Cheapest Car Insurance Quotes in Chandler

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Chandler Car Insurance

^$ 47

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Chandler

The car insurance rate in Chandler is $1190 for a six-month policy, which is $173 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $549, making it a popular choice for budget-conscious drivers. Rates in Chandler can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Chandler

$1190

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Chandler

1st place: Root Insurance Company

At $549 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $723 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $757 for six months, making it the third cheapest auto insurance company in Chandler.

Chandler Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Chandler, AZ is Root Insurance Company, offering policies at just $549 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $723.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1272 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chandler drivers find the best deals.

Cheap Car Insurance Companies in Chandler, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$549	$94
Auto-Owners Insurance Co	$723	$121
Farmers	$757	$129
Mercury	$778	$130
Hartford	$813	$138
Iowa Farm Bureau	$820	$137
Travelers	$966	$163
USAA	$1133	$191
Progressive	$1147	$193
State Farm	$1168	$197
Auto-Owners	$1314	$221
Farm Bureau	$1702	$284
Allstate	$1773	$298
The Hartford	$1773	$298
CSAA	$2363	$401
Nationwide	$1272	$212

Key Takeaways

Way's key takeaways about car insurance in Chandler

The auto insurance costs in Chandler fall around $549 for six months.
The cheapest auto insurance company in Chandler is Mercury.
Teen drivers pay the highest rate in Chandler at $1028 per month.

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Cheapest Minimum Liability Car Insurance in Chandler

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Chandler are given below.

Mercury provides the cheapest minimum car insurance coverage in Chandler. Their Average 6 Month Premium is $278. The Hartford is the most expensive at $716 for the same period.

Cheapest Liability Coverage in Chandler, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$278	$47
Auto-Owners Insurance Co	$362	$62
Travelers	$362	$61
Country Financial	$369	$63
Root Insurance Company	$376	$62
USAA	$383	$64
Farmers	$397	$66
Auto-Owners	$417	$70
Iowa Farm Bureau	$417	$69
State Farm	$459	$77
Progressive	$473	$80
Allstate	$598	$101
Farm Bureau	$646	$108
The Hartford	$716	$122

Cheapest Full Coverage Car Insurance in Chandler

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Chandler is Root Insurance Company at $94 per month and $549 for six months.

Cheapest Full Coverage Car Insurance Quotes in Chandler, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$549	$94
Auto-Owners Insurance Co	$723	$121
Farmers	$757	$129
Mercury	$778	$130
Hartford	$813	$138
Iowa Farm Bureau	$820	$137
Travelers	$966	$163
USAA	$1133	$191
Progressive	$1147	$193
State Farm	$1168	$197
Auto-Owners	$1314	$221
Farm Bureau	$1702	$284
Allstate	$1773	$298
The Hartford	$1773	$298
CSAA	$2363	$401
Nationwide	$1272	$212

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Average Car Insurance in Chandler by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Chandler, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Chandler, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Chandler's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Chandler

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Chandler,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Chandler at $56 per month. At $6172 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$333	$56
Root Insurance Company	$383	$66
Country Financial	$431	$71
Farmers	$487	$83
Auto-Owners Insurance Co	$494	$82
Iowa Farm Bureau	$515	$88
Travelers	$1411	$238
USAA	$1668	$281
State Farm	$1737	$293
Progressive	$2697	$454
Allstate	$2877	$484
Farm Bureau	$4406	$749
Auto-Owners	$4441	$741
The Hartford	$5629	$957
CSAA	$6172	$1028

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Chandler, Mercury is the cheapest car insurance provider. At $319 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Chandler is State Farm, offering rates of around $8020 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$319	$54
Root Insurance Company	$480	$82
Country Financial	$515	$85
Farmers	$577	$98
Nationwide	$591	$98
Iowa Farm Bureau	$751	$128
Hartford	$764	$128
Progressive	$1210	$204
Travelers	$1237	$208
Allstate	$2279	$384
USAA	$2286	$381
Farm Bureau	$2940	$500
The Hartford	$3635	$606
Auto-Owners	$4371	$743
State Farm	$8020	$1336

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Car Insurance Rates with An Accident in Chandler

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Chandler, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Chandler

The cheapest car insurance companies after an at-fault accident in Chandler include Root Insurance Company and Country Financial, offering $473 and $480, respectively. CSAA is an expensive provider with an average six-month premium of $3836.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$473	$78
Country Financial	$480	$82
Auto-Owners Insurance Co	$563	$94
Noblr	$792	$135
Travelers	$827	$139
Root	$862	$146
State Farm	$882	$149
General Casualty	$1078	$184
USAA	$1104	$186
Progressive	$1265	$213
Farmers	$1591	$268
Mercury	$1654	$278
Farm Bureau Mutual (IA Group)	$1709	$285
Auto-Owners	$1842	$310
Metromile	$1946	$324
General Agents Group	$2189	$372
Country	$2314	$386
Encompass	$2516	$428
Allstate	$2544	$428
Nationwide	$2704	$460
The Hartford	$2752	$463
Safeway	$3078	$523
Farm Bureau	$3253	$542
Permanent General	$3329	$566
MetLife	$3794	$633
CSAA	$3836	$653

Chandler Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Chandler AZ. For example, the car insurance in Chandler after a DUI increases to $1411 for a six month policy. While the rate increases by $285 for a six-month policy in the case of a speeding ticket.

Chandler auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1369	$228
One Med/PIP claim	$1369	$233
Not-at-fault accident	$1376	$229
One comp claim	$1432	$243
Two Med/PIP claims	$1432	$239
Two comp claims	$1487	$253
Failure to wear a seat belt	$1564	$261
Child safety restraint	$1626	$276
Driving without lights	$1626	$271
Failure to show documents	$1626	$276
Speeding 6 - 10 MPH over limit	$1654	$276
Driving too slowly	$1716	$291
Speeding 11 - 15 MPH over limit	$1716	$287
Speeding in school zone	$1716	$291
Driving with expired registration	$1730	$289
Speeding 16 - 20 MPH over limit	$1730	$294
Cell phone violation	$1737	$290
Failure to stop at a red light	$1737	$296
Failure to yield	$1737	$290
Following too closely	$1737	$296
Illegal turn	$1737	$290
Texting while driving	$1737	$296
Wrong way/wrong lane	$1737	$290
Improper passing	$1766	$301
Speeding 21 - 25 MPH over limit	$1787	$297
In 65 MPH zone	$1814	$309
Passing school bus	$1835	$305
At-fault accident - less than $1000	$1884	$321
Operating a vehicle without permission	$1981	$330
At-fault accident - $1000-$2000	$2036	$346
At-fault accident - greater than $2000	$2064	$344
Open container	$2168	$369
Reckless driving	$2404	$401
Driving with a suspended license	$2482	$422
DUI	$2780	$463
Refusal to submit to a chemical test	$2780	$473
Racing	$2842	$474
Leaving scene of an accident/hit and run	$2856	$486

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Chandler after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Chandler.

The cheapest car insurance premiums in Chandler are offered by Mercury at $369 for a six-month policy. However, it can be as expensive as $4135 with companies like Farm Bureau.

Chandler car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$369	$61
Root Insurance Company	$417	$71
Country Financial	$522	$87
Hartford	$653	$111
Progressive	$875	$147
Travelers	$973	$164
Farmers	$1049	$177
State Farm	$1196	$201
USAA	$1688	$284
Nationwide	$2092	$356
Auto-Owners	$2752	$459
The Hartford	$3023	$514
Allstate	$3203	$539
Farm Bureau	$4135	$703

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Chandler are offered by AutoOwners Insurance Co at $362. However, it can be as expensive as $3934 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Chandler after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$362	$62
Mercury	$397	$66
Country Financial	$431	$74
Root Insurance Company	$473	$78
Farmers	$487	$83
State Farm	$938	$158
Travelers	$1042	$176
Progressive	$1049	$177
USAA	$1487	$253
Auto-Owners	$1522	$254
Farm Bureau	$2314	$393
The Hartford	$2634	$439
Allstate	$3934	$669

Car Insurance Price Trends in Chandler, Arizona

Car insurance rates in Chandler have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Chandler rose by $246 in January compared to $142 of December. In other words, there has been an increase by $104 when you compare January and December.

The average cost of liability insurance in the Chandler rose to $74 in January, compared to $63 in December. This represents an increase of $11 when comparing January and December.

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Average Car Insurance Cost in Chandler by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Chandler. At $1356 for a six-month policy, insuring your car at 85226 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
85226	$1356	$228
85248	$1332	$224
85225	$1487	$250
85249	$1356	$228
85224	$1380	$232
85286	$1380	$232

Frequently Asked Questions

How much is car insurance in Chandler?

The car insurance in Chandler is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Chandler?

The cheapest car insurance in Chandler is $94 per month for full coverage.

How much is car insurance in Chandler for teenagers?

Car insurance for teenagers costs $333 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Chandler?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $200 per month to insure your car in Chandler.

Is car insurance expensive in Chandler?

Car insurance can be expensive in Chandler if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Chandler can be affordable.

What is the best car insurance in Chandler, AZ?

The best car insurance company in Chandler AZ is Root Insurance Company, offering $549 for a six-month policy.