Life would sure be easier if we could simply give you the name of the company that has the best car insurance rates in Arizona. That is not the case, however, as there are a whole bunch of unknown aspects like the number of miles you drive each year, whether or not you are currently insured, how well you maintain your credit, and if you have points on your license, that all go into determining the rate you pay. We will try to teach you about the best ways to pay less and educate you enough to have a good beginning to your quest for cheaper car insurance in Arizona.
Deciding which company has the cheapest insurance rates for good drivers will involve a little more work in order to find the best price. Each company has a unique approach for setting rates, so let’s look at the rankings for the insurance companies with the overall cheapest rates in Chandler.
Best Cheap Insurance Rates for Good Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,130 |
| 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 | $1,284 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,357 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,435 |
| 17 | Amica | $1,473 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,551 |
| 20 | Safeway | $1,554 |
| Find Cheaper Rates Go | ||
The Hartford normally has some of the best car insurance rates in Chandler at around $845 each year. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the lowest-priced Chandler, AZ insurance companies.
In this example, if you buy coverage from USAA and switched to Auto-Owners, you may see a yearly price reduction of in the neighborhood of $203. Policyholders with Progressive may save as much as $242 a year, and GEICO insureds might cut rates by $289 a year.
To see if you’re overpaying, click here to start a quote or quote prices from the following companies.
Bear in mind that those premium estimates are averages across all drivers and vehicles and are not factoring in an exact location for good drivers. So the auto insurance company that fits you best may not even be in the top 28 companies shown above. That points out the importance of why you need to quote rates from many companies using your own driver information and specific vehicle type.
The car, truck, or SUV you are trying to insure is one of the main factors when shopping around for economical car insurance for good drivers. Vehicles with reasonable performance levels, excellent safety ratings, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The table below shows coverage costs for the most budget-friendly automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $1,294 |
| Honda Accord LX 4-Dr Sedan | $1,300 |
| Hyundai Elantra GLS Touring Station Wagon | $1,294 |
| Toyota Prius | $1,435 |
| Honda CR-V EX-L 2WD | $1,448 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,458 |
| Ford Edge SEL AWD | $1,502 |
| Chevrolet Impala LT | $1,530 |
| Ford Fusion S 4-Dr Sedan | $1,540 |
| Ford Explorer Eddie Bauer AWD | $1,558 |
| Toyota Tacoma 4WD | $1,584 |
| Honda Odyssey EX-L W/Rear Entertainment | $1,612 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,640 |
| GMC Sierra SL Crew Cab 2WD | $1,647 |
| Jeep Grand Cherokee Limited 4WD | $1,640 |
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Information does not factor in specific garaging location which can alter coverage prices substantially.
Looking at the rates, we can conclude that makes and models like the Ford Escape, Honda Accord, and Hyundai Elantra are most likely going to be a few of the most affordable vehicles to insure for safe drivers.
Best insurance company in Chandler
Picking the best auto insurance provider is difficult considering how many choices you have in Chandler. The company ratings in the next section could help you analyze which coverage providers to look at comparing prices from. These rankings are only comprised of companies that write coverage in many states, so companies with more of a regional focus will not be included in these 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
Impact of citations and accidents on insurance rates
A great way to get affordable insurance rates for safe drivers is to drive cautiously and avoid accidents and keep your driving record clean. The chart below illustrates how speeding tickets and accidents can raise car insurance rates for different age groups. Data assumes a married female driver, full coverage, $500 deductibles, and no policy discounts are applied.
The data in the chart shows the average cost of auto insurance per year with a clean driving record and no accidents is $1,092. Receive two speeding tickets and the average cost hikes up to $1,544, an increase of $452 each year. Now get two accidents along with the two speeding tickets and the yearly cost of insurance for good drivers jumps again to an average of $3,313. That’s an increase of $2,221, or $185 per month, just for not being a responsible driver!
How to get discounts on Chandler auto insurance rates
Car insurance companies that offer cheap quotes for good drivers may have rate discounts that could reduce prices by 25% or more if you meet certain criteria. A list of insurance companies and a summarized list of policyholder discounts are included below.
- GEICO policyholders can earn discounts including anti-theft, federal employee, emergency military deployment, driver training, and defensive driver.
- MetLife has discounts for good driver, defensive driver, good student, accident-free, multi-policy, claim-free
- State Farm offers discounts for accident-free, Steer Clear safe driver discount, safe vehicle, Drive Safe & Save, and passive restraint.
- Progressive offers discounts including homeowner, online quote discount, multi-vehicle, good student, and online signing.
- Mercury Insurance may have discounts that include multi-car, good driver, location of vehicle, ease of repair, and type of vehicle.
- 21st Century discounts include anti-lock brakes, defensive driver, student driver, 55 and older, air bags, and theft prevention.
- Allstate has savings for new car, eSmart discount, good student, EZ pay plan discount, 55 and retired, and anti-lock brakes.
The chart below shows the difference between insurance prices with and without discounts applied to the policy rates. Data assumes a male driver, no claims, a clean driving record, Arizona state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, safe-driver, marriage, homeowner, defensive driving course, and multiple policy discounts applied. When discounts are factored in, the average savings per year on insurance for good drivers is 28% or $528.
Last year’s bargain might be this year’s rip off
Chandler insurance rates are determined by lots of factors which can substantially decrease or increase the price you have to pay. Simply having a birthday, getting married, or getting a ticket for running a stop sign can produce rate changes that can cause some rates to be affordable when they were higher priced. Not only that, but car insurance companies change the rates they charge in Arizona as often as every quarter in order to be able to pay unexpected claims. An extended period of higher than normal claims may result in higher rates, while lower claim expenses may result in cheaper Chandler car insurance rates.
For example, the data below shows which company has the cheapest car insurance in Chandler, AZ for a 45-year-old female driver with no accidents or violations, and great credit. If we look at prices based on her personal risk profile, The Hartford might quote the most affordable car insurance rates in Chandler at $1,040 per year. This is $388 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also on the list of the most affordable Chandler, AZ auto insurance companies.
Now we will give the driver in the first chart a claim surcharge, a lower credit rating, and a few traffic violations. Since each auto insurance company has a proprietary formula for determining prices, comparing insurance quotes most likely will result in a different ranking of the cheapest companies as shown below.
GEICO now has the best price on car insurance in Chandler with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual also having competitive pricing. This example demonstrates why it is critical to perform an extensive rate comparison when trying to find the most affordable auto insurance quotes for good drivers. Insurance prices can be altered by many risk factors and change dramatically, so the best price when you last compared rates may now not even be in the top five.