Compare 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.

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The Cheapest and Best Car Insurance in Chandler

The Cheapest Car Insurance Companies in Chandler

The insurers with the cheapest average rates for a full coverage policy in Chandler are:

  • GEICO: $731 per year
  • USAA: $771 per year (only available for current and former military)

When it comes to auto insurance companies that offer affordable premiums, GEICO is the most affordable option in Chandler. With an average annual premium of $731, GEICO is the cheapest among the top 15 car insurance companies in Chandler. Their rate is about $463 lower than the city average and around 141% less than MetLife, which is the most expensive auto insurance provider in the city.

Other affordable car insurance companies with an average annual premium lower than $1,000 in Chandler are Progressive and Hartford. In contrast, MetLife has the highest annual average premium at $1,762 — that’s more than twice as much as the cost of the cheapest option (GEICO).

For this study, MoneyGeek collected average car insurance rates in Chandler based on a sample driver profile. This sample driver is a 40-year-old male with a full coverage policy including both liability and comprehensive and collision coverage.

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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.

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The Best Car Insurance Companies in Chandler

For drivers in Chandler looking for a balance between affordability and quality service, MoneyGeek ranked the best insurance providers in the city. Based on MoneyGeek’s research, the best options for most drivers are:

  • GEICO: MoneyGeek score 90 out of 100
  • State Farm: MoneyGeek score 85 out of 100

USAA received the highest score in Chandler by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To calculate these final scores, MoneyGeek used several factors, including J.D. Power ratings for user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

4
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:83

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:83

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:78

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

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.

Shopping around for car insurance in Chandler could save you $463, which is enough to buy:


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154Cups of Coffee
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36Months of Your Favorite Streaming Service

Cheapest Car Insurance in Chandler by Coverage Amount

In Chandler and elsewhere, the amount of coverage you include in your policy greatly influences your car insurance prices. For example, a state minimum liability policy costs an average of $614 per year, while a full coverage policy with higher liability limits costs $1,195 on average. That is a difference of $580.

Arizona Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.

If you have the budget, it’s more practical to choose full coverage instead of the state minimum or liability-only coverage. For an average difference of only $134, you can upgrade your insurance with GEICO from 50/100/50 liability-only to a 50/100/50 full-coverage policy.

Note that liability-only coverage pays only for injuries and property damage incurred by the other party in the accident. Full coverage, on the other hand, also covers your own costs.

A 50/100/50 policy covers $50,000 for bodily injuries per person, up to a maximum of $100,000 per accident, with $50,000 in property damages.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Chandler if You Have Driving Violations

Responsible drivers with clean records enjoy affordable car insurance quotes in Chandler. But for drivers with violations like a DUI or at-fault accidents, rates could go much higher.

For a driver with no violations on record, the cheapest average annual premium is $731 with GEICO. With a DUI violation, the average premium more than doubles, to around $1,473 annually. Chandler residents may also opt for Progressive or Hartford, either of which offers no-violations premiums for less than $1,000 annually on average. MetLife has the highest average premium annually, at $1,762 for no violations and $3,583 with DUI, respectively.

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 to other cities in Arizona.

The lowest average annual premium based on ZIP code in Chandler is $1,160, while 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 Code
    State Minimumper year
  • 85249
    $1,160
  • 85224
    $1,207
  • 85225
    $1,217
iconribbontop ratedCar Insurance agentsChandler2021

Top Agents Offering Affordable Car Insurance in Chandler

1. Blue Lion Insurance Brokers312 N Alma School Rd, Ste 15, Chandler, AZ, 85224
16 ratings
2. J William Quigley - State Farm Insurance Agent825 W Warner Rd, Chandler, AZ, 85225
9 ratings
3. Scott Thomas - State Farm Insurance Agent348 W Chandler Blvd, Ste 1, Chandler, AZ, 85225
6 ratings
4. Allstate Insurance: Jason Tuttle985 W Chandler Heights Rd, Ste 3, Chandler, AZ, 85248
5 ratings
5. John Lang - State Farm Insurance Agent995 E Ocotillo Rd, Ste 4, Chandler, AZ, 85249
3 ratings

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.

accident2 icon
Most Accidents With Fatalities182nd/300
handcuffs2 icon
Most Car Thefts127th/300
uninsured icon
Most Uninsured Motorists by State24th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall290th/300
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Most Rainy Days260th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Chandler are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.