Who Has Affordable Auto Insurance Rates for State Employees in Chandler?

For state workers, one of the largest things that aid in calculating auto insurance rates is where your car is garaged in Chandler. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The illustration below sorts the most expensive cities in Arizona for state employees in which to buy car insurance. Chandler shows up at #12 costing $1,082 for car insurance, which is around $90 monthly.

How much does auto insurance cost in Chandler?
Rank City Average Per Year
1 Phoenix $1,231
2 Glendale $1,226
3 Avondale $1,210
4 Scottsdale $1,163
5 San Tan Valley $1,161
6 Mesa $1,147
7 Gilbert $1,142
8 Peoria $1,137
9 Goodyear $1,131
10 Buckeye $1,122
11 Tempe $1,106
12 Chandler $1,082
13 Casa Grande $1,079
14 Maricopa $1,074
15 Catalina Foothills $1,072
16 Tucson $1,061
17 Surprise $1,058
18 Oro Valley $1,051
19 Casas Adobes $1,050
20 Flagstaff $960
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Premium costs are estimated as specific location information can influence premiums greatly.

The car, truck, or SUV you are seeking coverage for is one of the largest factors when comparison shopping for affordable car insurance for state employees. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The next list showcases coverage prices for some of the cheapest automobiles to insure in Arizona.

Cheapest Vehicles to Insure in Chandler, AZ
Vehicle Insured Estimated Cost for Full Coverage
Honda Accord EX-L 4-Dr Sedan $1,191
Hyundai Elantra SE Touring Station Wagon $1,198
Ford Escape XLS 2WD $1,243
Honda CR-V EX-L 2WD $1,282
Jeep Wrangler Sport 4WD 2-Dr $1,284
Dodge Grand Caravan Hero $1,297
Nissan Altima 2.5 4-Dr Sedan $1,302
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,326
Ford F-150 XLT Regular Cab 2WD $1,364
Toyota Corolla S $1,371
Toyota Camry SE $1,364
Toyota Prius $1,382
Kia Optima LX $1,390
Volkswagen Jetta 2.0T 4-Dr Sedan $1,393
Ford Explorer Eddie Bauer 2WD $1,398
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Chandler, AZ which can alter insurance rates considerably.

Based upon these rates, we can infer that models like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are most likely going to be a few of the most economical vehicles to insure for state workers.

Full coverage rates vs. liability-only

Reducing the cost of insurance is important to most vehicle owners, and one great way to lower the cost of insurance for state employees is to buy liability only. The information below illustrates the difference between premium costs when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.

Averaged for all ages 20 through 70, comp and collision coverage costs $1,704 per year over and above liability only. Lot’s of drivers question if full coverage is worth the money. There is no set rule of when to exclude physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.

Ending up with a highly-rated auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking information in the lists below may help you analyze which providers to look at when insurance shopping for state employees.

The ratings below are for the largest companies in the United States, so companies that only write business in Arizona or surrounding areas will not be included in this list. If you would like to check rates from the most competitive companies in Arizona, simply click here.

Top 10 Large Auto Insurers Overall in Chandler

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Mercury Insurance

Top 10 Large Auto Insurers in Chandler Ranked by Customer Satisfaction

  1. Titan Insurance – 95%
  2. USAA – 94%
  3. AAA Insurance – 91%
  4. State Farm – 90%
  5. Nationwide – 90%
  6. The Hartford – 89%
  7. GEICO – 89%
  8. The General – 88%
  9. 21st Century – 88%
  10. Liberty Mutual – 88%

If you aren’t sure which coverage to buy and prefer to get some professional input when comparing insurance rates for state employees, the agents listed below can help you make a decision which car insurance policy is best. To find an auto insurance agency using an interactive map, click the button following the list.

Independent Insurance Agent
5165 S Eileen DrChandler, AZ 85248(480) 220-7233

Allstate Insurance: Joe Kennedy
2330 N Alma School Rd Ste 126Chandler, AZ 85224(480) 526-8277

Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150Chandler, AZ 85224(480) 237-2050

Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103Tempe, AZ 85284(480) 543-1797

Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1Chandler, AZ 85224(480) 892-4100

View more Chandler, AZ insurance agencies

How to find economical car insurance for state employees

Below you’ll find some of the better penny-pinching solutions that can help drivers buy cheap car insurance.

The final tip is extraordinarily necessary, as we emphasized in this article. Prices in Chandler fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Having a favorite company is fine, but it’s not a good idea if that loyalty ends up costing a small fortune. In just a couple of minutes you could compare prices to find cheaper insurance for state employees.