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How much is car insurance in Tempe?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that it is around $11 a month more expensive to insure your vehicle in Tempe than it is in the rest of Arizona.
Compared to the national average cost of auto insurance coverage, Tempe has lower rates. On average, it's about $8 less to insure your vehicle in Tempe than it is in the rest of the United States.
Bear in mind that while these rates represent the expected monthly payments for Tempe residents, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Tempe and broken down the different factors to help you understand what your monthly bill might look like. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates start to rise again once you hit retirement age in Tempe.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. This is true in Tempe, where women pay around $5 less per month. As illustrated in the table above, female drivers in the area pay about $70 on average, while male drivers pay around $75 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. In Tempe, drivers with one accident on their record will experience rates around $91 a month. In addition, drivers with a single ticket on their record can expect to pay around $79 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$79|
|15 Years or Older||$66|
According to the first table above, the cheapest vehicles to insure in Tempe are usually trucks and vans, at $58 per month.
Car owners can expect to pay an average of around $75 a month for their policy, while SUVs usually cost around $71 a month to insure.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Tempe, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$76|
More often than not, those who are currently married will pay slightly less for car insurance. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Tempe, with married couples paying about $14 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your living accommodations. Homeowners in Tempe can expect to pay around $7 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Tempe, AZ
Recent trends in car insurance for Tempe drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Tempe, the rates for auto insurance had been increasing from 2017-2018, when they hit a low of $65. This shifted in 2019, when car insurance rates started to rise. They reached a high of $81 in 2021, and finished down in 2022, at $72 a month.
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 a monthly rate, car insurance companies will consider a lot of factors. While we mentioned the factors that affect your personal policy, others are based around where you live and drive. These include things like:
- Availability of off-street parking
- Community regulations
- Amount of drivers in the area
- Road Safety (total number of local car accidents)
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Tempe?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com will handle the heavy lifting for you. Just enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Tempe.
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Tempe Insurance FAQs
What factors affect car insurance quotes in Tempe?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Tempe different from other neighboring cities?
Things like crime rates, local laws, and parking situations, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Tempe or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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