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Cheap Auto Insurance Quotes in Tempe, AZ (January 2022)

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Last Updated: January 2022
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Car Insurance in Tempe, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Tempe, AZ to find you the cheapest quotes in the area.
$69
$118
$131
$195
$204
State FarmAllstateTravelersThe GeneralLiberty Mutual

Cheapest Car Insurance in Tempe, AZ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$161
$196
$148
$163
$142
$156
ArizonaPhoenixTucsonMesaChandlerTempe
Click here to learn about car insurance quotes and save on your current policy.

Tempe, AZ Driving Facts

arizona

Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

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

Find local Tempe agents

Alliance Lead Group LLC dba: Armor Insurance Professionals
671 E Apache Blvd Ste 125, Tempe, AZ 85281
The DeLong Group, Inc.
8400 S Kyrene Rd Ste 128, Tempe, AZ 85284
Hayden & Hayden Agency, Inc.
5225 S McClintock Dr, Tempe, AZ 85283
Full Cycle Insurance
1231 West Warner Road, Suite 104, Tempe, AZ 85284
Warburton Insurance Services, Inc.
4645 S Lakeshore Dr Ste 9, Tempe, AZ 85282-7152
Costello Insurance Associates, Inc.
428 E Southern Ave, Tempe, AZ 85282-5214
Executives Insurance Agency, Inc.
4820 S Mill Ave Ste 202, Tempe, AZ 85282-7734
Lovitt & Touche, Inc.
1050 W Washington St, Tempe, AZ 85281-1490
All-Lines Insurance Agency
2201 S McClintock Dr Ste 1, Tempe, AZ 85282-2602
Hegarty-Haynes Insurance, Inc.
4500 S Lakeshore Dr Ste 485, Tempe, AZ 85282-7030

Insurify Insights: How Tempe Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Tempe, AZ
suspended licenses
#2
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tempe drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Tempe

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Tempe drivers rank 7 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #7
  • Percent of drivers in Tempe with an accident: 11.38%
  • Drivers in Tempe, AZ with an accident in their driving history paid on average 45.73% more than drivers with a clean record

Speeding in Tempe

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Tempe drivers rank 8 in the number of speeding infractions per driver.

  • Rank within state: #8
  • Percent of drivers in Tempe with a speeding ticket: 9.94%
  • Drivers in Tempe, AZ with a speeding ticket in their driving history paid on average 26.13% more than drivers with a clean record

DUI/DWIs in Tempe

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tempe drivers rank 19 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #19
  • Percent of drivers in Tempe with a DUI: 1.92%
  • Drivers in Tempe, AZ with a DUI in their driving history paid on average 38.19% more than drivers with a clean record

Most Popular Vehicle in Tempe

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tempe is the Honda Civic.

Rude Drivers in Tempe

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Tempe drivers rank 2 in rude driving infractions.

  • Rank within state: #2
  • Percent of drivers in Tempe with a reckless driving violation: 2.99%
  • Drivers in Tempe, AZ with a reckless driving violation in their driving history paid on average 44.22% more than drivers with a clean record.

Safest Drivers in Tempe

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Tempe drivers rank 19 in clean driving records across all cities in Arizona.

  • Rank within state: #19
  • Percent of drivers in Tempe with clean record: 79.8%

Failure to Yield the Right of Way in Tempe

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tempe drivers rank 2 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #2
  • Percent of drivers in Tempe with a failure to yield violation: 0.8%
  • Drivers in Tempe, AZ with a failure to yield violation in their driving history paid on average 1300% more than drivers with a clean record

Reckless Drivers in Tempe

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Tempe drivers rank 13 in the number of reckless driving offenses per driver.

  • Rank within state: #13
  • Percent of drivers in Tempe with a reckless driving offense: 0.05%

Hybrid/Electric Vehicle Ownership in Tempe

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tempe drivers rank 23 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #23
  • Percent of drivers in Tempe with a hybrid/electric vehicle: 1.07%

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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