The words “economical” and “auto insurance” really shouldn’t be used in the same sentence, in particular when looking for the best insurance rates for infrequent drivers. Because it’s so expensive, let’s learn about a few of the factors that have an impact on car insurance rates, and find a few ways to take the bite out of your next policy.
One of the more important criteria that are looked at to determine the amount you pay each year for auto insurance is where you call home in Chandler. More densely populated places tend to have higher auto insurance costs, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.
The following table lists the highest-priced areas in Arizona for infrequent drivers to purchase car insurance in. Chandler is ranked #10 with the annual price of $1,115 on average, which is around $93 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Avondale | $1,222 |
| 2 | Phoenix | $1,218 |
| 3 | Glendale | $1,190 |
| 4 | San Tan Valley | $1,185 |
| 5 | Scottsdale | $1,151 |
| 6 | Buckeye | $1,144 |
| 7 | Goodyear | $1,120 |
| 8 | Gilbert | $1,120 |
| 9 | Tempe | $1,118 |
| 10 | Chandler | $1,115 |
| 11 | Mesa | $1,113 |
| 12 | Maricopa | $1,107 |
| 13 | Peoria | $1,093 |
| 14 | Catalina Foothills | $1,082 |
| 15 | Oro Valley | $1,062 |
| 16 | Tucson | $1,061 |
| 17 | Surprise | $1,048 |
| 18 | Casa Grande | $1,047 |
| 19 | Casas Adobes | $1,040 |
| 20 | Yuma | $954 |
| 21 | Prescott | $952 |
| 22 | Flagstaff | $931 |
| 23 | Sierra Vista | $890 |
| 24 | Bullhead City | $878 |
| 25 | Lake Havasu City | $852 |
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Rate quotes are estimated as vehicle location can alter rates substantially.
Finding low-cost insurance is confusing at best, and determining which companies offer the most affordable auto insurance rates for infrequent drivers involves a little more work. Every insurance company uses their own method for establishing rates, so let’s begin by taking a look at the most budget-friendly auto insurance companies in Chandler.
It’s important to know that Arizona auto insurance rates are impacted by many things which can substantially decrease or increase the price of your policy. Price variation is why Chandler drivers need to compare lots of rates to get the most budget-friendly insurance quotes for infrequent drivers. Insurance prices can be altered by many risk factors and change frequently, so the best price the last time you shopped around may now cost much more than other companies.
Cheapest Insurance Rates in Arizona
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $811 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | Travelers | $1,108 |
| 5 | USAA | $1,124 |
| 6 | Progressive | $1,130 |
| 7 | Ameriprise Group | $1,172 |
| 8 | GEICO | $1,177 |
| 9 | Allied | $1,197 |
| 10 | CSAA | $1,213 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | Safe Auto | $1,284 |
| 13 | Unitrin | $1,317 |
| 14 | State Farm | $1,323 |
| 15 | Farmers | $1,337 |
| 16 | American Family | $1,435 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,568 |
| Find Cheaper Rates Go | ||
The Hartford offers some of the best car insurance rates in Chandler at around $811 a year. Auto-Owners, Safeco, Travelers, and USAA would also make the list of some of the more affordable Chandler, AZ auto insurance companies.
In the rate table above, if you have coverage with Travelers and switched to Auto-Owners, you could earn an annual savings of around $220. Customers with USAA could save as much as $236 a year, and Progressive policyholders might realize rate reductions of up to $242 a year.
To discover how much you can save, click here to begin a quote or quote prices from the following companies.
Be aware that those estimates are averaged for all types of insureds and vehicles and and are not calculated with an exact vehicle garaging location for infrequent drivers. So the auto insurance company that fits your situation best may not even be in the top 28 companies in the list above. That’s why you need to get quotes using your own specific driver and vehicle information.
The example below shows how choosing a deductible can affect insurance costs when quoting cheap insurance for infrequent drivers. The premiums are based on a single female driver, full coverage, and no other discounts are factored in.
The data above shows that a 30-year-old driver could lower their car insurance rates by $368 a year by increasing from a $100 deductible up to a $500 deductible, or save $554 by changing to a $1,000 deductible. Young drivers, such as the 20-year-old example, could drop their prices as much as $824 or even more by choosing larger deductibles on their policy. When using a larger deductible, it is a good idea to have additional funds squirreled away to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Cost comparison with and without full coverage
Finding cheaper auto insurance is the goal of most vehicle owners, and one easy way to buy cheaper insurance for infrequent drivers is to not pay for full coverage. The diagram below shows the difference between yearly insurance costs with full coverage and liability only. The premiums are based on no tickets, no at-fault accidents, $100 deductibles, single marital status, and no discounts are factored in.
If the expense is averaged for all age categories, physical damage coverage on your policy costs $1,722 per year over liability only. At some point, about every driver wonders if buying full coverage is a good investment. There is no definitive guideline of when to drop full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.
There are some conditions where dropping full coverage is not financially feasible. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if your savings is not enough to buy a different vehicle if your current one is in an accident, you should keep full coverage in place.
Impact of careless driving on Chandler auto insurance rates
The obvious way to receive the best auto insurance prices in Arizona for low mileage drivers is to be a cautious driver and avoid getting tickets or having accidents. The illustration below illustrates how traffic citations and at-fault claims increase insurance rates for different ages of insureds. The premium estimates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data above shows the average cost of a car insurance policy in Arizona per year with no accidents or violations is $1,350. Add in two speeding tickets and the average cost jumps to $1,803, an increase of $453 each year. Now throw in one accident along with the two speeding tickets and the annual cost of auto insurance for infrequent drivers goes up to an average of $2,257. That’s an increase of $907, or $76 per month, just for not being attentive to the road!
How to find cheaper car insurance for infrequent drivers
The list below shows many thrifty solutions that can help you buy lower-cost auto insurance.
- Avoid having at-fault accidents
- Avoid getting citations and tickets
- Buy vehicles with five-star safety ratings
- Increase your comprehensive and collision deductibles
- Maintaining good credit helps earn cheaper rates
- Compare rates often to find the best deal
The final tip is extremely valuable, as we emphasized in this article. Prices adjust often, so drivers shouldn’t be resistant to switch companies if a cheaper rate is available. Many drivers have brand loyalty and that’s fine, but it isn’t a good idea if that loyalty ends up costing a fortune every year. If you have a few minutes, shop around to find cheaper auto insurance for infrequent drivers in Chandler.
If you aren’t sure which coverage to buy and prefer to get some help when shopping around for cheaper insurance for infrequent drivers, the professional agents shown below can help you decide which coverages are best.
To locate a Chandler auto insurance agent close to where you live, click the button following the list or click here to compare price quotes now.
- Allstate Insurance: Kevin Lum
5055 W Ray Rd Ste 22 – Chandler, AZ 85226 – (480) 883-8798 - American Family Insurance – Michael Pinta Agency Inc.
5505 W Chandler Blvd Ste 19 – Chandler, AZ 85226 – (480) 785-1500 - State Farm: Grady Hansen
1807 E Queen Creek Rd #1 – Chandler, AZ 85286 – (480) 883-7997