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 Average||State Average||National Average|
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 Quality||Average Rate|
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/Incident||Average Insurance Rate|
|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/Gender||Average Rate|
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
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
Car Insurance Companies in Chandler
Find Local Chandler Agents
Parrish Insurance Agency
1256 W Chandler Blvd Ste G Chandler, AZ 85224
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
San Marcos Insurance Group LLC
584 W Chandler Blvd Chandler, AZ 85225
Leader Insurance Services
1054 N Arizona Ave 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
The average Chandler resident's annual cost of coverage
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Chandler Car Insurance
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