Cheapest Car Insurance In Chandler, AZ 2025

Auto-Owners is the most affordable choice in Chandler, offering minimum coverage car insurance at an average cost of $48 per month.

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Updated: 09 February 2025
Written by Bob Phillips
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When searching for the most affordable car insurance in Chandler, AZ, prices can differ significantly.

For those after the lowest liability-only coverage, Auto-Owners is the top choice. On the other hand, Root provides the best rates for full coverage policies. Travelers, however, offers the most budget-friendly options for young drivers.

Cheapest Car Insurance In Chandler, AZ

Cheapest Car Insurance, Chandler, AZ

Cheapest Liability-only Car Insurance In Chandler: Auto-Owners

Auto-Owners offers the lowest rates for minimum coverage car insurance in Chandler, with an average monthly cost of $48.

You can use the table below to compare prices from various insurance providers.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $48 $576
State Farm $59 $708
USAA $65 $780
GEICO $60 $720
Mile Auto $53 $636

Cheapest Full Coverage Insurance Rates In Chandler:  Root

Root offers the most affordable full coverage car insurance, with average monthly quotes of $85 in Chandler.

The table below compares the average auto insurance rates from budget-friendly insurers in Chandler.

Provider Average Monthly Cost Average Annual Cost
Root $85 $1,020
Auto-Owners $105 $1,260
Travelers $95 $1,140
State Farm $106 $1,272
GEICO $102 $1,224

Cheapest Car Insurance Rates For Seniors: Travelers

Travelers offers the most affordable car insurance for seniors in Chandler, with an average rate of $68 per month.

The table below displays average quotes from the most affordable auto insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
Travelers $68 $816
Progressive $75 $900
Mercury $78 $936
Auto-Owners $81 $972
State Farm $72 $864

Cheapest Rates In Chandler For Teenagers: Travelers

Teen drivers in Chandler can get the best rates from Travelers, with average monthly premiums of $220.

The table below highlights the insurance companies offering the lowest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
Travelers $220 $2,640
State Farm $287 $3,444
Progressive $495 $5,940
Allstate 280 $3,360
GEICO $276 $3,312

Cheapest Auto Insurance For Young Adults in Chandler: Root

Root provides the most affordable quotes for young adults in Chandler, with average rates of $75 per month.

The table below allows you to compare the lowest auto insurance rates for young adults in Chandler.

Provider Average Monthly Cost Average Annual Cost
Root $75 $900
State Farm $94 $1,128
Travelers $78 $936
GEICO $103 $1,236
Progressive $92 $1,104

Cheapest Car Insurance In Chandler For Good Drivers: Auto-Owners

Good drivers in Chandler can get the best car insurance rates from Auto-Owners, with average quotes around $50 per month.

If you’re a good driver, use the table below to compare average quotes from the most affordable insurance providers.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $50 $600
USAA $67 $804
GEICO $62 $744
Mile Auto $53 $636
State Farm $59 $708

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Cheapest Car Insurance In Chandler After A Speeding Ticket: Auto-Owners

Auto-Owners stands out as one of the most affordable options in Chandler, offering average rates of $59 per month for drivers with a speeding ticket on their record.

The table below lets you compare average rates for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $59 $708
Mile Auto $63 $756
USAA $82 $984
GEICO $77 $924
State Farm $72 $864

Cheapest For Drivers With After At-Fault Accident: Auto-Owners

Auto-Owners provides the most affordable car insurance for drivers with an at-fault incident, with an average monthly rate of $63.

Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $63 $756
State Farm $76 $912
Mile Auto $71 $852
USAA $85 $1,020
GEICO $79 $948

Cheapest Rates In Chandler For Drivers After A DUI: Auto-Owners

Auto-Owners offers the lowest rates for drivers in Chandler with a DUI, providing average monthly premiums of $70.

Drivers in Chandler with a DUI can find the most affordable rates in the table below.

Provider Average Monthly Cost Average Annual Cost
Auto-Owners $70 $840
GEICO $96 $1,152
USAA $105 $1,260
State Farm $91 $1,092
Mile Auto $86 $1,032

Best Car Insurance Companies In Chandler

In Chandler, drivers can find the most affordable insurance with Auto-Owners at $80 per month. State Farm is another option at $92 per month, followed by Mile Auto at $97 per month.

The table below lists the top 10 car insurance companies in Chandler, AZ, ranked by their average monthly rates.

Company Monthly Premium
Auto-Owners $80
State Farm $92
Mile Auto $97
USAA $120
Root $124
Safeco $130
Allstate $ 153
Travelers $164
Progressive $172
GEICO $225

Average Auto Insurance Rates In Chandler- By Age

Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to their inexperience and a greater risk of accidents and traffic violations. Teenagers, for example, can expect to pay approximately $4,260 annually for car insurance.

As drivers reach the age of 25, their premiums generally start to decrease, provided they have a clean driving record.

Drivers in their 50s and early 60s often receive the most favorable insurance rates, as they are seen as more experienced and less risky to insure. Insurance companies use age as a factor to assess driving experience and risk, which impacts premium costs.

Age Average Yearly Rate
Teenagers $4,260
20s $2,844
30s $2,040
40s $1,836
50s $1,572
60s $1,452
70s $1,620

Average Rates In Chandler- By Vehicle

The type of vehicle you drive is an important factor in determining your car insurance costs. Insurance providers consider the make, model, year, and body style of the vehicle when calculating premiums. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, come with higher insurance rates.

The table below shows the average insurance rates in Chandler for various types of vehicles.

Vehicle Average Monthly Rate
Mercedes-Benz Glk $352
Jeep Grand Cherokee $531
Cadillac Srx $304
Acura MDX $218
GMC Acadia $240

How Much Is Car Insurance In Other Cities in Arizona?

Where you live plays a major role in determining your car insurance rates. Insurance companies assess various factors related to your location, such as the likelihood of accidents, theft, and vandalism, which tend to be more common in urban areas. This increased risk typically leads to higher premiums.

For example, drivers in Scottsdale can expect to pay around $140 per month for car insurance, while those in Prescott pay an average of $106 per month.

City Average Monthly Rate
Scottsdale $140
Prescott $106
Tucson $133
Tempe $165
Gilbert $174
Glendale $180
Surprise $143
Mesa $155
Peoria $162
Phoenix $186

Average Cost Of Auto Insurance In Chandler- By Zip Code

Zip codes are used by insurers to assess crime rates in your area, which can impact car insurance rates. As a result, car insurance premiums can vary depending on the zip code you live in.

The table below shows the average insurance rates for different zip codes in Chandler.

Zip Code Average Monthly Rate
85002 $98
85224 $149
85225 $145
85226 $132
85248 $140

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Chandler, AZ.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Chandler?

In Chandler, Auto-Owners offers the lowest rates for the minimum coverage required by the State of Arizona, while Root provides the most affordable full coverage, including comprehensive and collision coverage.

What is the average cost of car insurance in Chandler?

The average car insurance cost in Chandler is around $120 per month. However, rates can differ depending on factors such as your zip code, the make and model of your car, your driving record, and more.

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