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Seeking cheap auto insurance in Tempe, AZ? AutoInsuranceEZ.com can help you find what you need. Just input your local zip code in the quote box below – it’s that easy!

Tempe sits in the heart of one of the largest metropolitan areas in Arizona, with several major cities located on each of its boarders. Back in the late 19th century, as the railroad developed westward, the Tempe stop became an important location for the distribution of goods to the surrounding region. Tempe is also the home of US Airways and the very first Cold Stone Creamery.

  • Fun fact: Did you learn any other languages in school? If you work in Tempe, the answer is probably “yes”, because this city is #58 (85281) on the list of “Top 101 zip codes with the most Internet business establishments in 2005”. Intrigued by finding out more about Tempe? See more information on auto insurance Arizona below.

Auto Insurance Coverage Requirements in Arizona

Driving legally in Tempe requires:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 25,000
Uninsured Motorist Bodily Injury Not required 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

Many states, and Arizona is one of them, require that each driver must carry Liability to be able to drive legally. But Liability only isn’t for each driver. To have an accident that isn’t your fault, or perhaps an accident that needs medical assistance, you’ll have to pay individuals costs 100% up front.

Your typical Arizona driver is most likely coping with a minimum of $102 price of insurance repayments every month. However, savvy Arizonans can help to save big minimizing their rate to $45/mo* when they act fast! You may also find out more about affordable car insurance here.

Average Monthly Auto Insurance Premiums Legend: Basic Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 $37 $33 $32 $60 $62

 

At this time, Tempe motorists can change to Liberty Mutual or State Farm when they want the cheapest rate within their city. But reduced rates aren’t everything. Sometimes, you will get reliable service from an insurer for any bargain cost – and often, you may want to pay some extra.

Those that underwrite motor vehicle insurance coverage contemplate various elements while determining insurance rates, particularly driving experience, zip code, type of vehicle owned, miles driven each year, and the extent of your current insurance coverage. Also take into account that premiums differ from one company to another. To find out if you are still receiving the best rate, look at cheap Tempe automobile insurance premiums over the internet.

Major Car Insurance Factors in Tempe

Once your motor vehicle insurance agency gets ready to write your policy, they take lots of issues into consideration. Many of these, like your age or your precise location, are impossible to vary. Some alternative variables are:

  • Your Zip Code

Insurance agencies want to know where you live (or the places you will be driving a car usually) to be able to calculate the prospect of any sort of accident. All of it comes down to a simple concept: the larger the populace, the greater number of vehicles you’ll encounter on the road, and therefore the more opportunities you can have to hit or perhaps be crashed into by an additional car or truck. The population of Tempe is in fact 168,228 and also the usual family earnings are $48,565.

Auto Insurance by Zip Code Legend: Chandler Phoenix Tucson Mesa Tempe Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 $31 $36 $30 $28 $37 $36 $47 $38 $39 $33 $41 $71 $39 $52 $32 $46 $56 $43 $48 $60 $48 $63 $59 $48 $62

 

  • Automotive Accidents

For having fewer than 175,000 residents, Tempe actually has fatal accident statistics which are more similar to a city two or three times as large. And when the roads in your town aren’t very safe to drive on, insurance providers have a bad habit of raising rates – unless you ask them about safe driver discounts, that is.

Fatal Accidents in Tempe, AZ Legend: Tempe Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 50 55 60 65 70 75 20 45 3 23 78 3

 

  • Auto Thefts in Tempe

Obtaining inexpensive automobile insurance can be difficult should you be vulnerable to auto theft. Certain trendy car or truck models tend to be alluring to thieves, as well as automobiles that are left often in large cities. The full amount of stolen vehicles in 2010 dropped to 644 within the city of Tempe. This is a significant reduction from previous years. However, you shouldn’t take the dip in crime for granted and use it as an excuse to lower or eliminate your Comprehensive coverage.

Basic vs. Comprehensive Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 $37 $79 $33 $79 $32 $63 $60 $119 $62 $69

 

  • Your Credit Score

Like other areas of existence, your credit rating will be a determining factor in getting a great deal for your automotive insurance costs. Some insurance providers will severely increase your rates if you have poor credit, while others give motorists with a bad credit score a rest on certain prices according to your score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 $36 $97 $27 $63 $50 $73 $58 $91 $47 $77

 

  • Your Age

It’s fairly well-known the more youthful happen to be, the greater you’ll have to invest in your insurance costs. Presently, State Farm is providing up the best offer for youthful motorists in Tempe, while Safe Auto and Farmers are the least amenable to teenagers.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 50 100 150 200 250 300 350 400 450 500 $37 $536 $33 $135 $32 $191 $60 $256 $62

 

  • Your Driving Record

With respect to the harshness of your recent driving violations, you might have merely a modest rate hike, or else you may lose coverage completely. However if you simply look around, you might find a service provider willing to reduce your rates because of an “accident forgiveness” discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 $37 $55 $65 $66 $33 $37 $37 $40 $32 $37 $86 $78 $60 $77 $131 $98 $62 $64 $66 $92

 

  • Your Vehicle

Older cars, used cars for sale, and automobiles having a lower retail price won’t necessitate purchasing robust coverages in high amounts, which describes why their insurance coverage is a lot cheaper. Luxury automobiles, however, require a lot more coverage – as well as in greater amounts, too.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 $37 $86 $33 $106 $32 $81 $60 $127 $62 $92

 

Minor Car Insurance Factors in Tempe

Don’t forget about these lesser factors either:

  • Your Marital Status

Bundling auto guidelines between you and your partner can drop your payments with a couple of percentage points. And you may save much more by bundling other guidelines, for example homeowner’s insurance.

  • Your Gender

It’s very difficult to say, with any kind of precision, whether women or men pays more for insurance, other factors being equal. A lot of companies don’t charge different rates according to gender whatsoever nowadays.

  • Your Driving Distance to Work

For most motorists, their commute to work can take anywhere from 30-35 minutes on average. Nearly three quarters of all Tempe residents choose to drive their own car to work, whereas almost 15% carpool with co-workers.

Nowadays, insurance providers are prepared to ask you for less for driving less miles every year, or only driving during off-peak traffic hrs. But even when you significantly slash your mileage or completely improve your schedule, you’ll most likely save a maximum of about 3-4%.

  • Your Coverage and Deductibles

There’s an inverse relationship involving the deductible as well as your monthly premium: the low your deductible, the greater your repayments, and the other way around. Raising your deductible will, therefore, decrease your monthly rates – but if you need to file claims, having to pay that elevated deductible could place you in an economic hard place.

  • Education in Tempe, AZ

The more education you have, the lower your car insurance rate will be. In Tempe, the average driver has either a high school diploma or at least a year of college experience.

Given its proximity to Phoenix, many residents may choose to travel a little bit in order to get a higher education. For those who wish to earn a degree locally, however, the Tempe Community College has campuses both in Tempe proper and a Tempe Community College North located in Phoenix.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Arizona Department of Insurance

Arizona Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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