Tempe Car Insurance

The Zebra
May 30, 2018

Car Insurance in Tempe

On average, Arizona premiums are 13% less than the national average. While premiums in in Tempe are relatively low as well, it is still critical to save while insuring a vehicle. Who doesn't like to save money? Check out some methods to save on car insurance in Tempe.

  • City Average: $1,347
  • State Average: $1,247
  • National Average: $1,427

Tempe Car Insurance by Accident or Violation History

Prior accidents and violations can cost you in terms of car insurance rates. Reckless driving will increase your car insurance premiums more than other driving violations. In Tempe, drivers with a DUI have rates $984 greater than the city average ($1,347). Reckless driving will bump your premiums up as well, with average rates of $3,012, which are 124% higher than the city average! Being at-fault in an accident costs drivers an additional 59% per year to insure your vehicle in Tempe.

  • DUI: $2,331
  • Reckless Driving: $3,012
  • At-fault Accident (damages less than $1000): $2,135
  • At-fault Accident (damages greater than $2000): $2,135
  • Speeding Ticket (16-20 mph over speed limit): $1,807

Tempe Car Insurance by Gender and Marital Status

Car insurance premiums in Tempe can be influenced by gender and marital status. Rates for those who are widowed are marginally cheaper than rates for those who are single. You spend $100 more per year if you're single as opposed to married. Typically, females have premiums that are a mere 1% more expensive than those for males.

  • Female: $1,361
  • Male: $1,347
  • Single: $1,347
  • Married: $1,247
  • Divorced: $1,347
  • Widowed: $1,323

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Tempe Car Insurance by Age

When Tempe drivers reach their 20s, therefore moving out of the teenage age range, they save an average of $3,976 each year, which is the most change you'll see between any age group. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time. Teenage drivers have the biggest premiums of any age group, with average car insurance payments of $5,791. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest insurance payments among any age group, with rates of $1,184 per year.

  • Teenagers: $5,791
  • 20s: $1,814
  • 30s: $1,327
  • 40s: $1,277
  • 50s: $1,184
  • 60s: $1,246
  • 70s: $1,605

Tempe Car Insurance by Credit Rating

People with Very Poor credit (300-579) normally pay 2.4x more every year on premiums than those with Exceptional credit (800-850). In terms of percent change, moving from Very Poor (300-579) to Fair (580-669) has the greatest favorable effect on premiums, as it saves drivers around 22% per year.

  • Very Poor: $2,801
  • Fair: $2,193
  • Good: $1,747
  • Very Good: $1,414
  • Exceptional: $1,166