Car Insurance in Tempe
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Car Insurance in Tempe, AZ
Tempe is home to Arizona State University and boasts a lively Mill Avenue District. It's a vibrant mix of city life and desert beauty. With all that's going on, reliable car insurance is a must-have. And in Arizona, you must have minimum coverage of $25,000/$50,000/$15,000 for injuries per person, total injuries per accident, and property damage, respectively.
Full coverage in Tempe averages $2,590 a year, while minimum liability coverage costs around $758 per year. Drivers aged 22 to 29 in Arizona pay an average of $5,719 annually for full coverage, while those aged 30 to 59 pay about $2,790 annually. Seniors aged 60+ see a slight decrease, paying around $2,299 annually. Additionally, credit scores can cause premiums to be higher or lower than the average. Excellent credit holders pay around $2,143 annually, while poor credit holders might pay up to $4,505 annually.
How much is car insurance in Tempe, AZ?
The total cost of auto insurance in Tempe can differ significantly depending on the coverage options you select. For a general guide, here are the average prices for the three most favored coverage types in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Tempe?
Assessing and classifying the insurance costs for each car make, model, and year in the city is a considerable challenge. However, if you are interested in newer models that typically have lower insurance premiums, here are the top 10 most affordable car makes and models to consider in Tempe:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Subaru Forester | $167 |
| 2 | Honda Cr-V | $168 |
| 3 | Dodge Grand Caravan | $174 |
| 4 | Toyota Rav4 | $179 |
| 5 | Kia Sedona | $179 |
| 6 | Toyota Corolla | $180 |
| 7 | Honda Odyssey | $184 |
| 8 | Ford Escape | $184 |
| 9 | Kia Sol | $186 |
| 10 | Ford F-150 | $187 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Evaluating and organizing the insurance costs for each car make, model, and year in the city is a demanding task. Nonetheless, if you're in the market for newer vehicles that typically come with lower insurance premiums, here are the top 10 most cost-effective car makes and models to consider in Tempe:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| Not at-fault Accident | $179 | 0% |
| None | $179 | 0% |
| Driving with expired registration | $226 | +26% |
| Speeding Ticket | $228 | +27% |
| At-fault Accident | $270 | +51% |
| Driving with a suspended license | $282 | +58% |
| DUI | $287 | +60% |
| Hit and Run | $289 | +61% |
What car insurance discounts can I get in Tempe?
In Tempe, several discounts can help reduce your insurance costs. These include bundling multiple policies, paying the full premium upfront, opting for paperless billing, and obtaining discounts for loyalty renewals. Below, these opportunities are ranked from the most to the least effective in terms of potential savings on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $159 | +$20 |
| Paid in Full | $168 | +$11 |
| Low Mileage | $173 | +$6 |
| Multi-Policy Renters | $173 | +$6 |
| Electronic Funds Transfer | $175 | +$4 |
| Paperless | $177 | +$2 |
| None | $179 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.