Tempe Auto Insurance Rates, Quotes, Agents & Reviews in AZ

Tempe, AZ Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tempe, AZ, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Tempe, AZ are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Tempe, AZ Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Tempe, AZ with that of other cities in and around Tempe.

Tempe Chandler Mesa Gilbert Paradise Valley Guadalupe
Average Insurance Rates $1,094 $1,044 $1,095 $1,059 $2,189 $1,281

Tempe, AZ Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Tempe, AZ based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Tempe $1,415 $1,195
Guadalupe $1,606 $1,356
Phoenix $1,175 $993
Paradise Valley $2,271 $1,918
Gilbert $1,483 $1,253
Mesa $1,303 $1,101
Sun Lakes $1,064 $899
Chandler $1,017 $859

Tempe, AZ Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Tempe, AZ usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,550
20 Years $1,406
30 Years $1,083
40 Years $1,042
50 Years $965
60 Years $978
70 Years $1,139

Tempe, AZ Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Tempe, AZ can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,925 $263
3 Vehicles $2,888 $394
4 Vehicles $3,851 $525

Savings on 2 Vehicles bundle:$263

Savings on 3 Vehicles bundle:$394

Savings on 4 Vehicles bundle:$525


Tempe, AZ Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tempe, AZ.

Location Average Insurance Cost Post DUI Insurance Rate
Tempe $1,094 $2,169
Guadalupe $1,281 $2,539
Phoenix $1,296 $2,569
Paradise Valley $2,189 $4,339
Gilbert $1,059 $2,099
Mesa $1,095 $2,171
Sun Lakes $1,388 $2,751
Chandler $1,044 $2,069

Tempe, AZ Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $939
Excellent (740-799) $1,071
Good (670-739) $1,140
Average (580-669) $1,487
Poor (300-579) $1,784

Tempe, AZ Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Terence Paytee State Farm 130 N Central Ave Ste 110, Phoenix, 85004-2367 602-257-4188
Jerry Wood State Farm 3738 E Thomas Rd, Phoenix, 85018-7503 602-955-3284
William Hazlett Allstate 1200 W University Dr Ste 105, Tempe, 85281 (480) 756-1988
Tag Insurance And Financial Services, Inc. None 8601 S Priest Dr Ste 101A, Tempe, 85284 None
Joseph Lambros Farmers 916 E Baseline Rd Ste 103, Mesa, 85204 (480) 382-1570
United Valley Of Arizona Llc Liberty Mutual Independent 3325 E BASELINE RD, GILBERT, 85234 (480) 892-8755
Steve Haase State Farm 220 N Chippewa Pl, Chandler, 85224-4307 480-963-0261
Peoples Ins Co Inc Travelers 1745 S ALMA SCHOOL RD 174, MESA, 85210 480-386-1127
Passey-Bond Company, Inc. None 28 N Center St, Mesa, 85201 None
Jim Shepard State Farm 1725 E University Dr, Mesa, 85203-8302 480-964-8173
Imes Ins Assoc Inc Travelers 2045 S VINEYARD DR STE 152, MESA, 85210 480-820-2020
R S P Insurance Specialists Llc Travelers 2234 S MCCLINTOCK DR, TEMPE, 85282 480-755-1543

Tempe, AZ Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$48 $1,142
Driver's Failure In Showing Documents +$106 $1,200
Driving With An Expired Registration +$113 $1,207
Driving At A Considerably Slow Pace +$237 $1,331
Using A Cellphone While Driving +$251 $1,345
Running A Red Light +$255 $1,349
Speeding +$268 $1,362
Driving A Vehicle Without The Required Permission +$340 $1,434
Driving With An Expired/Suspended License +$737 $1,831

Tempe, AZ Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,050
Active Disabling Device $1,050
Tracking Device $1,028
Passive Disabling Device $1,017

Latest Auto Insurance Reviews in Tempe, AZ | Back to Top

Geico
My policy is amazing! Cheaper than others by far with comparing the other companies with no extras like towing and rental. My policy has towing and rental and is far cheaper, and I have a driver in their 20s!
Geico
It is reasonably priced as long as there are no accidents on your record. My only complaint was when i had a small accident that took forever to fall off and caused my rate to be a little high.
Allstate
The combinations of coverage options Allstate has meets all our needs. They also provide discounts for bundling with our auto and umbrella coverage. They also have guaranteed renewal for our policy.
Progressive
Customer service has always been excellent. Any time I have had questions about my coverage or switching vehicles, they have been great and everything was easy.
Usaa
I would absolutely recommend USAA to anyone that is able to join. I can't imagine ever using another company for my insurance needs.
Progressive
The deductible remained relatively the same from my previous policy. The insurance agent was able to offer a lower premium for the same coverage in addition to adding some provisions covering a life change.
Usaa
Very useful for all peoples and our families. It is useful for everyone who owns the vehicle.
Geico
I am completely satisfied with my offerings from Geico. Their premiums are significantly lower than most.
Allstate
I dislike that the deductible can be high at times. I will sometimes pay a lot a year. As long as you don't have any accidents on your record, you should be okay though.
Progressive
I like the company because i find it cheaper a side of the other insurance company. They also i really on top of every claim and they provide fast and quick service.
United Automobile Insurance
Sometimes it takes to answer the phone, because it is a large company and is very demanded every day, so you have to wait a certain time to be served by your operator
Auto-Owners Insurance
Honestly, I like my old company and only switched because of the premium amounts. I had never really heard of this company before, so I am not yet sure if I can trust the company to fulfill its obligations if and when I do have to make a claim. I would feel better if this company were a household name like my previous company was.
Geico
I switched over from Allstate and saved over $300 per year. I am extremely satisfied with saving money and receiving the same amount of coverage I had with my original insurer.