Who Has the Cheapest Chandler Car Insurance for Low Income Drivers?

The car, truck, or SUV you are seeking coverage for is a large consideration when comparing economical coverage for low income drivers. Vehicles with average performance, excellent safety ratings, or a low likelihood of having liability claims will cost significantly less to insure than high performance models. The data below illustrates car insurance premiums for a handful of the cheapest automobiles to insure.

Cheapest Vehicles to Insure in Chandler, AZ
Insured Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 4WD $1,225
Hyundai Elantra SE Touring Station Wagon $1,301
Honda CR-V LX 2WD $1,309
Toyota Prius $1,326
Chevrolet Impala LS $1,393
Toyota RAV4 Limited 4WD $1,420
Chevrolet Equinox LS AWD $1,428
Volkswagen Jetta S 2.5 Station Wagon $1,425
Toyota Tacoma 4WD $1,464
Ford Explorer XLT 4WD $1,470
Nissan Rogue SL 2WD $1,521
Nissan Altima Hybrid 4-Dr Sedan $1,527
Ford Edge SEL AWD $1,521
GMC Sierra SLT Extended Cab 4WD $1,528
Jeep Wrangler Sahara 4WD 2-Dr $1,523
Dodge Grand Caravan SE $1,533
Dodge Ram Crew Cab ST 4WD $1,545
Ford Focus SEL 4-Dr Sedan $1,607
Toyota Camry Hybrid $1,622
Honda Accord EX-L 2-Dr Coupe $1,629
Ford F-150 FX4 4WD $1,634
Toyota Corolla LE $1,637
GMC Sierra 3500HD SLT Crew Cab 2WD $1,651
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in zip code location which can affect coverage prices significantly.

Based upon the table data, makes and models like the Ford Escape, Hyundai Elantra, and Honda CR-V will definitely be the most affordable vehicles to insure for poor drivers.

For poor drivers, one of the big factors that help determine the price you pay for insurance is where you call home in Chandler. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas more rural areas benefit from lower prices.

The information below shows the most expensive cities in Arizona for low income drivers to purchase car insurance in. Chandler ranks #9 with an annual cost of $1,126 for the average insurance policy, which is around $94 per month.

Car insurance prices in Chandler
Rank City Premium Per Year
1 Phoenix $1,231
2 Glendale $1,214
3 San Tan Valley $1,196
4 Avondale $1,186
5 Scottsdale $1,151
6 Buckeye $1,144
7 Tempe $1,140
8 Peoria $1,137
9 Chandler $1,126
10 Goodyear $1,120
11 Gilbert $1,120
12 Maricopa $1,118
13 Mesa $1,113
14 Tucson $1,105
15 Casa Grande $1,089
16 Surprise $1,058
17 Oro Valley $1,051
18 Catalina Foothills $1,050
19 Casas Adobes $1,040
20 Flagstaff $969
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Premium costs are comparative as the vehicle garaging location can decrease or increase coverage rates considerably.

The information below illustrates how your choice of deductibles can influence yearly insurance costs when researching cheap insurance for low income drivers. The information is based on a single female driver, full physical damage coverage, and no discounts are applied.

As shown above, a 50-year-old driver could lower their policy premium by $330 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $500 by using a $1,000 deductible. Even younger insureds, like the 20-year-old, have the ability to save as much as $844 every year just by choosing higher deductibles.

When raising deductibles, it will be necessary to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

How to get discounts on Chandler car insurance

Discounts on insurance for low income driversInsurance companies that provide coverage for low income drivers may also give you policy discounts that can lower rates by as much as 30% if you meet eligibility requirements. Popular insurance companies and the discounts they provide can be found below.

The information below shows the difference between insurance prices with and without some available policy discounts. The premium estimates are based on a female driver, no violations or accidents, Arizona state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with multiple policy, multiple vehicle, passive restraint, defensive driving course, safe-driver, and vehicle safety discounts applied. When taking advantage of discounts, the average amount saved each year on insurance for low income drivers is 28% or $605.

Safe drivers pay less for insurance

The ideal way to obtain cheap insurance prices for poor drivers is to drive cautiously and have a clean driving record. The information below illustrates how violations and at-fault accidents can drive up annual premium costs for different age categories. The costs are based on a married female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.

In the example above, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,285. Factor in one speeding ticket and the average cost jumps to $1,502, an increase of $217 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of insurance for low income drivers increases to an average of $3,547. That’s an increase of $2,262, or $189 per month, just for not driving safely!

How to find cheaper insurance for low income drivers

It’s not impossible to find cheaper rates, and here are many money-saving suggestions that can help Chandler drivers find cheap coverage.

The last tip in the list is certainly crucial, as we discussed in this piece. Coverage rates in Chandler can change considerably in a year, so don’t be afraid to buy a policy from a new company if you find a cheaper price.

Many drivers prefer to stick with one company, but we do not recommend it if your bullheadedness ends up costing you hundreds every year. Now is a great time to shop around to find cheaper car insurance for low income drivers.