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 Average||State Average||National Average|
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
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/Gender||Average Rate|
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 Level||Average Rate|
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
|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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Chandler Agents
Leader Insurance Services
1054 N Arizona Ave Chandler, AZ 85225
Anchor Insurance of Arizona
600 W Ray Rd Ste A3 Chandler, AZ 85225
LDC Insurance Services, Inc.
900 W Chandler Blvd Chandler, AZ 85225
American Cornerstone Insurance LLC
2150 E Germann Rd Chandler, AZ 85286
American Fidelity Insurance Group LLC
955 W Chandler Blvd Chandler, AZ 85225
San Marcos Insurance Group LLC
584 W Chandler Blvd Chandler, AZ 85225
Parrish Insurance Agency
1256 W Chandler Blvd Ste G Chandler, AZ 85224
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