Cheap Auto Insurance Quotes in Chandler, AZ (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$73
$122
$127
$189
$201
State FarmAllstateTravelersThe GeneralLiberty Mutual
Monthly $

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

Quotes by Top Carriers
Quotes ($/mo)
$159
$196
$148
$163
$146
$142
ArizonaPhoenixTucsonMesaGilbertChandler
Monthly $

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Chandler, AZ Driving Facts

arizona

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

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.

Driving History
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.

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.

Find local Chandler agents

1st Choice Insurance - a Canyon Lands Insurance Agency
2500 N Alma School, Chandler, AZ 85224
Service First Insurance LLC
283 S Arizona Ave #2, Chandler, AZ 85225
Cell Brokerage - Chandler
800 N 54Th St, Chandler, AZ 85226
Parrish Insurance Agency
1256 W Chandler Blvd Ste G, Chandler, AZ 85224
Capital Direct Financial Corporation
3133 W Frye Rd, Chandler, AZ 85226
Kirkpatrick Insurance Services, Inc.
6909 W Ray Rd, Chandler, AZ 85226-1699
Cindy Williams Insurance LLC
N Velero St, Chandler, AZ 85225
National Mobile Home Insurance Company
3135 S Price Rd, Chandler, AZ 85248-3548
JP Insurance Group LLC
2051 W Warner Rd, Chandler, AZ 85224-2100
San Marcos Insurance Group LLC
584 W Chandler Blvd, Chandler, AZ 85225-7531

Insurify Insights: How Chandler Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Chandler, AZ
suspended licenses
#18
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Chandler drivers measure up to their fellow Arizona motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Chandler

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Chandler drivers rank 15 in the number of car accidents per driver across all cities in Arizona.

  • Rank within state: #15
  • Percent of drivers in Chandler with an accident: 10.1%
  • Drivers in Chandler, AZ with an accident in their driving history paid on average 35.8% more than drivers with a clean record

Speeding Chandler

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Arizona, Chandler drivers rank 17 in the number of speeding infractions per driver.

  • Rank within state: #17
  • Percent of drivers in Chandler with a speeding ticket: 8.41%
  • Drivers in Chandler, AZ with a speeding ticket in their driving history paid on average 29.55% more than drivers with a clean record

DUI/DWIs Chandler

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Chandler drivers rank 11 in the number of DUI’s per driver across all cities in Arizona.

  • Rank within state: #11
  • Percent of drivers in Chandler with a DUI: 2.3%
  • Drivers in Chandler, AZ with a DUI in their driving history paid on average 11.93% more than drivers with a clean record

Most Popular Vehicle Chandler

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Chandler is the Toyota Corolla.

Rude Chandler

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Arizona, Chandler drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Chandler with a reckless driving violation: 2.69%
  • Drivers in Chandler, AZ with a reckless driving violation in their driving history paid on average 26.7% more than drivers with a clean record.

Safest Drivers Chandler

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Chandler drivers rank 15 in clean driving records across all cities in Arizona.

  • Rank within state: #15
  • Percent of drivers in Chandler with clean record: 81.19%

Failure to Yield the Right of Way Chandler

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Chandler drivers rank 6 in failure to yield violations per driver across all cities in Arizona.

  • Rank within state: #6
  • Percent of drivers in Chandler with a failure to yield violation: 0.65%
  • Drivers in Chandler, AZ with a failure to yield violation in their driving history paid on average 1200% more than drivers with a clean record

Reckless Drivers Chandler

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Arizona, Chandler drivers rank 9 in the number of reckless driving offenses per driver.

  • Rank within state: #9
  • Percent of drivers in Chandler with a reckless driving offense: 0.09%

Hybrid/Electric Vehicle Ownership Chandler

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Chandler drivers rank 5 in hybrid and electric vehicle ownership across all cities in Arizona.

  • Rank within state: #5
  • Percent of drivers in Chandler with a hybrid/electric vehicle: 1.88%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.