Trying to find budget auto insurance is difficult, and figuring out which insurers offer the most affordable insurance rates for high risk drivers calls for even more perseverance. Each auto insurer has a different formula for determining rates in each state, so let’s take a look at the most competitive insurance companies in Chandler.
It’s important to understand that Chandler, AZ insurance rates are calculated based on many things that will increase or decrease the price of coverage. This price variation is why drivers need to compare as many rates as possible when trying to find cheap car insurance rates for high risk drivers. Rates can be determined by many things and change dramatically, so the cheapest rate two years ago may now be costing you a lot of money.
Best Auto Insurance Prices for Risky Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $836 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $896 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | Progressive | $1,118 |
| 7 | GEICO | $1,142 |
| 8 | Allied | $1,197 |
| 9 | Ameriprise Group | $1,220 |
| 10 | CSAA | $1,225 |
| 11 | Farm Bureau Mutual | $1,259 |
| 12 | State Farm | $1,323 |
| 13 | Safe Auto | $1,336 |
| 14 | Farmers | $1,350 |
| 15 | Unitrin | $1,357 |
| 16 | American Family | $1,463 |
| 17 | Titan | $1,476 |
| 18 | Amica | $1,487 |
| 19 | MetLife | $1,521 |
| 20 | California Casualty | $1,552 |
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The Hartford quotes some of the most affordable car insurance rates in Chandler at around $836 a year. This is $592 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also are some of the lowest-priced Chandler, AZ car insurance companies.
In the rate table above, if you currently have a policy with USAA and switched to Auto-Owners, you may realize savings of in the neighborhood of $192. Customers with Travelers may save as much as $198 a year, and Progressive policyholders might see rate reductions of $230 a year.
If you want to see how much you could save, click here or click several companies below for low rates.
Be aware that those estimates are averages for all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for high risk drivers. So the auto insurance company that can offer you the lowest price may not even be in the top 28 companies shown above. That is why you need to compare rates from multiple companies using your own personal information and vehicle type.
For high risk drivers, one of the big considerations that are looked at to determine auto insurance rates is where you live. Areas with more people or higher crime rates will most likely pay more, whereas areas that tend to be more rural have the gratification of cheaper auto insurance rates.
The following table shows the most costly cities in Arizona for high risk drivers in which to purchase auto insurance. Chandler makes the list at #13 with a yearly cost of $1,082 for car insurance, which is approximately $90 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Phoenix | $1,231 |
| 2 | Glendale | $1,226 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,161 |
| 5 | Gilbert | $1,154 |
| 6 | Scottsdale | $1,151 |
| 7 | Buckeye | $1,144 |
| 8 | Peoria | $1,137 |
| 9 | Mesa | $1,125 |
| 10 | Goodyear | $1,120 |
| 11 | Tempe | $1,118 |
| 12 | Maricopa | $1,107 |
| 13 | Chandler | $1,082 |
| 14 | Tucson | $1,072 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Surprise | $1,058 |
| 17 | Casas Adobes | $1,050 |
| 18 | Casa Grande | $1,047 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $963 |
| 21 | Flagstaff | $960 |
| 22 | Prescott | $924 |
| 23 | Sierra Vista | $899 |
| 24 | Lake Havasu City | $878 |
| 25 | Bullhead City | $878 |
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Rate information is estimated as specific location information can revise premiums considerably.
Driving violations and accidents
The recommended way to get the cheapest insurance rates in Arizona for high risk drivers is to be a safe driver and maintain a clean driving record. The information below demonstrates how citations and at-fault accidents can impact premium costs for different categories of driver ages. The premiums assume a single male driver, full coverage, $500 deductibles, and no policy discounts are applied.
The chart shows that the average cost of an auto insurance policy in Chandler per year with no accidents and a clean driving record is $1,417. Get written up for two speeding tickets and the average cost rises to $1,869, an increase of $452 each year. Now add in two accidents along with the two speeding tickets and the annual cost of insurance for high risk drivers goes up to an average of $3,637. That’s an increase of $2,220, or $185 per month, just for not driving carefully!
How to find a good Arizona insurance company
Finding a high-quality car insurance provider is difficult considering how many choices drivers have in Chandler. The company information in the next section may help you decide which insurers to look at when comparing auto insurance rates for high risk drivers.
The ratings below only include the companies with a significant amount of written premium nationwide, so companies without a large exposure will not be included in these rankings. To get rate quotes from these top-rated insurers and more, just click here.
Top 10 Large Auto Insurers 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 Insurers in Chandler Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- GEICO
- Liberty Mutual
- Progressive
- Allstate
- Titan Insurance
- The Hartford
- Mercury Insurance
Rate comparison of full coverage and liability-only
Saving money when shopping for insurance is probably important to most vehicle owners, and one of the easiest ways to find cheap insurance for high risk drivers is to buy liability only. The chart below compares car insurance rates with full coverage compared to only the Arizona minimum liability coverage. The data is based on a clean driving record, no claims, $1,000 deductibles, single status, and no discounts are taken into consideration.
If we average the cost for all age groups, physical damage insurance costs $1,263 per year more than just insuring for liability. That brings up the question if buying full coverage is worth the expense. There is no exact rule to exclude physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it might be time to consider dropping full coverage.
For example, let’s say your vehicle’s settlement value is $10,500 and you have $1,000 policy deductibles. If your vehicle is destroyed, you would only receive $9,500 after paying the physical damage deductible. If it’s costing in excess of $950 a year for your policy with full coverage, then you may want to consider only buying liability coverage.
There are some cases where dropping full coverage is not a good plan. If you have an outstanding loan on your vehicle, you must maintain physical damage coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should not drop full coverage.
If you prefer to get some professional input when shopping for the best coverage for high risk drivers, the agencies below can most likely help you determine which policy fits your needs best.
To find an auto insurance agency in your neighborhood, click the button at the bottom or click here to compare rates now.
- Scott Thomas – State Farm Insurance Agent
950 E Pecos Rd #2 – Chandler, AZ 85225 – (480) 782-0100 - American Family Insurance – Arturo Alatorre
600 W Ray Rd Ste D4 – Chandler, AZ 85225 – (480) 246-8479 - J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141