Cheap Auto Insurance Quotes in Chandler, AZ (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Unless you just happen to be in the know, it may surprise you to find out that the Annual Ostrich Festival is held here in Chandler. You know, those funny birds that stick their heads in the sand? Hiding from your insurance responsibilities here, however, isn’t an option.

Celebrating Chandler’s early history of ostrich ranching, this party brings out up to 350,000 people each spring. Fun? How could it not be? But your chances of getting into a fender bender are likely to go up as well. Driving with affordable insurance to this festival—or anywhere around Chandler should be a top consideration.

Car Insurance in Chandler, AZ

The average cost of Arizona car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Chandler, AZ to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Chandler, AZ

Here are the cheapest carriers in Chandler for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Chandler, AZ

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Chandler. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Chandler, AZ Driving Facts

Minimum Car Insurance Requirements in AZ

Arizona does not mandate that its drivers purchase insurance. However, if you choose not to, you do have to be ready to put up a bond totaling $40,000 to prove you can pay for damages that might result from a traffic accident.

Arizona's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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Chandler Car Insurance Rates by Driver Age

Teen drivers who navigate Chandler’s busy streets are typically charged more than double for their car insurance premiums compared to some other residents, with rates that average $428. As motorists in this city get older, their premiums drop considerably, and by the time people are old enough to be considered senior citizens, they tend to pay anywhere from $171 to $183, depending on their age bracket.

Driver's AgeAvg. Monthly Cost
teens$429
20s$249
30s$187
40s$291
50s$200
60s$172
70s$184
80s$182
Driving HistoryAvg. Monthly Cost
No Violation$232
Speeding Ticket$224
At-Fault Accident$282
Failure to Stop for Red Light / Stop Sign$209

Chandler Car Insurance Rates by Driving and Accident History

It’s never a great idea to add moving violations to your driving record, but at least in Chandler, you won’t have to pay an overinflated rate for your car insurance. Drivers with a clean history tend to pay an average of $231, while involvement in an at-fault accident will push prices up to around the $281 range.

Chandler Car Insurance Rates by Credit Tier

Some cities emphasize credit ratings when calculating car insurance prices, but Chandler isn’t one of them. Drivers with a poor or average credit history pay $225 and $226, respectively, while motorists with a good credit rating pay the least, at $202. Should you fall into the excellent tier, you can expect to be charged $263. While this is the highest premium of them all, it isn’t much higher than the other rates.

Credit TieAvg. Monthly Cost
Excellent$264
Good$203
Average$227
Poor$226

Chandler, AZ DMV Information

Looking online for the answer to that DMV question? The AZ DOT is home to all things transportation-related, including driver services and vehicle registration. In Arizona, instead of “DMV,” “MVS” is the acronym most commonly used and stands for “motor vehicle services.” Speaking of standing, don’t stand in line for motor vehicle services in Chandler unless you really want to. You can complete the most frequently requested MVS options, like registering a vehicle or renewing your driver’s license, from your own computer. Authorized third parties (or ATPs) are also in place across the state to help you take care of things like title and registration and driver’s license applications. The Chandler DMV office is located at 50 S Beck Ave.

Public Transportation in Chandler, AZ

Looking online for the answer to that DMV question? The AZ DOT is home to all things transportation-related, including driver services and vehicle registration. In Arizona, instead of “DMV,” “MVS” is the acronym most commonly used and stands for “motor vehicle services.” Speaking of standing, don’t stand in line for motor vehicle services in Chandler unless you really want to. You can complete the most frequently requested MVS options, like registering a vehicle or renewing your driver’s license, from your own computer. Authorized third parties (or ATPs) are also in place across the state to help you take care of things like title and registration and driver’s license applications. The Chandler DMV office is located at 50 S Beck Ave.

Conclusion: How to get the best and cheapest car insurance in Chandler, AZ

Yes, Chandler celebrates ostriches. As silly as it sounds, they can outrun a horse! Know what isn’t a silly thing to consider? Getting better car insurance coverage by shopping online.

Shopping insurance companies one data point at a time is a grind. Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Chandler stacks up for the state of Arizona:

toyota
Toyota Camry
Most Popular Car in
Chandler, AZ
suspended licenses
#28
Cities with Most
Suspended Licenses Rank

FAQs - Chandler, AZ Car Insurance

Can I drive without insurance in Arizona?

No. It’s illegal to drive without insurance in Arizona. You must at least carry enough insurance to meet state minimum requirements. Driving without insurance in Arizona puts you at great financial risk should you get into an accident, and you risk losing your driving privileges for up to a year and paying fines of up to $1,000. Finally, Arizona can require that you file an SR-22 Certificate with your insurance provider, which will definitely raise your insurance rates.

How much car insurance do I have to have in Arizona?

In July 2020, the minimum car insurance requirements in Arizona changed significantly. You now have to have the following insurance minimums: $25,000 for one person sustaining bodily injury or death in an accident, $50,000 for two or more persons sustaining bodily injury or death in an accident, and $15,000 for property damage coverage.

Can insurance companies use my credit score to calculate my insurance rates?

Although some states like California do not use credit scores when calculating insurance rates, many states still do, including Arizona. Other things Arizona insurance companies use to determine your risk and rate include your age, your job, the amount of education you have, your gender, your marital status, your ZIP code, your driving record, and how much coverage you want.