Wouldn’t it be perfect if we knew the one company that has the best auto insurance prices for uninsured drivers? It’s not quite that easy, unfortunately, as there are a ton of unknown elements like your marital status, how old you are, if full coverage is needed, and how far you drive each year, that all have an effect on the price. The information below will cover these factors and others that can influence the price of auto insurance and will hopefully give you a jump start in finding the best auto insurance in Arizona.
For drivers with no prior coverage, one of the big components that are looked at to determine the annual cost of car insurance is where you live in Chandler. Areas with high crime rates or more dense population are more likely to have higher rates, whereas areas with less congestion benefit from lower coverage costs.
The table below rates the most expensive areas in Arizona for uninsured drivers to buy an auto insurance policy in. Chandler ranks #14 with an annual premium of $1,082 for car insurance, which is around $90 per month.
|5||San Tan Valley||$1,150|
|25||Lake Havasu City||$878|
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Price information shown is approximated as vehicle location can impact rates considerably.
The car, truck, or SUV you are buying coverage for is a large consideration when comparing cheaper insurance for uninsured drivers. Vehicles with limited top-end speed, good safety features, or a low likelihood of liability claims will cost substantially less to insure than adrenaline junky models. The table below ranks car insurance premiums for a number of the most economical vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape XLT 2WD||$1,219|
|Honda Accord LX-P 4-Dr Sedan||$1,228|
|Honda CR-V EX-L 4WD||$1,246|
|Ford Focus S 4-Dr Sedan||$1,413|
|Honda Civic DX 4-Dr Sedan||$1,419|
|Chevrolet Malibu LS||$1,440|
|Toyota RAV4 Limited 4WD||$1,445|
|Jeep Wrangler Sport Islander Package 4WD 2-Dr||$1,460|
|Dodge Grand Caravan SXT||$1,468|
|Ford F-150 XL Crew Cab 2WD||$1,490|
|Hyundai Elantra Blue 4-Dr Sedan||$1,492|
|Honda Odyssey EX-L||$1,520|
|Chevrolet Silverado LT Regular Cab||$1,542|
|Toyota Corolla XRS||$1,547|
|GMC Sierra 2500HD SLE Crew Cab 4WD||$1,556|
|Chevrolet Silverado 2500HD LTZ Crew Cab 4WD||$1,547|
|Ford Fusion S 4-Dr Sedan||$1,577|
|Jeep Grand Cherokee Laredo 2WD||$1,582|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$1,609|
|Nissan Altima 2.5 4-Dr Sedan||$1,624|
|Ford Explorer Limited 4WD||$1,662|
|Toyota Tacoma X-Runner 2WD||$1,664|
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Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Information does not factor in vehicle location which can lower or raise premiums considerably.
Looking at the numbers, we can conclude that makes and models like the Ford Escape, Honda Accord, and Honda CR-V are most likely going to be some of the cheapest vehicles to insure for drivers with no prior coverage.
Shopping around for cheap insurance is not easy, and finding out which companies have the cheapest auto insurance rates for uninsured drivers takes even more rate comparisons.
Each auto insurance company has their own unique process to determine premium rates, so first we will examine the auto insurance companies with the most affordable rates in Arizona. Keep in mind that Chandler, AZ auto insurance rates are calculated based on many things that may substantially change the cost of coverage. Getting older, getting divorced, or getting a speeding ticket can cause premium changes resulting in some companies being much higher than others.
Lowest Insurance Price Quotes in Arizona
|Rank||Company||Cost Per Year|
|11||Farm Bureau Mutual||$1,259|
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The Hartford has some of the best car insurance rates in Chandler at around $836 annually. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the more affordable Chandler, AZ car insurance companies.
As shown in the rates above, if you currently buy coverage from Travelers and switched to Auto-Owners, you might see an annual premium reduction of roughly $189. Arizona drivers with USAA might save as much as $216 a year, and Progressive insureds might lower prices by up to $233 a year.
To find cheaper insurance rates for your vehicle, click here to start a quote or quote rates from the companies below.
These prices are averages for all drivers and vehicles in Arizona and do not take into consideration a specific vehicle garaging location for uninsured drivers. So the auto insurance company that fits your age and vehicle best may not even be in the top 28 companies in the list above. That emphasizes why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.
The illustration below demonstrates how deductible levels can increase or decrease premium costs when quoting cheap insurance for uninsured drivers. The premiums are based on a married female driver, full physical damage coverage, and no discounts are applied.
The data above shows that a 40-year-old driver could lower their car insurance rates by $246 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $370 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could shave up to $606 or more just by choosing higher deductibles.
If you do make the decision to raise your deductibles, it will be important to have additional savings on hand to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Selecting the best insurance provider can be difficult considering how many different companies there are to choose from in Chandler. The company information in the lists below can help you decide which providers you want to consider shopping your coverage with. These ratings are for companies who write in the majority of U.S. states, so smaller regional companies are not included in this list.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability-only in Chandler
Saving money on auto insurance is important to most people, and one way to buy cheaper insurance for uninsured drivers is to only buy liability coverage. The diagram below visualizes the comparison of insurance costs with liability coverage only compared to full coverage. Data assumes a clean driving record, no claims, $500 deductibles, marital status is single, and no discounts are factored in.
On average, full coverage on your policy costs an extra $1,551 per year more than carrying just liability coverage. Lot’s of drivers question if buying full coverage is worth the expense. There is no definitive formula for eliminating physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is more than around 10% of the replacement cost minus the deductible, the it may be a good time to stop paying for full coverage.
For example, let’s pretend your vehicle’s replacement value is $4,500 and you have $1,000 full coverage deductibles. If your vehicle is totaled, the most you would receive is $3,500 after paying the physical damage deductible. If you are paying over $350 annually for your policy with full coverage, then it may be the right time to buy liability only.
The insurance agencies below can answer your questions and help you decide which auto insurance policy fits you best, since some drivers wish to have some professional guidance when trying to find the best insurance rates for uninsured drivers. It can be difficult to find the cheapest rates, so getting advice from a licensed agent can add comfort knowing you have sufficient protection if you have a claim. To find an agent nearest to you, click the button following the list or click here to compare price quotes.
Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100
Legacy Insurance and Investment Group LLC
633 E Ray Rd #106 – Chandler, AZ 85225 – (480) 968-3655
American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479
State Farm: Tara Poaletti
300 N Gila Springs Blvd #150 – Chandler, AZ 85226 – (480) 659-5263
Farmers Insurance – Alan Beyerle
1820 E Ray Rd a213 – Chandler, AZ 85225 – (480) 820-2797
How to find more affordable insurance for uninsured drivers
The list below summarizes some money-saving suggestions that can help drivers get cheap car insurance.
- Avoid preventable accidents
- Choose a safer vehicle and pay lower rates
- Do not pay for full coverage on older vehicles
- Having too many claims will increase rates substantially
- Be a cautious driver
- Bundle car and home insurance and save money
- Compare rates once a year for cheaper prices
The last idea is particularly necessary, as we noted in this article. Auto insurance prices in Chandler can change considerably in a year, so don’t be tentative to switch to a new company if you find a cheaper price. Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you a wad of cash every year. In just a few minutes you could compare rates and find cheaper car insurance for uninsured drivers.