about finding cheap coverage in Tempe.

Cheapest car insurance companies in Tempe

Every driver in Tempe has a unique set of factors that affect car insurance premiums. Comparing quotes across multiple auto insurance companies will help you find the best rates for your coverage needs.

Because every insurance company has a different method of determining rates, some companies consistently offer cheaper rates than others. Consider the information below about three of the top insurance companies in Tempe to start your search for cheap car insurance.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
Auto-Owners	8.2	$104	$69	Cheap rates
Mile Auto	8.8	$113	$67	Infrequent drivers
State Farm	9.3	$128	$85	Families

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: Auto-Owners

cheap rates

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User Reviews	4.3 148 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$70/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$121/mo

Details

Driver Reviews

4.3

Best choice in Tempe, AZBased on 323 verified driver reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Cheap rates

Senior drivers

Ample discounts

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Cheap rates

Senior drivers

Ample discounts

Showing recent national reviews - See all 148 Auto-Owners reviews

Darryl

Verified Review

Insurance Shopping

Reviewed in Missouri on March 22, 2026

Good, but I've never had a claim with them on this vehicle, and the rate has more than doubled. That's the reason for finding a cheaper policy.

Norberto

Verified Review

Excellent

Reviewed in Florida on March 21, 2026

Definitely not the cheapest insurance you can buy.

Wayne

Verified Review

Cost too much for someone who never had a claim

Reviewed in Florida on March 2, 2026

Never had a claim.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Auto-Owners offers Tempe drivers some of the cheapest average monthly premiums for both liability-only and full-coverage policies. As a major insurance company, it also provides home insurance, renters insurance, and life insurance policies. However, the company earned a below-average customer satisfaction rating for the Southwest region in the J.D. Power 2023 U.S. Auto Insurance Study.

Pros

• Many available discounts

• Affordable rates

Cons

• Must work with an agent to finalize the car insurance policy

• Below-average J.D. Power customer satisfaction rating in the Southwest region

Best insurer for infrequent drivers: Mile Auto

infrequent drivers

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User Reviews	4.5 66 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.8 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$76/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$133/mo

Details

Driver Reviews

4.5

Best choice in Tempe, AZBased on 193 verified driver reviews and ratings

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Low-mileage drivers

Senior drivers

Cheap full coverage

How drivers feel about Mile Auto

Drivers appreciate the quality service but find the rates high and claim processing slow.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Low-mileage drivers

Senior drivers

Cheap full coverage

Showing recent national reviews - See all 66 Mile Auto reviews

Olanrewaju

Verified Purchase

Reasonable coverage.

Reviewed in Georgia on March 17, 2026

So far, it has been very good.

Leroy

Verified Review

Why was I canceled?

Reviewed in Texas on February 9, 2026

1/14/26: Liked what I saw and purchased Auto Insurance. 1/29/26: Received an email requesting a "Physician's opinion statement." I did not see this requirement in the many pages of fine print. Was given 30 days to submit. 1/31/26: Via email, I requested information on how to cancel my policy and stated that I do not release medical data to anyone. I did not request the policy be canceled. 2/01/26: Relented. 2/03/26: Hand-delivered request to primary care doctor and made an appointment for an Ophthalmologist for 02/10/26. 2/07/26: Received a USPS letter from MileAuto stating the policy would be canceled effective 3/01/26. The reason given was that "Policy no longer meets underwriting requirements." I have no idea what requirements this refers to.

Ronald

Verified Purchase

Monthly Insurance for the Price of Takeout

Reviewed in Ohio on January 11, 2026

I don't drive much, so it makes sense to me. I feel like I would like to have more coverage than just liability. I know they offer more coverage.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.18

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

If you aren’t a frequent driver, Mile Auto might be a good option for you. The company offers pay-per-mile insurance policies, which include a base rate. You’ll need to send in a picture of your odometer once a month. On average, drivers can find relatively cheap rates through Mile Auto.

But if you drive more than 10,000 miles per year, this type of policy might not be the most cost-effective solution for you. One downside is that you can only purchase a full-coverage policy from Mile Auto.

Pros

• Relatively cheap option for infrequent drivers

• No device to track mileage required

Cons

• No other insurance products

• Limited auto coverage options

Best insurer for families: State Farm

families

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User Reviews	4.0 7,303 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$87/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$148/mo

Details

Driver Reviews

4.0

Best choice in Tempe, AZBased on 16,576 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Tempe for

Customer service

Competitive rates

Discounts for safe drivers

Showing 59 Arizona reviews for Tempe drivers - See all 7,303 State Farm reviews

Nancy

Verified Review

Cheap if they big brother you.

Reviewed in Arizona on March 26, 2026

Bait and switch. Then above average pricing.

Brenda

Verified Review

Expensive

Reviewed in Arizona on March 17, 2026

I find it expensive for someone on social security! No marks on my record and still no discounts!

Melanie

Verified Review

Be very cautious of the terms

Reviewed in Arizona on March 17, 2026

With 2 autos covered, if you cancel one for 1 day and then reinstate it, you are penalized for the remainder of the term.

Nancy

Verified Review

Excellent

Reviewed in Arizona on March 14, 2026

Great company but higher prices.

Kimberli

Verified Review

Expensive and Inexperienced

Reviewed in Arizona on March 9, 2026

My insurance rates increased even though I had no accidents. When I called customer service at the office I'm insured with, they seemed inexperienced and unhelpful.

Ernie

Verified Review

State Farm is Great

Reviewed in Arizona on March 9, 2026

Overall, I was trying to get quotes from several insurance companies. I had a third-party agent who contacted several insurance companies, but she wasn't able to find me a quote for less than $150 a month, which would be my monthly payment. That's crazy for an old car like my 1999 Honda Accord EX, and at the time, my car wasn't insured. So, I started my own search. I found State Farm, and let's just say I was able to get insured for less than $100. I paid that for 5 months. Before my birthday on February 1st, I called and spoke to an agent, and she was able to reduce my monthly payment to $47 and change.

Don

Verified Review

Liberty Woes

Reviewed in Arizona on February 24, 2026

I feel like I'm being punished for a car accident where I was hit from behind, which totaled my 2012 Jeep Liberty Limited and pushed me into the car in front of me. The other driver also had State Farm. I received $7,100 to get another 2012 Liberty Sport. Now, my monthly insurance with State Farm is $146, up from $80. Other companies, like Progressive, see the totaled Jeep and won't insure my current Jeep (same year, too confusing for them?).

Pat

Verified Review

Change of Agent

Reviewed in Arizona on February 24, 2026

I am sorry that the previous agent retired, but my new agent seems equally helpful.

Gabriel

Verified Review

Good Guy

Reviewed in Arizona on February 13, 2026

It was good. I forgot the name of the guy, but he really helped me. He was at one on Cardinal and Valencia. Yeah, he was very helpful and went out of his way for me. Thank you so much.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is a well-known insurance company that earned the top spot for customer satisfaction for the Southwest region in the J.D. Power 2023 U.S. Auto Insurance Study. The company also offers relatively affordable average rates for liability-only and full-coverage policies.

Families can appreciate that this company offers a long list of discounts to help lower insurance costs. Some helpful discounts reward drivers for bundling multiple policies, insuring multiple vehicles, and driving safely.

Pros

• Above-average J.D. Power customer satisfaction rating in the Southwest region

• Rideshare coverage available

Cons

• Doesn’t offer gap insurance

• Some negative customer reviews online

How to get the cheapest car insurance in Tempe

Insurers look at multiple factors when determining your car insurance premiums, including your driving record, age, location, marital status, and credit history.

You can use the strategies below to find the best rates for your insurance needs:

• Shop around. Every insurer has a slightly different approach to determining premiums. Getting quotes from multiple insurance companies is the best way to discover the lowest rates for your situation.

• Ask for discounts. Many insurance companies offer a suite of discount opportunities. Don’t hesitate to ask if you qualify for any of them.

• Increase your deductible. A higher deductible usually comes with a lower premium. If you have the money to cover a higher deductible, consider making this switch.

Find Cheap Car Insurance in Tempe, Arizona

Liability rates start at $69 per month

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Cheapest liability-only car insurance in Tempe: Just Pay-Per-Mile

Liability-only car insurance is usually the most affordable coverage option. This type of policy includes bodily injury and property damage liability coverage. If you cause an accident, a liability policy can help you pay for the damages or injuries you cause to others. This might include the other party’s vehicle repairs or medical bills.^[1]

Just Pay-Per-Mile offers the cheapest liability-only policies to Tempe drivers, with rates of $69 per month. The table below includes average quotes from other insurance companies.

The below rates in Tempe, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Just Pay-Per-Mile	$69
Auto-Owners	$70
Mile Auto	$76
Progressive	$84
State Farm	$87
Certainly	$88
Sun Coast	$92
Aspire General	$93
Novo Flex	$96
USAA	$97
Mercury	$98
Novo Next	$104
The General	$105
Dairyland	$109
Novo	$109
Just Unlimited	$114
Hiroad	$115
GEICO	$118
Bristol West	$119
Safeco	$119
National General	$121
Direct Auto	$126
Trexis	$134
Commonwealth Casualty	$137
AssuranceAmerica	$138
Root	$138
Clearcover	$141
GAINSCO	$141
Allstate	$144
Travelers	$150
Covercube	$153
COUNTRY Financial	$169
American Family	$170
The Hartford	$174
Farmers	$175
Liberty Mutual	$193
Nationwide	$196

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Tempe: Auto-Owners

Full-coverage car insurance policies offer more financial protection than liability-only policies. In addition to liability coverage, a full-coverage policy includes comprehensive and collision coverages. If you have an incident, a full-coverage policy can help you pay to repair or replace your own vehicle.

Auto lenders typically require drivers to purchase this coverage. But even if you don’t need to carry this coverage, it’s a good idea to buy it if you’d struggle to pay for repairs on your own after a car accident.

Full-coverage car insurance in Tempe costs an average of $178 per month.

In the table below, you can find the cheapest average quotes for full-coverage insurance policies in Tempe.

The below rates in Tempe, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
Auto-Owners	$121
Just Pay-Per-Mile	$131
Mile Auto	$133
Novo Flex	$134
Novo Next	$144
State Farm	$148
Sun Coast	$155
Progressive	$165
USAA	$166
Novo	$169
Safeco	$169
Mercury	$172
Aspire General	$186
GEICO	$191
Hiroad	$210
Root	$215
Bristol West	$224
Just Unlimited	$224
National General	$234
Clearcover	$236
Direct Auto	$237
Certainly	$242
Allstate	$247
Liberty Mutual	$250
Travelers	$256
The General	$260
AssuranceAmerica	$270
Dairyland	$276
Trexis	$276
Commonwealth Casualty	$288
COUNTRY Financial	$289
American Family	$290
The Hartford	$298
Farmers	$300
Covercube	$310
GAINSCO	$318
Nationwide	$336

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Arizona

The state of Arizona requires drivers to have proof of financial responsibility to operate a vehicle on public roads. You prove this responsibility by purchasing the state’s minimum required insurance, which must meet the following requirements for bodily injury and property damage liability coverage:^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$15,000 per accident

It’s a good idea to consider purchasing coverage beyond the state’s minimum requirements to provide more vehicle protection. Here are two of the most common optional coverages to consider:

• 

  Collision coverage

  Collision coverage can help you pay for repairs to your own vehicle after a crash with another vehicle or object, even if you caused it.

• 

  Comprehensive coverage

  A comprehensive policy kicks in to cover vehicle repairs or replacement following a non-collision incident that causes damage, like vandalism or a storm.

Cheapest car insurance for drivers with an incident

Even the best driver can make mistakes on the road. But having a violation on your driving record can affect your car insurance premiums. Common incidents — like speeding tickets, driving under the influence, and at-fault accidents — often lead to higher car insurance premiums.

In 2022, 660 traffic fatalities occurred in Maricopa County, which includes Tempe.^[3] Compared to the rest of the state, Maricopa County has a relatively high traffic fatality rate.

Below, you can find the cheapest average liability quotes for Tempe drivers by driving record.

The below rates in Tempe, AZ, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
Just Pay-Per-Mile	$69	$87	$93	$97
Auto-Owners	$70	$92	$94	$101
Mile Auto	$76	$94	$104	$110
Progressive	$84	$106	$114	$118
State Farm	$87	$111	$116	$126
Certainly	$88	$111	$119	$123
Sun Coast	$92	$116	$124	$129
Aspire General	$93	$118	$126	$130
Novo Flex	$96	$122	$130	$135
USAA	$97	$126	$131	$140
Mercury	$98	$137	$149	$147
Novo Next	$104	$132	$141	$146
The General	$105	$141	$146	$152
Dairyland	$109	$137	$146	$157
Novo	$109	$138	$147	$153
Just Unlimited	$114	$144	$154	$160
Hiroad	$115	$146	$155	$161
GEICO	$118	$155	$155	$168
Bristol West	$119	$151	$158	$172
Safeco	$119	$157	$168	$183
National General	$121	$151	$162	$175
Direct Auto	$126	$158	$174	$182
Trexis	$134	$170	$181	$188
Commonwealth Casualty	$137	$162	$182	$198
AssuranceAmerica	$138	$176	$185	$199
Root	$138	$185	$186	$200
Clearcover	$141	$183	$208	$204
GAINSCO	$141	$169	$182	$204
Allstate	$144	$189	$195	$208
Travelers	$150	$196	$204	$217
Covercube	$153	$194	$207	$215
COUNTRY Financial	$169	$233	$235	$235
American Family	$170	$222	$230	$246
The Hartford	$174	$242	$243	$261
Farmers	$175	$225	$236	$253
Liberty Mutual	$193	$247	$259	$279
Nationwide	$196	$256	$266	$283

Disclaimer: Table data sourced from real-time Tempe car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tempe may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Insurance companies consider driver age when determining premiums. Due to a lack of driving experience, teen drivers pay the highest car insurance premiums. In general, the trend of relatively high rates continues for young adults until around age 35. Most drivers earn lower rates until the age of 70, when senior drivers start to see increased rates.^[4]

The following table illustrates how average car insurance costs change by age.

Age	Average Monthly Quote
Teens	$400
20s	$262
30s	$192
40s	$169
50s	$146
60s	$132
70s	$140

Disclaimer: Table data is based on real-time Tempe quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Tempe car insurance quotes by credit tier

Arizona is one of many states that allow insurance companies to consider your credit history when determining premiums. In general, this means that drivers with excellent or good credit pay the lowest rates for car insurance. In contrast, drivers with poor credit tend to pay more.^[5]

The table below shows average full-coverage car insurance quotes by credit tier in Tempe.

Tempe car insurance FAQs