One of the many components that are looked at to determine insurance cost is the neighborhood you call home. Areas with increased crime or more people will most likely pay more, whereas areas with less congestion have the enjoyment of a little cheaper coverage.
The information below rates the most costly cities in Arizona for teenage females to buy auto insurance in. Chandler is listed at #14 with the annual price of $1,093 for the average insured, which is around $91 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,190 |
| 3 | San Tan Valley | $1,185 |
| 4 | Avondale | $1,174 |
| 5 | Gilbert | $1,142 |
| 6 | Goodyear | $1,131 |
| 7 | Scottsdale | $1,129 |
| 8 | Mesa | $1,113 |
| 9 | Buckeye | $1,110 |
| 10 | Maricopa | $1,107 |
| 11 | Tempe | $1,106 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,093 |
| 15 | Casa Grande | $1,089 |
| 16 | Catalina Foothills | $1,082 |
| 17 | Surprise | $1,058 |
| 18 | Oro Valley | $1,051 |
| 19 | Casas Adobes | $1,050 |
| 20 | Flagstaff | $960 |
| 21 | Yuma | $954 |
| 22 | Prescott | $942 |
| 23 | Bullhead City | $905 |
| 24 | Sierra Vista | $872 |
| 25 | Lake Havasu City | $852 |
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Premium amounts are approximated as the vehicle garaging location can increase or decrease insurance rates greatly.
Comparing rates for affordable car insurance is not the easiest thing to do, and figuring out which companies have the cheapest auto insurance rates for teenage females involves even more diligence.
Each auto insurance company uses their own formula to determine rates, so let’s rank the auto insurance companies with the overall best prices in Arizona. It’s a good idea to be aware that Chandler auto insurance rates are calculated based on many things which can significantly increase or decrease the price you pay. That is why consumers need to perform an extensive rate comparison to get the cheapest car insurance quotes for teenage females. Prices are calculated by many things and change substantially, so the most affordable company the last time you compared rates may now not even be in the top five.
Find Cheaper Car Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,177 |
| 8 | Allied | $1,197 |
| 9 | CSAA | $1,213 |
| 10 | Ameriprise Group | $1,220 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Safe Auto | $1,297 |
| 13 | Unitrin | $1,303 |
| 14 | State Farm | $1,337 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,463 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
| Quote Your Rates Go | ||
The Hartford quotes some of the best car insurance rates in Chandler at around $845 annually. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the lowest-priced Chandler, AZ auto insurance companies.
In the rate table above, if you currently have coverage with Travelers and switched to The Hartford, you may realize yearly savings of upwards of $230. Drivers with USAA may save as much as $268 a year, and Progressive customers might reduce rates by $285 a year.
These estimates are averages for all drivers and vehicles and are not factoring in a vehicle location for teenage females. So the company that has the cheapest price for you may not even be in the top 28 companies shown above. That helps illustrate why you need to get car insurance quotes using your own personal information and vehicle type.
The car, truck, or SUV you are buying coverage for is one of the largest factors when comparison shopping for low-cost car insurance for teenage females. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of having liability claims will cost quite a bit less to insure than high performance models. The data below estimates coverage costs for some of the cheapest automobiles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $4,710 |
| Honda CR-V EX-L 4WD | $4,756 |
| Toyota Prius | $5,102 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $5,292 |
| Ford Focus SE 4-Dr Sedan | $5,546 |
| Ford Edge SEL AWD | $5,551 |
| Toyota Camry LE | $5,592 |
| Jeep Grand Cherokee Laredo 2WD | $5,602 |
| Toyota RAV4 Sport 4WD | $5,592 |
| GMC Sierra SLE Crew Cab 2WD | $5,597 |
| Chevrolet Equinox LS 2WD | $5,592 |
| Nissan Altima 2.5 4-Dr Sedan | $5,602 |
| Chevrolet Malibu LS | $5,592 |
| Ford Explorer Limited 4WD | $5,638 |
| Dodge Grand Caravan Crew | $5,647 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $5,638 |
| Toyota Corolla S | $5,889 |
| Honda Odyssey EX-L W/Navigation | $5,897 |
| Hyundai Elantra GLS 4-Dr Sedan | $5,889 |
| Chevrolet Impala LTZ | $5,899 |
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Cost estimates assume single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, and claim-free. Rates do not factor in specific garaging location which can raise or lower coverage rates noticeably.
Looking at the rates, you can expect vehicles like the Ford Escape, Honda CR-V, Toyota Prius, Jeep Wrangler, and Ford Focus are going to be a few of the cheaper vehicles to insure for teen girls. The price of auto insurance will be more costly just due to the fact that there is more inherent risk for teenage females, but overall those specific models will most likely have the least expensive rates that you’ll find.
Does full coverage make sense?
Paying less for auto insurance should be important to most vehicle owners, and an easy way to buy cheap insurance for teenage females is to only pay for liability coverage. The diagram below shows the difference between yearly insurance costs with full physical damage coverage compared to only buying liability only. The costs are based on no driving violations, no at-fault accidents, $500 deductibles, drivers are not married, and no policy discounts are applied.
If we average all the age groups together, comp and collision coverage costs $1,889 per year over and above liability only. That may make you wonder if it’s worth it to buy full coverage. There is no definitive rule to drop physical damage insurance, but there is a general school of thought. If the annual cost of your full coverage insurance is more than 10% of any settlement you would receive from your insurance company, then it may be the right time to buy liability only.
How to get discounts on Chandler car insurance
Insurance providers that offer coverage for teenage females may additionally offer discounts that can lower rates by as much as 30% if you qualify for them. The best auto insurance companies and some of the discounts are detailed below.
- GEICO has savings for federal employee, anti-lock brakes, good student, defensive driver, military active duty, air bags, and driver training.
- USAA policyholders can earn discounts including multi-vehicle, military installation, driver training, good student, loyalty savings, and annual mileage.
- Progressive offers discounts for online quote discount, multi-policy, multi-vehicle, homeowner, and continuous coverage.
- American Family offers discounts including good student, good driver, defensive driver, mySafetyValet, accident-free, and multi-vehicle.
- Esurance may have discounts that include anti-lock brakes, good student, Pac-12 alumni, anti-theft, multi-policy, claim free, and online quote.
- Farmers Insurance may include discounts for alternative fuel, youthful driver, teen driver, multi-car, mature driver, pay in full, and homeowner.
- State Farm may offer discounts for Steer Clear safe driver discount, passive restraint, defensive driving training, safe vehicle, Drive Safe & Save, student away at school, and anti-theft.
The example below visualizes the comparison of insurance prices with and without discounts applied to the rates. The premiums are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with paperless filing, anti-theft, vehicle safety, passive restraint, good student, and continuous coverage discounts applied. When these discounts are applied, the average amount saved each year on auto insurance for teenage females is 28% or $577.
Choosing the top company is difficult considering how many choices there are in Arizona. The rank data below can help you choose which auto insurers you want to consider shopping prices with.
The ratings below include companies that write coverage in many states, so companies that have a smaller presence are not taken into consideration for this list. To compare rates and find cheaper insurance for teenage females, simply click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Don’t make the mistake of not shopping around
Chandler auto insurance rates are determined by lots of factors that can increase the price you pay. Simply having another birthday, moving across town, or having a fender bender can cause premium changes resulting in some companies being more affordable than before. Not only may your risk profile change, but car insurance companies amend premium rates every year or even multiple times each year to adjust for unexpected claims or profits. Heavy losses may cause additional premium costs, while less frequent claims may produce cheaper Chandler car insurance rates.
The bar chart below analyzes the cheapest car insurance in Chandler, AZ for a 35-year-old female driver with no prior accidents, a clean driving record, and solid credit. If we estimate rates based on her personal risk profile, The Hartford might offer the lowest car insurance rates in Chandler at $1,083 annually. This is $345 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the rest of the best Chandler, AZ auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a couple of claims, a lower credit rating, and a few blemishes on her driving record. Because each company has their own process for establishing rates, analyzing rates most likely will result in a slightly different list of the cheapest car insurance companies in Chandler as shown below.
GEICO now has the lowest price on auto insurance in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Farm Bureau Mutual completing the list. This shows why drivers need to perform an extensive rate comparison to find the cheapest auto insurance rates for teenage females. Rates consist of many risk factors and change frequently, so the best company the last time you shopped around may now cost much more than other companies.