For hybrids, one of the largest factors that are used to help calculate the annual cost of car insurance is your address. Cities with larger populations or higher claim trends tend to have higher auto insurance costs, whereas areas that tend to be more rural receive better rates.
The information below rates the priciest cities in Arizona for hybrid vehicles to buy auto insurance in. Chandler is listed at #9 with an annual rate of $1,115 for coverage, which is approximately $93 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,190 |
| 3 | Avondale | $1,186 |
| 4 | San Tan Valley | $1,185 |
| 5 | Scottsdale | $1,163 |
| 6 | Mesa | $1,159 |
| 7 | Tempe | $1,152 |
| 8 | Goodyear | $1,131 |
| 9 | Chandler | $1,115 |
| 10 | Buckeye | $1,110 |
| 11 | Gilbert | $1,108 |
| 12 | Maricopa | $1,107 |
| 13 | Peoria | $1,093 |
| 14 | Casa Grande | $1,089 |
| 15 | Catalina Foothills | $1,072 |
| 16 | Tucson | $1,072 |
| 17 | Surprise | $1,048 |
| 18 | Casas Adobes | $1,040 |
| 19 | Oro Valley | $1,020 |
| 20 | Yuma | $954 |
| 21 | Prescott | $942 |
| 22 | Flagstaff | $931 |
| 23 | Bullhead City | $878 |
| 24 | Sierra Vista | $863 |
| 25 | Lake Havasu City | $852 |
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Information shown are approximated as the specific Chandler residence address can affect price quotes greatly.
The vehicle that needs insurance is a significant factor when consumers are trying to find the most affordable insurance for hybrid vehicles. Vehicles with limited top-end speed, good crash test ratings, or a positive history of liability claims will cost substantially less to insure than fast, unsafe models.
The next table illustrates auto insurance costs for a handful of the most economical vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,274 |
| Toyota Prius | $1,378 |
| Ford Escape XLT 2WD | $1,429 |
| Ford Edge SEL AWD | $1,446 |
| Toyota Tacoma 2WD | $1,451 |
| GMC Sierra SLE Crew Cab 2WD | $1,474 |
| Dodge Grand Caravan Crew | $1,502 |
| Ford Explorer Limited 4WD | $1,511 |
| Honda Accord EX-L 4-Dr Sedan | $1,548 |
| Ford Fusion SEL 4-Dr Sedan | $1,578 |
| Nissan Altima 3.5 SR 4-Dr Sedan | $1,584 |
| Nissan Rogue SL 2WD | $1,581 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,659 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,684 |
| Kia Optima EX | $1,691 |
| Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD | $1,710 |
| Ford F-150 FX4 4WD | $1,717 |
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in vehicle location which can revise insurance rates significantly.
Looking at the numbers, models like the Honda CR-V, Toyota Prius, Ford Escape, Ford Edge, and Toyota Tacoma should be some of the most economical vehicles to insure for hybrids.
Finding reliable, reasonably-priced auto insurance is not the easiest thing to accomplish, and finding out which company quotes the most affordable auto insurance rates for hybrid vehicles calls for even more rate comparisons.
Each company has a proprietary formula to set policy rates, so let’s take a look at the auto insurance companies with the overall cheapest rates in Chandler. It’s important to know that Arizona auto insurance rates are determined by lots of factors that can increase the price of your policy. Getting older, becoming a homeowner, or getting caught speeding may cause policy rate changes that may make certain companies cheaper than competitors.
Find Cheaper Auto Insurance for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $923 |
| 3 | Auto-Owners | $924 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,124 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,164 |
| 8 | CSAA | $1,177 |
| 9 | Ameriprise Group | $1,220 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,297 |
| 12 | Unitrin | $1,303 |
| 13 | Safe Auto | $1,323 |
| 14 | Farmers | $1,337 |
| 15 | State Farm | $1,377 |
| 16 | Amica | $1,429 |
| 17 | American Family | $1,435 |
| 18 | Titan | $1,461 |
| 19 | MetLife | $1,505 |
| 20 | California Casualty | $1,568 |
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The Hartford generally has some of the most affordable car insurance rates in Chandler at around $845 per year. Safeco, Auto-Owners, Travelers, and USAA would also make the list of some of the best Chandler, AZ insurance companies.
As depicted above, if you have coverage with USAA and switched to Safeco, you might see an annual premium reduction of upwards of $201. Customers with GEICO might save as much as $208 a year, and Progressive policyholders might reduce prices by as much as $241 a year.
To see if you’re overpaying, click here or visit any of the companies below.
Understand that those premiums are averages across all drivers and vehicles in Arizona and do not factor in an exact zip code location for hybrid vehicles. So the company that has the cheapest rates for you may not even be in the top 28 companies shown above. That underscores the importance of why you need to get rate quotes using your own personalized driver profile and vehicle information.
The diagram below illustrates how your deductible choice can change premium costs when quoting cheap insurance for hybrid vehicles. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 30-year-old driver could pocket $374 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $564 by selecting a $1,000 deductible. Youthful drivers, such as the Age 20 example, could shave up to $1,114 annually by selecting a higher deductible.
When choosing a higher deductible, it will now be necessary to have spare funds to allow you to cover the extra out-of-pocket expense, which deters some people from using high deductibles.
Difference between liability only and full coverage rates
Paying a lower price for auto insurance is the goal of the majority of vehicle owners, and a good way to save on the cost of insurance for hybrid vehicles is to not buy comprehensive and collision coverage. The example below visualizes the comparison of yearly insurance costs with and without physical damage coverage. The rates are based on no accidents or driving violations, $1,000 deductibles, drivers are not married, and no discounts are applied.
As an average, full coverage costs an additional $1,704 per year more than just buying liability insurance. Many of you may wonder when is the right time to remove full coverage. There is no definitive rule of when to stop paying for comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is about 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
For example, let’s assume your vehicle’s replacement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $4,500 after paying your deductible. If it’s costing you more than $450 a year for your policy with full coverage, then it could be time to drop full coverage.
Chandler auto insurance companies
Picking a good quality company can be difficult considering how many choices there are in Arizona. The company rank data listed below could help you decide which auto insurance companies you want to consider comparing rate quotes with. The ratings below are for companies with a nationwide focus, so smaller regional companies will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
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Data Source: Insure.com Best Car Insurance Companies
How to find the cheapest auto insurance for hybrid vehicles
Below you’ll find some of the recommended thrifty solutions that can help drivers locate cheaper car insurance.
- Drive a car with a high safety rating
- Save money by obeying traffic laws and keeping a clean driving record
- Maintaining good credit helps earn cheaper rates
- Frequent claims will increase rates
- Prevent price hikes by avoiding at-fault accidents
- Compare prices as often as possible
That last idea is incredibly critical, as was emphasized in this article. Rates in Chandler vary considerably, so drivers shouldn’t be reluctant to buy from a new company if a lower-cost policy is available.
Many drivers have brand loyalty and that’s fine, but we do not recommend it if that stubbornness costs you a lot of money. Now is a great time to compare rates to find cheaper car insurance for hybrid vehicles.
If you have questions and prefer to get some professional advice when shopping for cheaper insurance for hybrid vehicles, the agents shown below can most likely answer your questions and help you decide which coverage fits your budget. To locate an agency closest to you, click the button link following the list.
Nationwide – Daniel McLean Kendree AGENCY
1005 S Arizona Ave – Chandler, AZ 85286 – (480) 857-0056
Sean Paul Insurance Agency
333 N Dobson Rd #160 – Chandler, AZ 85224 – (480) 525-8846
J L Pound Insurance Agency
12139 E Cloud Rd – Chandler, AZ 85249 – (602) 284-2141
State Farm: Tara Poaletti
300 N Gila Springs Blvd #150 – Chandler, AZ 85226 – (480) 659-5263