bestauto insuranceChandlerCompare the Cheapest Car Insurance Quotes in Chandler, AZ
The average car insurance rate in Chandler is $1,195 per year, which is cheaper than the Arizona average. The cheapest insurer for average drivers is GEICO, but MoneyGeek also evaluated the cheapest options across various different coverage levels and driver profiles. For those looking to balance costs and quality service, MoneyGeek rated the top car insurance providers in Chandler.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/4/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
A full coverage car insurance policy from GEICO costs on average $731 per year, with state minimum liability coverage priced at $353, the cheapest in Chandler. Drivers with a speeding ticket can get insurance from GEICO at $867 per annum, which is also the best price in the city. USAA is an affordable option for active and retired military personnel and their families. MoneyGeek ranks GEICO as the best overall Chandler insurance company for its competitive pricing and superior customer service.
bestauto insuranceChandlerThe Cheapest and Best Car Insurance in Chandler
The Cheapest Car Insurance Companies in Chandler
On average, the following insurance companies offer the most affordable full coverage insurance in Chandler:
- GEICO: $731 annually
- Progressive: $908 annually
Former and current Chandler military personnel and their families will find USAA car insurance an affordable option with an average annual premium of $771.
With an average annual premium of $731, GEICO is the cheapest among the insurance companies in Chandler. Its rate is about 141% less than MetLife’s premium of $1,762, the most expensive in the city.
Your quoted premium may differ if you explore alternative liability limits coverage and have a different driving profile than our sample driver.
Cheapest Car Insurance in Chandler
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$731
- 2.$771
- 3.$908
- 4.$999
- 5.$1,059
To obtain average car insurance rates in Chandler, MoneyGeek used a sample driver profile, as set out in our methodology. Our sample driver is a 40-year-old male with a full coverage policy.
Although full coverage is more expensive than state minimum liability coverage and other optional coverages, a full coverage car insurance policy includes both comprehensive and collision insurance. This is significant because it safeguards you from incurring large financial losses if your car is damaged.
- Comprehensive insurance: protects you against damage to your car from incidents other than collision, such as hail, theft or vandalism
- Collision insurance: covers the cost of repairing your car in the event of a collision with another vehicle or a stationary object
If you drive an older model car, full coverage auto insurance may be more expensive than the replacement value of your vehicle. To save money, you might opt for liability-only insurance or coverage that meets Arizona’s minimum requirements.
Compare Car Insurance Rates in Chandler
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Chandler for Minimum Coverage
The cheapest insurance you can purchase is for minimum coverage. As far as state-mandated minimum car insurance policies go, these companies have the cheapest prices in Chandler:
- GEICO: $353 annually
- Progressive: $478 per year
The annual cost for USAA state minimum liability-only auto insurance in Chandler is about $379 per year, making it an affordable choice for former and current members of the military.
GEICO’s annual premium is $548 cheaper than MetLife, which offers the same policy at $901, the most expensive in Chandler. Although state minimum liability-only insurance is the least expensive, it doesn’t have comprehensive or collision coverage with far lower liability limits as well. You’ll save money on your annual premiums, but you’re at risk of being underinsured in the event of an accident.
See how rates change when liability limitations increase using the table below.
Cheapest Minimum Liability Car Insurance in Chandler
State Minimum
- CompanyState Minimumper year
- 1.$353
- 2.$379
- 3.$478
- 4.CSAA$510
- 5.$541
Arizona drivers are required by law to have state minimum liability-only insurance of 25/50/15. This is the cheapest auto insurance option you can find in Chandler, but because of its minimum liability coverage, you may have to pay much more out of pocket after an accident.
For example, if you cause an accident, and the other driver's medical bills total $55,000, your minimal coverage insurance will only pay up to $25,000. You’re responsible for paying the remaining $30,000 in medical expenses.
Arizona Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Chandler if You Have Driving Violations
Getting a speeding ticket or a DUI or being found at fault in an accident can raise your car insurance premiums, sometimes by quite a bit. On average, based on your specific violation, the following insurance providers are the most affordable in Chandler:
- Cheapest after a ticket: GEICO, $867 annually
- Cheapest after an at-fault accident: GEICO, $1,058 annually
- Cheapest after a DUI: Progressive, $1,068 annually
If you improve your driving history, you may be able to decrease your premiums. This takes time, however, so shop around for insurance quotes to see which companies in Chandler offer the most affordable rates after a ticket or a car accident.
Cheapest Car Insurance in Chandler With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$867
- 2.$981
- 3.$1,095
- 4.$1,210
- 5.$1,232
Average Cost of Car Insurance in Chandler
Chandler$1,195
Arizona$1,284
U.S.$1,424
Chandler has one of the most affordable auto insurance rates in the state. The average car insurance rate in Chandler is $1,195 annually. This rate is about 6.9% lower than the average state premium of $1,284 and about 16.1% cheaper than the average national premium of $1,424.
Personalized Quotes to Get You the Cheapest Car Insurance in Chandler
The average car insurance rates in Chandler depend on the driver’s age, gender, driving record and location, among other factors. If you have a clean driving record, for example, GEICO’s average annual premium is $731. With a DUI on your record, the average premium could go up to around $1,473. Since rates are likely to change depending on your circumstances, getting a personalized car insurance quote is extremely helpful. Regularly have your quote updated as you may become eligible for discounts, rebates or other savings.
Compare Car Insurance Rates in Chandler
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Chandler
MoneyGeek used average car insurance rates, customer satisfaction and claims ratings to help you find the best car insurance companies in Chandler. Our analysis found that the two companies that offer the best car insurance in Chandler are:
- GEICO: MoneyGeek score of 96 out of 100
- State Farm: MoneyGeek score of 79 out of 100
USAA was not included in this analysis because its policies are only available to current or former members of the military. However, it received a MoneyGeek score of 95 out of 100, indicating that it’s the second-best car insurance company in Chandler for those with a military background.
1
GEICO
Score:96
GEICO received the highest ranking for affordability in Chandler. The company also received high ratings for user satisfaction and claims. A GEICO policy costs an average of $731 per year and comes with optional add-on coverages like mechanical breakdown insurance.
More About GEICO
If your car is less than 15 months old, you can opt for GEICO's mechanical breakdown insurance. This coverage offers insurance for all systems and parts in your vehicle and including those not covered by the dealer warranty.
GEICO’s policyholders can also include optional accident forgiveness coverage in their car insurance to ensure that they will not face higher premiums if they have an at-fault accident. Other optional coverages offered by GEICO include roadside assistance to cover towing and mechanical breakdown labor if your car breaks down. The insurer also offers travel or rental car reimbursement to pay for expenses incurred while your car is in the shop for repairs.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:79
State Farm is one of the best car insurance companies in Chandler, ranking highest for customer satisfaction. It also rates highly for claims and financial stability. On average, car insurance from State Farm costs $1,135 per year and comes with optional coverages like rideshare insurance.
More About State Farm
Rideshare insurance is an add-on coverage offered by State Farm to drivers in Chandler who work with rideshare companies like Uber or Lyft. This coverage ensures that rideshare drivers are covered for medical expenses, emergency roadside assistance and rental car reimbursement while working for a rideshare app.
State Farm also offers standard optional coverages like roadside assistance coverage to reimburse the cost of services like towing and mechanical labor when your car breaks down. Drivers can also include rental car and travel reimbursement coverage to get reimbursed for travel expenses incurred while the car is in the shop for repairs.
Read MoneyGeek's State Farm auto Insurance Review3
American Family
Score:78
4
Hartford
Score:77
5
Country Financial
Score:76
6
Progressive
Score:75
7
AAA
Score:74
8
Travelers
Score:70
9
Nationwide
Score:70
10
Allstate
Score:61
11
Mercury
Score:47
12
Farmers
Score:45
13
Esurance
Score:44
14
MetLife
Score:24
Average Cost of Car Insurance by Postal Code
Location can influence the cost of car insurance. Chandler, for instance, has a relatively low rate of motor vehicle theft and other property crimes compared with other cities in Arizona.
The lowest average annual premium based on ZIP code in Chandler is $1,160, whereas the highest average is $1,217 annually. If you consider moving to another ZIP code, make it a point to get a car insurance estimate based on your planned location and check how it will affect your premium.
- Zip CodeState Minimumper year
- 85249$1,160
- 85224$1,207
- 85225$1,217
Factors That Impact Insurance Costs in Chandler
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Chandler. How Chandler ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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