Best Auto Insurance Rates in Tempe, Arizona

On average your neighbors pay $70 a month.

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Friday, November 9 2018 By Shantae Young

Tempe, Arizona is home to Arizona State University, the largest public university in the U.S. Covering 650 acres of Tempe, ASU students actually make up much of the city’s population. According to College Parents of America, 70 percent of college students own cars. With this many college students driving in one place, appropriate and affordable insurance is very important.

Average Tempe Car Insurance Rates

How much is car insurance in Tempe, AZ? Average car insurance rates in Tempe are slightly lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Tempe, Arizona and save up to 40% on your premium.

Last year, 3,577 people used QuoteWizard to compare auto insurance quotes in Tempe, AZ from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Tempe, AZ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Tempe, Arizona last year.

  1. State Farm
  2. GEICO
  3. Progressive
  4. Allstate
  5. Farmers
  6. Liberty Mutual
  7. Esurance
  8. American Family
  9. USAA
  10. Nationwide
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Top 10 Vehicles in Tempe

These are the most common car makes and models owned by Tempe, AZ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Honda Civic/EX/LX
  4. Ford Mustang
  5. Toyota Prius
  6. Hyundai Sonata GLS
  7. Toyota Tacoma
  8. Ford Focus SE
  9. Toyota Corolla/S/LE
  10. Chevrolet Cavalier
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Minimum Car Insurance Requirements in Tempe, AZ

Tempe, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Tempe Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Tempe, AZ ranks 67th out of the 200 cities in the report. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.2 years, slightly more often than the national average.

Tempe drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Major factors that can influence insurance rates are weather, driving, and road conditions.

Weather

The weather in Tempe is hot and dry, like the rest of Arizona. The summers here are long and hot, experiencing 300 sunny days and highs of 100 degrees. The winters are short and seldom very cold. On average, Tempe sees only 36 days with any measurable precipitation. An average of only 8.7 inches of rain falls in Tempe annually. However, monsoon moisture can result in sudden downpours that can cause flash flooding and this can cause slick roads or the flooding can be so bad many cars are washed away.

Road Conditions

According to a recent study by TRIP, 16% of the major streets in Arizona are in poor condition.  Costing residents $1.5 billion a year in vehicle operating costs and repairs, which averages out to $318 per motorist.

Traffic Congestion

Maricopa County, where Tempe is located along with Phoenix, has an average commute time of 26 minutes and during rush hour commute time is close to 31 minutes. Compared to most major cities this isn’t that bad as traffic congestion goes.

However, Phoenix, according to TomTom's annual traffic index report, ranks 46th for worst traffic congestion in the United States. Tempe's proximity to Phoenix means residents share some of the same congestion.

Moving Violations

Moving violations like speeding tickets, accidents, running a red light, and drunk driving give drivers bad driving records. The worst drivers with the most tickets are often "non-preferred" drivers. You do not want this to happen to you. The reason is that drivers in this category often need to buy high-risk insurance, which can be very pricey.

Traffic Tickets

The City of Tempe Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, and provides helpful traffic court information.

DUI Arrests

In 2014, Tempe Police Department was a part of the East Valley DUI task force. Of the total 5,240 citations written by participating police departments, Tempe police made 214 DUI contacts, issued 187 DUI citations and processed 21 DUIs.

Car Accident Statistics

Tempe police reported 8,687 motor vehicle crashes in 2016, resulting in 2,500 injuries. This is an increase from the 8,353 crashes reported in 2015.

Traffic Fatalities

Tempe reported 22 fatal crashes in 2016. This was a huge increase from the 16 traffic fatalities reported in 2015While all traffic deaths are tragedies, with Tempe's estimated population of 182,498, this is a relatively safe US city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

Tempe reported 250 alcohol related crashes in 2016. These accidents caused 125 injuries and ten fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Tempe DUI insurance.

Vehicle Theft Rates

Tempe reported 380 vehicle thefts in 2016. This is a rate of 2.16 thefts per 1,000 residents. This is a little better than the US average of 2.20 vehicles stolen per 1,000 people.

Car Insurance Discounts in Tempe

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Tempe, AZ depending on your insurer. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  2. Maintain at least a B grade point average in school to qualify for the good student discount
  3. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  4. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  5. Bundle your auto policy. Bundling your auto insurance with your homeowners policy can save you up to 20%
  6. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the accident free discount.

Sources:

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