The car, truck, or SUV to be insured is a significant factor when shopping around for low-priced car insurance for teachers. Vehicles with higher performance characteristics, poor safety features, or a high likelihood of having liability claims will cost substantially more to insure than more economical and safe models.
The table below estimates insurance rates for a selection of the cheapest automobiles to insure in Arizona.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape Limited 4WD | $1,524 |
| Ford Explorer XLT AWD | $1,572 |
| Ford F-150 XLT Regular Cab 4WD | $1,578 |
| Honda CR-V EX 4WD | $1,622 |
| Ford Edge Limited 2WD | $1,628 |
| Chevrolet Equinox LT AWD | $1,660 |
| Honda Accord EX-L 4-Dr Sedan | $1,670 |
| Dodge Grand Caravan SXT | $1,689 |
| Chevrolet Impala LTZ | $1,750 |
| Toyota Prius | $1,753 |
| Nissan Rogue S AWD | $1,780 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,812 |
| Toyota Tacoma Double Cab 4WD | $1,854 |
| Jeep Wrangler Unlimited Sahara 2WD 4-Dr | $1,860 |
| Toyota RAV4 Limited 2WD | $1,868 |
| Ford Focus SES 4-Dr Sedan | $1,881 |
| Ford Fusion SEL AWD 4-Dr Sedan | $1,900 |
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Above prices assume single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in garaging location in Chandler, AZ which can revise rates noticeably.
Based on these rates, you can figure that makes and models like the Ford Escape, Ford Explorer, Ford F-150, Honda CR-V, and Ford Edge are most likely to be some of the cheaper vehicles to insure for teachers and educators.
One of the many criteria that are looked at to help calculate auto insurance rates is where your residence is. More populated areas are more likely to pay higher prices, whereas areas with lower crime rates and fewer weather claims receive better rates.
The next table ranks the highest-priced areas in Arizona for teachers to purchase a policy in. Chandler is ranked at #14 with a yearly premium of $1,082 for the average policyholder, which is about $90 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Avondale | $1,222 |
| 3 | Glendale | $1,214 |
| 4 | Scottsdale | $1,151 |
| 5 | San Tan Valley | $1,150 |
| 6 | Buckeye | $1,144 |
| 7 | Goodyear | $1,131 |
| 8 | Gilbert | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Mesa | $1,113 |
| 11 | Maricopa | $1,107 |
| 12 | Peoria | $1,104 |
| 13 | Tucson | $1,094 |
| 14 | Chandler | $1,082 |
| 15 | Surprise | $1,058 |
| 16 | Oro Valley | $1,051 |
| 17 | Casas Adobes | $1,050 |
| 18 | Catalina Foothills | $1,050 |
| 19 | Casa Grande | $1,047 |
| 20 | Yuma | $983 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $914 |
| 23 | Sierra Vista | $899 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $844 |
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Premium costs are approximated as the vehicle garaging location can revise premium rates noticeably.
Deciding which company offers the best insurance rates for teachers will take a bit more effort in order to find the most economical policy. Every car insurance company has their own unique process for filing rates in each state, so to begin we’ll rank the insurance companies with the overall best prices in Chandler, AZ.
It’s important to understand that Arizona insurance rates are calculated based on many things that may substantially change the policy premium. Simply improving your credit, moving to a new city, or getting a speeding ticket may prompt premium changes that may make certain companies more affordable than others.
Best Car Insurance Prices for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,075 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,166 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,208 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,303 |
| 14 | Farmers | $1,350 |
| 15 | State Farm | $1,364 |
| 16 | Amica | $1,429 |
| 17 | Titan | $1,461 |
| 18 | American Family | $1,463 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| Find Cheaper Rates Go | ||
The Hartford normally has some of the lowest car insurance rates in Chandler at around $836 per year. This is $592 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are also some of the most economical Chandler, AZ car insurance companies.
As the example above demonstrates, if you are currently insured with Safeco and switched to The Hartford, you might achieve a yearly savings of in the neighborhood of $96. Customers with Travelers could save as much as $239 a year, and USAA policyholders might see rate reductions of $277 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or feel free to get quotes from the companies below.
These policy rates are averaged for all insureds and vehicles and and are not calculated with an exact vehicle garaging location for teachers. So the insurer that is most affordable for your situation may not even be in the list above. That is why you need to compare prices as often as possible using your own driver and vehicle profiles.
Impact of speeding/accidents on insurance rates
The recommended way to obtain the best insurance rates in Chandler for teachers and educators is to be a safe driver and avoid accidents and traffic citations. The information below demonstrates how citations and at-fault accidents increase insurance rates for different categories of driver ages. The information is based on a married female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied.
In the prior example, the average cost of an auto insurance policy in Arizona per year with a clean driving record and no accidents is $1,618. Receive two speeding tickets and the average cost jumps to $2,303, an increase of $685 each year. Now get one accident along with the two speeding tickets and the yearly cost of insurance for teachers goes up to an average of $3,002. That’s an increase of $1,384, or $115 per month, just for not being a responsible driver!
Discounts on Chandler car insurance rates
Car insurance companies that offer quotes for teachers may also give you premium discounts that could lower prices by 30% or more if you are eligible. A few of the larger companies and the discounts they provide are:
- AAA discounts include education and occupation, AAA membership discount, good student, multi-policy, anti-theft, and pay-in-full.
- Progressive offers discounts including multi-vehicle, good student, online signing, multi-policy, and continuous coverage.
- State Farm policyholders can earn discounts including good student, anti-theft, driver’s education, multiple policy, multiple autos, passive restraint, and student away at school.
- Esurance offers discounts for Switch & Save, homeowner, paid-in-full, good student, and multi-car.
- Nationwide offers premium reductions for defensive driving, family plan, Farm Bureau membership, anti-theft, and good student.
The example below visualizes the comparison of insurance costs with and without discounts. The rate quotes are based on a female driver, a clean driving record, no claims, Arizona state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second bar shows the rates with defensive driving course, multiple vehicle, marriage, multiple policy, passive restraint, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for teachers is 28% or $335.
Low rates can quickly become overpriced
Chandler, AZ insurance rates are based on many factors which can substantially decrease or increase the price you pay. Simply improving your credit, buying a home, or having an accident can produce rate changes that can make some companies more affordable than competitors. Additionally, insurance companies file new Arizona auto insurance rates multiple times each year as an adjustment for underwriting gains or losses. Heavier than normal losses may result in increased rates, while lower claim expenses may cause more affordable Chandler car insurance rates.
The bar chart below shows which company has the cheapest car insurance in Chandler, AZ for a 35-year-old male driver with no accidents, a clean driving record, and good financial standing. If we estimate rates based on his personal profile, The Hartford may have the lowest car insurance rates in Chandler at $1,094 annually. This is $334 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA are the remaining cheapest Chandler, AZ auto insurance companies.
The next chart shows rates after we give the driver from the first set of rates a claim, bad credit, and an imperfect driving record. Because each company uses their own formula to set policy rates, comparing insurance quotes most likely will result in a completely different list of affordable companies as shown below.
GEICO now has the cheapest insurance rate in Chandler, AZ with CSAA, Allied, Auto-Owners, and Ameriprise Group also being competitive. This shows why it is so important to shop around with many companies when trying to get the best insurance rates for teachers.
Insurance prices are impacted by many factors and change dramatically, so the most economical option the last time you compared rates may now be wasting a lot of money.