Deciding which companies quote the most affordable car insurance rates for active military will require a little more sweat than just quoting one company’s rates. Each company has a proprietary formula to set premium rates, so we need to take a look at the most budget-friendly car insurance companies in Chandler.
It’s a good idea to be aware that Arizona car insurance rates are calculated based on many things that control the price you have to pay. Turning one year older, filing a claim, or getting a few speeding tickets can trigger rate changes that can now make some companies more affordable than the competition.
Cheapest Insurance Rates for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,164 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,378 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,478 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
| Find Your Rate Go | ||
The Hartford generally has some of the lowest car insurance rates in Chandler at around $836 per year. Safeco, Auto-Owners, Travelers, and USAA would also be considered some of the best Chandler, AZ car insurance companies.
As the example above demonstrates, if you buy coverage from USAA and switched to Safeco, you may realize yearly savings of about $201. Customers with Progressive might save as much as $241 a year, and GEICO insureds might realize rate reductions of up to $243 a year.
To get a quick, customized rate comparison, click here or click several companies below for low rates.
Understand that those premium estimates are averaged across all drivers and vehicles in Arizona and and are not calculated with an exact location for active military. So the insurer that has the cheapest rates for you may not even be in the top 28 companies shown above. That is why you need to compare prices as often as possible using your own specific driver and vehicle information.
For military personnel, one of the largest considerations that help determine insurance cost is where you keep your car. Larger areas are more likely to pay higher prices, whereas areas with less congestion get the luxury of paying less.
The information below sorts the priciest cities in Arizona for active military in which to buy car insurance. Chandler shows up at #7 with a yearly premium of $1,126 on average, which is approximately $94 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,218 |
| 2 | San Tan Valley | $1,185 |
| 3 | Glendale | $1,178 |
| 4 | Avondale | $1,174 |
| 5 | Scottsdale | $1,151 |
| 6 | Buckeye | $1,144 |
| 7 | Chandler | $1,126 |
| 8 | Maricopa | $1,118 |
| 9 | Mesa | $1,113 |
| 10 | Gilbert | $1,108 |
| 11 | Tempe | $1,106 |
| 12 | Peoria | $1,093 |
| 13 | Surprise | $1,090 |
| 14 | Casa Grande | $1,089 |
| 15 | Goodyear | $1,087 |
| 16 | Casas Adobes | $1,082 |
| 17 | Tucson | $1,072 |
| 18 | Catalina Foothills | $1,072 |
| 19 | Oro Valley | $1,051 |
| 20 | Flagstaff | $960 |
| Find Cheaper Insurance Go | ||
Rate quotes are estimated as the specific garaging location can influence premiums greatly.
Careless Chandler drivers pay higher rates
The best way to earn the most affordable car insurance prices for military personnel is to be a good driver and avoid traffic citations and accidents. The diagram below illustrates how violations and at-fault claims impact insurance rates for different age groups. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.
In the previous chart, the average cost of car insurance in Chandler per year with no accidents and a clean driving record is $1,263. Receive two speeding tickets and the average cost hikes up to $1,660, an increase of $397 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for active military goes up to an average of $3,322. That’s an increase of $2,060, or $172 per month, just for not being attentive to the road!
Arizona car insurance company ratings
Buying coverage from the best car insurance provider can be challenging considering how many choices there are in Arizona. The ranking data listed below can help you pick which providers to look at when buying insurance for active military. The ratings below are only made up of the largest auto insurers in America, so smaller companies that only insure vehicles in Arizona will not be included in the list.
Top 10 Large Auto Insurance Providers in Chandler Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- Mercury Insurance
- AAA Insurance
- State Farm
- Nationwide
- Safeco
Top 10 Large Auto Insurance Providers Overall in Chandler
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Mercury Insurance
Cost comparison with and without full coverage
Finding the cheapest car insurance is the goal of the majority of vehicle owners, and an effective way to reduce the cost of insurance for active military is to not insure for full coverage. The illustration below compares insurance rates with full physical damage coverage and with liability coverage only. The data assumes no claims, a clean driving record, $500 deductibles, drivers are single, and no discounts are applied to the premium.
Averaged for all age groups, physical damage coverage costs $1,889 per year more than buying just liability insurance. That proposes the question if you should buy full coverage. There is no set rule to stop buying physical damage coverage, but there is a guideline you can use. If the annual cost of having full coverage is more than 10% of the replacement cost minus the deductible, then you may want to consider only buying liability coverage.
For example, let’s pretend your vehicle’s claim settlement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,500 after the deductible is paid. If you are paying over $350 annually to have full coverage, then you may need to consider dropping full coverage.
Compare rates to save
Chandler car insurance rates are impacted by many things that control the price you pay for coverage. Simply having another birthday, moving across town, or getting a DUI may prompt premium changes that can cause some rates to be more affordable than competitors.
Additionally, insurers file new rates without warning in order to protect their financial rating. Unexpectedly high claims may cause increased policy costs, while profitable underwriting may produce cheaper Chandler car insurance rates.
For example, the bar chart below analyzes the cheapest car insurance in Chandler, AZ for a 30-year-old male driver with no prior claims, no tickets, and solid credit. When quoting prices based on his current risk profile, The Hartford may offer the most affordable car insurance rates in Chandler at $1,116 annually. This is $312 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, Travelers, and USAA are the remainder of the cheapest Chandler, AZ auto insurance companies.
The chart below compares rates after we give the driver in the first example an accident surcharge, a lower credit rating, and a traffic citation. Due to the fact that every auto insurer has a proprietary method to set their prices, analyzing rate quotes may now result in a substantially altered list of affordable Chandler car insurance companies as shown below.
Progressive now has the lowest price in Chandler with CSAA, Ameriprise Group, Allied, and Safe Auto also having competitive pricing. This example illustrates why drivers need to do a thorough rate comparison to get affordable car insurance quotes for active military. Car insurance prices consist of many different factors and can increase or decrease at any time, so the lowest-price company when you bought your policy may now be one of the more expensive options.