Tempe, Arizona car insurance costs $672 per year for minimum coverage, and $1,671 to cover full coverage. This is slightly higher than the Arizona state average and quite in line with national average car insurance costs for full and minimal coverage. Maricopa County has a higher number of crashes than the rest of Arizona, which could lead to slightly higher rates. The state had 97,105 accidents in 2019, which accounts for 75% of all Arizona crashes. This county accounted for 47% of all Arizona fatalities.
Phoenix may have influenced the data, as Tempe and Phoenix are just a few minutes from each other. This is something to keep in mind when shopping for car insurance. Shopping around for quotes that are based on your ZIP code may help you save money.
Tempe’s best car insurance company
Bankrate compared the market share of top providers in Tempe to determine the best. Power scores, average premium cost, and available discounts are just a few of the variables.
Geico
Geico’s rates are the lowest based on quoted premiums compared to other providers. Geico offers its customers a range of discounts that can be used to reduce their premiums. You can save a lot with many of the discounts offered by Geico. Geico can help you save up to 25% on two vehicles.
USAA
You may be eligible for USAA and save money by choosing them as your auto insurance provider. USAA provides insurance only to active and retired military personnel, their immediate families, and not to civilians. J.D. has awarded USAA exceptional customer satisfaction scores. USAA is a great choice for Tempe drivers looking for insurance.
All over the country
Nationwide offers discounts. The most important one uses smartphone technology to save drivers even more. You could save as much as 40% by signing up for SmartRide. Simply download the app to your smartphone and it will track your driving habits while you travel. You can save money on your premium if you have safe driving habits.
State Farm
State Farm has an app that analyzes your driving habits, just like Nationwide. Drive Safe and Save is a program that analyzes your driving habits.
- Habits of acceleration
- Braking habits
- Cornering habits
- Speed limit habits
- Distracted driving habits
State Farm offers discounts up to 30% for following the road rules and driving responsibly. J.D. also rates State Farm highly. With a score 826 out 1000, State Farm also ranks highly in the J.D. Power customer satisfaction study on auto insurance.
Progressive
Progressive also received high customer satisfaction scores from J.D. Its rates are also more affordable for Tempe drivers because of the discounts it offers. Progressive also offers an online tool where you can name your price, and Progressive will match it with a policy. The online tool allows you to compare rates from other insurance companies. Progressive offers both small- and large-scale accident forgiveness. Your rate will not be affected by accident forgiveness, depending on your eligibility.
Tempe has the lowest car insurance
Tempe car insurance is very similar to that of the state, and the national average. Tempe residents currently pay $672 per year for minimum coverage, and $1671 per year for full coverage. This is slightly less than the national average ($1,674 per year for full protection), but it is slightly higher than Arizona’s annual average ($1,547 full coverage).
The cheapest car insurance companies in Tempe, based on quoted annual premiums, are nationally-recognized providers. J.D. rated all of the reviewed companies with solid customer service scores. Power. Although rates can vary between providers, the actual price of your policy will likely be different. It may be necessary for you to compare quotes from several providers in order to find the best car insurance. You may end up paying more or less depending upon your driving record and insurance needs.
Tempe insurance requirements
Arizona’s minimum requirements for car insurance are:
- $25,000 per person for bodily injuries
- $50,000 per person for bodily injuries to two or more people
- $15,000 for property damage
Some cases may be:
- $25,000 per person for underinsured/uninsured motorist bodily injury coverage
- $50,000 per accident for underinsured/uninsured motorist bodily injury coverage
Tempe drivers must have minimum car insurance to be legally able to drive legally. With uninsured/underinsured motorist bodily injury coverage, however, drivers may be able to opt out in writing.
However, you might want to purchase full coverage if you have the means. Arizona’s requirements for property damage are far less than the average price of a new vehicle. It is possible to have $30K worth of damages if you own a Ford truck.
If you are planning on financing or leasing a car, an auto dealer will likely require that you purchase full coverage. Limits may vary depending on your situation. This is important to remember when shopping for quotes. The companies that offer the lowest minimum premiums are not always the best providers for full coverage policies.
Tempe car insurance discounts
Discounts are often a way to get the lowest car insurance in Tempe. While discounts that drivers might consider may vary depending on the provider or the amount of savings they offer, these discounts can include:
- Defensive driving: There are many online defensive driving courses that can be taken in the evenings, weekends or online. This may result in a discount on your premium for many national providers.
- Multi-car: It is not necessary to shop around for policies for each car, unless you have a very expensive or valuable antique vehicle. Multi-car discounts can often save you a lot of money.
- Bundling: Similar to multi-car discount bundling, bundles often provide significant savings on your policies. Bundling refers to when multiple policies are offered by the same provider, such as homeowners, condo or renters insurance.
- Good student: Are you under 25 and have your policy? Good grades can get you a discount from many insurance companies. It may remain on your account until your student turns 25 depending on the provider.
- Paid in full: If your premium is paid in full, you could save as much as 10% with certain providers.
Questions frequently asked
Which is the best auto insurance company?
When shopping for car insurance, each person has different requirements. Different people seek different things when shopping for car insurance. Some want lower premiums while others are more concerned about financial stability. This is a comprehensive review of , the top 2021 car insurance companies.
What is the cost of Tempe car insurance?
Car insurance costs vary between drivers. The average cost for Tempe car insurance is $1,671 for full coverage, and $672 for minimal coverage. The cost of car insurance depends on many factors. These include your driving record, where you live, and the car you drive.
Which Arizona company offers the best auto insurance?
Arizona residents have many options for car insurance. Tempe residents have the advantage of having the best state options within easy reach of the best cities.
