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Tempe Car Insurance

How much does car insurance cost in Tempe, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Tempe?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Tempe typically pay around $107.07 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Arizona $99.72
Tempe, Arizona $107.07

Tempe, AZ Best Car Insurance Companies

car insurance in Tempe

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Tempe coming in around $84.61 per month. Other companies to consider if you live in Tempe is Ameriprise Group with an average cost of $103.43 per month and SAFECO which typically runs around $104.66 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Tempe.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $84.61-15.16%
2 Ameriprise Group $103.433.72%
3 SAFECO $104.664.95%
4 USAA $108.378.67%
5 Mercury Insurance $117.7518.08%
6 Farm Bureau Mutual (IA Group) $122.2322.57%
7 CSAA $123.5323.87%
8 State Farm $132.7233.09%
9 Travelers $145.7146.12%
10 ACCC Insurance Company $147.3747.78%

How Much is Car Insurance in Tempe, AZ?

how much is auto insurance in Tempe

Rates can vary from city to city. The residents of Glendale typically pay $115.52 per month while people who live in Mesa will pay $100.47 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Glendale $115.52
Mesa $100.47
Phoenix $110.85
Scottsdale $96.41
Tempe $106.00
Tucson $88.84

Cheap Car Insurance in Tempe by Zip Codes

find cheap auto insurance in Tempe

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Tempe, AZ ZIP CodeAverage Monthly Rate
85281$111.03
85282$105.58
85283$103.72
85284$81.59
85285$92.43
85287$20.07

Car Insurance Rates by Driver's Age Group in Tempe

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $244.83 per month in Tempe. Compare that to drivers in their 30’s who typically pay around $89.14 per month drivers in their 40s at $82.05 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$244.83
20s$126.94
30s$89.14
40s$82.05
50s$69.09
60s$69.39
70+$78.58

Cheapest Insurance for Teenage Drivers in Tempe

If you are teen in Tempe you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, CSAA typically charges around $188.17 per month. This is likely the most affordable option in Tempe. You might also want to consider Ameriprise Group and SAFECO who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
CSAA$188.17
Ameriprise Group$203.00
SAFECO$215.67
Farm Bureau Mutual (IA Group)$235.80
USAA$265.02

Cheapest Insurance for 20 Year-olds in Tempe

20 year-olds in Tempe might want to consider Clearcover who, on average, offers car insurance rates around $103.21 per month. Ameriprise Group , SAFECO , USAA and CSAA are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$103.21
Ameriprise Group$123.03
SAFECO$128.42
USAA$134.33
CSAA$138.72

Cheapest Insurance for 30 Year-olds in Tempe

If you are in your 30s in Tempe our research has found that Kemper Premium typically has the most affordable coverage coming in around $67.17 per month, followed by Ameriprise Group at $74.95 and Clearcover at $81.27.

CompanyAverage Monthly Rate
Kemper Premium$67.17
Ameriprise Group$74.95
Clearcover$81.27
USAA$84.68
SAFECO$94.15

Cheapest Insurance for 40 Year-olds in Tempe

On average, Ameriprise Group offers car insurance for 40 year-olds in Tempe for around $70.33 per month. If you are looking for affordable coverage, you may also want to consider USAA or Clearcover. The full list of top companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$70.33
USAA$71.71
Clearcover$78.23
State Farm$95.25
Farm Bureau Mutual (IA Group)$97.42

Cheapest Insurance for 50 Year-olds in Tempe

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Tempe we found that Clearcover generally offers the most affordable coverage at $62.74 per month.

CompanyAverage Monthly Rate
Clearcover$62.74
USAA$69.33
Ameriprise Group$72.28
Farm Bureau Mutual (IA Group)$79.89
SAFECO$82.92

Cheapest Insurance for 60 Year-olds in Tempe

If you live in Tempe and you’re in your 60s, our data indicates that SAFECO usually has the best rates at $50.00 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SAFECO$50.00
Clearcover$73.37
USAA$79.63
Ameriprise Group$81.84
Farm Bureau Mutual (IA Group)$92.01

Driver's Coverage Auto Insurance Rates in Tempe, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Tempe, the average monthly rate for a driver who is currently insured is $94.68 while drivers who are not currently covered will pay around $123.91.

CoverageAverage Monthly Rate
Not Currently Insured $123.91
Currently Insured $94.68

Compare Recent Car Insurance Quotes in Tempe

auto insurance quotes in Tempe city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Tempe a driver of a 2007 Pontiac G6 can expect to pay around $83.42 per month while someone that owns a 2016 Subaru Forester may pay around $78.62 per month. Check out the list of recent quotes in Tempe below.

VehicleAverage Monthly Rate
2007 Pontiac G6$83.42
2016 Subaru Forester$78.62
2013 Toyota Rav4$38.05
2017 Jeep Patriot$68.04
2017 Jeep Patriot$62.13
2017 Jeep Patriot$98.83
2017 Jeep Patriot$88.15
2004 Dodge Stratus$34.16
2009 Mercedes-Benz Clk$95.41
2021 Dodge Durango$43.23

FAQ's for Drivers in Tempe, AZ

driver’s frequently asked question in Tempe

What Is the Minimum Liability Coverage Requirement in Tempe, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Tempe, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

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Commute Time in Tempe, AZ

20.9 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Tempe, AZ

217

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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