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Do you need affordable auto insurance in Chandler, AZ? At AutoInsuranceEZ.com, you can find the cheapest auto insurance in Arizona. To obtain free car insurance quotes from the best providers today, type your zip code into the quote box on this page.

Chandler is a small suburb of the greater Phoenix area with an interesting history. It was originally founded as a sight for the study of irrigation engineering and later grew into an agricultural powerhouse strong enough to flourish through the great depression. Today, it is not only a haven for those who wish to escape the hustle and bustle of Phoenix, but also home to several high-tech companies, including The Orbital Sciences Corp. and Dell.

  • Fun fact: Did you know that Chandler is #7 on the list of “Top 101 cities with the highest average sunshine amount”? Learn more about Chandler, AZ.

Auto Insurance Coverage Requirements in Arizona

In Arizona, the minimum legal car insurance requirements are as follows:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 10,000 25,000
Uninsured Motorist Bodily Injury Not required 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 0 deductible

State minimums in Arizona are limited to Liability only, and the small amounts of coverage are an even lesser burden than what you might likely find in most other states. However, due to the limited payouts on Liability claims, and the small amounts of coverage that Arizona mandates, you might want to explore your coverage options more thoroughly with a licensed insurance agent. For more information on affordable Arizona car insurance, click here.

Your typical motorist in Arizona might be paying as high as $67 each month or more for their insurance premiums. But lucky Chandler drivers can lower that down to $43/mo* – or more – if they are familiar with how to shop around. But if you’re not, we’re more than happy to help.

Average Monthly Auto Insurance Premiums Legend: Chandler Farmers State Farm Liberty Mutual Nationwide Safe Auto 5 10 15 20 25 30 35 40 45 $31 $36 $41 $46 $48

 

Are you dead set on getting the lowest rates in your area? State Farm might be able to help you with that, or perhaps Farmers too. Whatever you do, make sure you thoroughly analyze your potential provider before you make a hasty switch based on the price tag alone. You might end up with regret if you don’t.

Auto insurance providers consider several variables when calculating insurance quotes, including geography, zip code, credit score/rating, driving distance to work, and whether or not there are multiple cars and drivers in your household. Additionally, premiums change from company to company. To find out whether you’re still getting the most favorable rate, compare cheap Chandler auto insurance quotes online.

Major Car Insurance Factors in Chandler

There are many ways that your car insurance rate may be determined. But not all of it is out of your control; there are things you can do so that you can control which discounts you are eligible to get. The following are a few of these factors in greater detail:

  • Your Zip Code

Your auto insurance rates may differ depending on where you call home. In general, highly populated cities have higher auto insurance rates because the extra amount of drivers on the road increases the likelihood of an accident! The population of Chandler is 249,146 and the median household income is $71,545

Auto Insurance by Zip Code Legend: Chandler Phoenix Tucson Mesa Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $31 $36 $30 $28 $26 $36 $47 $38 $39 $37 $41 $71 $39 $52 $37 $46 $56 $43 $48 $46 $48 $63 $59 $48 $50 $49 $65 $42 $53 $49

 

  • Automotive Accidents

Looking at the chart below, it’s easy to see that, for a city with more than a quarter of a million residents, fatal accidents are a fairly rare occurrence. And if serious accidents are uncommon, like they are in Chandler, your provider might be offering your area a lower premium than in similarly-sized Arizona cities.

Fatal Accidents in Chandler, AZ Legend: Chandler Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 12 20 6 12 41 4

 

  • Auto Thefts in Chandler

Living in a large city (Especially one with a high crime rate) will increase your risk of being a victim of auto theft. If your general location has high rates of theft and claims, you can expect to pay more for auto insurance to offset these costs. The total number of stolen vehicles in Chandler was 279 back in 2013, which is much lower than in previous years. If you want to protect yourself from auto theft, you need to add Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 170 $31 $73 $36 $90 $41 $173 $46 $90 $48 $110

 

  • Your Credit Score

Unfortunately, your credit score can be one of the most significant factors in how much you end up paying for coverage. In Chandler, like in many other places, having a poor credit score will nearly double your monthly premium. Nationwide, however, gives drivers with poor credit a bit of a reprieve.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 $24 $65 $30 $69 $30 $70 $41 $60 $44 $82

 

  • Your Age

If you are a young student or even a teenage driver, your rates are likely going to be high no matter what. You can get discounts by earning good grades and making sure you take driving classes, but finding affordable premiums will still be challenging if you are under the age of 25.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 240 255 270 $31 $284 $36 $84 $41 $103 $46 $104 $48 $161

 

  • Your Driving Record

As the chart clearly shows, the more severe the violation, the higher your monthly premiums will keep climbing. However, there are Accident Forgiveness discounts which exist for drivers with fairly minor blemishes on their driving record. Your agent can give you more details.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 $31 $37 $43 $44 $36 $40 $40 $44 $41 $41 Do Not Sell $63 $46 $53 $85 $65 $48 $56 $62 $65

 

  • Your Vehicle

Owning a luxury vehicle will cost much more in insurance than owning an older, less expensive car. And you don’t want to risk carrying too little coverage just to save money on premiums, because the money you save now will probably be lost (and then some) if anything happens that your coverage can’t or won’t pay for.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 $31 $80 $36 $110 $41 $177 $46 $102 $48 $124

 

Minor Car Insurance Factors in Chandler

The following sometimes overlooked factors can also impact your overall total payment:

  • Your Marital Status

Although single drivers may also be able to benefit from bundling, married couples have twice as many opportunities when it comes to bundling discounts. And bundling your automotive insurance policies together is just the first step.

  • Your Gender

Many insurance companies are starting to worry less and less about gender when calculating a motorist’s premium. And for any company that still judge your driving prowess based on anatomy alone, these price differences are rarely more than 4%.

  • Your Driving Distance to Work

The average commute time for a worker living in Chandler can range anywhere from 20-29 minutes, with some commutes being a little shorter. Additionally, anywhere from 66-87% of workers choose to drive their own car to work, while an additional 10-12% prefer to carpool.

Many companies act like they care why you’re on the road, or how many miles you drive each year. To an extent, they aren’t pretending; but they usually put more emphasis on the factors listed above, like your zip code or your age.

  • Your Coverage and Deductibles

Raising your deductible can be a double-edged sword when it comes to saving money on car insurance. On the one hand, you’ll see instant savings in the form of lower premiums each month. On the other, if something bad happens, you may suddenly find yourself with an urgent need to pay that higher deductible – but be short on cash.

  • Education in Chandler, AZ

Did you know that the more educational experience you have, the cheaper your auto insurance will be? This matters much more to insurance companies than your salary or your job. In Chandler, most drivers have achieved a bachelor’s degree or have been in college for a least a year or more. A great number of motorists also have high school diplomas.

Because of its proximity to both Phoenix and Mesa, there is an endless list of educational institutions that the citizens of Chandler have access to. In addition to these major players, the Chandler-Gilbert Community College educates nearly 13,000 students every year. The city also plans to open its own institution, Chandler University, in late 2011.

Finding affordable auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

Arizona Department of Insurance

Arizona Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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