Chandler, AZ Car Insurance
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 2023 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|
The cheapest car insurance companies in Chandler
GEICO is the cheapest at $112 per month or $673 for a six-month policy.
Travelers came in as a very close second at $114 a month.
Progressive takes the third cheapest slot on our list, with rates around $125 per month or $752 per six-month policy period.
Are you paying too much for auto insurance?
Chandler car insurance rates by company
Our 2023 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
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
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.
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
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
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
Auto insurance rates with an at-fault accident
The most frequent types of insurance claims are collisions and at-fault accidents. In 2023, the average car insurance rates in Chandler increased by anywhere between $59 and $77 per month due to an at-fault accident, 50% higher than the rate for accident-free drivers. Travelers provides the most cost-effective insurance for those who have been involved in at-fault accidents in Chandler.
No matter where you live, maintaining a clean driving record by avoiding accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can all result in increased rates. Depending on the citation or ticket type, your premium will be affected for several years. At-fault accidents and speeding tickets typically stay on your record for three to five years, while DUIs or DWIs can have a longer-lasting effect.
Cheapest car insurance companies after an at-fault accident in Chandler, AZ
Chandler car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Chandler.
Car insurance rate increases after violations and citations in Chandler, AZ
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$927||0%||$0|
|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|
|Failure to stop at a red light||$1,166||26%||$239|
|Failure to yield||$1,166||26%||$239|
|Following too closely||$1,166||26%||$239|
|Texting while driving||$1,169||26%||$242|
|Cell phone violation||$1,169||26%||$242|
|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|
|Driving with a suspended license||$1,584||71%||$657|
|Refusal to submit to a chemical test||$1,779||92%||$852|
|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.
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.
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.
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.
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.
Cheapest car insurance companies for bundling home and auto insurance in Chandler, AZ
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!
Frequently asked questions
Is car insurance more expensive in Chandler?
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.
What is the cheapest car insurance in Chandler?
GEICO has the most affordable rates in Chandler, with a six-month policy average of $673, but Travelers is a close second at $682.
What kind of car insurance do I need in Arizona?
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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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 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.