Chandler, AZ Car Insurance

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
$1,540	$1,470	$1,548

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• Age group
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• Driving record
• Credit rating

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 car insurer that best fits your 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
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

Age	Average 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/Gender	Average 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

Violation	Average 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 Level	Average 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