Cheap Car Insurance in Tempe, AZ
Everything You Need to Know about Auto Insurance in Arizona
Tempe, Arizona’s eighth-largest city, lies just east of Phoenix and offers a vibrant mix of experiences. Visitors can explore desert landscapes, enjoy Tempe Town Lake, or visit the Tempe Arts Center. Home to Arizona State University (ASU), one of the largest public universities in the U.S., the city buzzes with energy.
Tempe’s Mill Avenue District showcases its rich heritage, while its name honors the Vale of Tempe in Greece. Sports fans can watch baseball games live at the Tempe Diablo Stadium. With outdoor adventures, arts, and education, the city offers something for everyone!
With all the exciting places to visit in Tempe, drivers must keep their car insurance policy active. Driving without coverage can lead to fines, loss of driving privileges, and other complications. That’s why understanding the requirements and benefits of car insurance in Arizona, is essential for drivers to ensure adequate protection while on the road. At Freeway Insurance, you can find affordable options and flexible plans – even if your driving record is less than perfect.
How Much Does Car Insurance Cost in Tempe, Arizona?
In Arizona, the average cost for state-required minimum insurance is about $49 per month, while full coverage costs approximately $151 per month. Nationally, drivers pay around $47 per month for minimum coverage and about $140 per month for full coverage. In Tempe, monthly premiums average $71 for minimum coverage and $136 for full coverage.
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Why Is Insurance So Expensive in Arizona?
In Arizona, insurance is often seen as pricey due to many uninsured drivers, increasing financial risks for insurers. Severe weather, like intense monsoons, also contributes to higher premiums by causing vehicle and property damage.
Cities like Phoenix experience higher accident rates, thanks to rapid population growth, heavy congestion, and a fair share of out-of-state drivers. Arizona also faces a real challenge with wildfires, particularly in rural and forested areas, leading to considerable damage to homes and properties, which can mean a lot of insurance claims.
Affordable Car Insurance Rates Comparison by Cities in Arizona
Below is a comparison of the average monthly premiums across various cities in Arizona:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Phoenix | $196 | $62 |
| Sedona | $119 | $33 |
| Scottsdale | $148 | $48 |
| Mesa | $156 | $50 |
| Flagstaff | $118 | $34 |
| Tempe | $136 | $71 |
Affordable Tempe Car Insurance Rates by Zip Code
Zip codes influence car insurance rates in Arizona. Insurance companies use zip codes to assess risk and determine premium prices for policyholders.
Below, we provide a breakdown of average monthly car insurance premiums for Tempe residents by zip code.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 85280 | $150 | $49 |
| 85281 | $145 | $47 |
| 85282 | $148 | $48 |
| 85283 | $147 | $48 |
| 85284 | $141 | $47 |
| 85285 | $150 | $49 |
| 85286 | $143 | $46 |
Low-Cost Car Insurance Rates by Age in Tempe
Younger drivers typically encounter much higher car insurance premiums than their older counterparts. This difference stems from several factors, including the limited driving history of younger individuals and the greater number of claims filed by this group.
To offer more insights, we have assembled a breakdown of the average monthly premiums paid by Tempe residents, categorized by age group.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $722 | $259 |
| 20s | $321 | $107 |
| 30s | $145 | $47 |
| 40s | $135 | $44 |
| 50s | $126 | $41 |
| 60s | $122 | $41 |
| 70s | $141 | $50 |
*Disclaimer: Our cost estimation comes from a profile of a 30-year-old male obtaining the minimum insurance coverage required by Arizona. Rates can fluctuate significantly based on factors such as age, driving history, location, and coverage level.
Driving Conditions in Tempe, Arizona
How Many Fatal Accidents Happen in Tempe?
In 2023, Tempe saw a significant rise in fatal accidents, with the total number reaching 30, up from 20 reported the previous year. In addition to the rise in deaths, the city also noted a substantial increase in injuries, totaling 3,199 individuals injured. This number surpasses the 3,145 injuries recorded in 2022, surpassing the figures from 2021 and 2020.
How Are the Road Infrastructure and Bridges in Tempe?
Tempe has improved its transportation infrastructure with upgraded intersections, dedicated bike lanes, and pedestrian pathways. Key projects include additional Rural Road and University Drive turn lanes and repaving major roads for smoother, safer travel.
Minimum Car Insurance Requirements in Tempe
In Arizona, the minimum car insurance requirements aim to ensure that drivers are financially responsible in the event of an accident. Specifically, drivers must carry:
- $25,000 in bodily injury liability coverage for each individual injured in an accident
- $50,000 in total bodily injury liability coverage for accidents involving two or more individuals
- $15,000 in property damage liability coverage, which covers damages to other people’s property resulting from an accident
This combination of coverage is often called 25/50/15 coverage. It offers a basic level of financial protection for drivers and everyone impacted by their actions on the road.
What Are the Penalties for Driving Without Insurance in Tempe, Arizona?
In Arizona, driving without insurance is a serious offense that can lead to significant legal consequences. If you are caught driving without valid insurance, you may face various penalties to discourage this behavior.
For a first offense, the consequences are as follows:
- A fine of $500
- A suspension of your driver’s license, registration, and license plates for three months
- A requirement to have an SR-22 certificate
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Factors Allowed in Tempe Car Insurance Rates
Car insurance companies in Arizona evaluate various factors to establish your premiums. Some of these factors include:
- Credit Score: Insurance providers often use credit scores to estimate the likelihood of a customer filing claims. A higher credit score generally indicates financial responsibility, which can lead to lower premiums.
- Driving Record: Your driving history helps determine your insurance rate. This includes your accident history, any traffic violations, and details about previous claims. A clean driving record may result in discounts, while a record with multiple violations can lead to increased rates.
- Location: Areas with higher incidences of accidents, theft, or vandalism typically see higher premiums. Local weather patterns might also be considered, as regions prone to natural disasters may incur higher rates.
- Age: Younger drivers, especially those under 25, often face higher premiums due to a lack of experience and a statistically higher likelihood of being involved in accidents.
Auto Insurance Rates for Young Drivers vs Older People in Tempe, Arizona
Car insurance rates tend to fluctuate with age, primarily due to changes in risk assessment over a driver’s lifespan. For instance:
- Younger drivers under 25 typically experience higher car insurance rates. This group is considered higher risk due to their less driving experience and greater tendency to engage in risky driving habits.
- Drivers in their 50s and 60s typically enjoy lower car insurance rates. Insurers often view this age group as more responsible and less likely to be involved in accidents, leading to reduced premiums compared to younger drivers.
- Drivers aged 75 and above may face rising insurance costs due to heightened safety and accident risk concerns. However, some states provide incentives or discounts for their extensive driving experience, potentially offsetting the increased insurance expenses in this age category.
What Are the Best Discounts for Car Insurance in Tempe, Arizona?
Drivers in Arizona could qualify for various car insurance discounts, such as the following:
Customer Loyalty: Also referred to as a customer loyalty discount, this unique insurance discount may reduce monthly premiums as a reward for being a long-time customer of the same insurance provider.
Multiple Car Insurance: If you own several cars parked at home and insure them all with the same carrier, you may be eligible for their multiple vehicle discounts.
Safe Driver Discount: A safe motorist auto savings offers a lower policy premium because of a clean driving record.
Student Discount: Young drivers receive reduced rates influenced by factors related to their school attendance and performance.
Paperless Billing: An auto pay auto insurance discount lowers your automobile insurance rate because the company can reduce certain recurring administrative costs.
Bundling: Insurers offer a multi-policy insurance discount to customers who buy multiple policies from them.
Get an Online Quote for Car Insurance in Tempe Today!
Drivers must maintain an active auto insurance policy to legally drive in the Grand Canyon State. Fortunately, with Freeway Insurance, you will have professional help committed to streamlining this process and assisting you in finding the ideal coverage tailored to your unique needs and budget.
To initiate your journey toward securing the perfect auto insurance policy, reach out to us online through our user-friendly website, stop by one of our conveniently located offices, or call (800) 777-5620. Let us help you safeguard your driving experience and ensure you have the protection you deserve!