What is the Cheapest Car Insurance in Chandler, Arizona?

Finding dependable, cheap car insurance is hard enough, and figuring out which companies quote the cheapest car insurance rates in Chandler may require even more work. Every auto insurer uses their own calculation for establishing rates, so we’ll take a look at the car insurance companies that tend to be cheaper in Chandler.

We do need to point out that Arizona car insurance rates are calculated based on many things which can substantially change the cost of coverage. This price variation is why it is important to do a thorough rate comparison when trying to get the most budget-friendly auto insurance rates in Chandler. Rates consist of many different factors and can change without notice, so the most affordable company a year ago may now not even be in the top five.

Arizona car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $811
2 Safeco $905
3 Auto-Owners $924
4 Travelers $1,086
5 USAA $1,091
6 Progressive $1,164
7 GEICO $1,166
8 Ameriprise Group $1,184
9 Allied $1,197
10 CSAA $1,225
11 Farm Bureau Mutual $1,285
12 Unitrin $1,303
13 State Farm $1,323
14 Safe Auto $1,336
15 Farmers $1,337
16 American Family $1,420
17 Titan $1,461
18 Amica $1,487
19 Safeway $1,554
20 MetLife $1,567
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The Hartford has some of the best car insurance rates in Chandler at around $811 a year. Safeco, Auto-Owners, Travelers, and USAA also are some of the cheaper Chandler, AZ auto insurance companies.

As illustrated above, if you are a policyholder with Travelers and switched to The Hartford, you could realize an annual premium reduction of in the vicinity of $275. Policyholders with USAA might save as much as $280 a year, and Progressive insureds might lower prices by up to $353 a year.

Bear in mind that those policy rates are averages across all drivers and vehicles in Arizona and do not factor in an exact zip code location in Chandler. So the auto insurance company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own individual information.

For drivers in Chandler, one of the more important things that determine auto insurance rates is where you keep your vehicle in Chandler. Cities with larger populations tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The illustration below ranks the priciest cities in Arizona in which to purchase auto insurance. Chandler comes in at #15 with an annual premium of $1,082 for the average policy, which is approximately $90 monthly.

How much is car insurance in Chandler?
Rank City Annual Premium
1 Phoenix $1,268
2 Glendale $1,226
3 San Tan Valley $1,185
4 Avondale $1,174
5 Gilbert $1,154
6 Tempe $1,152
7 Mesa $1,147
8 Peoria $1,137
9 Scottsdale $1,129
10 Buckeye $1,110
11 Maricopa $1,107
12 Tucson $1,105
13 Casa Grande $1,089
14 Goodyear $1,087
15 Chandler $1,082
16 Catalina Foothills $1,050
17 Surprise $1,048
18 Casas Adobes $1,040
19 Oro Valley $1,020
20 Yuma $954
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Prices are approximated as specific location information can lower or raise premiums significantly.

The car, truck, or SUV that is being insured is one of the largest factors when comparing quotes for affordable coverage in Chandler. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost significantly more to insure than more modest models. The information below features insurance costs for a selection of the most economical automobiles to buy coverage for.

Cheapest Vehicles to Insure in Chandler, AZ
Insured Vehicle Estimated Cost for Full Coverage
Toyota Prius $1,495
Ford Escape Limited 2WD $1,508
Ford F-150 STX Regular Cab 4WD $1,513
Toyota Tacoma 4WD $1,522
Honda CR-V LX 4WD $1,523
Ford Edge SE AWD $1,568
Jeep Grand Cherokee Laredo 2WD $1,599
Chevrolet Equinox LS AWD $1,604
Chevrolet Malibu LS $1,599
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,644
Ford Explorer Eddie Bauer 2WD $1,652
Hyundai Elantra SE 4-Dr Sedan $1,683
Nissan Altima 2.5 S 4-Dr Sedan $1,691
Chevrolet Impala LT $1,748
Toyota Camry LE $1,756
Volkswagen Jetta SE 2.5 Station Wagon $1,769
Ford F-350 Super Cab Lariat 2WD $1,772
Dodge Grand Caravan Crew $1,782
Toyota RAV4 2WD $1,798
Honda Accord EX 2-Dr Coupe $1,803
Ford Focus SES 4-Dr Sedan $1,811
Dodge Ram 3500 Crew Cab Laramie 2WD $1,837
GMC Sierra 3500HD SLT Crew Cab 2WD $1,858
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium amounts do not factor in specific Chandler, AZ garaging location which can increase or decrease prices greatly.

By looking at the data, models like the Toyota Prius, Ford Escape, Ford F-150, and Toyota Tacoma will definitely be some of the most economical vehicles to insure for drivers in Chandler.

The example below demonstrates how deductibles can affect annual premium costs when trying to find cheap insurance in Chandler. The price estimates are based on a single female driver, full coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could cut expenses by $272 a year by switching from a $100 deductible to a $500 deductible, or save $410 by changing to a $1,000 deductible. Even younger insureds, such as the Age 20 example, could roll back prices up to $602 every year by choosing larger deductibles on their policy.

When raising deductibles, it will be necessary to have spare funds to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Price comparison of only insuring for liability

Buying cheaper insurance is the goal of the majority of drivers, and an effective way to buy cheap insurance in Chandler is to only buy liability coverage. The diagram below illustrates the difference between car insurance costs with and without full coverage. The rate quotes are based on no tickets, no at-fault accidents, $250 deductibles, marital status is single, and no discounts are taken into consideration.

Averaged for all ages 20 through 70, physical damage coverage on your policy costs an additional $1,745 per year more than carrying just liability coverage. Many of you may wonder if you should buy full coverage at all. There is no set rule that is best for determining when to drop physical damage insurance, but there is a guideline you can consider. If the annual cost of having full coverage is more than around 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.

How to get discounts on Chandler car insurance rates

Save on insurance for drivers in Chandler in ChandlerInsurance providers that offer coverage in Chandler may also provide premium discounts that could lower prices by as much as 40% or more if you meet specific criteria. A list of companies and the discounts they provide can be found below.

The illustration below compares yearly insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, comp and collision included, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with accident-free, defensive driving course, safe-driver, passive restraint, marriage, and multiple policy discounts applied. When discounts are factored in, theaverage amount saved on insurance in Chandler is 28% or $413.

If you wish to have the advice of a professional agent when buying car insurance in Chandler, the agents below are willing to help you determine which coverage meets your needs best. To locate a Chandler auto insurance agent closest to you, click the button at the bottom of the list or click here to compare rates now.

View map of Chandler, AZ insurance agents

How to find low-cost auto insurance in Chandler

Lowering your rates is not difficult, and here are some thrifty solutions that can help Chandler drivers locate lower-cost auto insurance.

That final tip is highly important, as we pointed out in the article above. Car insurance prices change frequently, so drivers shouldn’t hesitate to change to a new company if you can save money.

Being loyal to a particular company is commendable, but it’s not recommended if that stubbornness costs you money that could be going to better use. Now is a great time to compare prices and find cheaper car insurance in Chandler in Chandler.