Last updated: June 2023

Tempe, AZ Auto Insurance

Tempe is a wonderful place to live. Located just a few minutes from downtown Phoenix, there’s plenty of places to shop, eat, or see a show. But whether your idea of fun is a date night at the Tempe Center for the Arts or an afternoon paddleboarding on Tempe Town Lake, affordable auto insurance coverage can protect you and your vehicle on the way to your destination.

Since 1991, we’ve helped people find the right insurance to match their needs, no matter what their credit or insurance histories look like. If you’re searching for the best cheap car insurance in Tempe, AZ, call Direct Auto.

Tempe, AZ Minimum Car Insurance Requirements

Arizona auto insurance policies must at least meet the state’s minimum liability coverage limits, typically expressed as three numbers (representing thousands of dollars) separated by slashes. For example, the liability limits in Arizona are 25/50/15, and they help pay for someone else’s bodily injury and property damage claims after an accident that is primarily your fault. If you’re still confused what your insurance policy must include, please refer to the chart below.


Is It Required by Law?

Bodily Injury Liability Coverage provides financial protection if you cause an accident that injures another person. It helps pay for their medical expenses and your legal services (if necessary).

Yes. $25,000 bodily injury per person/$50,000 bodily injury per accident.

Property Damage Liability Coverage helps pay to repair or replace other people’s property that is damaged in an accident you cause. It typically involves damage to another vehicle, but it could help pay to repair a house, fence, mailbox, and more.

Yes. $15,000 property damage per accident.

Uninsured/Underinsured Motorist Coverage (UM/UIM) helps pay for your medical bills and related expenses if the other driver has no coverage (UM), insufficient coverage (UIM), or can’t be identified due to hit and run.

Not required.

Collision Coverage helps pay to repair or replace your vehicle if you collide with another car, tree, guardrail, or another object, regardless of fault.

Not required.1

Comprehensive Coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision, like fire, floodwaters, falling branches, vandalism, or contact with an animal.

Not required.1

1Coverage may be required by your lender if you lease or finance your vehicle.

Tempe, AZ Proof of Financial Responsibility & Penalties

Thinking about getting behind the wheel without auto insurance in Tempe? Before you do, consider the serious consequences. Arizona drivers face a minimum $500 fine and a suspension of their license and registration for a first offense. Each subsequent offense sees an increase in the suspension time and fine amount, according to the Consumer Federation of America.

Additionally, insurance companies are required to notify the state’s Motor Vehicle Division of policy cancelations or non-renewals, meaning you can’t easily escape getting caught without coverage. Therefore, it’s important to make sure to pay your premium and always carry proof of insurance when you’re driving in the Grand Canyon State.

SR-22 Insurance in Tempe, AZ  

In many states, high-risk drivers are also required to keep an SR22 (also known as a certificate of financial responsibility) on file with the state verifying they have purchased auto insurance coverage that satisfies the state’s minimum coverage requirements. Drivers might be required to fulfill SR-22 requirements if: 

  • They have committed other serious driving violations. 

If you need an SR22 filed to demonstrate financial responsibility compliance in Arizona or have questions about the penalties for non-compliance, we’d be happy to help. Direct Auto specializes in helping Arizona drivers find affordable car insurance coverage, regardless of their driving or insurance history. Give us a call today for a free quote. 

Arizona Regional Auto Insurance

Depending on where you live, you might have specific wishes and “must-haves” in your mind for your car insurance policy. After all, drivers in downtown Phoenix tend to encounter more traffic and have a higher risk of accidents than people living in more rural areas. But no matter what city you call home in Arizona, we’re here to help you get covered.

Mesa, AZ, Auto Insurance

Phoenix, AZ, Auto Insurance

Scottsdale, AZ, Auto Insurance

Tucson, AZ, Auto Insurance

Other Arizona Auto Insurance Resources

Get Covered with Direct Auto Insurance!

Have a question for us at Direct Auto? Need to start a policy? Just want to talk? Call us at 1-877-GO-DIRECT. For common questions, you can also consult our FAQs page.

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