Tempe, AZ Auto Insurance | Cheap Car Insurance in Tempe, AZ
Looking for cheap auto insurance in Tempe, AZ? Average Tempe, AZ auto insurance rates are $350/mo or $4,203 annually. However, you can lower your insurance in Tempe, AZ by comparing quotes from different auto insurance companies in Arizona and by seeking out discounts. Geico, USAA, and Travelers offer inexpensive auto insurance for Tempe residents. Start searching for affordable Tempe, AZ car insurance now.
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UPDATED: Nov 17, 2020
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- Average Tempe, AZ auto insurance rates are $350 per month or $4,203 annually.
- Women aged sixty receive the lowest average auto insurance quotes in Tempe, AZ.
- Geico, USAA, and Travelers offer the most competitive auto insurance rates in the city of Tempe.
Are you looking for cheap auto insurance in Tempe, AZ? Tempe, AZ auto insurance costs an average of $350 per month or $4,203 annually. The city of Tempe sits in the heart of Arizona, with several major cities located nearby.
With so many drivers on the roads, Tempe insurance can sometimes be higher than average. However, by learning how your premiums are calculated, you’ll be able to find cheap auto insurance quotes in Tempe with ease.
Read through our Tempe, AZ auto insurance guide to better understand how to compare auto insurance quotes from agencies in your city.
Can’t wait to get started? To secure cheap Tempe, AZ car insurance quotes enter your five-digit Tempe ZIP code into our FREE quote comparison tool above and start shopping immediately.
Auto Insurance Coverage Requirements in Arizona
Virtually every state has some form of liability insurance requirement or law, and Arizona is no exception. To learn what insurance you must carry in order to drive legally in Tempe, AZ, take a look at the table below.
|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|
While Arizona only requires you to carry liability insurance, it might be worth your while to purchase more than your state’s minimum policy requirements. Liability insurance will only help cover damages from an accident that you cause.
If you are hit by another driver, or if your vehicle is stolen or damaged from severe weather, a liability only policy cannot help you. In those scenarios, you’ll need to purchase collision and comprehensive coverage to be protected.
Similarly, if you finance or lease your vehicle you may need to purchase GAP coverage. GAP insurance helps you pay off the remainder of your car loan if your leased or financed vehicle is totaled and you still owe more on the loan than the vehicle’s actual cash value.
Check out some monthly average rates from some auto insurance companies in Arizona in the graph below.
If you live in Tempe, both Liberty Mutual and State Farm offer some pretty affordable, competitive rates. But remember that a cheap policy is not always the best policy. Seek out consumer reviews for the companies you are most interested in. An insurance company that takes forever to close out claims and that treats customers poorly is not worth your time or money. .
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Auto Insurance Rates in Tempe, AZ
What is the average cost of auto insurance in Arizona? Auto insurance in Tempe usually costs around $350 per month or $4,203 annually. However, insurance companies look into many demographics when calculating your auto insurance rates.
Your age, ZIP code, driving record, and even credit history can impact your annual premiums. While some of these factors are beyond your control, there are a few that you can control. Taking the time to prove to insurance companies that you are a low-risk, safe driver will always lead to cheaper rates.
Who has the cheapest auto insurance in AZ? Find out by looking in the table below.
|Group||Married 60-Year-Old-Female||Married 60-Year-Old-Male||Married 35-Year-Old-Female||Married 35-Year-Old-Male||Single 25-Year-Old-Female||Single 25-Year-Old-Male||Single 17-Year-Old-Female||Single 17-Year-Old-Male|
Women around the age of 60 receive the cheapest average auto insurance rates in your city. But as you can see from the data, the company you choose matters. This is because every company uses a different equation to determine your quotes.
Because of all of these variables, we recommend comparing rates from as many different companies as you can. The easiest and fastest way to do this is by comparing the cheapest auto insurance quotes online using a free quote tool.
Keep reading to learn what major factors will impact your individual auto insurance quotes the most, and why it can cause your premiums to increase or decrease.
What ZIP codes have the cheapest auto insurance rates in Tempe, AZ?
Insurance agencies want to know where you live and where you’ll be driving your vehicle the most. Cities that have a high population density usually also have more vehicles on the road. More vehicles driving bumper to bumper usually also means a higher chance of getting into an accident.
Oppositely, if you live in a rural area, or in a neighborhood with fewer people, you’re less likely to be involved in an automobile accident.
According to City-Data, the population of Tempe, AZ in 2017 was 185,038, with a density of 4,619 people per square mile. There are five different ZIP codes throughout the city.
Find your ZIP code in the table below to see if your neighborhood pays more or less annually for auto insurance compared to your neighbors.
|ZIP Code||Average Annual Auto Insurance Rates|
As you can see, where you park your car at night makes a difference. Tempe residents with a 85287 ZIP code pay $20 less per month for insurance than their neighbors with a 85283 ZIP code.
But how do average rates in Tempe compare to other major Arizona cities? Find out in the graph below.
Tempe is not the cheapest city in Arizona in terms of auto insurance rates, but it is not the most expensive, either. Rates in Phoenix are much higher on average compared to auto insurance in Tempe, AZ.
Automotive Accidents in Tempe, AZ
Even though Tempe’s population is under 200,000 people, the city itself actually has fatal accident statistics which are more similar to a city two to three times as large.
Unfortunately, when the roads in your town aren’t very safe to drive on, insurance companies will charge higher rates as a way to mitigate the costs from all of the extra claims that get filed.
Take a closer look at the fatal accident statistics in Tempe in the graph below.
If you live in Tempe, Arizona and have a perfect driving record, be sure to seek out safe driver discounts to help lower your rates.
Auto Thefts in Tempe, AZ
Obtaining cheap auto insurance can be difficult if you live in a city with higher than average crime rates, especially when it comes to vehicle theft. If you drive a trendy car or truck model that happens to be a popular target for thieves, expect your rates to be even higher.
Fortunately, the amount of stolen vehicles in Tempe started to drop dramatically in 2010. This was a significant reduction from previous years. The rates have stayed the same ever since. See more details about Tempe vehicle theft in the graph below.
Remember, a liability only auto insurance policy will not protect your assets from vehicle theft. In order to rely on your auto insurance to help replace a stolen vehicle, you’ll have to invest in comprehensive coverage.
Best Auto Insurance for Credit History Rates in Tempe, AZ
Did you know your credit score can impact your auto insurance rates? Some insurance providers will severely increase your rates if you have poor credit. See what we mean in the graph below.
Fortunately, bad credit does not have to last forever. By making your auto insurance payments on time every month, you can improve your credit score.
Do gender and age affect my auto insurance rates in Tempe, AZ?
It is commonly known that the younger you are as a driver, the higher your auto insurance rates will be. Auto insurance rates for teenagers are higher that average because young drivers lack experience and are statistically more likely to cause car accidents.
See how much more a seventeen year old driver pays for auto insurance per month in Tempe, AZ versus an older driver in the graph below.
If you’re a teen driver in Tempe, consider looking into State Farm or Liberty Mutual for cheaper auto insurance. Safe driver discounts and good student discounts can also help lower your rates.
Gender does not impact your insurance rates quite as much as age does, even though men made up 71 percent of motor vehicle accident deaths in 2018 according to the Insurance Institute for Highway Safety.
Usually, men only pay around 2 to 3 percent more on average than women in Tempe, AZ.
Best Auto Insurance for Driving Record Rates in Tempe, AZ
Insurance companies will look at your driving record when determining your auto insurance quotes. If you have a perfect driving record, you’ll receive the lowest rates. See how different traffic violations will impact your monthly Tempe, AZ auto insurance rates in the graph below.
Even a Tempe speeding ticket can cause a modest rate spike. If you commit too many traffic violations, companies may refuse to insure you altogether.
However if you only have one or two minor incidents on your record, ask insurance providers about accident forgiveness programs to see if they will cut you a lucky break.
Does your car model impact auto insurance in Tempe, AZ?
The model of car you drive will affect your annual auto insurance premiums. Older cars, used cars, and economy automobiles with a lower retail price will cost less to insure than luxury vehicles. See what we mean in the graph below.
Fancy cars are more expensive to fix or replace in the event an insurance claim is filed. Another reason why luxury vehicles cost more to insure is because owners of these types of cars usually take out fuller-coverage policies in order to better protect their assets.
Minor Factors for Tempe, AZ Auto Insurance Rates
You’ve learned about the major factors that can impact your auto insurance rates in Tempe, Arizona. Now let’s explore some of the minor demographics that insurance companies consider when calculating your premiums.
Remember, most of these will cause very minor increases or decreases in your overall rates.
Marital Status and Auto Insurance in Tempe, AZ
If you are married, you have the option of bundling your auto insurance policy with your spouse. More vehicles on a policy often lead to better rates.
It might also be easier for you to bundle your home and auto policies, which can lead to greater savings as well.
Best Auto Insurance for Commute Rates in Tempe, AZ
Insurance companies sometimes will charge lower rates for folks who drive very few miles annually. If you have a longer than average commute, that could mean higher premiums.
Most motorists in Tempe have a 20 minute commute to work. Nearly 80 percent of people in your city either drive alone to work or carpool.
But even when you significantly slash your mileage or completely improve your driving schedule, you’ll most likely only save around 3 to 4 percent on your insurance rates.
Auto Insurance Coverage Levels and Deductibles in Tempe, AZ
The lower your auto insurance deductible is, the greater your monthly payments tend to be. Similarly, the higher your deductible, the lower your monthly rates are.
Therefore, raising your deductible will help decrease your monthly rates. For some people, this is a good way to purchase higher coverage on a budget. However, remember that if you need to file any insurance claims, you will be responsible for paying for that deductible out of pocket.
Education Level and Auto Insurance in Tempe, AZ
In some cases, insurance companies will provide you with cheaper rates if you have a higher education level. In Tempe, the average driver has either a high school diploma or at least a year of college experience.
Given its proximity to Phoenix, the city does have a lot of college students who commute to various universities nearby. For those interested in earning a degree locally, Tempe Community College has campuses both in Tempe proper as well as in Phoenix.
How We Conducted Our Auto Insurance Analysis
We calculated our average rates based on a married, home-owning 34-year-old male with good credit, a 12-month history of maintaining auto insurance, and a clean driving record. The 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.
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