If you’re looking for the cheapest policies, consider Mercury for minimum coverage and Travelers for full coverage, teen drivers and the military. Root Insurance Company is an affordable choice for those with an at-fault accident or DUI. Auto-Owners Insurance Co offers the best coverage for tickets and service quality.
Note that your needs and driver profile influence the cheapest quotes available.
Cheapest and Best Car Insurance in Chandler
Cheapest Minimum Liability Car Insurance in Chandler
The most affordable auto insurance providers for a minimum coverage policy are, on average:
- Mercury: $337 per year
- Travelers: $343 per year
The General charges the priciest quotes at an average of $1,333 per year. As of October 2022, the cheapest auto insurance provider in Arizona is also Mercury, with policies that cost around $308 per year. Since location can affect your quotes, it could be a reason why premiums in Chandler are slightly more expensive.
In Arizona, drivers are required to have minimum liability coverage that includes bodily injury and property damage liability. The limits are:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Drivers who are found at fault in an accident are covered for damages to other drivers and passengers. The insurance company helps pay for the medical bills of each person up to $25,000 with a cap of $50,000 per incident, no matter how many passengers are involved. You’ll most likely pay for expenses beyond these limits.
Cheapest Full Coverage Car Insurance in Chandler
Chandler drivers will generally find the cheapest rates from the following insurers:
- Travelers: $700 per year
- Root Insurance Company: $709 per year
Costing $2,705 annually, The General provides the most expensive premiums. As of October 2022, Root Insurance Company offers cheap full coverage car insurance in Arizona, costing an average of $682 per year.
Full coverage includes collision and comprehensive insurance, offering more protection in the event of an accident.
- Comprehensive insurance: Helps pay for non-collision incidents, including falling objects, severe weather or theft.
- Collision insurance: Covers damages to your vehicle in case of a crash with another car or object.
Drivers with newer vehicles stand to gain more from full coverage since it protects their recent investment. Full coverage might not be beneficial for those with older cars.
Cheapest Car Insurance in Chandler After a Driving Offense
Drivers with an infraction are likely to find cheap car insurance rates with these providers:
- Speeding ticket: Auto-Owners Insurance Co ($732 per year)
- At-fault accident: Root Insurance Company ($889 per year)
- DUI: Root Insurance Company ($783 per year)
The General offers the most expensive quotes across all types of offenses. On average, annual rates are $3,834 after an accident, $3,525 following a DUI and $3,243 for drivers with a speeding ticket. Having a driving violation can significantly raise auto insurance premiums.
Anticipate more expensive auto insurance premiums following a severe violation. In Chandler, drivers with a speeding ticket on their record pay $355 more annually, while those with a DUI pay $745 more compared to drivers with no offenses. It’s still possible to get cheap car insurance rates for poor driving records.
Cheapest Car Insurance in Chandler for Teens and Their Families
For a 16-year-old driver on a family policy, the cheapest auto insurance companies are:
- Travelers: $1,648 per year for female teens and $1,967 per year for male teens
- Nationwide: $2,288 per year for female teens
- GEICO: $2,571 per year for male teens
Allstate charges the most expensive premiums, costing $3,631 per year for female teens and $5,035 per year for male teens. There is a $321 difference between the rates for male and female teens with a Travelers policy. This is because teenage males are considered riskier to insure.
You can save on auto insurance by including your teen driver on the family policy instead of purchasing a separate one. Adding a male teen to a family policy costs around $2,894 less than the individual policy. Compare different providers to find the cheapest car insurance for teens.
Cheapest Car Insurance in Chandler for Military Drivers
Drivers can find cheap car insurance for military personnel with the following auto insurance companies:
- Travelers: $700 per year
- USAA: $706 per year
These quotes are for a full coverage policy. If you prefer minimum coverage, you can get a great deal with USAA (around $232 per year) or Mercury (roughly $337 per year).
How to Compare Cheap Chandler Car Insurance Quotes Online
Selecting the right provider can take up a significant amount of time since it takes about 15 minutes per insurer to get a quote. Simplify your car insurance search by using MoneyGeek's auto insurance calculator and get an estimate. Instead of entering your personal information into different provider websites, you only need to do it once with our calculator. Just input your car, age, driving record and preferred coverage to quickly get an estimate of your rates.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Chandler: Summary
The best auto insurance for you depends on your priorities. Here are the top companies for different categories:
- Best overall: Auto-Owners Insurance Co (MoneyGeek score of 81 out of 100)
- Best for service: Auto-Owners Insurance Co (MoneyGeek score of 66 out of 100)
- Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)
Auto-Owners Insurance Co even ranked as the best car insurance in Arizona. Consider purchasing a policy with USAA if you have a military background. The provider garnered a MoneyGeek score of 84 out of 100. The insurers' scores were adjusted based on each category’s weighting.
Best Overall Car Insurance in Chandler
After ranking insurers based on customer service and affordability, we determined that the best auto insurance companies are:
- Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($732 per year)
- Travelers: MoneyGeek score of 78 out of 100 ($700 per year)
Auto-Owners Insurance Co scored well for affordability and coverage options. USAA is an ideal option if you’re an active member of the military or a veteran. It earned a MoneyGeek score of 84 out of 100.
Has the third least expensive rate out of 15 providers
Multiple add-ons available such as accident forgiveness
Offers diminished value coverage
Scored low in claims management
No new car replacement or rideshare coverage
With Auto-Owners Insurance Co, you’re guaranteed access to several supplementary coverages at an affordable price. The insurer provides handy coverages that offer a decent return on your investment.
In the event of a collision, repairs might not be sufficient to fully restore your vehicle. Using diminished value coverage protects your investment since you’re compensated for its decreased value. Drivers who encounter their first at-fault accident get their accident surcharge waived. To qualify, drivers must not have any at-fault claims or serious violations in the 36 months prior to purchasing at-fault accident forgiveness coverage. This is especially beneficial to those who drive for long hours or use their car often.
Another great add-on is roadside assistance, which can help policyholders immediately access services such as a tire change or mechanical repair.
Best Car Insurance in Chandler for Customer Service
We excluded affordability when ranking the best car insurance companies for customer satisfaction. Top-performing providers include:
- Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 ($732 per year)
- Country Financial: MoneyGeek score of 65 out of 100 ($1,267 per year)
Auto-Owners Insurance Co earned strong marks in coverages and service quality. Based on our comparison, its premiums are also relatively cheap, so you’re getting a solid deal for great service.
Scored well in customer satisfaction
High affordability score
Deductible modification available
Claims processing is somewhat lacking
Auto-Owners Insurance Co is a stellar option since it surpassed competitors in customer satisfaction and also offers a wide selection of optional coverages at a great price.
With deductible modification, drivers who are involved in an accident with another vehicle insured by Auto-Owners can waive their collision deductible. This can be a great perk to have if you drive frequently. Policyholders can also get gap insurance, a beneficial coverage if they encounter an accident. It pays for the difference between the current value of your car and the outstanding balance on your loan or lease.
You can also buy the Personal Automobile Plus Package, which includes more than 10 extra coverages that can protect you against expenses incurred from identity theft, rekeying locks, cell phone replacement and more. It suits drivers who don’t really know what add-on to buy but want a decent mix of coverages.
Best Cheap Car Insurance Companies in Chandler
We ranked the best car insurance providers that offer the least expensive minimum coverage policies following Arizona law:
- Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 ($352 per year)
- Travelers: MoneyGeek score of 80 out of 100 ($343 per year)
Liability-only policies often have lower premiums but don’t usually provide sufficient financial protection. In case of an accident, you’re only insured for liability expenses and not for damages to your car.
Ranked highly in affordability, costing $352 per year
Provides several coverages available to most drivers
Discounts include early signing, bundling and anti-theft system
Earned the lowest rating in claims out of all categories
Auto-Owners Insurance Co is our category winner since it offers the third least expensive rates and offers a decent variety of optional coverages. Its premiums cost approximately $29 per month, not including potential discounts that can further slash rates. A few common Auto-Owners discounts include bundling, multiple cars and safe driving.
You can get cheaper premiums if your vehicle is equipped with safety features like anti-lock brake systems (ABS), airbags or anti-theft devices. Auto-Owners also has a paperless discount where you opt to receive billing and pay for policies online plus pay-in-full if you promptly pay your annual premium. Policyholders can even take advantage of rarer discounts that most providers don’t offer. New applicants can get a discount with early signing as long as they request a quote before their policy's effective date. Drivers who have sent payments on time for the past 36 months may qualify for the responsible payment discount.
Average Cost of Car Insurance in Chandler
The average cost of auto insurance in Chandler is $1,134 per year, slightly cheaper than the cost of auto insurance in Arizona at $1,193 per year. Premiums in Chandler are also $131 cheaper than the national average.
We used rates for a full coverage policy that included $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Location is just one of many factors impacting the cost of car insurance.
About Mark Fitzpatrick