What's the average cost of car insurance in Chandler?
The average car insurance rate in Chandler is $1,540 per year. That's more expensive than the statewide average in Arizona ($1,470) and less expensive than the national average of $1,548. Our guide to car insurance in Chandler — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
CAR INSURANCE: CHANDLER RATES VS. STATE + NATIONAL AVERAGES
|Chandler Average (yearly)||Arizona Average||United States Average|
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Chandler car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Chandler, GEICO provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in Chandler — but don't forget to get personalized car insurance quotes to match your driving profile.
CHANDLER CAR INSURANCE RATES BY COMPANY
|Company||Average Annual Rate|
Chandler auto insurance premiums by age
Chandler drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,367per year, on average. Drivers in their 60s pay marginally higher rates — $1,426 per year.
The Chandler drivers who pay the highest insurance rates are teenagers. When Chandler drivers hit their 20s, their insurance rates drop substantially. In Chandler, teenage drivers pay $6,400 — a full $4,974 more than the second-most expensive rate paid by an age group.
CHANDLER AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Yearly Rate|
Chandler car insurance premiums by gender and marital status
In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Chandler, married motorists pay $124 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Chandler, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In Chandler, female drivers pay $23 per year more than do male drivers for car insurance.
INSURANCE RATES IN CHANDLER BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Chandler car insurance costs by accident and citation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Chandler drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $684 per year versus the city average. A ticket for speeding results in a $416 rate hike, on average, while a DUI violation costs $823per year in insurance premiums.
CHANDLER CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,958|
|At-fault Accident (damages > $2,000)||$2,252|
|Speeding Ticket (16-20 mph over speed limit)||$1,956|
Chandler auto insurance rates by credit tier
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Chandler drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 64% decrease in their auto insurance costs. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Chandler, moving into the "Fair" credit tier corresponds to an average of $1,584 in savings on insurance each year.
CHANDLER CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Yearly Rate|
What drives up car insurance rates in Chandler?
Where you live in Chandler affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Chandler is no exception to the rule. From ZIP code 85248 to 85224, premiums rise by 5 percent—that’s $55.
Expensive Chandler ZIP codes: 85249, 85225, 85224
Cheap Chandler ZIP codes: 85248, 85286, 85226
Chandler Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Chandler, you can expect 26 rainy days with an annual rainfall of 7 inches. Chandler is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Chandler
Find Local Chandler Agents
Anchor Insurance of Arizona
600 W Ray Rd Ste A3, Chandler, AZ 85225
American Fidelity Insurance Group LLC
955 W Chandler Blvd Suite 12, Chandler, AZ 85225
San Marcos Insurance Group LLC
584 W Chandler Blvd, Chandler, AZ 85225
Parrish Insurance Agency
1256 W Chandler Blvd Ste G, Chandler, AZ 85224
LDC Insurance Services, Inc.
900 W Chandler Blvd Suite A-8, Chandler, AZ 85225
American Cornerstone Insurance LLC
2150 E Germann Rd, Chandler, AZ 85286
Leader Insurance Services
1054 N Arizona Ave, Chandler, AZ 85225
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