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.
bestauto insuranceChandler2021The 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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- CompanyAmountper year
- 1.$731
- 2.$771
- 3.$908
- 4.$999
- 5.$1,059
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.
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
2
GEICO
Score:90
3
State Farm
Score:85
4
Allstate
Score:83
5
CSAA
Score:83
6
Liberty Mutual
Score:83
7
American Family
Score:80
8
Travelers
Score:80
9
Safeco
Score:78
10
Farmers
Score:78
11
Progressive
Score:78
12
Nationwide
Score:75
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:
154Cups of Coffee
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
- ItemDescription
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$353$490
- 2.$379$467
- 3.$478$645
- 4.$541$741
- 5.$589$708
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$623$731
- 2.$720$771
- 3.$818$908
- 4.$933$999
- 5.$1,014$1,060
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$867$1,058$1,473
- 2.$1,095$1,095$1,095
- 3.$981$1,180$1,791
- 4.$1,232$1,551$1,068
- 5.$1,238$1,341$1,238
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 CodeState Minimumper year
- 85249$1,160
- 85224$1,207
- 85225$1,217
top ratedCar Insurance agentsChandler2021Top Agents Offering Affordable Car Insurance in Chandler
1. Blue Lion Insurance Brokers312 N Alma School Rd, Ste 15, Chandler, AZ, 85224
2. J William Quigley - State Farm Insurance Agent825 W Warner Rd, Chandler, AZ, 85225
3. Scott Thomas - State Farm Insurance Agent348 W Chandler Blvd, Ste 1, Chandler, AZ, 85225
4. Allstate Insurance: Jason Tuttle985 W Chandler Heights Rd, Ste 3, Chandler, AZ, 85248
5. John Lang - State Farm Insurance Agent995 E Ocotillo Rd, Ste 4, Chandler, AZ, 85249
Insurance Providers That Serve Chandler
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.
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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