You have seen the commercials from auto insurance companies like GEICO and Farmers guaranteeing huge savings, so you should just pick the company with the best ad, right?
It’s just not that simple, as there are many unknown factors like your credit rating, whether or not you own a home, whether or not you are currently insured, and whether you are single or married, that all influence how much you pay for auto insurance. This article delves into these types of topics and will hopefully give you a good start to your coverage search.
The make and model of vehicle you are trying to insure is probably the most important factor that determines if you can find the most economical auto insurance for inexperienced drivers. Vehicles with limited top-end speed, modern passenger safety features, or a positive history of liability claims will cost less to insure than high performance models.
The information below features insurance costs for a handful of the more affordable vehicles to insure.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Chevrolet Silverado LS Regular Cab 4WD | $1,421 |
| Toyota Prius | $1,432 |
| Honda Accord LX-P 4-Dr Sedan | $1,483 |
| Chevrolet Impala LS | $1,501 |
| Honda CR-V EX-L 4WD | $1,517 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,558 |
| Ford Escape XLT 2WD | $1,592 |
| Toyota Corolla S | $1,612 |
| Honda Odyssey EX-L W/Navigation | $1,619 |
| Hyundai Elantra SE 4-Dr Sedan | $1,612 |
| Chevrolet Malibu LTZ | $1,641 |
| Jeep Grand Cherokee Limited 2WD | $1,651 |
| Kia Optima LX | $1,646 |
| Volkswagen Jetta 2.0T Station Wagon | $1,734 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,755 |
| Toyota RAV4 Limited 4WD | $1,760 |
| Chevrolet Equinox LS 2WD | $1,767 |
| Ford F-350 Crew Cab Lariat Turbo Diesel 2WD | $1,780 |
| Ford Focus S 4-Dr Sedan | $1,842 |
| Honda Civic DX 4-Dr Sedan | $1,849 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in specific location which can increase or decrease coverage rates substantially.
Looking at the numbers, you can assume that cars like the Chevrolet Silverado, Toyota Prius, and Honda Accord are likely to be a few of the most affordable vehicles to insure for new drivers.
For new drivers, one of the more important components that determine the annual cost of car insurance is where you keep your vehicle. Larger areas tend to have more expensive auto insurance rates, whereas areas with less people or fewer weather incidents have the luxury of cheap car insurance rates.
The following table sorts the most expensive places in Arizona for inexperienced drivers to purchase car insurance in. Chandler comes in at #14 with an annual rate of $1,082 for car insurance, which is approximately $90 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Phoenix | $1,218 |
| 3 | Avondale | $1,186 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Mesa | $1,159 |
| 7 | Gilbert | $1,154 |
| 8 | Peoria | $1,126 |
| 9 | Goodyear | $1,120 |
| 10 | Maricopa | $1,118 |
| 11 | Buckeye | $1,110 |
| 12 | Tempe | $1,106 |
| 13 | Tucson | $1,105 |
| 14 | Chandler | $1,082 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Surprise | $1,058 |
| 17 | Oro Valley | $1,051 |
| 18 | Casa Grande | $1,047 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $983 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $931 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $844 |
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Information shown are approximated as the specific Chandler residence address can change price quotes substantially.
Finding reliable, cheap car insurance is not always easy, and deciding which companies have the best car insurance rates for inexperienced drivers will involve even more work. Every insurance provider has their own guidelines to establish rates, so we’ll take a look at the most competitive car insurance companies in Chandler, AZ.
It’s important that readers know that Chandler car insurance rates are determined by lots of factors which can substantially change the price you pay. Price variation is why it is critical to compare lots of rates to get the best insurance quotes for inexperienced drivers. Prices can be determined by many factors and change substantially, so the best option a year ago may now be quite expensive.
Find Cheaper Auto Insurance for Newbies
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $905 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,091 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,208 |
| 10 | Allied | $1,209 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,336 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,378 |
| 16 | Amica | $1,443 |
| 17 | Titan | $1,476 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,552 |
| 20 | MetLife | $1,567 |
| Find Your Rate Go | ||
The Hartford has some of the cheapest car insurance rates in Chandler at around $811 per year. This is $617 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also qualify as some of the more affordable Chandler, AZ auto insurance companies.
As the rates illustrate above, if you currently have coverage with Travelers and switched to The Hartford, you might see an annual savings of upwards of $275. Drivers with USAA may save as much as $280 a year, and Progressive insureds might see rate reductions of $319 a year.
It’s important to note that these estimates are averages for all ages of drivers and types of vehicles and do not factor in an exact location for inexperienced drivers. So the insurer that is best for you may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own individual information.
Best car insurance in Arizona
Selecting a good quality insurance provider is difficult considering how many different insurance companies sell coverage in Arizona. The company rank data shown below may help you decide which car insurance companies to look at comparing rate quotes with. These ratings include the largest companies in America, so companies that only write business in Arizona or surrounding areas are not taken into consideration for 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The example below illustrates how choosing a deductible can influence annual premium costs when searching for cheap insurance for inexperienced drivers. The prices are based on a married female driver, full physical damage coverage, and no additional discounts are factored in.
A 30-year-old driver could cut expenses by $236 a year by switching from a $100 deductible to a $500 deductible, or save $358 by selecting a $1,000 deductible. Younger drivers, like the Age 20 chart data, could potentially save up to $508 annually just by using higher deductibles.
If you make the decision to raise deductibles, it is important to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Get discounts on Chandler auto insurance
Insurance providers that sell policies for inexperienced drivers may also give you discounts that could reduce prices by 30% or more if you meet specific eligibility requirements. Popular car insurance companies and some of the premium reductions they offer can be read below.
- GEICO may have discounts that include military active duty, emergency military deployment, driver training, seat belt use, membership and employees, multi-policy, and good student.
- USAA discounts include loyalty savings, multi-policy, annual mileage, family discount, and good student.
- Progressive offers discounts including homeowner, good student, multi-policy, multi-vehicle, continuous coverage, and online signing.
- American Family offers premium reductions for mySafetyValet, good driver, defensive driver, accident-free, bundled insurance, multi-vehicle, and Steer into Savings.
- Esurance has savings for anti-lock brakes, emergency road assistance, claim free, multi-policy, renters, safety device, and Pac-12 alumni.
- Farmers Insurance may include discounts for mature driver, youthful driver, business and professional, switch companies, electronic funds transfer, multi-car, and early shopping.
- State Farm includes discounts for good student, multiple autos, anti-theft, passive restraint, good driver, defensive driving training, and accident-free.
The information below shows the difference between auto insurance costs with and without some available policy discounts. Data assumes a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with homeowner, anti-theft, multiple policy, safe-driver, marriage, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theamount saved on car insurance for inexperienced drivers is 28% or $372.