Cheapest Auto Insurance in Chandler, Arizona (2026)
Auto-Owners offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $50 per month.
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Writer: Theresa Stevens
Writer: Theresa Stevens
Qualifications:
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
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Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
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NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Chandler is the fourth-largest city in Arizona, with a population of around 281,000.[1] On average, Chandler drivers pay $132 per month for auto insurance. Notably, this is lower than the overall national average of $143 per month and the Arizona state average of $127.
Chandler had significantly fewer reports of motor vehicle theft in 2022 than some other Arizona cities, like Phoenix and Glendale, which can partially explain the lower car insurance rates Chandler drivers pay. Your specific premium will ultimately depend on your ZIP code, age, driving record, and the coverage you choose.
Here’s what you need to know to find the best car insurance in Chandler at an affordable price.
Quick Facts
The average cost of car insurance in Chandler is $101 per month for liability coverage and $162 for full coverage.
Because Arizona is an at-fault state, the driver who causes an accident needs to cover the other party’s resulting damage and loss.[2]
Car insurance companies in Arizona can consider a driver’s credit-based insurance score when setting rates.
3 of the cheapest car insurance companies in Chandler
Many car insurance companies offer quality coverage in Chandler for an affordable price. Comparing quotes from multiple insurers can help you find the best insurance policy for your specific needs.
Here are some of the cheapest car insurance companies in Chandler. The average quotes reflect statewide car insurance costs.
Insurance Company | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Auto-Owners | 8.2 | $84 | $49 | Cheap rates |
| Mile Auto | 8.8 | $111 | $60 | Low-mileage drivers |
| State Farm | 9.3 | $103 | $60 | Young driver discounts |
Disclaimer: Table data sourced from real-time Chandler car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chandler may vary based on the policy buyer's unique driver profile.
How Insurify rates insurance companies
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
| User Reviews | 4.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $50/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $87/mo |
4.3
Best choice in Chandler, AZBased on 369 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.5 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.4 | 2.9 |
How drivers feel about Auto-Owners
Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.
Based on analysis of verified reviews collected by Insurify
Best in Chandler for
Showing recent national reviewsSee all 158 Auto-Owners reviews
Verified Review
Reviewed in South Carolina on September 12, 2026
An excellent company that responds!!
Verified Review
Reviewed in Florida on September 7, 2026
We’re very happy, especially since we pay annually. However, the price has gone up a lot.
Verified Review
Reviewed in Michigan on August 28, 2026
I’m not happy about a sudden rate hike of more than 20%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
659
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.46
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Chandler drivers who value affordability may want to consider Auto-Owners because the company offers the cheapest liability and full-coverage rates in the city. Auto-Owners offers standard auto coverages, including liability, collision, comprehensive, road trouble service, additional expense, loan or lease gap, and diminished value coverage.
Drivers can save money on premiums with discounts, including multi-policy, payment history, paid-in-full, advance quote, multi-car, and student discounts.
Pros
Offers 13 discounts
A++ (Superior) financial strength rating from AM Best
Cons
Mobile app rating needs improvement
Must contact an insurance agent for quotes
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $116/mo |
4.5
Best choice in Chandler, AZBased on 220 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 4.0 | 2.9 |
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
Based on analysis of verified reviews collected by Insurify
Best in Chandler for
Showing recent national reviewsSee all 73 Mile Auto reviews
Verified Purchase
Reviewed in Ohio on September 2, 2026
Cheap.
Verified Purchase
Reviewed in Georgia on August 16, 2026
I wasn’t made aware of the pay-per-mile feature until after I received my bill. I suggest making sure clients know in detail what their responsibility is. It helps to know, especially in a world where budgeting is crucial and can make or break financial plans. Thanks.
Verified Review
Reviewed in Florida on July 25, 2026
I thought it would be cheaper. I have to provide a photo of my mileage every month. I don’t drive much, and they aren’t any cheaper.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Known for offering low rates to drivers who drive 10,000 miles or less per year, Mile Auto can charge less because it only bills you for the miles you drive plus a low monthly base rate. The Mile Auto website states that its customers can save between 30% and 40% off their standard insurance rates.
Pros
Offers pay-per-mile car insurance
No tracking device required
Cons
No discounts
Limited coverage options
Best insurer for young driver discounts: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $108/mo |
4.1
Best choice in Chandler, AZBased on 21,518 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best in Chandler for
Showing 72 Arizona reviews for Chandler driversSee all 8,196 State Farm reviews
Verified Review
Reviewed in Arizona on September 29, 2026
Great experience.
Verified Review
Reviewed in Arizona on September 27, 2026
State Farm does not seem to care about the people they insure. They made a payout by accident for something that was not my fault, and my vehicle was damaged.
Verified Review
Reviewed in Arizona on September 16, 2026
State Farm is a wee bit expensive, but I haven’t had any other trouble with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
One of the biggest names in insurance, State Farm provides various products in addition to auto insurance, such as renters insurance, homeowners insurance, life insurance, and more. Notably, State Farm offers some of the best ways for young drivers to save money on auto insurance with good student, driver training, and away at school discounts.
Pros
Multiple savings programs for young adults
Highest J.D. Power customer satisfaction rating in the Southwest region
Cons
Doesn’t offer gap insurance
Coverage options vary by state
How to get the cheapest car insurance in Chandler
Here are a few tips to help you find cheap car insurance coverage in Chandler:
Shop around. Car insurance companies assign different rates depending on how they weigh different criteria, such as your age and driving history. It’s a good idea to shop around and compare quotes from multiple companies to help you find the best policy for your particular situation.
Increase your deductible. Raising your deductible is an easy way to lower your car insurance costs. Generally, the higher your deductible, the lower your premium. Remember that a higher deductible may mean higher out-of-pocket costs if you get into an accident.
Keep a clean driving record. Maintaining a clean driving record can help you save on insurance costs. This is why practicing safe driving habits is crucial, such as adhering to speed limits and not using your phone while driving.
Pay in full. Many car insurance companies offer discounts for paying your premium in full versus monthly. If you can afford to pay the full premium up front, it may help lower your costs overall.
Find Cheap Car Insurance in Chandler, Arizona
Liability coverage starts at $50 per month
Excellent
4.7 out of 5 based on 17,576 reviews
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Cheapest liability-only car insurance in Chandler: Auto-Owners
Liability insurance is a legal requirement for all Arizona drivers. If you cause an accident that results in property damage or bodily injury to others, liability insurance helps cover the bills. Liability insurance typically costs the least because it offers the least amount of coverage.[3]
Here are some of the other cheapest liability-only car insurance coverage quotes in Chandler.
The below rates in Chandler, AZ, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $50 |
| Just Pay-Per-Mile | $51 |
| Mile Auto | $62 |
| State Farm | $63 |
| Sun Coast | $66 |
| Progressive | $67 |
| USAA | $70 |
| Aspire General | $71 |
| Novo Flex | $71 |
| Novo Next | $73 |
| Certainly | $74 |
| Mercury | $78 |
| The General | $78 |
| Novo | $80 |
| Allstate | $85 |
| GEICO | $86 |
| Just Unlimited | $86 |
| Hiroad | $87 |
| Safeco | $87 |
| Direct Auto | $90 |
| Bristol West | $91 |
| Dairyland | $96 |
| National General | $97 |
| Clearcover | $100 |
| AssuranceAmerica | $102 |
| Commonwealth Casualty | $102 |
| Trexis | $102 |
| GAINSCO | $103 |
| Travelers | $109 |
| Covercube | $114 |
| Mendota | $117 |
| Insurify Car | $120 |
| First Acceptance | $122 |
| Country Financial | $123 |
| American Family | $124 |
| The Hartford | $127 |
| Farmers | $128 |
| Root | $145 |
| Liberty Mutual | $146 |
| Hugo | $147 |
Disclaimer: Table data sourced from real-time Chandler car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chandler may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Chandler: Auto-Owners
Full-coverage car insurance offers more protection on the road since it typically includes liability insurance, collision coverage, and comprehensive coverage. People who want to minimize out-of-pocket costs in the event of an accident may want to consider full coverage. If you finance or lease a vehicle, the lender will often require full coverage.
Below, you can find more of the cheapest full-coverage car insurance quotes in Chandler.
The below rates in Chandler, AZ, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $87 |
| Novo Next | $98 |
| Just Pay-Per-Mile | $103 |
| Novo Flex | $105 |
| State Farm | $108 |
| Progressive | $112 |
| Mile Auto | $116 |
| Sun Coast | $119 |
| USAA | $120 |
| Safeco | $131 |
| Novo | $132 |
| Mercury | $140 |
| Allstate | $146 |
| GEICO | $146 |
| Aspire General | $147 |
| Hiroad | $166 |
| Direct Auto | $175 |
| Bristol West | $176 |
| Just Unlimited | $181 |
| Clearcover | $182 |
| Travelers | $186 |
| AssuranceAmerica | $193 |
| Liberty Mutual | $195 |
| National General | $196 |
| The General | $201 |
| Certainly | $204 |
| Country Financial | $211 |
| American Family | $212 |
| The Hartford | $217 |
| Trexis | $218 |
| Farmers | $219 |
| Commonwealth Casualty | $222 |
| Root | $225 |
| Dairyland | $237 |
| GAINSCO | $238 |
| Covercube | $249 |
Disclaimer: Table data sourced from real-time Chandler car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chandler may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Chandler, Arizona drivers
Recent Chandler, Arizona car insurance prices for Nissan, Honda, Ford, and more.
*Quotes generated for Insurify users in and around Chandler, Arizona within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Chandler, Arizona within the last 10 days. Last updated on October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 3, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Arizona follows a traditional tort, or “fault-based,” system when it comes to car accidents. This means if you cause an accident, you’re financially responsible for the other party’s resulting losses. Assuming you have adequate car insurance, your insurer should cover the costs on your behalf, up to your policy limits.
The table below outlines the minimum car insurance requirements under Arizona law:[4]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Many drivers choose to purchase additional coverage to insure their vehicle in a broader range of situations. Optional coverages to consider include:
Collision coverage
If you have a collision with another vehicle or object, collision coverage can kick in to pay for your vehicle damages.
Comprehensive coverage
Comprehensive coverage can pay for damage from non-collision incidents, like severe weather, fire, theft, or vandalism.
Gap insurance
Gap insurance helps pay off the remaining balance on your car loan if you total your car or someone steals your vehicle and you owe more than its depreciated value.
Roadside assistance
Roadside assistance pays for jump-starts, tire changes, tows, and more if your car breaks down.
New car replacement
New car replacement coverage will pay to replace your totaled or stolen vehicle with one of the same make and model.
Cheapest car insurance for drivers with an incident
Your car insurance may increase if you have incidents on your driving record, such as at-fault accidents, driving under the influence, and speeding. An insurer may view drivers with a history of incidents as higher-risk and adjust rates accordingly.
If you receive a conviction for a moving violation in Arizona, you may earn points on your record. For example, drivers can earn eight points for a DUI and three points for speeding. Earning eight or more points in 12 months can result in mandatory attendance at a traffic school or the suspension of driving privileges. [5]
Compare average quotes from Chandler insurers by driving record below.
The below rates in Chandler, AZ, are estimated rates current as of: Wednesday, September 30 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Auto-Owners | $50 | $66 | $68 | $68 |
| Just Pay-Per-Mile | $51 | $66 | $70 | $72 |
| Mile Auto | $62 | $76 | $85 | $88 |
| State Farm | $63 | $81 | $86 | $89 |
| Sun Coast | $66 | $86 | $90 | $93 |
| Progressive | $67 | $87 | $92 | $95 |
| USAA | $70 | $91 | $96 | $99 |
| Aspire General | $71 | $92 | $97 | $100 |
| Novo Flex | $71 | $92 | $97 | $100 |
| Novo Next | $73 | $95 | $100 | $103 |
| Certainly | $74 | $96 | $101 | $104 |
| Novo | $80 | $104 | $110 | $113 |
| The General | $78 | $106 | $109 | $108 |
| Mercury | $78 | $109 | $118 | $118 |
| Allstate | $85 | $110 | $117 | $120 |
| Just Unlimited | $86 | $111 | $118 | $121 |
| Hiroad | $87 | $113 | $119 | $123 |
| GEICO | $86 | $114 | $116 | $123 |
| Direct Auto | $90 | $115 | $125 | $128 |
| Safeco | $87 | $116 | $123 | $137 |
| Bristol West | $91 | $117 | $123 | $129 |
| Dairyland | $96 | $121 | $129 | $136 |
| National General | $97 | $123 | $131 | $138 |
| Commonwealth Casualty | $102 | $125 | $137 | $144 |
| GAINSCO | $103 | $126 | $134 | $146 |
| Clearcover | $100 | $129 | $145 | $138 |
| AssuranceAmerica | $102 | $132 | $138 | $145 |
| Trexis | $102 | $132 | $140 | $144 |
| Travelers | $109 | $143 | $151 | $155 |
| Covercube | $114 | $148 | $156 | $161 |
| Mendota | $117 | $152 | $160 | $165 |
| Insurify Car | $120 | $155 | $165 | $169 |
| First Acceptance | $122 | $158 | $167 | $172 |
| American Family | $124 | $162 | $171 | $169 |
| Farmers | $128 | $166 | $175 | $182 |
| Country Financial | $123 | $167 | $172 | $171 |
| Root | $145 | $176 | $186 | $206 |
| The Hartford | $127 | $176 | $182 | $188 |
| Liberty Mutual | $146 | $189 | $198 | $207 |
| Hugo | $147 | $190 | $202 | $207 |
Disclaimer: Table data sourced from real-time Chandler car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Chandler may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age can significantly affect the cost of car insurance. Generally, car insurance rates decrease for drivers around age 35 but increase again around age 70. One reason senior drivers older than 70 face higher car insurance rates is due to aging-related issues that can affect driving ability, which poses an increased risk to the insurance company.
Teen drivers typically pay the highest car insurance rates out of all age groups because statistics show teens are more likely to get into car accidents.
Here are the average car insurance quotes for drivers of different ages in Chandler.
Age | Average Monthly Quote |
|---|---|
| Teens | $355 |
| 20s | $237 |
| 30s | $170 |
| 40s | $153 |
| 50s | $131 |
| 60s | $121 |
| 70s | $135 |
Disclaimer: Table data is based on real-time Chandler quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Car Insurance in Chandler, AZ
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Chandler car insurance quotes by credit tier
Arizona allows auto insurers to consider credit history when calculating insurance rates. Chandler drivers with excellent or good credit may pay lower rates, while Chandler drivers with poor credit may pay higher rates.[6]
Here are the average full-coverage insurance quotes for drivers in Chandler by credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $140 |
| Good | $166 |
| Fair | $182 |
| Poor | $275 |
Chandler car insurance FAQs
Before you start shopping around for auto insurance, you should determine the right amount of coverage you need. The following information should help you navigate the process of buying car insurance in Chandler.
How much is car insurance in Chandler?
The overall average cost of car insurance in Chandler is $132 per month. Drivers in Chandler pay $101 per month for liability coverage and $162 for full-coverage insurance, on average. Ultimately, your premium will depend on your age, driving record, credit history, and more.
Who has the cheapest car insurance in Chandler?
Auto-Owners is the cheapest car insurance company in Chandler, with a liability rate of $50 per month. Just Pay-Per-Mile and Mile Auto also offer affordable liability insurance, with respective rates of $51 and $62 per month. The best way to find cheap coverage is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Chandler?
With a high Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and customizable coverage options, State Farm is the best car insurance company in Chandler. Arizona drivers pay $60 per month for liability coverage and $103 for full-coverage insurance from State Farm. Other top insurers include Auto-Owners and Mile Auto.
Sources
- United States Census Bureau. "QuickFacts Chandler city, Arizona."
- NOLO. "Arizona Car Insurance Laws."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers."
- Arizona Department of Transportation. "Points Assessment."
- Consumer Protection Division Arizona Department of Insurance. "Consumer Guide How Insurance Companies Use Credit Information."
Methodology
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
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Arizona Car Insurance Requirements in 2026
The state of Arizona requires drivers to carry at least $25,000 in bodily injury liability coverage per person, $50,000 per accident, and $15,000 in property damage liability coverage.
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SR-22 Insurance in Arizona: Cost, Requirements, and Cheapest Companies
The average monthly cost of SR-22 insurance in Arizona is $120 for liability-only insurance and $214 for full coverage.
Temporary Car Insurance in Arizona: What Your Short-Term Options Really Are
True temporary car insurance doesn’t exist in Arizona, but you can find flexible weekly or monthly payment plans that make coverage more affordable.
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Why Is Car Insurance So Expensive in Arizona?
Arizona car insurance averages $1,519 annually — 11% cheaper than the national average.
Cheap Full-Coverage Car Insurance in Arizona
Arizona drivers can find the cheapest full-coverage car insurance from Auto-Owners, with rates of $84 per month.
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Cheapest Liability Car Insurance in Arizona
Arizona drivers can find the cheapest liability-only car insurance from Just Pay-Per-Mile, with an average rate of $49 per month.
Cheap Car Insurance for Low-Income Drivers in Arizona
Just Pay-Per-Mile has the cheapest liability car insurance in Arizona, with an average rate of $49 per month.
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Is Car Insurance Cheaper in Arizona than in California?
Arizona typically has cheaper car insurance than California due to lower liability coverage requirements and lower population density.
Arizona Rental Car Insurance Laws: Whose Insurance Pays in an Accident?
Arizona law says the rental company’s insurance is on the hook first, unless the company includes a statutory disclosure in your rental agreement that shifts liability to you.
Arizona Car Insurance Laws
Arizona uses an electronic insurance verification system to ensure every driver has at least the required minimum liability coverage. Insurers must also offer uninsured and underinsured motorist coverage.
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Is Arizona a No-Fault State for Auto Insurance?
Arizona is an at-fault state, not a no-fault state, for car insurance. This means the at-fault driver’s insurance pays for damages sustained in an accident.
Cheapest Car Insurance Quotes in Arizona
Just Pay-Per-Mile offers the cheapest car insurance in Arizona, with liability coverage averaging $49 per month. Arizona’s low population density and short commute times contribute to its below-average rates.
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Cheap Auto Insurance in Casa Grande, Arizona
Auto-Owners offers the cheapest car insurance in Casa Grande, with minimum-coverage policies as low as $46 per month.
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Cheapest Auto Insurance in Flagstaff, Arizona
Auto-Owners offers the cheapest car insurance in Flagstaff, with minimum-coverage policies as low as $39 per month.
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Cheap Auto Insurance in Glendale, Arizona
Auto-Owners offers the cheapest car insurance in Glendale, with minimum-coverage rates starting at $64 per month.
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Cheapest Auto Insurance in Lake Havasu City, Arizona
Auto-Owners offers the cheapest car insurance in Lake Havasu City, with rates as low as $32 per month.
Cheap Car Insurance Quotes in Mesa, Arizona (October 2026)
Auto-Owners offers the cheapest insurance in Mesa, with an average rate of $51 per month. In Mesa, main corridors like I-70, North Ave, and Patterson Road account for a high number of crashes.
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Cheapest Car Insurance Quotes in Phoenix (October 2026)
Auto-Owners offers the cheapest car insurance in Phoenix, averaging $67 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
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Cheap Auto Insurance in Scottsdale, Arizona
Auto-Owners offers the cheapest car insurance in Scottsdale, with minimum-coverage policies as low as $51 per month.
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Cheapest Auto Insurance in Tempe, Arizona
Auto-Owners has the cheapest liability car insurance in the state, with a rate of $56 per month.
Cheap Car Insurance Quotes in Tucson (October 2026)
Auto-Owners offers the cheapest car insurance in Tucson, with rates of $47 per month. Car insurance rates in Tucson are usually slightly cheaper than the Arizona state average.
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Cheap Car Insurance Quotes in Yuma, Arizona (October 2026)
The cheapest car insurer in Yuma, Arizona, is Auto-Owners, with an average liability-only rate of $39 per month. Yuma car insurance premiums tend to be cheaper than those in other Arizona cities due to low accident rates and lower population density.
Writer: Theresa Stevens
Writer: Theresa Stevens
Qualifications:
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Editor: Katie PowersLicensed P&C Agent, Senior Insurance Editor
Qualifications:
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.