Who Has Affordable Auto Insurance Rates for Safe Drivers in Chandler?

For good drivers, one of the big criteria that are looked at to help calculate the cost of insurance is your zip code in Chandler. More populated areas tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.

The following table ranks the most expensive areas in Arizona for safe drivers to purchase car insurance in. Chandler shows up at #11 with an annual rate of $1,115 for coverage, which is approximately $93 per month.

How much is car insurance in Chandler?
Rank City Annual Rate
1 Phoenix $1,268
2 Glendale $1,190
3 Avondale $1,174
4 Mesa $1,159
5 Gilbert $1,154
6 Scottsdale $1,151
7 San Tan Valley $1,150
8 Peoria $1,137
9 Goodyear $1,131
10 Buckeye $1,122
11 Chandler $1,115
12 Tempe $1,106
13 Maricopa $1,085
14 Catalina Foothills $1,082
15 Surprise $1,080
16 Tucson $1,072
17 Casas Adobes $1,072
18 Oro Valley $1,062
19 Casa Grande $1,047
20 Yuma $954
21 Prescott $952
22 Flagstaff $931
23 Bullhead City $896
24 Sierra Vista $863
25 Lake Havasu City $852
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Annual rates are comparative as the specific geographic location can impact premiums significantly.

Deciding which companies quote the cheapest car insurance rates for safe drivers may require a little more sweat than just comparing a company or two. Each auto insurer has a unique formula to set policy rates, so let’s take a look at the car insurance companies that tend to be cheaper in Chandler.

Keep in mind that Chandler car insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Improving your credit rating, buying another vehicle, or getting a DUI may cause policy rate changes that can now make some companies more affordable than before.

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Cheapest auto insurance in Arizona ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $915
3 Safeco $923
4 Travelers $1,108
5 USAA $1,113
6 Progressive $1,118
7 GEICO $1,142
8 Ameriprise Group $1,208
9 Allied $1,209
10 CSAA $1,213
11 Farm Bureau Mutual $1,297
12 Safe Auto $1,297
13 Unitrin $1,317
14 State Farm $1,323
15 Farmers $1,391
16 American Family $1,435
17 Titan $1,461
18 Amica $1,487
19 California Casualty $1,506
20 MetLife $1,551
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The Hartford may have some of the lowest car insurance rates in Chandler at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheapest Chandler, AZ auto insurance companies.

As depicted above, if you are insured with Travelers and switched to Auto-Owners, you may see annual savings of around $193. Insureds with USAA may save as much as $198 a year, and Progressive policyholders might see rate reductions of $203 a year.

To discover how much you can save, click here or click several companies below for low rates.

Remember that these rates are averaged across all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for safe drivers. So the insurer that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own specific driver and vehicle information.

Choosing the top car insurance company is difficult considering how many different companies sell coverage in Chandler. The ranking data listed below could help you decide which companies you want to consider when comparing auto insurance rates for safe drivers. The ratings below only include the companies with a significant amount of written premium nationwide, so companies that may only write in Arizona will not be included in these rankings.

Best Car Insurance Companies for Safe Drivers in Arizona
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Full coverage or liability only

Saving money when shopping for car insurance is the goal of most people, and one of the best ways to find cheaper insurance for safe drivers is to not insure for full coverage. The example below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, single status, and no discounts are factored in.

If we average the cost for ages 20 through 70, comp and collision coverage costs $1,919 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is a waste of money. There is no clear-cut rule of when to exclude full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

There are some cases where dropping full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.

How to find budget-friendly auto insurance for safe drivers

Here are a few penny-pinching suggestions that can help Chandler drivers buy lower-cost coverage.

The last tip is especially significant, as we hit on in the prior information. Auto insurance rates can change in a short period of time, so don’t be afraid to switch to a new company if a lower-cost policy is available.

Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying hundreds every year. If you have a few minutes, compare rates and find cheaper insurance for safe drivers in Chandler.

If you like to have some advice when shopping around for cheaper insurance for safe drivers, the agencies below are a good start to help you determine which auto insurance coverages would be the best in your situation. To locate a Chandler insurance agent by location nearest to you, click the button link following the list or click here to compare price quotes.

J L Pound Insurance Agency
12139 E Cloud RdChandler, AZ 85249(602) 284-2141

Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14Chandler, AZ 85248(480) 666-7996

State Farm: Debbie Wiltse
4980 S Alma School Rd #A6Chandler, AZ 85248(480) 792-9468

Farmers Insurance – Delia Aguirre
813 W Elliot Rd #6Chandler, AZ 85225(480) 491-3232

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