The type of vehicle you are trying to insure is probably the biggest factor that determines whether or not you find economical car insurance for used cars. Vehicles with higher performance, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The table below features insurance prices for a handful of the most affordable vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $1,377 |
| Honda Accord EX 4-Dr Sedan | $1,387 |
| Honda CR-V LX 4WD | $1,504 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,512 |
| Toyota Prius | $1,525 |
| Ford F-150 XLT Regular Cab 4WD | $1,544 |
| Ford Explorer XLT AWD | $1,551 |
| Ford Escape XLT 2WD | $1,557 |
| Toyota RAV4 Limited 4WD | $1,631 |
| Toyota Camry SE | $1,721 |
| Honda Odyssey EX-L W/Navigation | $1,730 |
| Ford Edge SE AWD | $1,747 |
| Toyota Tacoma 2WD | $1,757 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,750 |
| Jeep Grand Cherokee Laredo 2WD | $1,782 |
| Ford Focus S 4-Dr Sedan | $1,795 |
| Chevrolet Malibu LT | $1,877 |
| Dodge Grand Caravan Crew | $1,882 |
| Kia Optima LX | $1,906 |
| Chevrolet Equinox LTZ AWD | $1,916 |
| Toyota Corolla S | $1,919 |
| Chevrolet Impala LTZ | $1,929 |
| GMC Sierra 2500HD SLT Extended Cab 2WD | $1,951 |
| Start a Quote Go | |
Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Estimates do not factor in Chandler, AZ location which can increase or decrease auto insurance rates substantially.
Based upon these rates, you can expect cars like the Hyundai Elantra, Honda Accord, Honda CR-V, Jeep Wrangler, and Toyota Prius are a few of the cheaper vehicles to insure for pre-owned vehicles.
For pre-owned vehicles, one of the largest components that are used to help calculate insurance cost is where you live in Chandler. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents benefit from lower prices.
The next table rates the priciest cities in Arizona for used cars to purchase a policy in. Chandler is ranked #13 with a yearly premium of $1,115 for the average insured, which is approximately $93 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,226 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,147 |
| 7 | Buckeye | $1,144 |
| 8 | Gilbert | $1,142 |
| 9 | Tempe | $1,140 |
| 10 | Peoria | $1,137 |
| 11 | Goodyear | $1,131 |
| 12 | Maricopa | $1,118 |
| 13 | Chandler | $1,115 |
| 14 | Tucson | $1,094 |
| 15 | Surprise | $1,090 |
| 16 | Casas Adobes | $1,082 |
| 17 | Catalina Foothills | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
| Find Cheaper Insurance Go | ||
Annual rates are approximated as the specific garaging location can affect rates greatly.
Figuring out which insurers offer the best car insurance rates for used cars may require a tad more effort in order to find the best price. Each auto insurance company has a different process to establish rates, so let’s take a look at the lowest cost car insurance companies in Chandler.
It’s a good idea to be aware that Arizona car insurance rates are calculated based on many things which can substantially change the price of coverage. Simply getting older, getting married, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than competitors.
Lowest Insurance Price Quotes for Used Cars
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,177 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,364 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| Compare Rates Now Go | ||
The Hartford generally has some of the most affordable car insurance rates in Chandler at around $811 per year. This is $617 less than the average price paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the more affordable Chandler, AZ insurance companies.
In the above example, if you buy coverage from Auto-Owners and switched to The Hartford, you may realize a yearly price reduction of roughly $113. Drivers with Travelers might save as much as $297 a year, and USAA policyholders might reduce rates by $313 a year.
It’s important to note that these policy rates are averaged across all drivers and vehicles in Arizona and are not factoring in a specific location for used cars. So the auto insurance company that can offer the best rates for your situation may not even be in the list above. That point stresses why you need to get quotes using your own driver information and specific vehicle type.
How to find a good Chandler car insurance company
Choosing a highly-rated insurance provider can be difficult considering how many different companies there are to choose from in Chandler. The ranking information shown below could help you choose which auto insurers you want to consider comparing prices from. The ratings below only include 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 the list.
| 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 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Drive responsibly or pay higher rates
The easiest method to earn the best car insurance prices in Arizona for pre-owned vehicles is to be a cautious driver and avoid getting tickets or having accidents. The illustration below demonstrates how traffic citations and fender-benders influence insurance costs for different age groups. The information is based on a single male driver, full coverage, $100 deductibles, and no discounts are applied to the premium.
In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $1,722. Receive one speeding ticket and the average cost increases to $1,939, an increase of $217 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for used cars goes up to an average of $3,757. That’s an increase of $2,035, or $170 per month, just for not driving attentively!
The illustration below shows how different deductible levels can raise or lower annual premium costs when trying to find cheap insurance for used cars. The premiums assume a single male driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 30-year-old driver could lower their policy premium by $374 a year by increasing from a $100 deductible to a $500 deductible, or save $564 by changing to a $1,000 deductible. Younger drivers, like the 20-year-old category, could possibly save $1,114 each year by using higher deductibles when buying full coverage. When choosing a higher deductible, it will now be necessary to have plenty of discretionary funds to be able to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to find more affordable insurance for used cars
Here are a few money-saving suggestions that can help you locate more affordable coverage.
- Higher credit ratings may save you money
- Raise your deductibles
- Tickets and violations raise rates
- Drive a car with a high safety rating
- Remove physical damage coverage on older vehicles
- Maintain a safe distance and avoid accidents
- Comparison shop frequently
That last piece of advice is especially crucial, as was discussed in the article above. Insurance rates in Chandler can change considerably based on profitability, so don’t hesitate to buy from a different company if a more affordable rate is found.
Brand loyalty is great, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune. In less than five minutes you could compare prices to find cheaper auto insurance for used cars.