Car Insurance in Chandler

Travelers charges adult drivers $655 annually for minimum coverage in Chandler, establishing the baseline for this Phoenix suburb. Young drivers with Travelers pay $1,452 per year, 122% higher than adult rates.

Senior drivers face premiums of $951 annually with Travelers. State Farm offers drivers with a DUI the best rate at $793 per year, just 21% above clean-record adult rates.
Chandler's market shows typical youth surcharges but surprisingly moderate DUI penalties, creating varied rate impacts depending on your specific profile.

Travelers leads Chandler's market with minimum coverage at $655 per year, 33% below the city average of $974. Travelers also charges $1,189 per year for full coverage.

Auto-Owners presents an alternative at $788 annually for minimum coverage. While higher than Travelers, Auto-Owners provides solid value for drivers who value strong financial stability ratings and regional insurance expertise.

Young drivers in Chandler pay $1,452 annually with Travelers for minimum coverage. Adult drivers access the market's best rates at $655 per year with Travelers, enjoying a 55% discount compared to young drivers.

Travelers charges seniors $951 annually, a 45% increase over adult rates. Chandler's substantial senior penalty reflects insurers' concerns about age-related reaction times in this fast-growing suburb's busy traffic.

Auto-Owners charges $788 annually for speeding tickets in Chandler. At-fault accidents increase rates to $852 per year with Travelers.

State Farm offers the best DUI rate at $793 per year. This 21% increase adds just $138 annually, representing Chandler's surprisingly moderate DUI penalty compared to typical Arizona markets.

Travelers dominates Chandler's market with the city's lowest premiums and strong customer satisfaction scores. Auto-Owners provides competitive rates alongside outstanding customer service ratings.

Both insurers serve Chandler drivers well, with Travelers winning on pure affordability and Auto-Owners offering superior service quality.

Chandler averages $974 per year for minimum coverage and $1,895 per year for full coverage. These rates fall slightly below Arizona's state average of $988 for minimum coverage.

Travelers' $655 minimum coverage rate sits well below Chandler's average. This Phoenix suburb offers relatively moderate premiums compared to central Phoenix, with competitive options available through comparison shopping.

In Chandler, car insurance rates by ZIP code range from $69 to $175 per month. ZIP code 85286 is the most expensive, while 85226 is the cheapest. Check the average rates for your ZIP code on the table below.

With Chandler drivers facing some of Arizona's highest car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. This step-by-step guide shows you how to secure the cheapest car insurance rates while maintaining the right coverage for your needs.

Car insurance rates in Chandler depend on your age, driving record and vehicle type. While Travelers and Auto-Owners offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Chandler? We've researched local providers to answer your most common questions about finding affordable coverage that fits your needs. Our straightforward answers help you understand your options and save money without sacrificing protection.

To help Chandler drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.

Chandler Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Chandler

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Arizona are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.