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Cheapest Auto Insurance in Chandler, Arizona (2024)

Auto-Owners offers the cheapest car insurance in Chandler, with minimum-coverage policies as low as $47 per month.

Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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Actualizado el 2 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Arizona

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $32/mes para solo responsabilidad y $50/mes para cobertura total en Arizona.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Chandler is the fourth-largest city in Arizona, with a population of around 281,000.[1] On average, Chandler drivers pay $143 per month for auto insurance. Notably, this is lower than the overall national average of $159 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.

Datos Breves

  • The average cost of car insurance in Chandler is $99 per month for liability coverage and $186 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$76$47Cheap rates
Mile Auto3.5$81$52Low-mileage drivers
State Farm4.5$94$58Young driver discounts
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

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.
4.0
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.
$47/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.
$74/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.

Ventajas

  • Offers 13 discounts

  • A++ (Superior) financial strength rating from AM Best

Contras

  • Mobile app rating needs improvement

  • Must contact an insurance agent for quotes

Read our Auto-Owners review
Jack - April 9, 2024
Verified

Poor Handling but Partial Payment Made

I had a major claim due to a fire, which was not my fault. They handled it poorly and the complex ended up tearing down my building. They did make a payment, but there was a $10,000 depreciation on my goods.
Erin - April 7, 2024
Verified

Unhappy with Renewal Costs

The premium is ridiculously expensive for the few miles I drive.
Brandy - April 6, 2024
Verified

Fair Prices from a Trustworthy Company

I've had zero issues!

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.
3.5
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 aaa (exceptional) to c (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.
$51/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.
$79/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.

Ventajas

  • Offers pay-per-mile car insurance

  • No tracking device required

Contras

  • 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.
4.5
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.
$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.
$92/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.

Ventajas

  • Multiple savings programs for young adults

  • Highest J.D. Power customer satisfaction rating in the Southwest region

Contras

  • Doesn’t offer gap insurance

  • Coverage options vary by state

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.
Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.
Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.
…

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 $47 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 $47 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
Auto-Owners47
Mile Auto51
State Farm58
GEICO60
Root63
State Auto64
USAA65
Safeco71
Metromile76
Sun Coast76
National General81
Midvale Home & Auto90
Allstate96
Mercury98
Progressive99
Travelers99
Direct Auto102
Hallmark108
Dairyland110
COUNTRY Financial112
American Family113
Farmers116
The Hartford116
GAINSCO117
The General120
Nationwide130
Liberty Mutual131
Infinity140
AssuranceAmerica144
Bristol West146
Commonwealth Casualty166
Foremost210
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $74 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: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Monthly Quote
Auto-Owners74
Mile Auto79
State Farm92
GEICO95
Root100
USAA103
Metromile123
Safeco126
Midvale Home & Auto141
Travelers145
Allstate154
Sun Coast158
Mercury160
Nationwide174
Progressive174
COUNTRY Financial180
American Family181
National General186
The Hartford186
Farmers188
State Auto190
Infinity201
Direct Auto204
Liberty Mutual219
AssuranceAmerica224
Hallmark242
The General250
GAINSCO255
Dairyland258
Bristol West269
Foremost379
Commonwealth Casualty383
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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 $188 per month for car insurance. Compare average quotes from Chandler insurers by driving record below.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Auto-Owners47626476
Mile Auto51727683
State Farm58747793
GEICO60778196
Root63939696
USAA658488104
Safeco7199104114
Metromile76110114115
National General81105111130
Allstate96123130154
Mercury98146151161
Progressive99132138159
Travelers99130136159
Direct Auto102135142164
Dairyland110146152177
COUNTRY Financial112147157180
American Family113148154182
Farmers116150157186
The Hartford116176182183
GAINSCO117147155188
The General120161167193
Nationwide130169177209
Liberty Mutual131181190211
Infinity140187179225
AssuranceAmerica144197201232
Bristol West146192198235
Commonwealth Casualty166208226239
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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

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 $143 per month. Drivers in Chandler pay $99 per month for liability coverage and $186 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 $47 per month. Mile Auto and State Farm also offer affordable liability insurance, with respective rates of $51 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 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 $58 per month for liability coverage and $94 for full-coverage insurance from State Farm. Other top insurers include Auto-Owners and Mile Auto.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

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

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