What's the Cost of Car Insurance in Chandler?


With premiums within $52 of the state average, Chandler has rates that are fairly similar to the state. We've analyzed how auto insurance rates in Chandler compare to premiums nationwide.


AUTO INSURANCE PREMIUMS: CHANDLER VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,299$1,247$1,427


Chandler Car Insurance by Credit Level


Individuals with Very Poor credit (300-579) pay an average of 2.4x more each year for car insurance than those with Exceptional credit (800-850). The most notable benefit of better credit comes from improving from Very Poor (300-579) to Fair (580-669), by which drivers can save close to $588 per year.


CHANDLER AUTO INSURANCE COSTS BY CREDIT LEVEL
Credit QualityAverage Rate
Very Poor$2,705
Fair$2,117
Good$1,686
Very Good$1,364
Exceptional$1,125


Chandler Auto Insurance by Violation or Accident History


Having a clean driving record is crutial if you want to keep the price of premiums low. Reckless driving will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Chandler have rates that surpass the city average ($1,299) by $965. Reckless driving will push your rates up as well, with typical rates of $2,963, which are 128% higher than the city average! You can expect your annual car insurance payments to rise by $764 if you are found at-fault in an accident in Chandler.


AVERAGE CHANDLER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
DUI/DWI$2,264
Reckless Driving$2,963
At-fault Accident (damages less than $1,000)$2,063
At-fault Accident (damages greater than $2,000)$2,063
Speeding Ticket (16-20 mph over speed limit)$1,746


Chandler Car Insurance by Gender and Marital Status


In Chandler, both gender and marital status can impact your car insurance premiums. However, the amount by which men's and women's car insurance premiums deviate is minimal. You can save approximately 7% per year if you're married as opposed to single. Rates for those who are widowed are marginally cheaper than rates for those who are single.


CHANDLER CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,312
Male$1,299
Single$1,299
Married$1,205
Divorced$1,299
Widowed$1,276


Chandler Auto Insurance Premiums by Age

Teenage drivers have the biggest premiums out of all the age groups. They pay around $5,537 per year on car insurance premiums. At $1,142, drivers in their 50s have the lowest payments among any age group. The most significant reduction in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Chandler start seeing a reduction in premiums of 68%. When drivers turn 60, they will experience a premium increase related to their age for the first time.


CHANDLER AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Rate
Teenagers$5,537
20s$1,748
30s$1,280
40s$1,231
50s$1,142
60s$1,201
70s$1,543


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

Find Local Chandler Agents

LDC Insurance Services, Inc.

900 W Chandler Blvd Chandler, AZ 85225

Anchor Insurance of Arizona

600 W Ray Rd Ste A3 Chandler, AZ 85225

American Fidelity Insurance Group LLC

955 W Chandler Blvd Chandler, AZ 85225

Parrish Insurance Agency

1256 W Chandler Blvd Ste G Chandler, AZ 85224

Leader Insurance Services

1054 N Arizona Ave Chandler, AZ 85225

American Cornerstone Insurance LLC

2150 E Germann Rd Chandler, AZ 85286

San Marcos Insurance Group LLC

584 W Chandler Blvd Chandler, AZ 85225

See All

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

icon_coffee

182

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

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Chandler Car Insurance

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