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Finding the cheapest car insurance quotes in Chandler Heights shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Heights
The car insurance rate in Chandler Heights is $1119 for a six-month policy, which is $102 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Chandler Heights 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.
Cheapest Car Insurance Companies in Chandler Heights
1st place: Root Insurance Company
At $516 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 $680 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Farmers
Farmers offers auto insurance
rates at $712
for six months, making it
the third cheapest auto insurance company in Chandler Heights.
Chandler Heights Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chandler Heights, AZ is Root Insurance Company, offering policies at just $516 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $680.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1196 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Chandler Heights drivers find the best deals.
Cheap Car Insurance Companies in Chandler Heights, AZ
Way's key takeaways about car insurance in Chandler Heights
The auto insurance costs in Chandler Heights fall around $516 for six
months.
The cheapest auto insurance company in Chandler Heights is Mercury.
Teen drivers pay the highest rate in Chandler Heights at $967 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Chandler Heights
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 Heights are given below.
Mercury provides
the cheapest minimum car insurance
coverage in Chandler Heights. Their Average 6 Month Premium is $262.
The Hartford is the most
expensive at $673 for the same
period.
Cheapest Liability Coverage in Chandler Heights, AZ
Cheapest Full Coverage Car Insurance in Chandler Heights
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 Heights is Root Insurance Company
at $88 per month and $516
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chandler Heights,
AZ
Get Your Car Insurance Quote in Chandler Heights
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Average Car Insurance in Chandler Heights 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 Heights, AZ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chandler Heights, 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 Heights'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 Heights
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Chandler Heights,AZ
If you are planning to get a car insurance policy for your teenage
dependent, Mercury provides the cheapest car
insurance in the Chandler Heights at $53
per
month. At $5803 for a six-month premium,
CSAA offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Chandler Heights.
As young drivers face the highest rates in Chandler Heights, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Heights,
Mercury is
the cheapest car insurance provider. At $300 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 Heights is State Farm, offering
rates of around $7541 for six
months.
Save up to $971/yr on car insurance rates in Chandler Heights.
Car Insurance Rates with An Accident in Chandler Heights
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 Heights, AZ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chandler Heights
The cheapest car insurance companies after an at-fault accident in
Chandler Heights include Root Insurance Company
and Country Financial, offering $444
and $451,
respectively. CSAA is an expensive provider
with an average six-month premium of
$3607.
Here is a list of driving violations that can increase your car
insurance rates in Chandler Heights AZ. For example, the car
insurance in Chandler Heights
after a DUI increases to $1327 for a six
month policy. While the rate increases by $268 for a six-month policy in the case of
a speeding ticket.
Chandler Heights auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1287
$215
One Med/PIP claim
$1287
$219
Not-at-fault accident
$1294
$216
One comp claim
$1346
$229
Two Med/PIP claims
$1346
$224
Two comp claims
$1398
$238
Failure to wear a seat belt
$1471
$245
Child safety restraint
$1529
$260
Driving without lights
$1529
$255
Failure to show documents
$1529
$260
Speeding 6 - 10 MPH over limit
$1555
$260
Driving too slowly
$1614
$274
Speeding 11 - 15 MPH over limit
$1614
$270
Speeding in school zone
$1614
$274
Driving with expired registration
$1627
$272
Speeding 16 - 20 MPH over limit
$1627
$276
Cell phone violation
$1634
$273
Failure to stop at a red light
$1634
$278
Failure to yield
$1634
$273
Following too closely
$1634
$278
Illegal turn
$1634
$273
Texting while driving
$1634
$278
Wrong way/wrong lane
$1634
$273
Improper passing
$1660
$283
Speeding 21 - 25 MPH over limit
$1680
$279
In 65 MPH zone
$1705
$290
Passing school bus
$1725
$287
At-fault accident - less than $1000
$1771
$301
Operating a vehicle without permission
$1862
$310
At-fault accident - $1000-$2000
$1914
$326
At-fault accident - greater than $2000
$1940
$323
Open container
$2038
$347
Reckless driving
$2261
$377
Driving with a suspended license
$2333
$397
DUI
$2614
$436
Refusal to submit to a chemical test
$2614
$444
Racing
$2672
$446
Leaving scene of an accident/hit and run
$2685
$457
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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 Heights 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 Heights.
The cheapest car insurance premiums in
Chandler Heights are
offered by Mercury at $347 for a six-month policy.
However, it can be as
expensive as $3887 with companies
like Farm Bureau.
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 Heights are offered by AutoOwners Insurance Co
at $340. However,
it can be as expensive as $3698
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Chandler Heights after Speeding ticket
Car Insurance Price Trends in Chandler Heights,
Arizona
Car insurance rates in Chandler Heights have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chandler Heights rose by
$231 in January
compared to $133 of December. In other words, there has been an increase by $98 when you
compare January and December.
The average cost of liability insurance in the Chandler Heights rose to $69 in January,
compared to $59 in December.
This represents an increase of $10
when comparing January and December.
Average Car Insurance Cost in Chandler Heights 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 Heights. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chandler Heights?
The car insurance in Chandler Heights is $44 per month, which is lower than the national average.
What is the cheapest car insurance in Chandler Heights?
The cheapest car insurance in Chandler Heights
is $88 per month
for full coverage.
How much is car insurance in Chandler Heights for teenagers?
Car insurance for teenagers costs $314 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 Heights?
The average cost of car insurance is $1017 for a six-month
policy. It will cost around $188 per month to insure your
car in Chandler Heights.
Is car insurance expensive in Chandler Heights?
Car insurance can be expensive in Chandler Heights if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chandler Heights can be
affordable.
What is the best car insurance in Chandler Heights,
AZ?
The best car insurance company in Chandler Heights
AZ is
Root Insurance Company, offering $516 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Chandler Heights, AZ
Car Insurance Rates by State in the USA (2025 Update)
Chandler Heights Car Insurance
