In Chandler, American Family offers the best home insurance, balancing affordability, customer service and coverage options. For those putting price first, State Farm provides the most affordable home insurance at $164 per month.
Cheap Home Insurance in Chandler
Updated: October 30, 2025
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Key Takeaways
American Family is the best overall home insurance company in Chandler, while State Farm is the cheapest at around $1,963 per year.
Home insurance in Chandler costs an average of $452 per month or $5,425 per year for most homeowners.
To get the best and cheapest home insurance in Chandler, assess your coverage needs beforehand, research costs and companies, and compare multiple quotes.
Best Cheap Home Insurance Companies in Chandler
| American Family | 92 | $210 | $2,521 |
| State Farm | 92 | $164 | $1,963 |
| Nationwide | 78 | $279 | $3,346 |
| Farmers | 75 | $301 | $3,612 |
| Allstate | 67 | $307 | $3,687 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Chandler Home Insurance Cost?
Home insurance rates in Chandler depend on factors like your home’s age, chosen coverage and personal profile. Costs range from $159 to $1,424 monthly. Below, you can compare personalized rates based on your home age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $159 | $1,907 |
How to Get the Best Cheap Home Insurance in Chandler
Finding affordable home insurance in Chandler can be challenging. We've put together a step-by-step guide to help you discover the best cheap homeowners insurance for your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Researching average home insurance costs in Arizona for your city and profile can help you gauge potential savings. You can also explore the best homeowners insurance in Arizona to see which companies consistently offer affordable rates and reliable coverage across the state, giving you a clearer picture of what to expect in Chandler.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Chandler: Bottom Line
The best and most affordable home insurance companies in Chandler are American Family, State Farm and Nationwide. For a broader look at coverage and pricing trends across the state, our analysis of cheap homeowners insurance in Arizona breaks down which insurers consistently deliver the best value beyond Chandler.
Chandler Home Insurance: FAQ
Below, we answer common questions about Chandler home insurance.
Who offers the best home insurance in Chandler?
We recommend American Family as the best home insurance provider in Chandler for its affordable pricing, excellent customer service and comprehensive coverage options. Additionally, consider getting quotes from State Farm, Nationwide, Farmers and Allstate.
Who has the cheapest home insurance in Chandler?
State Farm has the most affordable home insurance for the average homeowner in Chandler, with an average cost of $164 per month or $1,963 per year. Rates will differ based on individual factors and chosen coverage levels.
What does home insurance cost in Chandler?
Home insurance costs in Chandler range from $1,907 to $17,094 annually, with rates influenced by specific property and homeowner details.
How We Decided the Best Cheap Home Insurance Companies in Chandler
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Chandler. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.