Find Cheap Car Insurance in Tempe, AZ

Tempe has a rich history intertwined with the Hayden Ferry. This vital river crossing was instrumental in molding Tempe’s identity as a flourishing and culturally diverse center. Notably, the city is known for being the proud location of Arizona State University, an institution established in 1885.

When it comes to driving around the Grand Canyon State, having the right auto insurance is a must for all motorists. Whether your driving record is squeaky clean or has a few bumps along the way, it’s essential to ensure you have the coverage required to hit the roads legally. Acceptance Insurance is here to provide tailored and cheap car insurance in Arizona that caters to your specific needs so you can drive with confidence.

Keep reading to learn about the world of vehicle protection in the region and take advantage of the best discounts available to stay secure while cruising around Tempe and beyond.

In Tempe, if you’re eyeing basic liability auto coverage as required by the state, you can expect to shell out around $47 per month. That’s a bit lower than the national average of $52 and noticeably less than the Arizona average of $68.

Now, suppose you’re considering getting full car insurance in this area. In that case, the average cost is $145 per month. That’s a good $84 less than the Arizona average, which hovers around $229, and $23 less than the national average of $168.

Reasons Why Insurance is So Expensive in Arizona

While in Tempe insurance rates can be reasonably affordable, the truth is that in Arizona, the price of auto insurance is about 8% higher than the national average premiums. This increase could be attributed to factors like the number of vehicles on the road, driving conditions, and local trends in claims and risk assessment. However, your final rate will depend on various factors, as we will discuss throughout this guide, such as your city and age.

Every city comes with its unique driving quirks and risk data, like accident rates and car theft occurrences, impacting insurance prices compared to more tranquil locales. Check out the average prices of car insurance policies in different cities across the Grand Canyon State in the table below.

Compare Car Insurance Rates by Zip Code in Tempe

Where you live can significantly affect how much you pay for coverage since specific risks like accidents or theft are prevalent in different areas. Moreover, depending on your location and driving habits, your usual commute may involve navigating through intersections known for car accidents, like the famous South McClintock Drive and East Rio Salado Parkway junction, which has recorded the highest number of injury crashes since 2012.

Refer to the chart below for average insurance costs in various zip codes around Tempe:

Low-Cost Car Insurance Rates by Age in Tempe

Auto insurance can hit young drivers’ wallets hard due to the higher risk they’re perceived to pose. The good news is, as you age, rates tend to level out and may even decrease as you enter your middle years.

Explore the table below to check out the average monthly insurance costs in Tempe broken down by age groups:

*To figure out the average costs, we use the following approach: we consider a 30-year-old male, with the state’s minimum liability coverage and full 100/300/100 coverage.

How Many Fatal Accidents Happen Per Year in Tempe, AZ?

According to the Arizona Department of Transportation, an average of 3 people lose their lives every day as a result of traffic crashes on Arizona roads. This is a troubling statistic, especially considering the impact these accidents can have on your insurance premiums.

In 2023, the Grand Canyon State experienced 122,247 crashes, resulting in 1,307 fatalities. Within Maricopa County, which includes Tempe, there were a total of 87,237 crashes during the same year, with 647 proving fatal and leading to the tragic loss of 681 lives. In 2022, there were 19 fatal crashes in Tempe.

Are Road Infrastructure and Bridges in Tempe Well Maintained?

The streets and infrastructure in Tempe are in exceptional condition, thanks to the city’s implementation of the Refresh Tempe program several years ago. This initiative propelled Tempe to achieve the 2023 What Works Cities Certification at the Platinum level by prioritizing the enhancement of safety and quality of life for its residents, as well as the promotion of sustainable and equitable development.

Throughout 2025, several improvements will be completed, including the relocation of utility lines, installation of sewer manholes, and the establishment of a raised intersection at Tenth Street and Smith Road. These projects will continue throughout the city until 2029, involving repaving, construction of ADA-compliant ramps, and enhancements in signage, bridges, and crossings.

When hitting the roads in Tempe and throughout Arizona, ensuring you meet the minimum coverage requirements is a non-negotiable part of vehicle registration and driving. It’s a legal essential for every driver to carry at least the required liability coverage and to have proof of insurance on hand while cruising around – commonly known as proof of financial responsibility.

So, what are the minimum coverage amounts for drivers in the Grand Canyon State? Here’s the breakdown:

• $25,000 for bodily injury per person
• $50,000 for bodily injury per accident
• $15,000 for property damage per accident

Remember, having the right insurance coverage not only keeps you compliant with the law but also provides peace of mind on the road.

Driving around Arizona without auto insurance? Not a great idea. If you get caught without proof of coverage, you could be looking at some serious consequences. Here’s the lowdown on what could happen if you’re driving uninsured in the Grand Canyon State:

• First strike: $500 fine, 3-month license and registration suspension, mandatory SR-22 insurance for 2 years
• Second offense: $750 fine, 6-month license and registration suspension, and you’re still stuck with that SR-22 insurance
• Third time’s the charm: $1,000 fine, 1-year driving privileges suspension, another 2 years of SR-22 insurance required

Don’t forget, these penalties are peanuts compared to the financial fallout of an accident without vehicle protection. Keep yourself and others safe on the road by following Arizona’s insurance rules.

Determining your insurance costs is no simple task—there are numerous factors at play. Your city, age, and zip code are certainly influential, but insurers consider a variety of other elements when calculating your premiums, including:

• Your credit score
• Vehicle safety features
• Claims history
• Your marital status
• Daily commute distance and driving habits

Have you ever considered that selecting the right car insurance is more than just a box to check off your to-do list? It’s about safeguarding your financial well-being and preparing for the unexpected twists and turns that life may throw your way. Having adequate coverage can shield you from unforeseen events that could otherwise shake your savings and assets.

Imagine this scenario: you’re navigating the rainy streets of Tempe when a sudden skid sends your car careening into a display window or a parked car. A full policy ensures that you’re covered for the damages to your vehicle and any property that may have incurred harm. But it’s not only about accidents – comprehensive vehicle protection provides a safety net for theft and natural disasters.

Ultimately, having auto insurance allows you to drive with peace of mind.

On the lookout for ways to reduce your car insurance costs? Well, you’re in luck because there are a variety of auto insurance discounts that could really work in your favor. Here are a few examples to get you started:

These discounts can help you save on your plan while still enjoying solid coverage. If you need more information on any of these savings, contact your local agent.