Car Insurance in Chandler, AZ


Delivering a quick and easy experience in finding car insurance in Chandler.





Auto Insurance in Chandler and What You Need to Know



It’s so important to shop around for auto insurance from many companies to find the right option for your budget while living in Chandler. Though you can ask your friends and acquaintances where they found a good deal, your costs will differ based on many factors, like age, driving record, and specific location. We have done the hard work to find auto insurance rates for you in Chandler to help you avoid much of the legwork while still getting a good deal. We have compiled the cheapest insurance options for drivers in various groups and situations. We also have information on critical factors that will affect your car insurance rates in Chandler.

Percentage decrease in Chandler car insurance costs compared to national average

128 %

Percentage decrease in Chandler car costs compared to average in Arizona

181 %

Percentage decrease in Chandler car insurance costs compared to most expensive in Arizona

053 %

Full Coverage Car Insurance

Full coverage offers lots of protection for you, your passengers, and others. Find out what other benefits you gain from driving with full coverage in Chandler.

Liability Car Insurance

To meet the insurance requirements in Chandler, you could get a minimum liability auto insurance plan. Find out how you can benefit from this lower-level protection.

High Risk Car Insurance

You might be worried about finding the best high-risk car insurance in Chandler. But we can help you find the best rate for your situation if you need a high-risk coverage plan.

Home and Auto Insurance

It may be possible to bundle your home and auto insurance in Chandler with one company and save time and money every year. We’ll help you see if this option will benefit you.


Your Driving Record Matters When Getting Auto Insurance in Chandler

Maybe you’ve looked for car insurance quotes in Chandler or elsewhere previously, and you found a great deal with a certain carrier. The quote had a premium you can afford and also had the coverage options you need. But after you went through the initial paperwork, the insurance carrier told you the premium had gone up quite a bit from your original quote. This could be because of insurance points on your state driving record. Different locations give different amounts of points for crimes or incidents on your record. If you don’t report relevant tickets or accidents to the insurance company when you are shopping for a quote and they see them on your driving record from the state, your rates are likely to rise significantly from the original quote. Be honest about your driving record to get the most accurate quotes.


best home and auto insurance Chandler AZ

Your Type of Car Plays a Role on Car Insurance Costs in Chandler

When it comes to your vehicle, there are many factors that contribute to the cost of your auto insurance in Chandler. For example, the amount of horsepower your vehicle has plays a role. If it has high horsepower, you may be more likely to speed and get in a crash. This type of car is more expensive to cover as they are more likely to be in accidents. Your car’s size also plays a role. A huge SUV that can cause more harm to other vehicles if it is in a crash could increase your premium. To avoid paying high premiums for big and powerful cars, consider purchasing a midsize vehicle, like a sedan, smaller SUV, or minivan. Another big factor in auto coverage is what your car is worth. The price of replacing the vehicle is very important for auto insurance companies to consider in setting your premium. If you want to save more on your insurance in Chandler, consider a lower-priced car.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,575.37
Luxury1,453.27
SUV1,341.60
Van1,234.39
Truck1,206.10



best home and auto insurance Chandler AZ

Cost of Car Insurance in Chandler by Gender and Marital Status

In some states, gender can no longer be considered in calculating auto insurance rates. But your marital status can influence your auto insurance rates in Chandler. Married couples usually get a lower rate than single people in similar circumstances. Research shows people who have never been married are more likely to get in an accident than men or women who are currently married. Getting a divorce can raise your rates, and elderly widows usually see higher prices as well. Some insurance companies may give you a lower rate for having a domestic partner, but it isn’t very widespread at this time. It’s been shown that married people are just less likely to get into car accidents, though the reason for this is not certain. Some think it is because married people drive less often, either staying home more or going places together. Others say it is because married people generally have more stable lifestyles than single drivers. If you are married or get married, you may be able to get a lower premium on car insurance in Chandler.

Where You Live in Chandler Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Chandler

15 %

Annual savings for car insurance in medium sized cities near Chandler

7 %


The zip code where you live can have a big effect on your car insurance rates in Chandler. There can be thousands of dollars difference between premiums in different zip codes. The differences aren’t because there are different models of cars in various areas. The difference is caused by the level of injury and theft claims in the zip code, which insurance companies translate into risk classes. Cities or areas with high numbers of offenses will see higher premiums. City dwellers almost always pay more than people who live in the country as well. When there are more cars in an area, there are usually more accidents. Another location factor is the status of the streets in your zip code. If the roads in your area of Chandler are less developed, your auto insurance costs could be more.

Average Costs of Auto Insurance in Chandler by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,098.95
Auto Insurance with Comprehensive Only1,296.76
Auto Insurance with Comprehensive and Collision1,912.17


Your Credit Affects Your Car Insurance Costs

Along with your history, type of car, and specific location, your credit score can also affect what you pay for car insurance in Chandler. Many insurance companies look at your credit rating when deciding on your premium because studies show that this data does help predict who is more likely to get into a car accident. So 92 percent of auto insurers in Chandler will consider your credit score to determine your auto insurance costs. Using such a reliable statistic helps auto insurance companies find the best and most fair rate for every driver. This is wonderful for drivers with great credit scores. But maybe you have a low rating. It may feel unfair when you can’t do anything to immediately change your credit score, but it may help to focus on paying your bills on time and applying for and using your credit wisely. Then you will eventually increase your credit rating so you can qualify for a lower premium too.

Average car insurance rate changes in Chandler based off credit scores.

68 %

Max car insurance rate changes in Chandler based off credit scores

146 %


92 percent of the car insurance companies in Chandler now think about your credit rating when calculating how much you will pay for auto insurance.



Chandler Car Insurance Rates by Age

Your age also plays a big role in your auto insurance rates in Chandler. In reality, certain age groups cost more for the insurance companies to cover because they are more likely to be injured and have bigger claims. But it is not a smooth progression from one end of the premium spectrum to the other. Drivers who are quite young are in more traffic accidents and may take more chances behind the wheel than older drivers. This results in the most costly premiums usually. The rates are also often higher for drivers in their seventies and above. But there is a sweet spot in the middle when drivers are generally more experienced and at the top of their game. Rates will often come down for those decades in between. Age is an important variable in your car insurance costs, but the amount of change in premium will vary by location. In general, the youngest and newest drivers will pay the highest cost for a car insurance policy in Chandler.

best home and auto insurance Chandler AZ


Getting the Best Auto Insurance Rates in Chandler


You may not want to take the time to shop for and buy auto insurance in Chandler. You may wish to avoid the cost of coverage. But it is an important step to prevent bigger costs if you have a traffic accident, your car is stolen, or it’s damaged in a natural disaster. No one wants to spend more than they have to for car insurance, but it may not be easy to see how to get the best rate. There really isn’t a shortcut: you need to look around for the best plan for you. Insurers offer various discounts, so you may qualify for one at one company but not another. You may also get a good deal packaging different types of insurance together. Decide to take the time to check out prices at different companies to choose which kind of auto insurance in Chandler will meet your needs perfectly. If you need assistance, we are here to help you any time.