What Auto Insurance is Cheapest for Teenage Males in Chandler?

For teen boys, one of the more important things that are looked at to determine the price you pay for insurance is where you normally keep your vehicle in Chandler. More densely populated places tend to pay slightly more, whereas areas with less crime or weather claims have the benefit of cheaper auto insurance prices.

The information below lists the most expensive areas in Arizona for teenage males to purchase auto insurance in. Chandler is ranked at #14 costing $1,093 for the average policy, which is approximately $91 each month.

How much does car insurance cost in Chandler, AZ?
Rank City Average Per Year
1 Phoenix $1,218
2 Avondale $1,210
3 Glendale $1,178
4 San Tan Valley $1,150
5 Mesa $1,147
6 Buckeye $1,144
7 Peoria $1,137
8 Scottsdale $1,129
9 Tempe $1,118
10 Gilbert $1,108
11 Maricopa $1,107
12 Goodyear $1,098
13 Tucson $1,094
14 Chandler $1,093
15 Surprise $1,090
16 Casa Grande $1,089
17 Casas Adobes $1,050
18 Catalina Foothills $1,040
19 Oro Valley $1,020
20 Yuma $963
21 Flagstaff $941
22 Prescott $914
23 Bullhead City $878
24 Sierra Vista $863
25 Lake Havasu City $852
Get a Custom Quote Go

Information shown are comparative as the specific geographic location can impact prices noticeably.

Figuring out which companies quote the cheapest car insurance rates for teenage males will involve a tad more effort in order to find coverage that fits your budget. Each insurance company has their own guidelines to establish rates, so let’s take a look at the most affordable car insurance companies in Chandler, AZ.

Find the Best Cheap Insurance for Teens

Click to Compare Rates Now

Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $845
2 Auto-Owners $915
3 Safeco $932
4 USAA $1,113
5 Progressive $1,118
6 Travelers $1,119
7 GEICO $1,177
8 CSAA $1,177
9 Allied $1,197
10 Ameriprise Group $1,208
11 Farm Bureau Mutual $1,259
12 Safe Auto $1,297
13 Unitrin $1,317
14 State Farm $1,323
15 Farmers $1,337
16 Titan $1,418
17 Amica $1,473
18 American Family $1,478
19 MetLife $1,505
20 Safeway $1,554
Find Cheaper Rates Go

The Hartford offers some of the lowest car insurance rates in Chandler at around $845 a year. Auto-Owners, Safeco, USAA, and Progressive also rank well as some of the most economical Chandler, AZ insurance companies.

As shown in the rates above, if you currently buy coverage from Progressive and switched to Auto-Owners, you might see savings of upwards of $203. Policyholders with Travelers could save as much as $204 a year, and GEICO policyholders might realize rate reductions of up to $262 a year.

If you would like to find cheaper car insurance rates, click here to start your custom quote or feel free to get quotes from the companies below.

Understand that those policy prices are averages for all ages of drivers and types of vehicles and and are not figured with an exact zip code location for teenage males. So the car insurance company that is best for you may not even be in the list above. That points out the importance of why you need to compare rates from multiple companies using your own individual information.

The vehicle you are buying coverage for is one of the primary factors that determines whether or not you find the most affordable auto insurance for teenage males. Vehicles with high performance features, poor crash test ratings, or a track record of large liability claims will cost substantially more to insure than more economical and safe models. The table below illustrates insurance premiums for a handful of the cheaper vehicles to buy coverage for.

Cheapest Vehicles to Insure in Chandler, AZ
Make and Model Estimated Cost for Full Coverage
Ford Escape XLT 4WD $5,911
Honda CR-V EX-L 4WD $5,917
Hyundai Elantra SE Touring Station Wagon $6,271
Toyota Prius $6,326
Ford Explorer XLT 4WD $6,588
Volkswagen Jetta SE 2.5 Station Wagon $6,683
Ford Edge SEL 2WD $6,891
Chevrolet Impala LS $6,900
Toyota Tacoma Double Cab 4WD $6,948
Chevrolet Equinox LS 2WD $6,955
Toyota RAV4 Limited 4WD $6,948
Jeep Grand Cherokee Laredo 4WD $6,954
Chevrolet Malibu LT $7,002
Ford F-150 FX2 2WD $7,007
Dodge Grand Caravan Crew $7,002
Find Cheaper Rates Go

Data variables include single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in Chandler, AZ location which can alter insurance rates considerably.

Based on these rates, makes and models like the Ford Escape, Honda CR-V, and Hyundai Elantra are going to be a few of the less-costly vehicles to insure for teen boys. Rates will tend to be more expensive just due to the fact that there is a higher risk for teenage males, but overall those vehicles will tend to have the least expensive rates that you are likely to find.

Ending up with the top car insurance company is difficult considering how many different companies there are to choose from in Arizona. The information below can help you select which companies to look at comparing rates from.

The rankings below are only comprised of major nationwide insurance companies, so smaller companies are not included in the list. To compare price quotes from these and other top-rated companies, click this link.

Chandler, AZ Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Liability rates compared to full coverage

Paying less for car insurance should be important to the majority of drivers, and one common way to find cheap insurance for teenage males is to only pay for liability coverage. The chart below illustrates the comparison of annual premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Arizona. The premium estimates are based on no driving violations, no at-fault accidents, $1,000 deductibles, single marital status, and no discounts are factored in.

On average, comprehensive and collision coverage on your policy costs an extra $1,681 per year over and above liability coverage. A very common question is if you should buy full coverage at all. There isn’t a written rule to stop paying for comprehensive and collision coverage on your policy, but there is a general convention. If the annual cost of coverage is more than about 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your vehicle’s settlement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $5,000 after you pay the deductible. If premium cost is more than $500 a year for comprehensive and collision coverage, then it could be time to drop full coverage.

There are some scenarios where eliminating full coverage is not recommended. If you haven’t satisfied your loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the event your current vehicle is totaled, you should not buy liability only.

Low rates today, overpriced tomorrow

Chandler, AZ car insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Simply getting older, filing a claim, or getting into an accident can trigger price changes that can make some companies more affordable than others. And not only may your rating factors change, but car insurance companies file new rates multiple times each year in order to protect their financial rating. Higher than normal claim frequency or severity may cause high rates, while lower claim levels can cause cheaper Chandler car insurance rates.

For instance, the bar chart below demonstrates which company has the cheapest car insurance in Chandler, AZ for a 35-year-old female driver with a clear driving record, no claims, and solid credit. Based on her current rating profile, The Hartford might offer the cheapest car insurance rates in Chandler at $1,094 per year. This is $334 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also on the list of the cheapest Chandler, AZ auto insurance companies.

The example below compares rates after we give the driver in the first example an accident surcharge, bad credit, and a speeding citation. Due to the fact that every insurance company uses their own method to set their prices, analyzing rates may now show a slightly different list of affordable companies as shown below.

Ameriprise Group now has the cheapest insurance rate in Chandler, AZ with GEICO, CSAA, Allied, and Safeco now rounding out the top five. This demonstrates why drivers need to perform a complete rate comparison to get the most affordable insurance rates for teenage males.

Car insurance prices consist of many risk factors and can increase or decrease at any time, so the cheapest company the last time you compared rates may now be costing you a lot of money.

How to find the cheapest car insurance for teenage males

Here are some thrifty suggestions that can help Arizona drivers locate cheap coverage.

That last piece of advice is extraordinarily vital, as was emphasized in the prior article. Prices charged by companies change a lot, so drivers shouldn’t be resistant to buy from a different company if a lower-cost policy is available.

Brand loyalty is great, but it’s not a great idea if that loyalty results in overpaying a fortune every year. If you have a few minutes, compare rates and find cheaper car insurance for teenage males in Chandler.

If you have coverage questions and would like to get some professional input when comparing insurance rates for teen boys, the agents listed below can help you make a decision which policy fits your needs best. To find a Chandler insurance agency nearest to you, click the button link following the list.

More insurance agents in Chandler, AZ