Cheapest Auto Insurance in Chandler, Arizona (2024)

Liability coverage in Chandler starts at $46 per month from Auto-Owners.

Theresa Stevens
Theresa Stevens
  • 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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Katie Powers
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Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

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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Updated February 14, 2024 at 7:24 AM PST

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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 $146 per month for auto insurance. Notably, this is lower than the overall national average of $155 per month and the Arizona state average of $144.

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 $99 per month for liability coverage and $192 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.0$73$46Cheap rates
Mile Auto3.5$75$49Low-mileage drivers
State Farm4.5$90$57Young driver discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for cheap rates: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$46/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.
$71/mo

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

I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.

Mary - August 13, 2023
Verified

I was dropped because of two minor at-fault accidents in two plus years.

Zachary - January 8, 2023
Verified

You can work directly with an agent.

Guy - May 17, 2022
Verified
Read our Auto-Owners review

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$48/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.
$71/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$57/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

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

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 $46 per month

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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 $46 per month. Here are some of the other cheapest liability-only car insurance coverage quotes in Chandler.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners46
Mile Auto48
State Farm57
GEICO58
Root62
USAA63
Safeco70
Metromile75
State Auto75
Sun Coast77
Clearcover80
National General83
Midvale Home & Auto92
Allstate94
Mercury96
Travelers98
Progressive99
Direct Auto102
Dairyland108
Hallmark108
COUNTRY Financial110
American Family111
The Hartford114
Farmers115
GAINSCO115
The General122
Liberty Mutual125
Nationwide128
AssuranceAmerica138
Infinity141
Bristol West148
Commonwealth Casualty165
Foremost208
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $71 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 are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Auto-Owners71
Mile Auto71
State Farm87
GEICO90
Root95
USAA98
Clearcover99
Metromile116
Safeco130
Travelers140
Midvale Home & Auto141
Allstate145
Mercury151
Sun Coast157
Nationwide167
COUNTRY Financial170
American Family171
Progressive173
Direct Auto174
The Hartford176
Farmers177
National General190
Liberty Mutual199
Infinity201
State Auto203
AssuranceAmerica206
Hallmark230
The General243
GAINSCO249
Dairyland254
Bristol West258
Foremost315
Commonwealth Casualty365
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you have a collision with another vehicle or object, collision coverage can kick in to pay for your vehicle damages.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage can pay for damage from non-collision incidents, like severe weather, fire, theft, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance pays for jump-starts, tire changes, tows, and more if your car breaks down.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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 $197 per month for car insurance. Compare average quotes from Chandler insurers by driving record below.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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.

AgeAverage Monthly Quote
Teens$355
20s$237
30s$170
40s$153
50s$131
60s$121
70s$135
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $146 per month. Drivers in Chandler pay $99 per month for liability coverage and $192 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 $46 per month. Mile Auto and State Farm also offer affordable liability insurance, with respective rates of $48 and $57 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 4.5 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 $57 per month for liability coverage and $90 for full-coverage insurance from State Farm. Other top insurers include Auto-Owners and Mile Auto.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. United States Census Bureau. "QuickFacts Chandler city, Arizona." Accessed November 16, 2023
  2. NOLO. "Arizona Car Insurance Laws." Accessed November 16, 2023
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed November 16, 2023
  4. Arizona Department of Insurance and Financial Institutions. "Minimum Coverage Required for Arizona Drivers." Accessed November 16, 2023
  5. Arizona Department of Transportation. "Points Assessment." Accessed November 16, 2023
  6. Consumer Protection Division Arizona Department of Insurance. "Consumer Guide How Insurance Companies Use Credit Information." Accessed November 16, 2023
Theresa Stevens
Theresa Stevens

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
Katie PowersAuto and Life Insurance Editor
  • Licensed auto and home insurance agent

  • 3+ years experience in insurance and personal finance editing

Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.

Featured in

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