Travelers offers the cheapest car insurance in Chandler with annual rates of $660 for minimum coverage and $1,188 for full coverage. Auto-Owners is the second cheapest insurer; Progressive and State Farm also provide affordable coverage options in the city.
Car Insurance in Chandler
Updated: September 3, 2025
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Key Takeaways
Chandler's cheapest car insurance companies are Travelers, Auto-Owners and State Farm, with savings up to 39% compared to the city average.
Monthly car insurance costs in Chandler average $158 for full coverage and $81 for minimum coverage.
To get the best cheap auto insurance in Chandler, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Chandler?
| Travelers | $55 | $99 | -39% |
| Auto-Owners | $66 | $128 | -23% |
| State Farm | $62 | $133 | -23% |
| GEICO | $65 | $135 | -20% |
| Progressive | $83 | $136 | -13% |
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Cheapest Chandler Car Insurance by Category
Travelers leads Chandler's car insurance market with the lowest rates in five driver categories. Auto-Owners offers the cheapest coverage for drivers with old cars and speeding tickets, while State Farm wins for those with DUIs and Safeway leads for drivers with bad credit.
| Young Drivers | Travelers | $121 |
| Drivers With a Speeding Ticket | Auto-Owners | $66 |
| Senior Drivers | Travelers | $79 |
| Adult Drivers | Travelers | $55 |
| Drivers With an Accident | Travelers | $71 |
| Drivers With a DUI | State Farm | $66 |
| Drivers With Bad Credit | Safeway | $95 |
| Drivers With Newer Cars | Travelers | $53 |
| Drivers With Old Cars | Auto-Owners | $46 |
Compare the Cheapest Chandler Car Insurance for You
Your car insurance rate depends on personal factors like your age, driving record and credit score. Check the table below to find insurers offering the best rates for your specific profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Travelers | $55 | $655 | -36% |
| State Farm | $62 | $741 | -27% |
| Geico | $65 | $783 | -23% |
| Auto Owners | $66 | $788 | -23% |
| Allstate | $83 | $996 | -2% |
Best Car Insurance Companies in Chandler
The best car insurance companies in Chandler are Travelers, Auto-Owners, Progressive, State Farm and GEICO. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| 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 |
Travelers: Best Overall Value
pros
Most affordable rates in Chandler
Strong customer service ratings
Serves diverse driver categories well
cons
Limited coverage options
Higher rates for some driver types
COMPANY HIGHLIGHTS
Travelers ranks first in Chandler with excellent affordability scores and strong customer service. The company offers the lowest minimum coverage rates in the city and serves multiple driver categories effectively. Travelers particularly stands out for newer cars, senior drivers, and those with accident history.
Auto-Owners: Best Customer Service
pros
Top-rated customer experience
Competitive rates overall
Quick claims processing
cons
Basic coverage options
Limited digital tools
COMPANY HIGHLIGHTS
Auto-Owners earns the second spot in Chandler thanks to its industry-leading customer service. The company excels with specific groups, offering the lowest rates for drivers with old cars and those with speeding tickets. Auto-Owners combines strong affordability scores with consistently high customer satisfaction ratings.
How Much Is Car Insurance in Chandler?
In Chandler, minimum coverage costs about $81 per month or $974 per year, ranking 259th out of all Arizona cities for affordability. Full coverage averages $158 monthly or $1,895 annually, ranking 213th among Arizona cities.
| Full Coverage | $158 | $1,895 |
| Minimum Coverage | $81 | $974 |
Chandler Car Insurance Cost by Category
In Chandler, monthly coverage costs vary from $70 to $386 depending on driver category. Check the table below to see rates for your category.
| Young Drivers | $202 | $386 |
| Adult Drivers | $81 | $158 |
| Senior Drivers | $116 | $212 |
| Drivers With a Speeding Ticket | $100 | $198 |
| Drivers With an Accident | $119 | $232 |
| Drivers With a DUI | $130 | $253 |
| Drivers With Bad Credit | $176 | $366 |
| Drivers With Old Cars | $70 | $135 |
| Drivers With Newer Cars | $96 | $187 |
Chandler Car Insurance Costs by ZIP Code
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.
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ZIP Code:85224
| 85224 | $73 | $150 |
Compare Personalized Chandler Car Insurance Costs
Since your exact situation may differ from basic rate breakdowns, use this table to find average rates based on your age, driving record and other personal factors combined.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $82 | $986 | 24% |
How to Get the Best Cheap Chandler Car Insurance
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.
- 1
Know your coverage requirements
Start by understanding exactly how much coverage you need for your situation. Use our car insurance coverage needs calculator to determine appropriate coverage levels based on your car's value and personal assets. Consider Chandler's minimum requirements, but remember that basic coverage might not provide enough protection for your needs.
- 2
Explore different insurance types
Learn about various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance. These alternatives could save you money while providing necessary protection.
- 3
Check local insurance costs
Research average vehicle insurance costs in Chandler to set realistic expectations. Understanding typical rates for your area helps you recognize good deals and avoid overpaying. Consider factors like your age, driving history, and vehicle type that affect your personal rates.
- 4
Find available discounts
Look for money-saving opportunities through car insurance discount programs. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features, and completing defensive driving courses.
- 5
Research insurance company ratings
Check each insurer's financial strength and customer satisfaction ratings. Look for companies with strong records in claims handling and customer service in Arizona. Read recent reviews from other Chandler drivers to understand real experiences with different insurance providers.
- 6
Get and compare multiple quotes
Request quotes from at least three different insurance companies. Use a mix of local agents, online tools, and direct carrier websites to ensure you're getting the best rates. Keep coverage levels consistent across quotes for accurate comparison.
- 7
Review your policy annually
Mark your calendar to review your car insurance policy each year. Life changes, vehicle updates, and improved driving records can qualify you for better rates. Shopping around annually helps ensure you maintain the best combination of coverage and cost.
Cheapest Car Insurance in Chandler: Bottom Line
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.
Cheap Chandler Car Insurance: FAQ
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.
What is the cheapest car insurance company in Chandler, Arizona?
Travelers offers the lowest rates in Chandler, with average annual premiums of $655 for minimum coverage and $1,189 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Chandler?
Travelers leads Chandler's car insurance market with a MoneyGeek score of 96 out of 100, scoring 3 points higher than Auto-Owners. Travelers delivers excellent value through competitive rates and quality service.
What is the average cost of car insurance in Chandler?
In Chandler, drivers pay $1,895 annually for full coverage and $974 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Chandler expensive?
Car insurance in Chandler costs more than average, ranking 259th for minimum coverage affordability and 213th for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Chandler, AZ
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
