For good drivers, one of the big criteria that are looked at to help calculate the cost of insurance is your zip code in Chandler. More populated areas tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims tend to receive slightly lower rates.
The following table ranks the most expensive areas in Arizona for safe drivers to purchase car insurance in. Chandler shows up at #11 with an annual rate of $1,115 for coverage, which is approximately $93 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,268 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,174 |
| 4 | Mesa | $1,159 |
| 5 | Gilbert | $1,154 |
| 6 | Scottsdale | $1,151 |
| 7 | San Tan Valley | $1,150 |
| 8 | Peoria | $1,137 |
| 9 | Goodyear | $1,131 |
| 10 | Buckeye | $1,122 |
| 11 | Chandler | $1,115 |
| 12 | Tempe | $1,106 |
| 13 | Maricopa | $1,085 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Surprise | $1,080 |
| 16 | Tucson | $1,072 |
| 17 | Casas Adobes | $1,072 |
| 18 | Oro Valley | $1,062 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $954 |
| 21 | Prescott | $952 |
| 22 | Flagstaff | $931 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $852 |
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Annual rates are comparative as the specific geographic location can impact premiums significantly.
Deciding which companies quote the cheapest car insurance rates for safe drivers may require a little more sweat than just comparing a company or two. Each auto insurer has a unique formula to set policy rates, so let’s take a look at the car insurance companies that tend to be cheaper in Chandler.
Keep in mind that Chandler car insurance rates are impacted by many factors which can significantly increase or decrease the cost of your policy. Improving your credit rating, buying another vehicle, or getting a DUI may cause policy rate changes that can now make some companies more affordable than before.
Find Cheaper Car Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $915 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,142 |
| 8 | Ameriprise Group | $1,208 |
| 9 | Allied | $1,209 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,391 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,461 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,551 |
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The Hartford may have some of the lowest car insurance rates in Chandler at around $845 per year. Auto-Owners, Safeco, Travelers, and USAA also are some of the cheapest Chandler, AZ auto insurance companies.
As depicted above, if you are insured with Travelers and switched to Auto-Owners, you may see annual savings of around $193. Insureds with USAA may save as much as $198 a year, and Progressive policyholders might see rate reductions of $203 a year.
To discover how much you can save, click here or click several companies below for low rates.
Remember that these rates are averaged across all ages of drivers and types of vehicles and and are not figured with a specific vehicle garaging location for safe drivers. So the insurer that fits your age and vehicle best may not even be in the list above. That helps illustrate why you need to get auto insurance quotes using your own specific driver and vehicle information.
Choosing the top car insurance company is difficult considering how many different companies sell coverage in Chandler. The ranking data listed below could help you decide which companies you want to consider when comparing auto insurance rates for safe drivers. The ratings below only include the companies with a significant amount of written premium nationwide, so companies that may only write in Arizona will not be included in these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Full coverage or liability only
Saving money when shopping for car insurance is the goal of most people, and one of the best ways to find cheaper insurance for safe drivers is to not insure for full coverage. The example below visualizes the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The premiums are based on no violations or accidents, $500 deductibles, single status, and no discounts are factored in.
If we average the cost for ages 20 through 70, comp and collision coverage costs $1,919 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is a waste of money. There is no clear-cut rule of when to exclude full coverage on your policy, but there is a general guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.
There are some cases where dropping full coverage is not a good plan. If you haven’t paid off your loan, you must maintain physical damage coverage as part of the loan conditions. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should keep full coverage on your policy.
How to find budget-friendly auto insurance for safe drivers
Here are a few penny-pinching suggestions that can help Chandler drivers buy lower-cost coverage.
- Having at-fault accidents will increase rates
- Claim-free policyholders usually earn a discount
- Buy a vehicle with excellent safety ratings
- Good credit can mean cheaper rates
- Maintain a clean driving record
- Compare rate quotes often
The last tip is especially significant, as we hit on in the prior information. Auto insurance rates can change in a short period of time, so don’t be afraid to switch to a new company if a lower-cost policy is available.
Staying with the same company for years is fine, but it’s not recommended if that devotion results in you overpaying hundreds every year. If you have a few minutes, compare rates and find cheaper insurance for safe drivers in Chandler.
If you like to have some advice when shopping around for cheaper insurance for safe drivers, the agencies below are a good start to help you determine which auto insurance coverages would be the best in your situation. To locate a Chandler insurance agent by location nearest to you, click the button link following the list or click here to compare price quotes.
J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141
Farmers Insurance – Brett Thomas
4040 S Arizona Ave #14 – Chandler, AZ 85248 – (480) 666-7996
State Farm: Debbie Wiltse
4980 S Alma School Rd #A6 – Chandler, AZ 85248 – (480) 792-9468
Farmers Insurance – Delia Aguirre
813 W Elliot Rd #6 – Chandler, AZ 85225 – (480) 491-3232