- Small crossovers like the Nissan Kicks, Subaru Crosstrek, Toyota Corolla Cross, and Chevrolet Trailblazer will have the cheapest auto insurance in Tempe.
- Tempe car insurance rates average $1,866 per year for full coverage, or around $156 on a monthly basis.
- Car insurance rates for a few popular models in Tempe include the Hyundai Elantra at $169 per month, Jeep Grand Cherokee at $156, and Tesla Model 3 at $183.
- Tempe auto insurance averages $102 per year more than the Arizona state average cost and $17 per year less than the United States national average of $1,883.
Which vehicles are cheapest to insure?
The vehicles with the cheapest average auto insurance quotes in Tempe tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Toyota Corolla Cross.
Average car insurance quotes for cars and SUVs that rank in the top 10 cost $1,528 or less per year for a policy with full coverage.
Some additional models that rank well in our car insurance cost comparison are the Buick Encore, Subaru Outback, Nissan Murano, and Honda CR-V. Insurance rates are marginally higher for those models than the crossover SUVs that rank at the top, but they still have an average cost of $133 or less per month.
The following table lists the 30 car, truck, and SUV models with the cheapest auto insurance in Tempe, sorted by average cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,378 | $115 |
| 2 | Chevrolet Trailblazer | $1,402 | $117 |
| 3 | Kia Soul | $1,456 | $121 |
| 4 | Nissan Kicks | $1,472 | $123 |
| 5 | Honda Passport | $1,486 | $124 |
| 6 | Buick Envision | $1,498 | $125 |
| 7 | Toyota Corolla Cross | $1,504 | $125 |
| 8 | Hyundai Venue | $1,516 | $126 |
| 9 | Mazda CX-5 | $1,524 | $127 |
| 10 | Ford Bronco Sport | $1,528 | $127 |
| 11 | Volkswagen Tiguan | $1,544 | $129 |
| 12 | Acura RDX | $1,562 | $130 |
| 13 | Nissan Murano | $1,568 | $131 |
| 14 | Buick Encore | $1,584 | $132 |
| 15 | Honda CR-V | $1,590 | $133 |
| 16 | Subaru Outback | $1,590 | $133 |
| 17 | Buick Envista | $1,596 | $133 |
| 18 | Chevrolet Colorado | $1,598 | $133 |
| 19 | Kia Niro | $1,598 | $133 |
| 20 | Volkswagen Taos | $1,600 | $133 |
| 21 | Toyota GR Corolla | $1,622 | $135 |
| 22 | Subaru Ascent | $1,624 | $135 |
| 23 | Honda HR-V | $1,626 | $136 |
| 24 | Nissan Leaf | $1,636 | $136 |
| 25 | Honda Civic | $1,652 | $138 |
| 26 | Lexus NX 250 | $1,652 | $138 |
| 27 | Volkswagen Atlas | $1,656 | $138 |
| 28 | Acura Integra | $1,660 | $138 |
| 29 | Subaru Forester | $1,664 | $139 |
| 30 | Volkswagen Atlas Cross Sport | $1,664 | $139 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tempe, AZ Zip Codes. Updated February 23, 2024
A few other popular vehicles making the top 30 table above include the Subaru Forester, the Subaru Ascent, the Honda HR-V, the Lexus NX 250, and the Nissan Leaf. Rates for those models cost between $1,598 and $1,664 per year.
In comparison, a few examples of insurance that is considerably higher include the Dodge Durango at an average of $2,288 per year, the Ram Truck that costs $2,156, and the Audi e-tron which costs $2,326.
Tempe car insurance cost
Average auto insurance cost in Tempe is $1,866 per year, which is 0.9% less than the U.S. average rate of $1,883. The average cost of car insurance per month in Tempe is $156 for full coverage.
The average car insurance cost in Arizona is $1,764 per year, so Tempe drivers pay an average of $102 more per year than the Arizona state-wide average rate.
The cost of auto insurance in Tempe compared to other Arizona cities is about $130 per year cheaper than in Glendale, $48 per year more expensive than in Chandler, and $66 per year more expensive than in Tucson.
The next chart summarizes car insurance cost in Tempe for different common policy situations. Rates are averaged for all Tempe Zip Codes and shown for a range of driver ages, policy deductibles, and potential risk scenarios.
Average rates in the previous chart range from $1,552 per year for a middle-aged driver who qualifies for most policy discounts to $4,292 per year for a 20-year-old driver with a lot of violations and accidents. The overall average rate we use to compare different vehicles is the 40-year-old safe driver rate, which is an average cost of $1,866 per year.
As a monthly amount, the average cost to insure a vehicle in Tempe ranges from $129 to $358 for the same driver ages and deductibles shown in the previous chart.
The age of the driver makes a big difference in the price you pay for auto insurance. The list below illustrates these differences by showing average car insurance rates for different driver ages.
Tempe car insurance cost by driver age
- 16 year old – $6,648 per year or $554 per month
- 17 year old – $6,439 per year or $537 per month
- 18 year old – $5,769 per year or $481 per month
- 19 year old – $5,255 per year or $438 per month
- 20 year old – $3,756 per year or $313 per month
- 30 year old – $1,990 per year or $166 per month
- 40 year old – $1,866 per year or $156 per month
- 50 year old – $1,654 per year or $138 per month
- 60 year old – $1,548 per year or $129 per month
The rates in the list above for insuring teen drivers age 16 to 19 were based on a male driver. The next chart shows car insurance cost for teens by gender. Female drivers tend to have slightly cheaper auto insurance rates, especially at younger ages.
Car insurance for a 16-year-old female driver in Tempe costs an average of $438 less per year than the cost for a 16-year-old male driver, while at age 19, females don’t save quite as much at $812 per year.
Cost of car insurance for popular models
Some of the more popular vehicles on the road in Tempe will be compact SUVs like the Honda CR-V or Mazda CX-5. Those models have a great balance of safety and purchase price, so insurance tends to be very affordable.
Other models that tend to sell well in the Tempe area are compact and midsize cars like the Toyota Camry and Kia Forte, and also trucks like the Ford F-150 and Chevy Silverado.
The chart below breaks down average insurance cost in Tempe for some of these models and a lot more.
Popular vehicle models in Tempe tend to be compact and midsize cars like the Nissan Sentra and Honda Accord and compact or midsize SUVs like the Chevy Equinox, Ford Escape, and Jeep Grand Cherokee.
A few additional popular models from different automotive segments include luxury SUVs like the BMW X5, Infiniti QX60, and Acura MDX, luxury cars like the Acura ILX, Infiniti Q50, and Tesla Model S, and pickup trucks like the Toyota Tacoma, Ford Ranger, and Ram 1500.
When popular vehicles are compared to the prior list of the top 30 vehicles with the cheapest car insurance rates, the vast majority have more expensive car insurance rates.
Factors that could end up costing more include buying a pricey vehicle, like a Mercedes-Benz S560 that has an average MSRP of $140,000 or a GMC Yukon with an average MSRP of $59,295, or perhaps the cause is an increased chance of medical or liability insurance claims like a Subaru BRZ, Jeep Cherokee, or Mitsubishi Mirage G4.
How to find cheaper Tempe auto insurance
Tempe drivers should always be looking to save money on car insurance. So read through the money-saving tips in the list below and it’s very likely you can save a few bucks the next time your policy renews.
- Compare insurance rates before buying a car. Different vehicles, and even different trims of the same vehicle, have very different costs for insurance, and auto insurance companies can price policies with very different rates. Get quotes to see the cost of insurance before you buy a different car in order to prevent any surprises when you see your first insurance bill.
- Shop around anytime. Setting aside a few minutes every year or so to get a few free car insurance quotes is our top recommendation for saving money on car insurance. Rates are always changing and you can change companies at any time.
- Your choice of occupation could save you money. Many insurance companies offer discounts for occupations like engineers, doctors, firefighters, college professors, accountants, and others. By earning this discount on your policy you could potentially save between $56 and $182 on your auto insurance bill, depending on the coverage levels.
- Buy vehicles with more affordable insurance rates. The vehicle you drive is a big factor in the cost of car insurance in Tempe. As an example, a Mazda CX-3 costs $1,042 less per year to insure in Tempe than a Chevrolet Camaro. Buy vehicles with less performance to save money.
- Pay small claims out-of-pocket. Insurance companies give a discounted rate if you have no claims. Car insurance should be used to protect you from significant financial loss, not for insignificant claims.
- Credit ratings can impact car insurance rates. Drivers who have credit scores over 800 could save as much as $293 per year when compared to a credit rating of 670-739. Conversely, a credit score below 579 could cost as much as $340 more per year. Not all states use credit score as a rating factor, so check with your agent or company.