Cheapest Car Insurance Quotes In Chandler, AZ For 2024

Mercury stands out as the most affordable choice in Chandler, offering an average rate of $37 per month.

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Updated: 29 March 2024
Written by
Bob Phillips
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When searching for the most budget-friendly car insurance in Chandler, AZ, options can vary, but Mercury stands out for its competitive rates. On average, residents can secure car insurance for about $37 per month, significantly lower than the state’s average of $120.

For those interested in the most affordable liability-only coverage, Mercury is the top choice. Meanwhile, for more comprehensive protection, Travelers offers the best rates for full coverage policies, priced at $65 a month. Travelers also provides the cheapest rates for young drivers, starting at $100 per month.

Cheapest Car Insurance Companies In Chandler, AZ

Cheapest Car Insurance, Chandler, AZ

Our Methodology

Utilizing a comprehensive approach that considers multiple facets including customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experiences, I've developed an in-depth understanding of the landscape of car insurance providers in Chandler, AZ. This perspective is informed by over 15 years of personal involvement in the industry as a licensed insurance agent. It's refined through numerous interactions with representatives from various companies and enriched by insights gained from firsthand experience.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Chandler, AZ?

Mercury provides the most affordable car insurance in Chandler, AZ, with coverage available for $120 a month.

As illustrated in the table below, rates are notably lower than the average rates in both the State of Arizona and the United States overall:

Area Average Monthly Rate
National $152
Arizona $120
Chandler, AZ $120

It’s important to note that the average national cost incorporates both high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates are influenced by various factors, including vehicle type, coverage amount, zip code, driving record, among others, leading to variations in cost by location.

Cheapest Car Insurance Rates In Chandler For Young Adults

Travelers provides the most affordable quotes for young adults in Chandler, with rates averaging around $100 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $115 $1,378
GEICO $105 $1,205
CSAA $257 $3,020
Allstate $127 $1,522
Travelers $100 $1,198

In Arizona, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is attributed to the development of driving habits and a corresponding decrease in risk-taking behaviors as drivers age.

Statistically, young adults are less likely to file claims with insurance companies, reflecting a reduction in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and decreased likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Chandler For Minimum Coverage

Mercury stands out as the most economical car insurance provider for minimum coverage in Chandler, boasting an average monthly cost of $37.

Provider Average Monthly Cost Average Annual Cost
Mercury $37 $439
Progressive $42 $500
GEICO $43 $514
State Farm $48 $574
Travelers $49 $581

A minimum car insurance policy should include at least the following coverages:

  • $15,000 for bodily injury per person
  • $30,000 for bodily injury per accident
  • $10,000 for property damage per accident

Maintaining minimum car insurance offers basic protection while driving, covering liabilities for damages to others. However, it doesn’t include collision or comprehensive insurance, leaving your vehicle uninsured for damages in accidents or other incidents like theft and natural disasters.

In Arizona, driving without insurance is illegal. Failing to provide proof of insurance during a traffic stop can lead to penalties ranging from fines to license suspension or more severe consequences.

Cheapest Car Insurance Rates In Chandler For Seniors

Auto-Owners provides the most affordable car insurance rates for seniors in Chandler, with average monthly quotes totaling $87.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $87 $1,040
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Allstate $104 $1,249

In Arizona, numerous seniors may benefit from advantageous car insurance rates influenced by various beneficial factors. While age often plays a role in determining insurance rates, with older age sometimes linked to reduced driving ability, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Chandler For Full Coverage

Travelers offers the most budget-friendly car insurance rates for full coverage in Chandler, with average monthly quotes of $65.

Provider Average Monthly Cost Average Annual Cost
Progressive $100 $1,198
Travelers $65 $778
Mercury $103 $1,238
Allstate $110 $1,314
State Farm $111 $1,326

Full coverage car insurance offers a comprehensive level of protection that extends beyond the basic coverage required by law. It typically combines comprehensive and collision coverages.

Comprehensive coverage safeguards against non-collision incidents such as theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damage resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Chandler For Teenagers

Teenage drivers in Chandler can obtain the most affordable quotes from Travelers, with average monthly premiums totaling $164.

Provider Average Monthly Cost Average Annual Cost
State Farm $269 $3,228
GEICO $196 $2,352
Progressive $245 $2,946
Travelers $164 $1,966
Allstate $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, primarily due to their lack of experience on the road. Insurance providers classify these young drivers as high-risk because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Chandler For Good Drivers

Good drivers in Chandler can secure the most affordable car insurance quotes from Mercury, with rates averaging around $37 per month.

Provider Average Monthly Cost Average Annual Cost
Mercury $37 $439
Progressive $42 $500
GEICO $43 $514
State Farm $48 $574
Travelers $49 $581

Drivers with clean driving records in Chandler typically benefit from lower car insurance rates because they’re viewed as lower risk. Insurance companies utilize driving records to assess how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Insurers determine rates based on the likelihood of a driver making a claim. Therefore, a spotless driving record can result in substantial savings on premiums. It’s all about risk assessment: the cleaner the record, the lower the perceived risk, and consequently, the lower the insurance cost.

Cheapest Car Insurance Rates In Chandler For Drivers With Prior Incidents

In Chandler, drivers with records of traffic violations, including accidents, speeding, or DUIs, frequently encounter challenges in obtaining affordable car insurance. Such driving infractions lead insurance companies to categorize them as high-risk, anticipating a greater likelihood of filing future insurance claims.

As a result, insurance providers increase their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Chandler For Drivers With A Speeding Ticket

Auto-Owners provides highly competitive rates compared to other companies, offering average monthly premiums of $75.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $75 $898
Travelers $105 $1,258
Geico $90 $1,078
Allstate $190 $2,278
Progressive $138 $1,654

Cheapest Car Insurance Rates In Chandler For Drivers With An At-Fault Accident

Auto-Owners provides the most affordable car insurance quotes for drivers with at-fault incidents, offering an average rate of $110 per month.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $110 $1,318
Travelers $112 $1,342
Geico $115 $1,378
Progressive $158 $1,894
Allstate $173 $2,074

Cheapest Car Insurance Rates In Chandler For Drivers After A DUI

State Farm offers the most cost-effective rates for drivers with a DUI in Chandler, providing average monthly premiums of $103.

Provider Average Monthly Cost Average Annual Cost
State Farm $103 $1,234
Nationwide $269 $3,286
Progressive $115 $1,378
Geico $170 $2,038
Allstate $212 $2,542

Best Car Insurance Companies In Chandler

For drivers in Chandler, selecting the appropriate car insurance company involves balancing affordable rates with reliable protection on the road. Below are the top 10 car insurance companies in Chandler, AZ, ranked by the average monthly rate they offer.

Company Monthly Premium
Clearcover $83
Mercury $90
AssuranceAmerica Protect $93
USAA $101
ACCC $101
Ameriprise Group $103
Mercury $108
Farm Bureau $109
American Family $118
State Farm $120

Average Car Insurance Rates By Age In Chandler

Age Average Yearly Rate
Teenagers $2,940
20s $1,800
30s $1,176
40s $1,032
50s $960
60s $960
70s $1,080

Age significantly influences car insurance rates. Typically, younger drivers, especially teens and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher chances of accidents and traffic violations. As drivers approach the age of 25, their rates usually begin to decrease, assuming they maintain a clean driving record.

The most favorable insurance rates are often available to drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk, thereby impacting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Chandler

Vehicle Average Monthly Rate
Ford F150 $102
Chrysler 300 $185
Mazda 6 $160
Honda Accord $95
Ram 1500 $107

The type of vehicle you drive significantly influences your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers consider these aspects because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Arizona?

City Average Monthly Rate
Scottsdale $118
Sedona $83
Maricopa $110
Tempe $130
Gilbert $135
Glendale $140
Surprise $123
Mesa $123
Peoria $132
Phoenix $141

The city where you live plays a crucial role in determining your car insurance rates. Insurance companies evaluate various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which are typically higher in urban areas. This heightened risk often results in higher premiums.

FAQs

Who has the lowest car insurance rates in Chandler?

In Chandler, the lowest car insurance rates are offered by Mercury for the minimum coverage required by the State of Arizona and Travelers for full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Chandler?

The average cost of car insurance in Chandler is approximately $120 per month. However, rates can vary based on factors such as your zip code, the year and model of your car, your driving record, and other variables.

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