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Beth Swanson

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

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Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Ross Martin

Insurance Writer

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Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Chandler?

The average cost of a six-month car insurance policy in Chandler is $927, or $155 per month for drivers. GEICO is the least expensive car insurance company in Chandler, with rates as low as $673 for a six-month policy or $112 per month, according to our 2024 data. Chandler's rates are higher than the Arizona state average of $875 every six months, as well as the national average of $742.

42%% of our customers in Chandler say that they're paying too much for car insurance. Keep reading for tips on how to reduce premiums and the reasons behind car insurance rates in Chandler. 

Car Insurance in Chandler vs. Arizona Avg. 6 Mo. Premium
Arizona Average $875
Chandler Average $927

The cheapest car insurance companies in Chandler

1st place medal
1st place: GEICO

GEICO is the cheapest at $112 per month or $673 for a six-month policy.

2nd place medal
2nd place: Travelers

Travelers came in as a very close second at $114 a month.

3rd place medal
3rd place: Progressive

Progressive takes the third cheapest slot on our list, with rates around $125 per month or $752 per six-month policy period.

The Zebra's key takeaways about car insurance in Chandler:

  • The average cost of a car insurance policy in Chandler is $927 per six-month policy — or $155 per month.
  • The cheapest company in Chandler is GEICO ($673 every six months).
  • Chandler ranks at #34 in the most expensive cities for car insurance in Arizona.
  • 42% of Zebra customers in Chandler stated they used our product because they were paying too much for car insurance.

Are you paying too much for auto insurance?

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Chandler car insurance rates by company

Our 2024 data indicates that GEICO is the most affordable provider of full coverage auto insurance in Chandler. A six-month policy costs approximately $673, or $112 per month. Travelers also offera competitive rates, with an average monthly payment of $114 or a total of $682 for a six-month policy.

To discover more about the top-rated car insurance companies, refer to The Zebra's Customer Satisfaction Survey.

Cheapest car insurance companies in Chandler, AZ
Company Avg. 6 Mo. Premium
GEICO $673
Travelers $682
Progressive $752
USAA $771
State Farm $811
Nationwide $922
MetLife $1,143
Allstate $1,389

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


Comparing rates from various insurance companies is the easiest way to save money on your auto insurance. The Zebra is a great tool for this purpose. To get started, simply enter your ZIP code to access rates from top companies like Allstate, Progressive, GEICO, and more. In Chandler, you can use The Zebra to find the best cheap auto insurance that fits your coverage requirements.

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Average car insurance in Chandler by rating factor

Car insurance premiums can be influenced by several factors, some of which are within your control, and others that are not. Rating factors refer to specific characteristics that relate to your profile, such as claims history, credit score, and age. Although companies typically take the same factors into account, they may weigh them differently. While one insurer may place a greater emphasis on your credit score, another may focus more on previous claims.

Remember that the coverage and insurance company that are right for you can change over time. As you accumulate more driving experience and age, your profile will change. It's important to get new quotes on your auto insurance from time to time to make sure you're still getting the best deal on your rates.

Q: I didn't have an accident — Why is my insurance going up?

A: End-of-year earnings in Chandler impact the cost of car insurance by comparing the premiums earned by insurers to the cost of paying out claims. Even if you are a skilled driver with no prior claims, insurers may raise their rates to balance the escalating expenses of conducting business in certain parts of the city.

Auto insurance premiums by age in Chandler

When calculating car insurance premiums, age is a crucial factor. Insurance companies have access to data that helps them determine which age group is most likely to file claims. Teen drivers have the highest number of accidents, which is why their premiums are the most expensive. For a six-month policy in Chandler, there's a $1,811 difference in rates between teenage drivers and those in their 20s, making it the most significant price gap between any two age groups for a new car insurance policy.

While it might seem surprising to see how expensive it is to insure a young driver, keep in mind that insurance companies need to offset the cost of paying claims. They charge the riskiest drivers higher rates to continue their business as accidents happen.

Cheapest car insurance companies for teen drivers in Chandler, AZ
Company Avg. 6 Mo. Premium
GEICO $1,870
Travelers $2,006
USAA $2,935
State Farm $3,059
Nationwide $3,262
Allstate $3,482
Progressive $3,725
MetLife $4,015
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s GEICO $782
30s Travelers $654
40s Travelers $589
50s Travelers $562
60s Travelers $576
70s Travelers $697

Zebra Tip: The cheapest companies for Chandler drivers are Travelers, GEICO and USAA


Statistical analysis has revealed that the age group of 20-40 is the most significant proportion of drivers in Chandler. On average, these drivers pay $1,059 every six months for their auto insurance. Choosing one of these insurance providers can lead to savings of up to 26%.

Auto insurance premiums for minimum coverage in Chandler

The level of coverage you choose is one detail of your auto insurance that can have a significant impact on your rates. Shopping for a new policy can be overwhelming, given the number of options available, so it's important to take your time and evaluate your choices. Our studies have shown that about 29% of Chandler drivers have opted for the minimum state-required coverage. While this technically meets Arizona's requirements, it also means that you're more vulnerable if you get into an accident.

If you choose to include collision coverage or comprehensive coverage (usually called "full coverage" when you have both), your rates can increase significantly. However, by selecting the right deductible, you may have more control over your costs. The higher your deductible, the less you'll have to pay in premiums. If you prefer a lower deductible, then you'll have to pay a higher premium.

Your insurance rates will be affected by the inclusion of roadside assistance and uninsured motorist coverage. These are both good to have for extra peace of mind. Uninsured motorist coverage is especially helpful for situations where drivers lack auto insurance or have insufficient coverage. Despite the fact that these add-ons will increase your premiums, it is worthwhile to consider them, and The Zebra suggests carrying them for unexpected circumstances where you and your vehicle need extra support.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

If you choose to lease or finance your car, you might be required to have a certain amount of coverage. However, if you own your vehicle outright, you may want to consider whether you should eliminate comprehensive or collision coverage. It's wise to determine the actual cash value of your car using a resource like Kelley Blue Book. Normally, if your car is worth less than $4,000 you can go without collision coverage. However, keep in mind that the downside of dropping collision coverage is that you'll be on the hook for repair costs if you're in an accident.

Cheapest car insurance companies for minimum coverage in Chandler, AZ
Company Avg. 6 Mo. Premium
GEICO $242
USAA $263
Travelers $275
Allstate $329
Progressive $342
State Farm $348
Nationwide $419
MetLife $485

29% of our customers in Chandler opt for minimum coverage, but this may not be the best option for everyone. While we understand that minimum coverage is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. Arizona's 25/50/15 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $15,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.

Learn more about insurance laws in Arizona.

Chandler car insurance rates by credit score

Despite the apparent lack of correlation between your credit score and your car insurance rates, the two are closely connected. Credit score is one of the many factors that insurance companies consider when determining premiums, and this is true in most states, including Arizona. There are several reasons for this: studies have shown that people with lower credit scores are more likely to file insurance claims, more likely to have gaps in their car insurance coverage, and tend to take more risks while driving. To account for these risk factors, insurance providers must factor in credit score when establishing rates.

If you're wondering how much of a difference your credit score can make on insurance rates, it's worth noting that Chandler drivers with poor credit (300-579) pay 115% more than drivers with excellent credit (800-850). This is a staggering number! However, it's worth mentioning that most Chandler drivers have a credit score in the excellent (720+) category, according to our data. For drivers with this credit rating, GEICO offers the cheapest insurance rates.

Cheapest car insurance companies for drivers with bad credit in Chandler, AZ
car insurance in chandler by credit score
Company Avg. 6 Mo. Premium
GEICO $883
Travelers $1,056
Nationwide $1,249
Progressive $1,274
USAA $1,483
Allstate $1,832
MetLife $2,480
State Farm $3,360

Auto insurance rates with an at-fault accident

The most frequent types of insurance claims are collisions and at-fault accidents. In 2024, the average car insurance rates in Chandler increased by anywhere between $59 and $77 per month due to an at-fault accident, 50% higher than the rate for accident-free drivers. Travelers provides the most cost-effective insurance for those who have been involved in at-fault accidents in Chandler.

No matter where you live, maintaining a clean driving record by avoiding accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can all result in increased rates. Depending on the citation or ticket type, your premium will be affected for several years. At-fault accidents and speeding tickets typically stay on your record for three to five years, while DUIs or DWIs can have a longer-lasting effect.

Cheapest car insurance companies after an at-fault accident in Chandler, AZ
Company Avg. 6 Mo. Premium
Travelers $906
State Farm $1,031
USAA $1,130
Progressive $1,142
GEICO $1,170
Nationwide $1,559
Allstate $1,827
MetLife $1,849

Chandler car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Chandler.

Car insurance rate increases after violations and citations in Chandler, AZ
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
One Med/PIP claim $927 0% $0
None $927 0% $0
Not-at-fault accident $929 0% $2
Two Med/PIP claims $964 4% $37
One comp claim $965 4% $38
Two comp claims $1,011 9% $84
Failure to wear a seat belt $1,047 13% $120
Driving without lights $1,047 13% $120
Child safety restraint $1,047 13% $120
Failure to show documents $1,092 18% $165
Driving with expired registration $1,131 22% $204
Speeding 6 - 10 MPH over limit $1,164 26% $237
Wrong way/wrong lane $1,166 26% $239
Following too closely $1,166 26% $239
Failure to stop at a red light $1,166 26% $239
Failure to yield $1,166 26% $239
Illegal turn $1,166 26% $239
Cell phone violation $1,169 26% $242
Texting while driving $1,169 26% $242
Improper passing $1,181 27% $254
Speeding 11 - 15 MPH over limit $1,186 28% $259
Speeding in school zone $1,191 28% $264
Driving too slowly $1,191 29% $264
Speeding 16 - 20 MPH over limit $1,195 29% $268
In 65 MPH zone $1,224 32% $297
Passing school bus $1,233 33% $306
Speeding 21 - 25 MPH over limit $1,234 33% $307
At-fault accident - less than $1000 $1,282 38% $355
Operating a vehicle without permission $1,304 41% $377
At-fault accident - $1000-$2000 $1,374 48% $447
At-fault accident - greater than $2000 $1,388 50% $461
Open container $1,408 52% $481
Reckless driving $1,564 69% $637
Driving with a suspended license $1,584 71% $657
Refusal to submit to a chemical test $1,779 92% $852
DUI $1,779 92% $852
Racing $1,829 97% $902
Leaving scene of an accident/hit and run $1,839 98% $912

Why is car insurance in Chandler so expensive?

Chandler's auto insurance costs are due to a number of factors. The high cost of living in the city is a significant reason why car insurance companies have to charge more to stay afloat. Nonetheless, other factors play a role in determining your insurance premiums besides your coverage level, driving history, and credit score.

Read on to learn about the reasons why car insurance is expensive in Chandler, regardless of your driving profile.

location
Location

As a rule of thumb, car insurance tends to be pricier in larger cities as opposed to more rural areas. In the eyes of an insurance company, city living comes with more risks. The good news is that the ZIP codes in Chandler don't differ much in cost — the widest price gap between different neighborhoods in the city is only $55.

money
Business costs

As expenses for things like auto repairs and healthcare continue to rise, car insurance companies will adjust accordingly in anticipation of these costs. The increased cost of doing business is often passed on through higher prices to consumers, and in this case, drivers. 

drivers
Drivers

Like many cities, more people on the road equates to more accidents. Chandler is a city of drivers so the chances of getting into an accident as a commuter are much higher than in more rural areas, so insurance companies have to take this into consideration. 

weather
Weather risk

Arizona is known for its arid desert environment, but the weather is becoming more and more unpredictable. Severe weather events like flooding and wildfires cause an uptick in claims, and therefore an increase in premiums throughout the area.

Zebra Tip: Consider uninsured property damage and comprehensive coverage


The uninsured driver rate in Chandler is about 26%, indicating that individuals driving in the city may face a situation where insurance may not cover the expenses of an accident. To overcome this, uninsured motorist coverage (UMPD) is an option. UMPD comes to your rescue if an uninsured or underinsured driver causes damage to your vehicle or yourself. One of the advantages of UMPD is that it typically has lower rates than collision insurance, a lower deductible, and a reduced rate hike after making a claim.

Weather can also cause serious damage to vehicles. Arizona may not have hurricanes or blizzards, but they do endure severe storms, hail and even wildfires. In 2021, over 500,000 acres fell victim to wildfires in Arizona.[1] If you're concerned about weather damage to a vehicle, be sure to carry comprehensive coverage.


Bundling insurance policies in Chandler

Car insurance rates are on the rise, but there are still ways to save money. One of these ways is to bundle your home and car insurance policies to take advantage of potential savings. Many people have been able to get discounts of up to 10%, which makes this an attractive option for those who are looking for budget-friendly rates.

If your home and auto policies are not yet bundled, take a few minutes to inquire about it. And if you're shopping around for a new insurance provider, be sure to consider bundling as a way to make your coverage more affordable.

bundling home and auto insurance in Chandler
Cheapest car insurance companies for bundling home and auto insurance in Chandler, AZ
Company Avg. 6 Mo. Premium
Travelers $614
GEICO $640
Progressive $648
State Farm $669
USAA $708
Nationwide $817
MetLife $968
Allstate $1,140

Determining insurance rates entails considering numerous factors. While many of these factors are beyond your control, there are still steps you can take as a driver to help maintain affordable car insurance. We highly advise that you shop around for auto insurance quotes to thoroughly compare your choices and locate the most reasonable rate.

By educating yourself and examining various car insurance providers, you can acquire the appropriate coverage for your needs and budget. It's a great idea to frequently get quotes, particularly when personal circumstances change, such as reaching certain age milestones or credit score improvement, as these events can help save you money. Even though changing insurance companies may be uncomfortable, some providers are just more expensive than others, so don't hesitate to make a change.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The cost of a six-month auto insurance policy in Chandler averages $927 or $155 per month. This is higher than the Arizona state average, as well as the national average.

GEICO has the most affordable rates in Chandler, with a six-month policy average of $673, but Travelers is a close second at $682.

In Arizona, you need liability coverage at the following levels in order to drive legally: $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $15,000 for property damage per accident.


Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Chandler, AZ


About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.