One of the many components that are looked at to help calculate the annual cost of car insurance is where your residence is. Areas with a lot of weather claims or more people tend to have higher auto insurance costs, whereas areas with less crime or weather claims benefit from having to pay less for coverage.
The illustration below lists the most costly cities in Arizona for college students to purchase auto insurance in. Chandler shows up at #11 with a yearly cost of $1,115 on average, which is around $93 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,226 |
| 3 | San Tan Valley | $1,196 |
| 4 | Avondale | $1,186 |
| 5 | Gilbert | $1,154 |
| 6 | Scottsdale | $1,151 |
| 7 | Buckeye | $1,144 |
| 8 | Peoria | $1,137 |
| 9 | Mesa | $1,125 |
| 10 | Tempe | $1,118 |
| 11 | Chandler | $1,115 |
| 12 | Goodyear | $1,098 |
| 13 | Casas Adobes | $1,082 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Maricopa | $1,074 |
| 16 | Tucson | $1,061 |
| 17 | Casa Grande | $1,057 |
| 18 | Surprise | $1,048 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $983 |
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Table data uses approximated as the specific geographic location can raise or lower price quotes greatly.
The vehicle model that needs insurance is one of the biggest factors that determines the availability of the most economical car insurance for college students. Vehicles with limited top-end speed, a plethora of safety features, or a low likelihood of liability claims will cost much less to insure than adrenaline junky models.
The next table showcases auto insurance costs for a handful of the cheapest automobiles to insure.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $2,983 |
| Honda CR-V EX 2WD | $2,989 |
| Volkswagen Jetta S 2.5 Station Wagon | $3,216 |
| Toyota Prius | $3,260 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $3,300 |
| Ford F-150 XLT Regular Cab 2WD | $3,310 |
| Honda Odyssey LX | $3,300 |
| Ford Explorer XLT 4WD | $3,342 |
| Ford Edge SE AWD | $3,490 |
| Ford Focus S 4-Dr Sedan | $3,496 |
| Toyota Tacoma 2WD | $3,490 |
| Honda Civic DX 4-Dr Sedan | $3,496 |
| Chevrolet Malibu LS | $3,533 |
| Nissan Altima 2.5 4-Dr Sedan | $3,540 |
| Chevrolet Silverado LT Extended Cab 4WD | $3,533 |
| Toyota RAV4 Limited 4WD | $3,540 |
| Dodge Grand Caravan SXT | $3,578 |
| Hyundai Elantra Blue 4-Dr Sedan | $3,681 |
| Toyota Corolla S | $3,723 |
| Toyota Camry SE | $3,728 |
| Chevrolet Impala LTZ | $3,723 |
| Jeep Grand Cherokee SRT-8 4WD | $3,768 |
| GMC Sierra SLE Regular Cab 4WD | $3,777 |
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Price data assumes single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific zip code location which can impact prices noticeably.
Looking at the numbers, you can figure that models like the Ford Escape, Honda CR-V, and Volkswagen Jetta will be a few of the cheapest vehicles to insure for students in college. The price for car insurance will trend higher just due to the fact that there is more liability risk for college students, but in general those particular vehicles will probably have the lowest insurance rates compared to other types of vehicles.
Comparing quotes for low-cost insurance is hard enough, and finding out which company has the best car insurance rates for college students will take a bit more work.
Every car insurance company has their own unique process for setting prices, so we need to take a look at the most competitive car insurance companies in Chandler. It’s a good idea to know that Chandler car insurance rates are based on many factors that will increase or decrease the price you have to pay. Simply having a birthday, buying another vehicle, or getting a ticket for running a stop sign can cause premium changes that can now make some companies cheaper than competitors.
Lowest Insurance Price Quotes for College Students
The Hartford may offer some of the lowest car insurance rates in Chandler at around $820 a year. This is $608 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are also some of the most economical Chandler, AZ car insurance companies.
As the example above demonstrates, if you are a policyholder with Safeco and switched to The Hartford, you could see annual savings of approximately $112. Customers with USAA could save as much as $260 a year, and Travelers customers might reduce prices by as much as $266 a year.
Bear in mind that those policy rates are averaged for all insureds and vehicles and do not take into consideration an exact location for college students. So the insurer that has the cheapest price for you may not even be in the top 28 companies in the list above. That point stresses why you need to compare rates from as many companies as possible using your own individual information.
Discounts on Chandler auto insurance rates
Insurance companies that offer coverage for college students may additionally offer policy discounts that could lower prices by as much as 30% if you meet specific criteria. A list of companies and a partial list of their discounts are included below.
- Progressive offers premium reductions for continuous coverage, good student, multi-vehicle, homeowner, multi-policy, and online quote discount.
- MetLife includes discounts for good driver, multi-policy, claim-free, accident-free, defensive driver, and good student.
- Mercury Insurance policyholders can earn discounts including ease of repair, anti-theft, professional/association, location of vehicle, type of vehicle, multi-car, and annual mileage.
- Nationwide discounts include good student, anti-theft, defensive driving, business or organization, and family plan.
- GEICO may offer discounts for air bags, anti-lock brakes, seat belt use, emergency military deployment, daytime running lights, federal employee, and multi-policy.
- AAA offers discounts for multi-policy, multi-car, pay-in-full, AAA membership discount, and anti-theft.
The illustration below illustrates the comparison of insurance costs with and without some available policy discounts. The rates are based on a female driver, no violations or accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paperless filing, vehicle safety, good student, paid-in-full, passive restraint, and continuous coverage discounts applied. With discounts applied, theamount saved on car insurance for college students is 21% or $316.
The illustration below highlights how deductible selection can influence insurance prices when getting quotes for cheap insurance for college students. The price estimates are based on a married female driver, full physical damage coverage, and no discounts are applied to the premium.
In the chart above, a 40-year-old driver could lower their car insurance rates by $206 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $310 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could lower their rates up to $508 each year by choosing a larger deductible amount.
When raising deductibles, it will be important to have enough savings to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
Arizona car insurance company ratings
Finding a high-quality auto insurance provider can be challenging considering how many choices drivers have in Arizona. The rank data in the next section could help you decide which auto insurers you want to consider comparing rate quotes with.
The ratings below only include companies that write coverage in many states, so companies that have a smaller presence are not included in the list. If you wish to compare prices from many more Arizona auto insurance companies, just click here.
Top 10 Major Auto Insurance Companies in Chandler Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
Top 10 Major Auto Insurance Companies in Chandler Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
How to find cheaper insurance for college students
The list below summarizes many penny-pinching suggestions that can help Chandler drivers locate cheap coverage.
- Lower rates by purchasing a safer vehicle
- Raise your physical damage coverage deductibles
- Improve your credit rating
- Serious violations like DUI or reckless driving can increase rates dramatically
- Accidents can significantly increase rates
- Compare rate quotes often
The final tip is remarkably necessary, as was affirmed in this article. Auto insurance prices fluctuate constantly, so you should be ready to buy from a different company if you can save money.
Many drivers prefer to stick with one company, but it’s not a good idea if it’s costing you a small fortune. Now is a great time to compare prices and find cheaper car insurance for college students in Chandler.