Tempe, AZ
Tempe, AZ car and homeowners insurance
Commute, vehicle, and housing data for Tempe, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Tempe has about 189,834 residents in Maricopa County. 59% of its workers drive to work alone and 42% of households own their home, so most families here need both a car policy and a homeowners policy.
How Tempe gets around
| Measure | Tempe | Arizona |
|---|---|---|
| Drive alone to work | 59% | 67% |
| Carpool | 8% | 10% |
| Work from home | 21% | 18% |
| Commute of 45 minutes or more | 7% | 14% |
| Commute under 15 minutes | 28% | 25% |
| Households with no vehicle | 8% | 5% |
| Households with 3 or more vehicles | 16% | 23% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
About 7% of Tempe commuters travel 45 minutes or more each way (Arizona: 14%). More time on the road means more exposure, which is why insurers ask how far and how often each car is driven.
Remote work is common here: 21% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
16% of Tempe households keep three or more vehicles, and 8% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Tempe
Census figures put Tempe's median home value at $455,400 (Arizona: $394,500) and its median year built at 1984. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Arizona HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $1,271; the all-amounts state average was $1,194.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Tempe
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Tempe household
Most Tempe homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Weather and road risks around Tempe
Plan for flash floods in washes, along with monsoon dust storms and microbursts. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
How Tempe compares in Arizona
Phoenix: 64% drive alone, 13% commute 45+ minutes, median home $420,700. Mesa shows 19% working from home and a median home value of $408,000. In Chandler, 65% own their home and 22% of households have three or more vehicles. For share of 45-minute-plus commutes, Tempe is 21st of 25 Arizona cities on this site.
What to have ready for a Tempe quote
- Annual mileage for each car
- Roof age and material
- Accidents, tickets, and claims from the last five years
- Vehicle year, make, model, and VIN
- Liability limits you want
- Your existing policies and renewal dates
Tempe auto and home insurance FAQ
What are the minimum car insurance limits for Tempe drivers?
Arizona requires liability of 25/50/15; none beyond liability.
Do Tempe drivers have long commutes?
About 7% of Tempe workers commute 45 minutes or more and 28% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Tempe?
There is no single price. As context, Arizona HO-3 policies averaged $1,194 in 2023 (NAIC), and averages rise with dwelling coverage.
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Last updated October 15, 2026 · How we research