Who Has Cheap Car Insurance Rates for Drivers with Accidents in Chandler?

The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, specifically when looking for the best coverage prices for drivers with accidents. Because it’s not cheap, let’s start the ball rolling by going over a few of the factors that can significantly affect car insurance prices, and find a few ways to shave a little off the next policy you buy.

Finding decent, cost effective insurance is hard enough, and figuring out which insurers offer the cheapest car insurance rates for drivers with accidents may require even more rate comparisons. Each insurance company has their own formula to establish rates, so we’ll take a look at the most affordable car insurance companies in Chandler, AZ.

Keep in mind that Chandler, AZ car insurance rates are based on many factors that control the policy premium. Improving your financial situation, buying a higher-value vehicle, or having a fender bender may cause policy rate changes resulting in some rates now being more affordable than before.

Best Car Insurance Prices for Accident Prone Drivers

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Cheapest insurance companies in Arizona
Rank Company Cost Per Year
1 The Hartford $811
2 Auto-Owners $888
3 Safeco $896
4 USAA $1,091
5 Travelers $1,119
6 GEICO $1,142
7 Progressive $1,164
8 CSAA $1,189
9 Ameriprise Group $1,208
10 Allied $1,209
11 Farm Bureau Mutual $1,297
12 Unitrin $1,303
13 Safe Auto $1,336
14 State Farm $1,337
15 Farmers $1,378
16 American Family $1,463
17 Amica $1,473
18 Titan $1,476
19 California Casualty $1,506
20 MetLife $1,567
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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 policy premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also rank well as some of the cheaper Chandler, AZ insurance companies.

As shown in the rates above, if you currently have a policy with Travelers and switched to Auto-Owners, you might see yearly savings of about $231. Drivers with GEICO may save as much as $254 a year, and Progressive insureds might cut rates by $276 a year.

To find the cheapest coverage for you, click here to begin a quote or click through to the companies below.

Be aware that those estimates are averaged across all types of insureds and vehicles and do not take into consideration an exact vehicle garaging location for drivers with accidents. So the car insurance company that is best suited for you may not even be in the list above. That helps illustrate why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

For drivers with at-fault accidents, one of the big considerations that are looked at to determine the price you pay for insurance is your address in Chandler. Areas with a lot of weather claims or more people likely pay more, whereas areas with less congestion profit from lower rates.

The illustration below lists the most expensive places in Arizona for drivers with accidents to purchase auto insurance in. Chandler ranks #15 with an annual premium of $1,082 for the average insured, which is approximately $90 monthly.

How much does auto insurance cost in Chandler?
Rank City Average Per Year
1 Phoenix $1,255
2 Glendale $1,190
3 Avondale $1,186
4 Buckeye $1,156
5 Gilbert $1,154
6 San Tan Valley $1,150
7 Mesa $1,147
8 Tempe $1,140
9 Goodyear $1,120
10 Maricopa $1,118
11 Scottsdale $1,117
12 Peoria $1,104
13 Surprise $1,090
14 Casa Grande $1,089
15 Chandler $1,082
16 Tucson $1,072
17 Casas Adobes $1,050
18 Catalina Foothills $1,040
19 Oro Valley $1,031
20 Yuma $983
21 Flagstaff $960
22 Prescott $924
23 Bullhead City $878
24 Lake Havasu City $870
25 Sierra Vista $863
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Premium costs are comparative as the vehicle garaging location can revise premiums significantly.

Accidents and violations increase rates

The common sense way to receive good car insurance prices for drivers with at-fault accidents is to be a safe driver and avoid accidents and traffic citations. The illustration below highlights how speeding tickets and at-fault accidents drive up premium costs for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the previous chart, the average cost of car insurance in Arizona per year with a clean driving record and no accidents is $1,426. Factor in two speeding tickets and the average cost jumps to $1,959, an increase of $533 each year. Next add one accident along with the two speeding tickets and the annual cost of car insurance for drivers with accidents jumps again to an average of $2,510. That’s an increase of $1,084, or $90 per month, just for being a careless driver!

Discount Chandler car insurance

Car insurance for drivers with at-fault accidents in Chandler, AZInsurers that provide coverage for drivers with accidents may also give you special discounts that can lower rates by as much as 25% or more if you are eligible to receive them. A list of car insurance companies and some of their more popular discounts include:

The chart below illustrates the difference between yearly insurance costs with and without discounts. The rates are based on a female driver, no violations and two at-fault accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, marriage, multiple vehicle, continuous coverage, anti-theft, and paperless filing discounts applied. When drivers qualify for the discounts, the average savings per year on car insurance for drivers with accidents is 28% or $927.

How to find more affordable insurance for drivers with accidents

Below you’ll find some of the better penny-pinching ideas that can help drivers buy cheaper coverage.

That last tip is particularly significant, as was stressed in this write-up. Insurance prices can change in a short period of time, so don’t be hesitant to buy a policy from a new company if a better deal can be had. Having a favorite company is great, but it’s not recommended if it’s costing you lots of money. Spend a few minutes and compare rates to find cheaper insurance for drivers with accidents in Chandler.