Tempe drivers pay around $133 per month for car insurance. Are you paying too much?
The typical Tempe driver pays $1,591 per year for auto insurance. That's more expensive than the statewide average in Arizona ($1,470) and more costly than the national average of $1,548. Our guide to Tempe auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
|Tempe Average (annual)||Arizona Average||U.S. Average|
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Tempe, GEICO offers the cheapest premiums for the typical insurance buyer. Reference below the top options for affordable insurance in Tempe. Don't forget to get car insurance quotes based on your unique driving profile.
|Insurance Company||Average Rate (annual)|
The best age for car insurance rates as a driver in Tempe is your 50s: drivers in this age group pay an average of $1,413 per year. Those in their 60s don't pay much more ($1,476).
Teenage drivers pay Tempe's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Tempe is to celebrate your 20th birthday. In Tempe, teenage drivers pay $6,688 — a full $5,212 more than the second-most expensive rate paid by an age group.
|Age bracket||Average Yearly Rate|
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Tempe, married drivers pay $130 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tempe, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Tempe, female drivers pay $26 per year more than do male drivers.
|Gender/Marital Status||Average Yearly Rate|
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Tempe drivers found guilty of reckless driving face insurance rate increases of $708 per year, compared to the citywide average. A DUI violation may lead to an $839 increase, while a citation for speeding leads to a $431 rate hike.
|Incident||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$2,025|
|At-fault Accident (damages greater than $2,000)||$2,331|
|Speeding Ticket (16-20 mph over speed limit)||$2,023|
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Tempe drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 64% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Tempe, moving into the "Fair" credit tier corresponds to an average of $1,604 in savings on insurance each year.
|Credit Tier||Average Annual Rate|