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 offers the cheapest car insurance premium for Tempe drivers at an annual rate of $1,353 a year, on average. 

When it comes to car insurance costs in Tempe, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

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
Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Tempe by Age Group 

Geico offers the cheapest full coverage car insurance for teenage drivers in Tempe, with an average annual cost of $3,541 per year. Insurance companies deem teenagers as "high-risk" drivers due to their inexperience and statistically higher accident rates. This elevated risk profile translates to significantly higher car insurance costs for young drivers compared to their older counterparts. 

Teenagers can lower their insurance costs by strategically utilizing the good student discount or remaining listed as a driver on their parent's policy.

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.

Geico is the cheapest option for senior drivers in Tempe, with an average premium of $1,357 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

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
Data refreshed as of May 2024
Read our full methodology

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

Finding the cheapest car insurance in Tempe requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit. 

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

Geico has the cheapest rates for Tempe drivers with poor credit looking for affordable auto insurance. At an annual cost of $1,620, Geico offers substantial savings among the insurers analyzed.

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
Data refreshed as of May 2024
Read our full methodology

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

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for 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
Data refreshed as of May 2024
Read our full methodology

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that State Farm offers the cheapest car insurance rates for Tempe drivers with at-fault accidents. It provides coverage at an average annual cost of $1,860.

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
Data refreshed as of May 2024
Read our full methodology

In Tempe, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,720 a year

Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.

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
Data refreshed as of May 2024
Read our full methodology

Average car insurance cost in Tempe 

In Tempe, the annual cost of car insurance for the coverage level of 100/300/100 is $2,000 or around $167 per month. However, the average yearly rate for state minimum coverage in Tempe is $614.

Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike state minimum, full coverage includes damage to your vehicle in addition to liability coverage.

You can potentially lower your full coverage premium by comparing quotes from different carriers. It allows you to find the best coverage at a competitive price.

Average annual RatesState minimum average
$2,000$614
Data refreshed as of May 2024
Read our full methodology

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.