Updated: December 29, 2025
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Travelers offers the most affordable rates for many driver profiles. With minimum coverage starting at $54 monthly and full coverage at $99, drivers save 21% compared to the city average.
Auto-Owners is the runner-up for affordability with $65 monthly minimum and $127 monthly full coverage rates. This insurer provides especially competitive pricing for drivers with a speeding ticket.
State Farm is the cheapest for senior drivers and drivers with an accident on their record.
Cheapest Monthly Rates by Coverage and Driver Profile in Chandler:
Travelers charges $99 monthly for full coverage in Chandler, 39% below the city average. Auto-Owners ranks second at $127 per month with 23% savings. Minimum coverage follows a similar pattern. Travelers costs $54 monthly (39% below average), while State Farm's $61 rate saves drivers 23% compared to the average Chandler costs.
ZIP code and driving history affect your rate, so gather quotes from several insurers before choosing coverage.
| Travelers | $55 | $99 | -39% |
| State Farm | $62 | $133 | -23% |
| Geico | $65 | $135 | -20% |
| Auto Owners | $66 | $128 | -23% |
| Progressive | $83 | $136 | -13% |
Not in Chandler? Read more about the cheapest car insurance or the best provider in Arizona.
Drivers under 25 pay Chandler's highest car insurance rates due to limited driving experience. Travelers offers the lowest premiums at $231 monthly, followed by GEICO at $289 and Auto-Owners at $298.
Staying on your parents' policy saves hundreds annually compared to buying separate coverage. A defensive driving course cuts premiums 5% to 15%, worth the investment for teen drivers facing already-high rates.
| Travelers | $232 | $2,782 | -42% |
| Geico | $290 | $3,476 | -27% |
| Auto Owners | $299 | $3,588 | -25% |
| State Farm | $306 | $3,678 | -23% |
| Safeway Insurance | $330 | $3,964 | -17% |
Chandler seniors pay lower insurance rates than younger drivers. Travelers charges $142 monthly, the city's lowest rate for seniors, while State Farm costs $162 and GEICO $174.
Defensive driving courses drop premiums up to 10% for three years. Many insurers offer accident forgiveness programs for drivers 65 and older, preventing rate hikes after a first at-fault accident.
| Travelers | $143 | $1,714 | -35% |
| State Farm | $162 | $1,945 | -27% |
| Geico | $174 | $2,091 | -21% |
| Progressive | $184 | $2,207 | -17% |
| Safeway Insurance | $193 | $2,312 | -13% |
Violations raise insurance costs, but rates vary between Chandler insurers. After a DUI, State Farm charges $66 monthly for minimum coverage and Travelers $78. Speeding tickets cost less: Auto-Owners charges $65 per month and State Farm $66. Travelers and State Farm both charge $71 monthly after an at-fault accident.
Compare quotes from multiple insurers, as each company weights violations differently. Speeding tickets affect your rates for three to five years, while DUIs impact premiums up to 10 years.
| At-Fault Accident | Travelers | $71 | -43% |
| At-Fault Accident | State Farm | $72 | -42% |
| DUI | State Farm | $66 | -51% |
| DUI | Travelers | $78 | -42% |
| Speeding Ticket | Auto Owners | $66 | -37% |
| Speeding Ticket | State Farm | $66 | -37% |
ZIP code affects Chandler car insurance rates significantly. Drivers in 85226 pay $141 monthly for full coverage, the city's lowest rate, while 85286 residents pay $175 for identical coverage.
Local crime rates, traffic patterns and accident frequency explain the $34 monthly gap. Insurers assess risk by specific address, not general neighborhood, so rates vary between adjacent ZIP codes.
| 85286 | $175 |
| 85249 | $172 |
| 85225 | $153 |
| 85224 | $150 |
| 85226 | $141 |
| 85226 | $141 |
| 85224 | $150 |
| 85225 | $153 |
| 85249 | $172 |
| 85286 | $175 |
Travelers ranks first in Chandler with a MoneyGeek score of 95 out of 100. The insurer combines low rates with strong customer service scores, making it ideal for Arizona drivers prioritizing affordability and reliability.
Auto-Owners, Progressive, State Farm and GEICO complete the top five. Each offers competitive advantages: Auto-Owners provides extensive coverage options, Progressive features digital tools, State Farm maintains local agent networks, and GEICO delivers budget-friendly rates.
| Travelers | 96 | 1 | 2 | 4 |
| Auto Owners | 93 | 2 | 1 | 5 |
| Progressive | 89 | 5 | 3 | 2 |
| State Farm | 87 | 3 | 4 | 6 |
| Geico | 85 | 4 | 6 | 6 |
Fast mobile and online claims filing
IntelliDrive program rewards safe driving habits
Accident forgiveness prevents first-accident rate increases
Limited rental car and mechanical breakdown coverage
Claims process can be slow and cumbersome
Lower coverage options than some competitors
Travelers offers Chandler's lowest rates for teen and senior drivers. The insurer's accident forgiveness program prevents rate hikes after your first at-fault accident, valuable protection in Arizona's high-traffic areas.
Digital tools include 24/7 mobile claims filing and customer support. Discount programs cover hybrid vehicles, safe driving records and policy bundling, reducing premiums for most drivers.
Top-rated customer service with local agents
Fast claims processing minimizes downtime
Arizona insurance expertise for accurate coverage
Limited coverage options compared to competitors
Slower customer service response times for claims
Auto-Owners charges Chandler's lowest rates for drivers with speeding tickets. Local agents provide personalized service, and the mobile app handles claims filing and policy changes. The insurer offers 24/7 agent access for urgent situations. Comprehensive coverage includes protection against Arizona weather risks like dust storms and flash flooding.
Insurance costs add up quickly, but Chandler drivers have several ways to cut premiums without sacrificing coverage.
Combining auto with home or renters insurance saves 15% to 25%. Add multi-car discounts (10% to 25% per vehicle), good driver rates and paperless billing to cut total premiums 30% to 40%.
A $1,000 deductible instead of $500 reduces annual premiums 10% to 15%. Choose a deductible you can afford to pay if you file a claim.
Insurance companies update Chandler rates throughout the year. Three years of clean driving unlocks better rates than you qualified for initially.
Compare Chandler insurance costs and coverage options to find affordable rates.
Chandler car insurance costs $158 monthly for full coverage, higher than Lake Havasu City's $47 but lower than Phoenix's $181 rate.
Finding affordable car insurance in Chandler starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Arizona’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 85286 often pay much more than those in 85226.
We partnered with the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Chandler ZIP code.
Our ratings for the best car insurance in Chandler are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Chandler neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
