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 AverageUnited States Average
$1,540$1,470$1,548

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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
CompanyAverage Annual Rate
GEICO$817
USAA$1,289
State Farm$1,499
Progressive$1,577
American Family$1,618

Check out our guide to learn how to find the best cheap car insurance.



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
AgeAverage Yearly Rate
Teens$6,400
20s$2,062
30s$1,509
40s$1,465
50s$1,367
60s$1,426
70s$1,824

Learn more about the impact of age on car insurance premiums.



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/GenderAverage Yearly Rate
Female$1,563
Male$1,540
Single$1,416
Married$1,416
Divorced$1,540
Widowed$1,468

Learn more about how gender and marital status have on auto insurance rates.



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
ViolationAverage Yearly Rate
DUI/DWI$2,363
Reckless Driving$2,224
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

Learn more about how citations can raise your auto insurance rates.



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 LevelAverage Yearly Rate
Very Poor$3,467
Fair$1,883
Good$1,540
Very Good$1,391
Exceptional$1,234

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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.

26

Rainy Days a Year

7"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Chandler

2
Major Highways
I-10 SR 202 SR 101

Car Insurance Companies in Chandler

Find Local Chandler Agents

American Cornerstone Insurance LLC

2150 E Germann Rd, Chandler, AZ 85286

American Fidelity Insurance Group LLC

955 W Chandler Blvd Suite 12, Chandler, AZ 85225

LDC Insurance Services, Inc.

900 W Chandler Blvd Suite A-8, Chandler, AZ 85225

Anchor Insurance of Arizona

600 W Ray Rd Ste A3, Chandler, AZ 85225

San Marcos Insurance Group LLC

584 W Chandler Blvd, Chandler, AZ 85225

Leader Insurance Services

1054 N Arizona Ave, Chandler, AZ 85225

Parrish Insurance Agency

1256 W Chandler Blvd Ste G, Chandler, AZ 85224

Not sure about Chandler

Check out these other Arizona cities:

Phoenix

Tucson

Scottsdale

Glendale

Gilbert

Mesa

2

$1,135

The average Chandler resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

182

That's equal to 182 cups of coffee or $454 in savings

See How Much You Can Save in Chandler

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Recent Questions:

Chandler Car Insurance

How can I find the exact date of my speeding ticket?

You need to contact the DMV in Arizona. In most cases you can order a record of your driving history - but it might cost a small fee.