Wouldn’t it be great if we could just tell you the single best company in Chandler that has the best rates for drivers under 21? Unfortunately, it’s just not that easy, as there are a ton of unknown elements like the deductible level you need, if you are a man or woman, and your date of birth, that all have an effect on the price of a policy. We will touch on some of these topics and will hopefully give you a good start to your coverage search.
For minors, one of the big criteria that are used to help calculate auto insurance rates is where your residence is. Areas with more people or higher crime rates tend to have higher rates, whereas more rural areas have the luxury of cheap car insurance rates.
The illustration below shows the most expensive cities in Arizona for drivers under 21 to purchase a policy in. Chandler ranks #17 with a yearly cost of $1,082 for coverage, which is around $90 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $1,226 |
| 2 | Phoenix | $1,218 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Scottsdale | $1,151 |
| 6 | Buckeye | $1,144 |
| 7 | Tempe | $1,140 |
| 8 | Peoria | $1,137 |
| 9 | Mesa | $1,113 |
| 10 | Gilbert | $1,108 |
| 11 | Tucson | $1,105 |
| 12 | Goodyear | $1,098 |
| 13 | Surprise | $1,090 |
| 14 | Maricopa | $1,085 |
| 15 | Casas Adobes | $1,082 |
| 16 | Catalina Foothills | $1,082 |
| 17 | Chandler | $1,082 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $954 |
| 21 | Flagstaff | $931 |
| 22 | Prescott | $924 |
| 23 | Lake Havasu City | $878 |
| 24 | Sierra Vista | $872 |
| 25 | Bullhead City | $869 |
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Rates are comparative as the garaging address in Chandler can affect insurance rates greatly.
The vehicle model you are trying to insure is probably the biggest factor when trying to find the best cheap car insurance for drivers under 21. Vehicles with higher performance characteristics, a lack of modern safety features, or a history of substantial liability claims will cost more to insure than more modest models.
The next table outlines insurance premiums for a handful of the most cost-effective automobiles to insure in Arizona.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 2WD | $3,356 |
| Ford Escape Limited 2WD | $3,405 |
| Ford F-150 STX Regular Cab 2WD | $3,690 |
| Toyota Prius | $3,702 |
| Toyota Tacoma 2WD | $3,938 |
| Ford Focus S 4-Dr Sedan | $3,944 |
| Chevrolet Equinox LT AWD | $3,987 |
| Chevrolet Impala LT | $3,997 |
| Volkswagen Jetta S 4-Dr Sedan | $3,987 |
| Jeep Grand Cherokee Laredo 2WD | $3,993 |
| Toyota RAV4 Limited 4WD | $3,987 |
| Dodge Grand Caravan Crew | $4,036 |
| Ford Explorer Limited AWD | $4,041 |
| Chevrolet Malibu LT | $4,036 |
| Honda Civic EX 4-Dr Sedan | $4,187 |
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can influence prices greatly.
Looking at the numbers, vehicles like the Honda CR-V, Ford Escape, Ford F-150, Toyota Prius, and Toyota Tacoma are most likely to be some of the more affordable vehicles to insure for minors. Car insurance rates will tend to be more expensive because there is more exposure for drivers under 21, but generally speaking those particular vehicles will most likely have the lowest insurance prices that you’ll find.
Finding reliable, reasonably-priced insurance is confusing at best, and figuring out which companies quote the best insurance rates for drivers under 21 will involve a little more work.
Each company uses their own calculation for setting rates, so we’ll take a look at the insurance companies with the overall cheapest rates in Arizona.
Compare Cheap Insurance Quotes for Minors
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $820 |
| 2 | Auto-Owners | $924 |
| 3 | Safeco | $932 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | Progressive | $1,130 |
| 7 | GEICO | $1,166 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,177 |
| 10 | Allied | $1,233 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,336 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,391 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,443 |
| 18 | American Family | $1,478 |
| 19 | California Casualty | $1,506 |
| 20 | MetLife | $1,521 |
| Quote Your Rates Go | ||
The Hartford generally has some of the lowest car insurance rates in Chandler at around $820 per year. This is $608 less than the average price paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the cheaper Chandler, AZ insurance companies.
In the above example, if you currently have a policy with Safeco and switched to The Hartford, you might see savings of around $112. Insureds with Travelers might save as much as $266 a year, and USAA customers might realize rate reductions of up to $293 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or visit several of the following companies.
These premium estimates are averages across all ages of drivers and types of vehicles and and are not figured with an exact vehicle garaging location for drivers under 21. So the auto insurance company that has the lowest price for you may not even be in the list above. That underscores the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
How to get discounts on Chandler car insurance rates
Car insurance companies that offer quotes for drivers under 21 may provide policy discounts that can lower rates by 25% or more if you qualify. A list of companies and some of their more popular discounts are shown below.
- Progressive has discounts for online signing, multi-vehicle, multi-policy, online quote discount, and homeowner.
- Farmers Insurance discounts include alternative fuel, mature driver, teen driver, early shopping, multi-car, business and professional, and bundle discounts.
- Farm Bureau policyholders can earn discounts including multi-policy, 55 and retired, renewal discount, multi-vehicle, good student, and youthful driver.
- State Farm offers discounts for passive restraint, accident-free, anti-theft, good driver, and multiple autos.
- GEICO has savings for multi-policy, military active duty, five-year accident-free, multi-vehicle, membership and employees, and driver training.
- SAFECO may include discounts for drive less, anti-theft, multi-car, homeowner, and bundle discounts.
- Liberty Mutual includes discounts for hybrid vehicle, exclusive group savings, teen driver discount, newly retired, and new graduate.
The diagram below shows the comparison of insurance rates with and without discounts applied to the policy premium. The data assumes a female driver, no tickets, no at-fault accidents, Arizona state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with continuous coverage, paperless filing, paid-in-full, vehicle safety, anti-theft, and good student discounts applied. In this example, theaverage yearly reduction on insurance for drivers under 21 is 21% or $463.
Full coverage versus liability-only in Chandler
Lowering the price of insurance is important to most drivers, and a great way to buy cheap insurance for drivers under 21 is to not insure for full coverage. The example below shows the difference between auto insurance costs with full physical damage coverage and with liability coverage only. The price estimates are based on a clean driving record, no claims, $100 deductibles, marital status is single, and no discounts are taken into consideration.
As an overall average, full coverage on your policy costs an extra $2,305 per year over having just liability coverage. A very common question is when is it safe to stop buying full coverage. There is no specific rule of when to exclude physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of the replacement cost minus the deductible, then it might be time to consider dropping full coverage.
For example, let’s pretend your vehicle’s book value is $10,500 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most your company will settle for is $9,500 after the deductible is paid. If it’s costing in excess of $950 a year to have full coverage, then you might consider buying liability only.
There are some circumstances where dropping physical damage coverage is not advised. If you still owe a portion of the original loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not buy liability only.
Accidents and violations increase rates
The easiest method to earn the most affordable insurance rates for minors is to be a careful driver and have a clean driving record. The diagram below highlights how speeding tickets and at-fault collisions increase insurance costs for each age group. The premium estimates are based on a single female driver, full coverage, $1,000 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy per year with no violations or accidents is $1,605. Receive two speeding tickets and the average cost surges to $2,138, an increase of $533 each year. Now add in two accidents along with the two speeding tickets and the annual cost of insurance for drivers under 21 increases to an average of $4,376. That’s an increase of $2,771, or $231 per month, just for not driving safely!