After getting a DUI, one of the big factors that help determine the amount you pay for auto insurance is where you normally keep your vehicle in Chandler. Areas with high crime rates or more dense population will most likely have higher rates, whereas areas with less people or fewer weather incidents have the benefit of cheaper car insurance.
The information below ranks the highest-priced areas in Arizona for drivers with a DUI to buy an auto insurance policy in. Chandler is ranked #9 costing $1,126 for the average policy, which is about $94 each month.
|4||San Tan Valley||$1,161|
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Prices are estimated as the vehicle garaging location can decrease or increase premiums substantially.
The type of vehicle that is being insured is one of the main factors in finding the most economical insurance for drivers with a DUI. Vehicles with lower performance, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The list below features insurance rates for a number of the cheapest vehicles to insure in Arizona.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Honda CR-V LX 2WD||$2,052|
|Honda Accord LX 4-Dr Sedan||$2,097|
|Ford Escape Limited 4WD||$2,274|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$2,301|
|Ford Explorer Limited 2WD||$2,316|
|Ford F-150 FX4 Super Cab 4WD||$2,325|
|Hyundai Elantra Blue 4-Dr Sedan||$2,361|
|Ford Focus SE 4-Dr Sedan||$2,382|
|Chevrolet Impala LS||$2,426|
|Ford Edge SE AWD||$2,432|
|Chevrolet Malibu LS||$2,429|
|Chevrolet Equinox LT 2WD||$2,434|
|Toyota RAV4 2WD||$2,429|
|Toyota Camry LE||$2,434|
|Nissan Rogue S 2WD||$2,434|
|GMC Sierra SLE Crew Cab 2WD||$2,445|
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Above prices assume single male driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in zip code location which can alter insurance rates greatly.
Looking at the rates, you can presume that models like the Honda CR-V, Honda Accord, Ford Escape, Jeep Wrangler, and Ford Explorer are most likely to be some of the more affordable vehicles to insure after getting a DUI. Auto insurance rates will trend higher because there is more exposure for drivers with a DUI, but in general those particular vehicles will tend to have the best rates compared to other types of vehicles.
Insurance rate increases from tickets or accidents
The easiest way to maintain the best auto insurance prices after getting a DUI is to be a safe driver and avoid getting tickets or having accidents. The chart below illustrates how traffic citations and at-fault fender-benders raise insurance prices for each different age category. The rates are based on a single male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.
The data in the chart shows the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,551. Add in one speeding ticket and the average cost hikes up to $1,747, an increase of $196 each year. Then add two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with a DUI increases to an average of $3,453. That’s an increase of $1,902, or $159 per month, just for not being a responsible driver!
Insuring your vehicle with the right auto insurance provider can be challenging considering how many companies sell insurance in Arizona. The ranking information in the lists below could help you select which car insurance providers you want to consider shopping your coverage with.
These rankings are only comprised of large, nationwide insurance companies, so smaller companies that only insure vehicles in Arizona are not factored into this list. If you’d like to compare prices and find the cheapest rates for drivers with a DUI, click here.
Top 10 Large Auto Insurers in Chandler Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Cost of full coverage
Finding the cheapest auto insurance should be important to the majority of vehicle owners, and one of the quickest ways to save on the cost of insurance for drivers with a DUI is to not pay for full coverage. The chart below shows the comparison of premium costs with full physical damage coverage and with liability coverage only. The premiums assume no violations or accidents, $1,000 deductibles, single status, and no other discounts are factored in.
If all age groups are averaged, physical damage insurance costs an additional $1,681 per year more than buying just liability insurance. Many people question when is it a good idea to stop buying full coverage. There is no clear-cut rule of when to stop paying for physical damage insurance, but there is a general guideline. If the yearly cost of comp and collision coverage is about 10% or more of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
There are some conditions where eliminating full coverage is not in your best interest. If you still have a loan on your vehicle, you have to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should keep full coverage.
The Chandler car insurance agencies listed below can probably provide answers to your questions and help you determine which coverages and limits you need, since many consumers aren’t sure which coverage to buy and prefer to have professional advice when shopping for cheaper insurance for drivers with a DUI. It’s not always easy to find the cheapest auto insurance company, and getting advice from a licensed agent can bring satisfaction knowing your coverage gives you adequate coverage if you have an accident or claim.
To find an auto insurance agency using an interactive map, click the button following the list.
American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479
Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100
State Farm: Randy Eller
7050 W Chandler Blvd – Chandler, AZ 85226 – (480) 961-4884
American Family Insurance – Craig Lloyd
1801 W Queen Creek Rd #1 – Chandler, AZ 85248 – (480) 899-8549