What's the Cost of Car Insurance in Chandler?


It is vital to save while insuring a vehicle in Chandler because premiums in Chandler are recognized for being expensive. They generally exceed Arizona's average by 11%. Let's take a look at how car insurance costs in Chandler compare to rates nationwide.


AUTO INSURANCE PRICES: CHANDLER VS. NATIONAL/STATE MEAN
City AverageState AverageNational Average
$1,361$1,221$1,569


Chandler Car Insurance Costs by Age Bracket

Teenage drivers have the largest premiums amongst all the age groups. They have average car insurance payments of $5,639. When drivers hit their 20s in Chandler, therefore moving out of the teenage age range, they reduce their premiums by 68%, which is the largest gap you'll see between any age group. When drivers turn 60, they will experience a car insurance premium increase related to their age for the first time. When looking across all age groups, drivers in their 50s tend to have the lowest insurance payments. Their rates typically average $1,205/year. However, those in their 60s ($1,261) aren’t paying much more.


CHANDLER CAR INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$5,639
20s$1,817
30s$1,343
40s$1,299
50s$1,205
60s$1,261
70s$1,527


Chandler Car Insurance by Marital Status and Gender


Pricing for car insurance premiums in Chandler is dictated by a number of factors, including gender and marital status. Single individuals spend roughly $90 more per year compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums are more expensive for women, but barely. Women generally pay 1% more than men each year for insurance.


CHANDLER AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,379
Male$1,361
Single$1,336
Married$1,249
Divorced$1,336
Widowed$1,306


Chandler Car Insurance by Credit Score


Improving your credit can save you a sizable amount of money. Those in the bottom credit tier (300-579) pay an average of 2.7x more on premiums than those in the top credit tier (800-850). In terms of percent change, shifting from Very Poor (300-579) to Fair (580-669) results in the biggest percent reduction in premiums, as drivers save around 46% per year.


CHANDLER AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit LevelAverage Rate
Very Poor$3,040
Fair$1,650
Good$1,361
Very Good$1,232
Exceptional$1,128


Chandler Car Insurance With Accidents or Violations


Do you realize by how much an at-fault accident or violation can raise your car insurance rates? Many people don't think twice about speeding, but did you know that a ticket for driving 16-20mph over the limit can raise your insurance premiums by a whopping $459? $1,713 is the extra cost per year for drivers with a DUI in Chandler, compared to the city average of $1,361. Reckless driving will also drive your premiums up, with typical rates of $2,364!


AVERAGE CHANDLER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$3,074
Reckless Driving$2,364
At-fault Accident (damages less than $1,000)$1,873
At-fault Accident (damages greater than $2,000)$2,157
Speeding Ticket (16-20 mph over speed limit)$1,819


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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 Fidelity Insurance Group LLC

955 W Chandler Blvd Chandler, AZ 85225

Parrish Insurance Agency

1256 W Chandler Blvd Ste G Chandler, AZ 85224

San Marcos Insurance Group LLC

584 W Chandler Blvd Chandler, AZ 85225

Anchor Insurance of Arizona

600 W Ray Rd Ste A3 Chandler, AZ 85225

American Cornerstone Insurance LLC

2150 E Germann Rd Chandler, AZ 85286

LDC Insurance Services, Inc.

900 W Chandler Blvd Chandler, AZ 85225

Leader Insurance Services

1054 N Arizona Ave Chandler, AZ 85225

Not sure about Chandler

Check out these other Arizona cities...

Phoenix

Tucson

Mesa

Gilbert

Glendale

Scottsdale

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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Chandler Car Insurance

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