Tempe, AZ Car Insurance

Tempe drivers pay around $133 per month for car insurance. Are you paying too much?

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How much does car insurance cost in Tempe?

 

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!

 
CAR INSURANCE RATES IN TEMPE
Tempe Average (annual)Arizona AverageU.S. Average
$1,591$1,470$1,548
 
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Tempe car insurance rates by company

 

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.

 
TEMPE CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$807
USAA$1,287
State Farm$1,473
Progressive$1,637
American Family$1,690
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Tempe car insurance costs by age

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.

 
TEMPE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,688
20s$2,133
30s$1,559
40s$1,514
50s$1,413
60s$1,476
70s$1,897
 

Learn more about how age influences auto insurance rates.

 
 

 

Tempe car insurance rates by gender and marital status

 

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.

 
TEMPE CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,617
Male$1,591
Single$1,461
Married$1,461
Divorced$1,591
Widowed$1,518
 

Learn more about how gender and marital status have on insurance rates.

 
 

 

Tempe car insurance premiums by accident and citation history

 

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.

 
TEMPE CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$2,431
Reckless Driving$2,300
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
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Tempe auto insurance rates by credit level

 

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.

 
TEMPE AUTO INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$3,544
Fair$1,941
Good$1,591
Very Good$1,438
Exceptional$1,277
 

Learn more about the relationship between poor credit and car insurance.

 
 

 


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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.