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.
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 Rates
- Tempe, AZ Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Tempe, AZ
- Multi Vehicle Insurance Savings in Tempe, AZ
- How Credit Score Affects Car Insurance Rates in Tempe, AZ
- How DUI Affects Auto Insurance Premiums in Tempe, AZ
- Top Auto Insurance Agents Near Tempe, AZ
- How Driving Violations Affect Auto Insurance Rates in Tempe, AZ
- Tempe, AZ Auto Insurance Discounts on Anti Theft Feature
- Tempe, AZ Auto Insurance Company Reviews
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
GeicoMy 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!
GeicoIt 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.
AllstateThe 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.
ProgressiveCustomer 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.
UsaaI would absolutely recommend USAA to anyone that is able to join. I can't imagine ever using another company for my insurance needs.
ProgressiveThe 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.
UsaaVery useful for all peoples and our families. It is useful for everyone who owns the vehicle.
GeicoI am completely satisfied with my offerings from Geico. Their premiums are significantly lower than most.
AllstateI 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.
ProgressiveI 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 InsuranceSometimes 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 InsuranceHonestly, 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.
GeicoI 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.