You have most likely seen the catchy advertisements from insurers like GEICO, Progressive, and Nationwide guaranteeing dirt cheap rates. So you just need to choose any of them, right?
It’s not that simple, unfortunately, as there are a lot of unknowns such as where you live, your credit score, and how much you actually drive in a year, that all impact the price you pay. The information below covers the different ways you can keep rates low and hopefully give you enough understanding to have a good start in finding the cheapest insurance in Chandler.
One of the many components that help determine auto insurance rates is where you keep your vehicle. Areas with increased crime or more people tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The information below rates the most expensive areas in Arizona for retired military in which to purchase auto insurance. Chandler ranks #7 with an annual cost of $1,126 for the average policyholder, which is around $94 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | San Tan Valley | $1,196 |
| 3 | Glendale | $1,190 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Buckeye | $1,144 |
| 7 | Chandler | $1,126 |
| 8 | Goodyear | $1,120 |
| 9 | Gilbert | $1,120 |
| 10 | Tempe | $1,118 |
| 11 | Mesa | $1,113 |
| 12 | Maricopa | $1,107 |
| 13 | Tucson | $1,094 |
| 14 | Peoria | $1,093 |
| 15 | Surprise | $1,090 |
| 16 | Casas Adobes | $1,082 |
| 17 | Casa Grande | $1,079 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $954 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $941 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $844 |
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Premium amounts are comparative as specific Chandler garaging address can increase or decrease insurance rates significantly.
Determining which companies offer the cheapest car insurance rates for retired military requires a bit more effort in order to find the best policy. Each company uses their own method to set their prices, so we’ll take a look at the most budget-friendly car insurance companies in Arizona.
Best Cheap Insurance Rates for Vets
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Safeco | $905 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,108 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,420 |
| 17 | Amica | $1,473 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,567 |
| 20 | California Casualty | $1,568 |
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The Hartford generally has some of the lowest car insurance rates in Chandler at around $820 annually. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the cheaper Chandler, AZ insurance companies.
In the rate table above, if you have coverage with USAA and switched to The Hartford, you might see annual savings of about $260. Insureds with Travelers might save as much as $288 a year, and Progressive customers might lower prices by up to $310 a year.
To find the cheapest coverage for you, click here or visit several of the following companies.
These premium estimates are averages for all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for retired military. So the company that has the cheapest rates for you may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own personal information and vehicle type.
Buying coverage from a good quality insurance provider can be a challenge considering how many companies sell insurance in Chandler. The company ratings in the next section can help you decide which car insurance companies to look at purchasing coverage from. The ratings below are only made up of companies with a national presence, so smaller companies are not taken into consideration for these rankings.
Top 10 Large Car Insurance Companies in Chandler Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Large Car Insurance Companies in Chandler Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Cautious drivers save money
The easiest way to enjoy the cheapest car insurance rates in Chandler for veterans is to be a good driver and avoid accidents and traffic violations. The diagram below shows how violations and at-fault collisions can influence insurance costs for different ages of insureds. The data is based on a married male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.
The data above shows the average cost of car insurance per year with no accidents or violations is $1,349. Get written up for one speeding ticket and the average cost swells to $1,547, an increase of $198 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for retired military goes up to an average of $3,268. That’s an increase of $1,919, or $160 per month, just for not driving attentively!
Why you should be shopping around
Chandler, AZ car insurance rates are influenced by many factors that will increase or decrease the policy premium. Simply turning a year older, buying a home instead of renting, or getting caught speeding can cause premium changes resulting in some companies being cheaper in comparison to the competition. Not only may things change on your end, but car insurance companies change rates without warning to adjust for unexpected claims or profits. Higher than normal claim frequency or severity can cause rate hikes, while a lower level of claims can result in cheaper Chandler car insurance rates.
The graph below analyzes the cheapest car insurance in Chandler, AZ for a 40-year-old female driver with no violations or accidents, and good financial standing. If we compare prices based on her personal risk profile, The Hartford has the most affordable car insurance rates in Chandler at $1,083 annually. This is $345 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also make the list of the most affordable Chandler, AZ auto insurance companies.
Let’s now give the driver from the above example an at-fault accident, a little lower credit rating, and a speeding citation. Due to the fact that every insurance company has a different process for determining rates in each state, analyzing rates may now show a completely different list of the cheapest companies as shown below.
GEICO now has the best car insurance rate in Chandler, AZ with CSAA, Ameriprise Group, Auto-Owners, and Allied now being in the top five. This example proves why consumers need to compare as many rates as possible to get the cheapest auto insurance quotes for retired military. Auto insurance prices are calculated by many factors and can change substantially, so the cheapest option the last time you checked may now be an over-priced policy.