The words “cheap” and “auto insurance” really don’t belong together, in particular when comparison shopping for the best car insurance for welfare recipients. Because it’s so expensive, let’s introduce you to some of the things that determine car insurance premiums, and figure out some ways to shave a little off the next policy you buy.
One of the many considerations that are looked at to help calculate the amount you pay each year for auto insurance is where you call home in Chandler. More populated areas likely pay more, whereas more rural areas profit from lower rates.
The information below rates the highest-priced places in Arizona for welfare recipients to buy an auto insurance policy in. Chandler is ranked #8 with the yearly price of $1,126 on average, which is approximately $94 per month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,185 |
| 5 | Buckeye | $1,144 |
| 6 | Tempe | $1,140 |
| 7 | Peoria | $1,137 |
| 8 | Chandler | $1,126 |
| 9 | Mesa | $1,125 |
| 10 | Scottsdale | $1,117 |
| 11 | Gilbert | $1,108 |
| 12 | Maricopa | $1,107 |
| 13 | Goodyear | $1,098 |
| 14 | Surprise | $1,090 |
| 15 | Casa Grande | $1,089 |
| 16 | Catalina Foothills | $1,072 |
| 17 | Oro Valley | $1,062 |
| 18 | Tucson | $1,061 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $992 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $942 |
| 23 | Sierra Vista | $890 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $852 |
| Compare Prices Now Go | ||
Rate information is comparative as the specific geographic location can revise premiums considerably.
Determining which companies have the best car insurance rates for welfare recipients requires a little more sweat in order to find coverage that fits your budget.
Each company has their own formula for setting prices, so to begin we’ll rank the car insurance companies with the overall best prices in Chandler. It’s important to know that Chandler, AZ car insurance rates are impacted by many things which can significantly increase or decrease the price of your policy. Improving your credit score, buying a home instead of renting, or getting a reckless driving citation can cause premium changes that can cause some rates to be more affordable than the competition.
Find the Cheapest Car Insurance in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,208 |
| 9 | CSAA | $1,213 |
| 10 | Allied | $1,245 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,364 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,435 |
| 17 | Amica | $1,443 |
| 18 | Titan | $1,476 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,552 |
| Quote Your Rates Go | ||
The Hartford has some of the most affordable car insurance rates in Chandler at around $811 per year. Auto-Owners, Safeco, Travelers, and USAA would also be considered some of the cheapest Chandler, AZ car insurance companies.
In this example, if you currently have a policy with Safeco and switched to The Hartford, you could realize an annual savings of roughly $112. Arizona drivers with Travelers could save as much as $264 a year, and USAA policyholders might see rate reductions of $302 a year.
Understand that those estimates are averages across all drivers and vehicles and do not factor in a specific location for welfare recipients. So the company that can offer you the best rate may not even be in the top 28 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own specific driver information and vehicle.
The type of vehicle you are buying coverage for is probably the most important factor that determines the availability of cheaper insurance for welfare recipients. Vehicles with limited top-end speed, advanced safety features, or a track record of few liability claims will cost substantially less to insure than fast, unsafe models. The table below illustrates auto insurance costs for a number of the most affordable automobiles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,318 |
| Hyundai Elantra SE Touring Station Wagon | $1,431 |
| Dodge Grand Caravan CV | $1,475 |
| Ford Explorer XLT 4WD | $1,484 |
| Ford Escape XLT 2WD | $1,491 |
| Chevrolet Equinox LT AWD | $1,558 |
| Toyota Camry LE | $1,566 |
| Toyota RAV4 Sport 4WD | $1,558 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,571 |
| Ford F-150 Lariat Crew Cab 2WD | $1,587 |
| Toyota Corolla S | $1,644 |
| Toyota Prius | $1,649 |
| Chevrolet Malibu LTZ | $1,672 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,679 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,672 |
| Ford Focus SE 4-Dr Sedan | $1,675 |
| Ford Edge Limited 2WD | $1,721 |
| Jeep Wrangler Unlimited Sport 4WD 4-Dr | $1,750 |
| Honda Accord LX-S 2-Dr Coupe | $1,758 |
| Kia Optima EX | $1,786 |
| Find Cheaper Rates Go | |
Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Prices do not factor in Chandler, AZ location which can change prices substantially.
Based upon the table data, we can assume that cars like the Honda CR-V, Hyundai Elantra, and Dodge Grand Caravan are likely to be a few of the cheapest vehicles to insure for drivers on welfare.
The illustration below illustrates how your choice of deductibles can affect premium costs when searching for cheap insurance for welfare recipients. The costs are based on a married female driver, full coverage, and no discounts are taken into consideration.
A 50-year-old driver could pocket $246 a year by changing from a $100 deductible to a $500 deductible, or save $370 by changing to a $1,000 deductible. Even younger drivers, like the Age 20 chart data, have the ability to save up to $606 or even more by using higher deductibles when buying full coverage.
When choosing a higher deductible, it will now be necessary to have emergency funds available to allow you to pay the extra out-of-pocket expense that comes with higher deductibles.
Choosing the right auto insurance company can be difficult considering how many choices you have in Arizona. The company ratings in the lists below could help you decide which providers to look at putting your business with. The rankings below are for large insurance companies, so smaller regional companies are not factored into these rankings.
Top 10 Major Auto Insurance Companies in Chandler Ranked by Customer Service
- State Farm
- GEICO
- The Hartford
- Mercury Insurance
- Progressive
- The General
- Allstate
- AAA Insurance
- American Family
- Nationwide
Top 10 Major Auto Insurance Companies in Chandler Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
If you like to get some guidance when buying car insurance for welfare recipients, the agents listed below are willing to help you make a decision which insurance coverage you need. To find a Chandler insurance agency nearest to you, click the button link following the list.
Arizona Insurance Guys
3414 W Oakland St – Chandler, AZ 85226 – (480) 331-6408
State Farm: Bryan Ross
5960 S Cooper Rd #2 – Chandler, AZ 85249 – (480) 855-8555
Allstate Insurance: Jim Kaup
565 W Chandler Blvd Ste 218 – Chandler, AZ 85225 – (480) 821-2763
San Marcos Insurance Group
584 W Chandler Blvd – Chandler, AZ 85225 – (480) 899-6633
Find a Chandler, AZ insurance agent near you
How to find cheaper car insurance for welfare recipients
The list below shows some money-saving ideas that can help drivers quote cheaper car insurance.
- Raise your physical damage coverage deductibles
- Ensure your driving record is clean
- Accident-free drivers may qualify for discounts
- Drive vehicles with five-star safety ratings
- Good credit scores may lower your rates
- Compare rates and switch if you can find a better deal
The last item on the list is incredibly critical, as we hit on in the prior information. Insurance prices can be changed at any time, so don’t be hesitant to buy a different policy if a cheaper price is available.
Being loyal to a particular company is commendable, but it’s not a good idea if your bullheadedness ends up costing you a fortune every year. Now is a great time to compare prices to find cheaper car insurance for welfare recipients in Chandler.