Cheapest car insurance companies in Tempe 

Geico and Travelers have the cheapest car insurance premiums for Tempe drivers in 2023, based on a data study by Insurance.com. 

Geico has the cheapest car insurance rates in Tempe at an average cost of $1,353 per year.

The cost of car insurance in Tempe varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Tempe.

CompaniesAverage annual rates
Geico$1,353
Travelers$1,561
USAA$1,657
Auto-Owners$1,741
Progressive$1,920
Nationwide$1,979
Allstate$2,376
State Farm$2,493
Farmers$2,903

Cheapest car insurance cost in Tempe by Age Group 

The cheapest auto insurance company in Tempe for teen drivers is Geico. For full coverage, its average annual rate for Tempe drivers is $3,541. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

For young drivers in Tempe, Geico has the cheapest auto insurance rates, with an average annual cost of $1,874 annually

An analysis of car insurance rates for Tempe drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. Geico offers the cheapest full-coverage car insurance rates at $1,351 per year.

If you are a senior driver in Tempe and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,357 per year

CompanyTeensYoung AdultsAdultsSeniors
Geico$3,541$1,874$1,351$1,357
Auto-Owners$5,023$3,014$1,794$1,876
Travelers$5,211$2,462$1,599$1,650
USAA$7,356$2,886$1,665$1,693
State Farm$7,498$4,232$2,513$2,453
Nationwide$7,611$3,523$1,970$1,872
Allstate$8,105$3,370$2,353$2,663
Progressive$9,477$3,214$1,903$2,000
Farmers$12,960$5,683$2,762$3,063
CSAA Insurance (AAA)$15,284N/AN/AN/A

Cheapest car insurance companies in Tempe by driver profile 

Car insurance rates in Tempe vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Tempe that suits your budget. 

Here are some of the cheapest car insurance companies in Tempe based on driver profile. 

If you're a Tempe driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,620 annually

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores. 

CompanyAverage annual rates
Geico$1,620
Nationwide$1,885
Travelers$2,133
USAA$2,785
Progressive$3,147
Farmers$3,883
Allstate$4,267
State Farm$6,423

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Tempe. It provides full coverage car insurance for drivers aged 30 at about $1,720 per year

Finding the right car insurance company is all about individual needs. Take the time to compare quotes from different carriers and secure the best deal. With careful analysis, you can find an insurance company that provides the best rates and coverage tailored to your specific needs.

CompanyAverage annual premium
State Farm$1,720
USAA$1,836
Geico$1,838
Nationwide$1,908
Travelers$2,046
Progressive$2,488
Farmers$3,261
Allstate$4,020

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Tempe drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,860. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,860
Geico$1,914
Nationwide$2,063
Travelers$2,085
USAA$2,351
Progressive$3,246
Farmers$3,827
Allstate$3,890

State Farm is the cheapest option for Tempe drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,720, on average.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
State Farm$1,720
Geico$2,432
Travelers$2,556
Progressive$2,783
Nationwide$3,080
USAA$3,565
Farmers$3,974
Allstate$5,199

Average car insurance cost in Tempe 

The average car insurance rate in Tempe for full coverage is $2,000 per year or $167 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Tempe is $614 per year. 

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,000$614

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.