For teen drivers, one of the more important components that help determine the cost of insurance is your address in Chandler. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims tend to receive slightly lower rates.
The illustration below lists the most expensive cities in Arizona for 17 year olds to buy auto insurance in. Chandler comes in at #11 costing $1,126 for the average insured, which is about $94 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | Avondale | $1,186 |
| 3 | Glendale | $1,178 |
| 4 | Buckeye | $1,156 |
| 5 | San Tan Valley | $1,150 |
| 6 | Mesa | $1,147 |
| 7 | Gilbert | $1,142 |
| 8 | Tempe | $1,140 |
| 9 | Peoria | $1,137 |
| 10 | Scottsdale | $1,129 |
| 11 | Chandler | $1,126 |
| 12 | Maricopa | $1,107 |
| 13 | Goodyear | $1,087 |
| 14 | Casas Adobes | $1,082 |
| 15 | Tucson | $1,061 |
| 16 | Surprise | $1,058 |
| 17 | Casa Grande | $1,047 |
| 18 | Catalina Foothills | $1,040 |
| 19 | Oro Valley | $1,031 |
| 20 | Flagstaff | $960 |
| 21 | Yuma | $954 |
| 22 | Prescott | $942 |
| 23 | Sierra Vista | $890 |
| 24 | Bullhead City | $869 |
| 25 | Lake Havasu City | $844 |
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Premium costs are estimated as the specific area where the vehicle is garaged can lower or raise premiums noticeably.
Finding out which insurers offer the lowest-priced auto insurance rates for 17 year olds will involve a little more sweat in order to find the best price. Every insurance provider uses their own formula for establishing rates, so we will examine the auto insurance companies that tend to have lower prices in Chandler.
It’s a good idea to be aware that Chandler auto insurance rates are impacted by many things that can increase your annual premium. Getting older, buying a different home, or getting a ticket for running a stop sign can trigger price changes that can make some companies cheaper than competitors.
Find Cheaper Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $915 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,336 |
| 13 | Farmers | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | State Farm | $1,377 |
| 16 | American Family | $1,435 |
| 17 | Amica | $1,473 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
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The Hartford normally has some of the cheapest car insurance rates in Chandler at around $845 each year. This is $583 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA also rank well as some of the cheapest Chandler, AZ insurance companies.
As shown above, if you have coverage with Safeco and switched to The Hartford, you could earn an annual savings of in the neighborhood of $51. Customers with Auto-Owners may save as much as $70 a year, and Travelers policyholders might cut rates by $241 a year.
To see if you’re overpaying, click here to get quotes or visit several of the following companies.
Remember that these rates are averaged across all drivers and vehicles and and are not figured with an exact zip code location for 17 year olds. So the insurer that is most affordable for your situation may not even be in the top 28 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver data and vehicle information.
The car, truck, or SUV you are insuring is one of the primary factors when comparison shopping for affordable auto insurance for 17 year olds. Vehicles with higher performance characteristics, a lack of modern safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models.
The table below ranks insurance premiums for some of the most budget-friendly vehicles to insure in Arizona.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $5,328 |
| Hyundai Elantra GLS Touring Station Wagon | $5,335 |
| Ford Escape XLS 4WD | $5,328 |
| Toyota Prius | $5,786 |
| Ford F-150 FX2 Super Cab 2WD | $5,973 |
| Ford Explorer XLT 4WD | $5,979 |
| Toyota Tacoma 4WD | $5,973 |
| Ford Edge SEL AWD | $6,265 |
| Ford Focus SE 4-Dr Sedan | $6,274 |
| Dodge Grand Caravan Hero | $6,320 |
| Jeep Grand Cherokee Laredo 4WD | $6,327 |
| Toyota RAV4 Limited 4WD | $6,320 |
| Chevrolet Malibu Hybrid | $6,329 |
| Chevrolet Equinox LS 2WD | $6,320 |
| Ford Fusion S 4-Dr Sedan | $6,329 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $6,605 |
| Honda Civic EX 4-Dr Sedan | $6,615 |
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Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in your specific Chandler, AZ location which can change coverage prices significantly.
Looking at the rates, vehicles like the Honda CR-V, Hyundai Elantra, and Ford Escape are most likely to be the cheaper vehicles to insure for teen drivers. The price for an auto insurance policy will tend to be more expensive just because there is more claim exposure for 17 year olds, but in general those vehicles will tend to have the cheapest rates compared to other types of vehicles.
Cost comparison with and without full coverage
Reducing the cost of auto insurance is the goal of most drivers, and one easy way to pay less for insurance for 17 year olds is to only buy liability insurance. The illustration below compares annual premium costs with and without full coverage. The prices are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are factored in.
If averaged out across all ages, full coverage on your policy costs $1,263 per year more than just buying liability only. Lot’s of drivers question if it’s a good idea to buy full coverage. There is no definitive guideline to drop full coverage, but there is a general convention. If the annual cost of your full coverage insurance is more than about 10% of the settlement you would receive from your company, then you might consider buying liability only.
There are some scenarios where only buying liability is not advised. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is totaled, you should keep full coverage.
Chandler auto insurance companies
Finding a high-quality company can be challenging considering how many different companies insure vehicles in Chandler. The information listed below can help you pick which car insurance companies to look at purchasing coverage from. The ratings below are for companies that insure vehicles across America, so smaller companies are not 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 |
| 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 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
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Chandler auto insurance rates are based on many factors that may substantially change the price of your policy. Simply improving your credit, buying a new vehicle, or getting a ticket for running a stop sign may cause policy rate changes that may make certain companies more affordable than competitors. Not only may things change on your end, but insurers change their prices multiple times each year in order to remain profitable. An unexpected high level of claims may cause higher prices, while a profitable period may result in lower-cost Chandler car insurance rates.
For example, the data below analyzes the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with no prior claims, no tickets, and a decent credit rating. When quoting prices based on her current situation, The Hartford might offer the most affordable car insurance rates in Chandler at $1,062 each year. This is $366 less than the average rate paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remainder of the best Chandler, AZ auto insurance companies.
In this next rate comparison, we will give the driver from the first rate comparison a claim, bad credit, and an imperfect driving record. Since each company has a proprietary formula for determining rates in each state, comparing quotes may result in a slightly different list of the cheapest car insurance companies in Chandler as shown below.
GEICO now has the best car insurance rate in Chandler with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual completing the list. This shows why Chandler drivers need to shop around with many companies when trying to find the most affordable insurance quotes for 17 year olds. Prices are made up of many different factors and can change substantially, so the most economical option the last time you compared rates may now be an over-priced policy.
Ideas for finding budget-friendly car insurance for 17 year olds
Below you’ll find some of the recommended penny-pinching suggestions that can help Chandler drivers locate cheaper coverage.
- Multi-policy discounts save money
- Pay for smaller claims out-of-pocket
- Safe vehicles generally have lower rates
- On older vehicles, drop full coverage
- Avoid getting citations and tickets
- Do not get into accidents that are your fault
- Ensure you have the best deal by shopping around regularly
That final tip is certainly valuable, as was stressed in the prior article. Prices charged by car insurance companies fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a lower-cost policy is available.
Having a favorite company is fine, but it’s not a great idea if it’s costing you a wad of cash every year. It takes less than five minutes to shop around to find cheaper car insurance for 17 year olds in Chandler.
The professional agents shown below are a good start to help you make a decision which coverages are best, as many consumers aren’t sure which coverage to buy and prefer to have a professional recommendation when comparing insurance rates for 17 year olds. It can be complicated to find the best coverage on your own, so a licensed agent can bring peace of mind knowing your coverage gives you enough coverage when you need it. To locate an agency close to where you live, click the link at the bottom.
- Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056 - Farmers Insurance – Delia Aguirre
813 W Elliot Rd #6 – Chandler, AZ 85225 – (480) 491-3232 - Allstate Insurance: Thomas Lane
1835 W Chandler Blvd Ste 201 – Chandler, AZ 85224 – (480) 857-1384 - Roger Morsch – State Farm Insurance Agent
2450 S Arizona Ave #6 – Chandler, AZ 85286 – (480) 855-4632