Cheapest Auto Insurance in Chandler, Arizona (2026)
Auto-Owners offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $49 per month.
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Theresa Stevens
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6 years experience in the personal financial industry
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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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 $129 per month for auto insurance. Notably, this is lower than the overall national average of $142 per month and the Arizona state average of $126.
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 $98 per month for liability coverage and $160 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 | $86 | $48 | Cheap rates |
| Mile Auto | 8.8 | $105 | $57 | Low-mileage drivers |
| State Farm | 9.3 | $107 | $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.
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. | $49/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. | $88/mo |
4.3
Best choice in Chandler, AZBased on 349 verified driver reviews and ratings
Auto-Owners's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 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 151 Auto-Owners reviews
Verified Review
Reviewed in Illinois on July 11, 2026
Too expensive.
Verified Review
Reviewed in Nebraska on April 12, 2026
Not a local company anymore. I haven’t had a claim for years, and my insurance keeps going up.
Verified Review
Reviewed in Florida on April 4, 2026
Uneventful.
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. | $58/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. | $106/mo |
4.5
Best choice in Chandler, AZBased on 209 verified driver reviews and ratings
Mile Auto's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 3.4 | 3.6 |
| Discounts | 4.0 | 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 70 Mile Auto reviews
Verified Purchase
Reviewed in Georgia on July 12, 2026
It’s been fair so far, but I wish you could access them online. I’d like to know what coverage options I can add. Discussing them on the phone is fine, but sometimes you want to see it for yourself.
Verified Purchase
Reviewed in Georgia on June 6, 2026
Overall, I had a good experience and saved money.
Verified Purchase
Reviewed in Tennessee on May 6, 2026
I just wish they would send me an actual insurance card and my policy info in the mail, not just email, because I have no way to print it.
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. | $61/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. | $109/mo |
4.1
Best choice in Chandler, AZBased on 19,682 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 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 59 Arizona reviews for Chandler driversSee all 7,789 State Farm reviews
Verified Review
Reviewed in Arizona on July 13, 2026
They’re very good at responding to my needs. However, their rates are now as high as the company I left, and it’s only been a few months.
Verified Review
Reviewed in Arizona on July 8, 2026
Good customer service, but pretty significant rate increases, with no claims!
Verified Review
Reviewed in Arizona on June 23, 2026
The monthly payment is outrageous and too much, especially as your car gets older.
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 $49 per month
Excellent
4.7 out of 5 based on 15,820 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]
Auto-Owners offers the cheapest liability-only policies in Chandler, at $49 per month. 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: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $49 |
| Just Pay-Per-Mile | $50 |
| Mile Auto | $58 |
| Progressive | $58 |
| State Farm | $61 |
| Sun Coast | $65 |
| Certainly | $66 |
| Aspire General | $67 |
| Novo Flex | $69 |
| USAA | $69 |
| Mercury | $73 |
| Novo Next | $73 |
| The General | $74 |
| Novo | $78 |
| GEICO | $83 |
| Hiroad | $83 |
| Just Unlimited | $83 |
| Safeco | $84 |
| Bristol West | $86 |
| Dairyland | $87 |
| Direct Auto | $88 |
| National General | $89 |
| Commonwealth Casualty | $97 |
| Trexis | $97 |
| AssuranceAmerica | $98 |
| Clearcover | $98 |
| GAINSCO | $100 |
| Allstate | $101 |
| Travelers | $104 |
| Covercube | $111 |
| Mendota | $111 |
| Insurify Car | $112 |
| First Acceptance | $117 |
| Country Financial | $118 |
| American Family | $119 |
| The Hartford | $122 |
| Farmers | $123 |
| Root | $136 |
| Hugo | $140 |
| Liberty Mutual | $140 |
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.
With an average rate of $88 per month, Auto-Owners has the cheapest full-coverage policy in Chandler. 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: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $88 |
| Just Pay-Per-Mile | $99 |
| Novo Flex | $100 |
| Novo Next | $101 |
| Mile Auto | $106 |
| State Farm | $109 |
| Progressive | $118 |
| Sun Coast | $118 |
| USAA | $123 |
| Safeco | $126 |
| Novo | $127 |
| Mercury | $130 |
| Aspire General | $139 |
| GEICO | $141 |
| Hiroad | $158 |
| Bristol West | $168 |
| Direct Auto | $172 |
| Just Unlimited | $172 |
| Clearcover | $178 |
| National General | $178 |
| Allstate | $182 |
| Certainly | $188 |
| Liberty Mutual | $188 |
| Travelers | $188 |
| The General | $192 |
| AssuranceAmerica | $197 |
| Trexis | $207 |
| Root | $208 |
| Country Financial | $213 |
| American Family | $214 |
| Commonwealth Casualty | $214 |
| The Hartford | $220 |
| Farmers | $221 |
| Dairyland | $228 |
| GAINSCO | $233 |
| Covercube | $236 |
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 Honda, Toyota, Nissan, and more.
*Quotes generated for Insurify users in and around Chandler, Arizona within the last 10 days. Last updated on July 16, 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 July 16, 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 July 16, 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 July 16, 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]
On average, Chandler drivers with a past incident on their record pay $155 per month for car insurance. Compare average quotes from Chandler insurers by driving record below.
The below rates in Chandler, AZ, are estimated rates current as of: Thursday, July 9 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| Just Pay-Per-Mile | $50 | $64 | $67 | $69 |
| Auto-Owners | $49 | $65 | $66 | $66 |
| Mile Auto | $58 | $71 | $79 | $82 |
| Progressive | $58 | $75 | $78 | $80 |
| State Farm | $61 | $78 | $82 | $86 |
| Sun Coast | $65 | $84 | $88 | $90 |
| Certainly | $66 | $85 | $89 | $91 |
| Aspire General | $67 | $86 | $90 | $93 |
| Novo Flex | $69 | $89 | $93 | $96 |
| USAA | $69 | $90 | $94 | $98 |
| Novo Next | $73 | $94 | $99 | $101 |
| Novo | $78 | $100 | $105 | $108 |
| The General | $74 | $101 | $103 | $102 |
| Mercury | $73 | $102 | $110 | $110 |
| Hiroad | $83 | $107 | $112 | $115 |
| Just Unlimited | $83 | $107 | $112 | $115 |
| Dairyland | $87 | $109 | $116 | $123 |
| Bristol West | $86 | $110 | $115 | $122 |
| GEICO | $83 | $110 | $111 | $117 |
| Safeco | $84 | $112 | $118 | $130 |
| Direct Auto | $88 | $112 | $121 | $124 |
| National General | $89 | $113 | $120 | $126 |
| Commonwealth Casualty | $97 | $117 | $130 | $133 |
| GAINSCO | $100 | $122 | $129 | $141 |
| Trexis | $97 | $125 | $131 | $134 |
| AssuranceAmerica | $98 | $127 | $131 | $139 |
| Clearcover | $98 | $127 | $141 | $133 |
| Allstate | $101 | $133 | $137 | $143 |
| Travelers | $104 | $137 | $142 | $147 |
| Covercube | $111 | $143 | $150 | $154 |
| Mendota | $111 | $143 | $150 | $154 |
| Insurify Car | $112 | $144 | $151 | $155 |
| First Acceptance | $117 | $151 | $158 | $162 |
| American Family | $119 | $156 | $162 | $161 |
| Farmers | $123 | $160 | $167 | $174 |
| Country Financial | $118 | $161 | $164 | $163 |
| Root | $136 | $165 | $173 | $192 |
| The Hartford | $122 | $171 | $173 | $180 |
| Hugo | $140 | $180 | $189 | $194 |
| Liberty Mutual | $140 | $181 | $188 | $198 |
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 $129 per month. Drivers in Chandler pay $98 per month for liability coverage and $160 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 $49 per month. Just Pay-Per-Mile and Mile Auto also offer affordable liability insurance, with respective rates of $50 and $58 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 $107 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
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Cheapest Auto Insurance in Yuma, Arizona
Auto-Owners has the cheapest car insurance in Yuma, with rates of $39 per month.
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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 $50 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 $63 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.
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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 $34 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 $38 per month.
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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 $47 per month.
Cheap Car Insurance Quotes in Mesa, Arizona (July 2026)
Auto-Owners offers the cheapest insurance in Mesa, with an average rate of $53 per month. In Mesa, main corridors like I-70, North Ave, and Patterson Road account for a high number of crashes.
Cheap Car Insurance Quotes in Tucson (July 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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Cheapest Car Insurance Quotes in Phoenix (July 2026)
Auto-Owners offers the cheapest car insurance in Phoenix, averaging $65 per month. Phoenix has a high rate of auto theft, which increases car insurance prices.
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Written byTheresa Stevens
Theresa Stevens
AFCPE Accredited Financial Counselor
6 years experience in the personal financial industry
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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