Table of contents
How much is car insurance in Tempe?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $11 a month more expensive to insure your vehicle in Tempe than it is in the rest of Arizona.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Tempe is rather affordable. On average, it's about $8 less to insure your vehicle in Tempe than it is in the rest of the U.S.
While these numbers are the average rates for auto insurance in Tempe, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But don't worry, we've broken down the average rate for Tempe residents based on several different factors so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may climb back up a bit in Tempe.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Tempe, this difference shakes out to about $5 a month. As illustrated in the table above, male drivers in the area pay about $74 on average, while female drivers pay around $69 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Tempe with a single accident on their record will usually see rates around $86 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $76 on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can get your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$64|
The most affordable vehicles to insure in Tempe are by and large trucks and vans, which run about $61 per month.
Car owners, on the other hand, typically pay around $73 per month, while SUV drivers can expect to pay about $68 a month for insurance.
The age of your vehicle can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Tempe, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
At a national level, single drivers usually pay more than married couples do for auto insurance. Tempe follows that pattern, with the difference totaling to around $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$104|
Another factor taken into consideration is your housing situation. Renters can expect to pay around $6 a month more than drivers who own property in Tempe. But if you live with your parents, you can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Tempe, AZ
Recent trends in car insurance for Tempe drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing your car insurance policy.
The cost of insurance in Tempe rose from 2016-2017, before leveling out in 2018. Policy premiums went up again recently, reaching a high of $84 in 2021.
How does Tempe compare to neighboring areas?
Why are car insurance rates in Tempe different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you call home. These include things like:
- Frequency of car accidents
- Availability of off-street parking
- Local regulations
- Rate of crime
- Amount of drivers
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Tempe?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com has you covered. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Tempe in no time.
Tempe Insurance FAQs
What factors affect car insurance quotes in Tempe?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Tempe different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Tempe?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tempe?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Tempe or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?