Tempe auto coverage isn’t one-size-fits-all. An 18-year-old ASU undergraduate driving a 10-year-old Honda Civic, a Warner Ranch family with two SUVs and a teen learner, and a Maple-Ash household with a daily driver plus a weekend Porsche all need different coverage. Hicks Insurance Group is an independent agency licensed in Arizona, and we shop 14+ carriers to find the right policy for each Tempe driver.
This guide covers what an auto policy actually does, coverage by coverage, with Arizona rules and Tempe traffic risks. For every service we offer in the city, see Tempe insurance, or stop by our Tempe office.
Liability coverage pays others when you cause an accident. It’s the most important part of your policy, and Arizona’s minimum limits leave most Tempe drivers exposed.
Bodily injury liability pays third-party claims, including medical bills, lost wages and pain and suffering, when you’re at fault.
Tempe-specific reasons to carry more than the minimum:
Property damage liability pays for someone else’s property, such as their car, their fence or a streetlight, when you’re at fault. Arizona’s $15,000 minimum is inadequate for newer vehicles, so we recommend a $100,000 floor.
UM/UIM pays for your own injuries when an at-fault driver has no insurance or not enough of it.
Related:Auto insurance Auto FAQs What are the minimum auto insurance requirements in Arizona? Does Arizona require auto insurance?
Comprehensive, collision and gap coverage protect your own vehicle. Together they decide how much of a repair or replacement you pay yourself.
Comprehensive covers non-collision damage: theft, vandalism, hail, monsoon flooding, animal strikes, fire, falling objects and glass breakage.
Collision covers damage to your vehicle when you hit another vehicle or object, regardless of fault.
Gap (loan/lease payoff) coverage pays the difference between what you owe on a vehicle and its market value if it’s totaled. It matters most in the first two to three years of a new-vehicle loan, when depreciation can push market value below the loan balance. It’s usually an inexpensive add-on through your auto carrier and can cost less than dealer-financed gap.
Related:Auto coverage options What’s the difference between comprehensive and collision coverage? How does monsoon season affect auto insurance in Tempe? Does Arizona heat affect my auto insurance rates in Tempe?
These add-ons aren’t required, but they come up often in conversations with Tempe drivers.
The Phoenix metro is a major Uber, Lyft and DoorDash market. Standard personal auto policies exclude rideshare driving, so without an endorsement, a claim while you’re driving for a platform can be denied. Many Arizona carriers offer rideshare endorsements for a modest monthly cost.
Rental reimbursement pays for a rental car while yours is in the shop after a covered loss. A common option of $30 a day up to $900 is fine for most drivers; higher-value households often choose $100 or more a day so they can rent a comparable vehicle.
Roadside assistance is usually an inexpensive add-on, and it earns its keep in Arizona heat, when batteries die and tires blow out on hot pavement.
Standard policies allow aftermarket parts in repairs, while some high-net-worth policies guarantee original-equipment (OEM) parts, which matters for late-model luxury vehicles. Diminished-value coverage pays for the loss in resale value after a covered repair; it’s excluded by default but available on some high-net-worth policies.
Related:Bundle home and auto Does the auto policy include roadside or rental reimbursement? Am I covered if I drive a rental or borrow a friend’s car?
Tempe is ASU’s home, so young drivers are part of the picture for many local families. Adding a teen driver to an existing policy can raise your premium substantially, and carriers price young drivers very differently.
Related:What should I know about adding a teen driver? Can my teen get discounts for good grades or driver’s ed? Why is insurance more expensive for young drivers?
Get a Tempe Family Auto Quote →
Because we’re independent, we compare carriers side by side instead of pitching one company’s policy. For Tempe drivers we look at:
You get one quote sheet, not three carrier pitches. Pairing your car with your home can add multi-policy savings; see How much can I save by bundling home and auto insurance in Tempe?
“Lanie help me with my Home, Auto and Umbrella insurances. She was very helpful, courteous and answered all my questions.”— Miguel D., Google review
Ready to compare? Request a quote online, or call our Tempe office at 60 E. Rio Salado Parkway, Suite 9092, Tempe, AZ 85281, (480) 561-6210, or email plservice@hicksinsurance.com.
More Tempe coverage:Tempe homeowners insurance Tempe business insurance Tempe liability and umbrella insurance All Tempe insurance services
Independent auto insurance for Tempe drivers, compared across 14+ carriers.
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If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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