For state workers, one of the largest things that aid in calculating auto insurance rates is where your car is garaged in Chandler. Areas with increased crime or more people tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.
The illustration below sorts the most expensive cities in Arizona for state employees in which to buy car insurance. Chandler shows up at #12 costing $1,082 for car insurance, which is around $90 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,210 |
| 4 | Scottsdale | $1,163 |
| 5 | San Tan Valley | $1,161 |
| 6 | Mesa | $1,147 |
| 7 | Gilbert | $1,142 |
| 8 | Peoria | $1,137 |
| 9 | Goodyear | $1,131 |
| 10 | Buckeye | $1,122 |
| 11 | Tempe | $1,106 |
| 12 | Chandler | $1,082 |
| 13 | Casa Grande | $1,079 |
| 14 | Maricopa | $1,074 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,061 |
| 17 | Surprise | $1,058 |
| 18 | Oro Valley | $1,051 |
| 19 | Casas Adobes | $1,050 |
| 20 | Flagstaff | $960 |
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Premium costs are estimated as specific location information can influence premiums greatly.
The car, truck, or SUV you are seeking coverage for is one of the largest factors when comparison shopping for affordable car insurance for state employees. Vehicles with limited speed and performance, excellent safety ratings, or a low likelihood of having liability claims will cost less to insure than adrenaline junky models. The next list showcases coverage prices for some of the cheapest automobiles to insure in Arizona.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord EX-L 4-Dr Sedan | $1,191 |
| Hyundai Elantra SE Touring Station Wagon | $1,198 |
| Ford Escape XLS 2WD | $1,243 |
| Honda CR-V EX-L 2WD | $1,282 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,284 |
| Dodge Grand Caravan Hero | $1,297 |
| Nissan Altima 2.5 4-Dr Sedan | $1,302 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,326 |
| Ford F-150 XLT Regular Cab 2WD | $1,364 |
| Toyota Corolla S | $1,371 |
| Toyota Camry SE | $1,364 |
| Toyota Prius | $1,382 |
| Kia Optima LX | $1,390 |
| Volkswagen Jetta 2.0T 4-Dr Sedan | $1,393 |
| Ford Explorer Eddie Bauer 2WD | $1,398 |
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Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, claim-free, and safe-driver. Rate information does not factor in garaging location in Chandler, AZ which can alter insurance rates considerably.
Based upon these rates, we can infer that models like the Honda Accord, Hyundai Elantra, Ford Escape, and Honda CR-V are most likely going to be a few of the most economical vehicles to insure for state workers.
Full coverage rates vs. liability-only
Reducing the cost of insurance is important to most vehicle owners, and one great way to lower the cost of insurance for state employees is to buy liability only. The information below illustrates the difference between premium costs when comparing full coverage to liability only. The premium estimates are based on no accidents, no driving violations, $1,000 deductibles, single marital status, and no other discounts are factored in.
Averaged for all ages 20 through 70, comp and collision coverage costs $1,704 per year over and above liability only. Lot’s of drivers question if full coverage is worth the money. There is no set rule of when to exclude physical damage coverage, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might want to think about dropping full coverage.
Ending up with a highly-rated auto insurance provider can be rather challenging considering how many different companies there are to choose from in Arizona. The ranking information in the lists below may help you analyze which providers to look at when insurance shopping for state employees.
The ratings below are for the largest companies in the United States, so companies that only write business in Arizona or surrounding areas will not be included in this list. If you would like to check rates from the most competitive companies in Arizona, simply click here.
Top 10 Large Auto Insurers Overall in Chandler
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Top 10 Large Auto Insurers in Chandler Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- Nationwide – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
- Liberty Mutual – 88%
If you aren’t sure which coverage to buy and prefer to get some professional input when comparing insurance rates for state employees, the agents listed below can help you make a decision which car insurance policy is best. To find an auto insurance agency using an interactive map, click the button following the list.
Independent Insurance Agent
5165 S Eileen Dr – Chandler, AZ 85248 – (480) 220-7233
Allstate Insurance: Joe Kennedy
2330 N Alma School Rd Ste 126 – Chandler, AZ 85224 – (480) 526-8277
Breinholt Insurance Group, LLC
1600 W Chandler Blvd #150 – Chandler, AZ 85224 – (480) 237-2050
Southwind Ins Agency, Inc.
2169 E Warner Rd Suite 103 – Tempe, AZ 85284 – (480) 543-1797
Lori Daniels – State Farm Insurance Agent
1969 W Ray Rd #1 – Chandler, AZ 85224 – (480) 892-4100
View more Chandler, AZ insurance agencies
How to find economical car insurance for state employees
Below you’ll find some of the better penny-pinching solutions that can help drivers buy cheap car insurance.
- Good credit scores may lower your rates
- Buy your homeowners policy from the same company as your auto insurance
- Buy a safer vehicle
- Older vehicles may not need full coverage
- Raise deductibles to save money
- Save money by staying claim-free
- Compare rates regularly to ensure the best deal
The final tip is extraordinarily necessary, as we emphasized in this article. Prices in Chandler fluctuate constantly, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Having a favorite company is fine, but it’s not a good idea if that loyalty ends up costing a small fortune. In just a couple of minutes you could compare prices to find cheaper insurance for state employees.