What Auto Insurance is Cheapest for Government Employees in Chandler?

The type of vehicle requiring coverage is one of the largest considerations that determines whether or not you find economical auto insurance for government employees. Vehicles with lots of horsepower, a lack of safety features, or a high likelihood of having liability claims will cost significantly more to insure than safer models. The next list features insurance costs for a number of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Chandler, AZ
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,277
Dodge Grand Caravan SE $1,429
Ford Escape XLS 2WD $1,465
Ford Explorer Limited 2WD $1,536
Chevrolet Malibu LT $1,544
Honda CR-V LX 4WD $1,567
Chevrolet Impala LTZ $1,588
Nissan Altima 2.5 S 4-Dr Sedan $1,595
Jeep Grand Cherokee Limited 4WD $1,616
Ford Fusion SEL 4-Dr Sedan $1,622
Toyota Prius $1,618
GMC Sierra 3500HD SLE Extended Cab 2WD $1,647
Ford F-150 STX Super Cab 4WD $1,672
Chevrolet Equinox LT 2WD $1,729
Toyota RAV4 Sport 4WD $1,737
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,752
Toyota Tacoma Double Cab 4WD $1,762
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,806
Ford Edge SE AWD $1,816
GMC Sierra SLE Crew Cab 2WD $1,854
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Premium amounts do not factor in specific Chandler, AZ garaging location which can modify coverage prices greatly.

Based upon the table data, we can conclude that vehicles like the Honda Accord, Dodge Grand Caravan, Ford Escape, and Ford Explorer will definitely be a few of the cheaper vehicles to insure for state and federal workers.

For state and federal workers, one of the largest components that are looked at to help calculate the cost of insurance is where you keep your vehicle in Chandler. Areas with more people or higher crime rates likely pay more, whereas areas with less people or fewer weather incidents benefit from having to pay less for coverage.

The table below shows the most costly cities in Arizona for government employees to buy auto insurance in. Chandler is listed at #13 with an annual rate of $1,082 for the average insurance policy, which is around $90 each month.

How much does car insurance cost in Chandler, AZ?
Rank City Annual Rate
1 Glendale $1,226
2 Phoenix $1,218
3 San Tan Valley $1,196
4 Avondale $1,174
5 Scottsdale $1,163
6 Mesa $1,159
7 Tempe $1,140
8 Buckeye $1,110
9 Gilbert $1,108
10 Maricopa $1,107
11 Peoria $1,104
12 Goodyear $1,087
13 Chandler $1,082
14 Casas Adobes $1,072
15 Tucson $1,061
16 Casa Grande $1,057
17 Oro Valley $1,051
18 Catalina Foothills $1,050
19 Surprise $1,048
20 Yuma $954
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Prices are approximated as specific Chandler zip code can alter auto insurance rates significantly.

Rate comparison of full coverage and liability-only

Saving on insurance is probably important to most vehicle owners, and one of the easiest ways to buy cheap insurance for government employees is to buy liability only. The example below illustrates the comparison of auto insurance rates with full physical damage coverage and with liability coverage only. The rates are based on no claims or driving violations, $100 deductibles, drivers are single, and no additional discounts are factored in.

On average, full coverage on your policy costs $1,722 per year more than just buying liability insurance. Many drivers will wonder if buying full coverage is a good investment. There is no exact formula to stop buying physical damage coverage on your policy, but there is a general school of thought. If the yearly cost for physical damage coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

For example, let’s say your vehicle’s claim settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after the policy deductible has been paid. If premium cost is more than $700 annually to have full coverage, the it may be a good time to stop paying for full coverage.

Finding the top company can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking data shown next could help you pick which auto insurers to look at buying from.

These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Arizona business will not be included in this list. If you would like to check rates from many more Arizona auto insurance companies, just click here.

Top 10 Large Auto Insurance Providers in Chandler Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

Top 10 Large Auto Insurance Providers 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%

Low rates can quickly become overpriced

Chandler insurance rates are based on many factors which can substantially decrease or increase the price you pay for coverage. Simply having a birthday, filing a claim, or having an at-fault accident can cause premium changes that can make some companies cheaper than others.

Not only may your situation change, but insurance companies change the rates they charge in Arizona as often as every three months in order to maintain liquidity for claims. Significantly higher claims may result in a rate increase, while profitable underwriting can cause cheaper Chandler car insurance rates.

To help illustrate this point, the graph below compares the cheapest car insurance in Chandler, AZ for a 35-year-old male driver with a clean driving record, no accidents, and great credit. If we compare prices based on his personal risk profile, The Hartford quotes the best car insurance rates in Chandler at $1,072 annually. This is $356 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the rest of the best Chandler, AZ auto insurance companies.

In this next rate comparison, we will give the driver from the first example a couple of claims, poor credit, and a couple of points charged on his driving record. Since each insurance company has a different formula for determining prices, analyzing rate quotes most likely will result in a different set of companies as shown below.

Progressive now has the cheapest auto insurance in Chandler with Ameriprise Group, CSAA, Safeco, and Auto-Owners completing the list. This example shows why it is so important to compare many different companies when trying to get affordable insurance quotes for government employees. Insurance rates are determined by many risk factors and can increase or decrease at any time, so the most economical company when you last compared rates may now not even be in the top five.