Deciphering which company offers the lowest-priced insurance rates for 4×4 vehicles takes a tad more effort in order to find the best policy. Every car insurance company has their own guidelines to determine rates, so we need to take a look at the most competitive insurance companies in Arizona.
It’s a good idea to be aware that Arizona insurance rates are impacted by many factors that control the cost of your policy. Getting older, filing a claim, or having a fender bender may cause policy rate changes that can now make some companies cheaper than others.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Auto-Owners | $888 |
| 3 | Safeco | $923 |
| 4 | Travelers | $1,086 |
| 5 | USAA | $1,113 |
| 6 | GEICO | $1,131 |
| 7 | Progressive | $1,152 |
| 8 | Ameriprise Group | $1,172 |
| 9 | CSAA | $1,177 |
| 10 | Allied | $1,209 |
| 11 | Safe Auto | $1,284 |
| 12 | Farm Bureau Mutual | $1,297 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | Amica | $1,429 |
| 18 | American Family | $1,435 |
| 19 | MetLife | $1,551 |
| 20 | California Casualty | $1,568 |
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The Hartford quotes some of the lowest car insurance rates in Chandler at around $845 per year. This is $583 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, Travelers, and USAA also rank well as some of the more affordable Chandler, AZ car insurance companies.
In this example, if you currently have coverage with Travelers and switched to Auto-Owners, you might realize annual savings of in the vicinity of $198. Customers with USAA may save as much as $225 a year, and GEICO policyholders might cut rates by $243 a year.
Remember that these premium estimates are averaged for all drivers and vehicles and do not take into consideration a specific vehicle garaging location for 4×4 vehicles. So the company that can offer you the lowest price may not even be in the top 28 companies in the list above. That is why you need to get quotes using your own specific driver information and vehicle.
One of the more important components that help determine the cost of insurance is where your car is garaged. Larger areas tend to pay more, whereas areas with less people or fewer weather incidents tend to receive cheaper rates.
The next table lists the most expensive places in Arizona for 4×4 vehicles in which to purchase auto insurance. Chandler ranks #10 with the annual price of $1,115 for coverage, which is around $93 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Phoenix | $1,255 |
| 2 | Glendale | $1,178 |
| 3 | Avondale | $1,174 |
| 4 | Buckeye | $1,156 |
| 5 | Tempe | $1,152 |
| 6 | Scottsdale | $1,151 |
| 7 | San Tan Valley | $1,150 |
| 8 | Mesa | $1,147 |
| 9 | Peoria | $1,126 |
| 10 | Chandler | $1,115 |
| 11 | Gilbert | $1,108 |
| 12 | Casa Grande | $1,089 |
| 13 | Goodyear | $1,087 |
| 14 | Maricopa | $1,085 |
| 15 | Catalina Foothills | $1,082 |
| 16 | Tucson | $1,061 |
| 17 | Surprise | $1,058 |
| 18 | Casas Adobes | $1,050 |
| 19 | Oro Valley | $1,020 |
| 20 | Flagstaff | $969 |
| 21 | Yuma | $954 |
| 22 | Prescott | $914 |
| 23 | Bullhead City | $896 |
| 24 | Sierra Vista | $890 |
| 25 | Lake Havasu City | $878 |
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Premium costs are comparative as specific Chandler zip code can decrease or increase premium rates noticeably.
Ending up with the right insurance provider can be rather challenging considering how many companies there are in Chandler. The ranking information below can help you decide which coverage providers you want to consider when comparing rates. These rankings only include companies with a nationwide focus, so companies that focus mainly on Arizona business are not included in the 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 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Get discounts on Chandler insurance rates
Insurers that offer coverage for 4×4 vehicles may also give you rate discounts that could reduce prices by 35% or more if you qualify for them. A few popular companies and some of their more popular discounts include:
- State Farm may have discounts that include good student, driver’s education, passive restraint, safe vehicle, good driver, anti-theft, and Drive Safe & Save.
- Progressive may include discounts for online quote discount, multi-vehicle, good student, online signing, homeowner, and multi-policy.
- Progressive offers premium reductions for good student, multi-vehicle, online quote discount, multi-policy, and homeowner.
- MetLife has savings for good student, accident-free, claim-free, good driver, and defensive driver.
- Farm Bureau offers discounts including 55 and retired, youthful driver, multi-vehicle, driver training, and renewal discount.
- GEICO has discounts for multi-vehicle, military active duty, air bags, driver training, federal employee, and anti-lock brakes.
- SAFECO policyholders can earn discounts including teen safety rewards, bundle discounts, homeowner, anti-lock brakes, safe driver, and anti-theft.
The illustration below visualizes the comparison of insurance prices with and without discounts applied to the policy rates. The premiums are based on a female driver, no claims or driving citations, Arizona state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with vehicle safety, anti-theft, multiple vehicle, passive restraint, marriage, and multiple policy discounts applied. When drivers take advantage of discounts, theaverage yearly reduction on insurance for 4×4 vehicles is 28% or $556.
Full coverage versus liability-only in Chandler
Finding cheaper insurance is important to most drivers, and one good way to find cheaper insurance for 4×4 vehicles is to buy only liability coverage. The information below visualizes the comparison of yearly insurance costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The information is based on a clean driving record, no at-fault accidents, $1,000 deductibles, single status, and no discounts are applied to the premium.
If all age groups are averaged, comprehensive and collision coverage on your policy costs $1,681 per year over and above liability only. That raises the question if buying full coverage is a good investment. There is no set rule for excluding comprehensive and collision coverage on your policy, but there is a general guideline. If the yearly cost for physical damage coverage is more than around 10% of replacement cost minus your deductible, the it may be a good time to stop paying for full coverage.
For example, let’s assume your vehicle’s book value is $11,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company will settle for is $10,000 after the policy deductible has been paid. If it’s costing you more than $1,000 a year for full coverage, then you might want to think about dropping full coverage.
There are some situations where removing full coverage is not a good idea. If you have an outstanding loan on your vehicle, you are required to maintain full coverage to protect the lienholder’s interest. Also, if your emergency fund is not enough to purchase a different vehicle in case of an accident, you should maintain full coverage.
Your low-price policy may be costing you money
Chandler, AZ insurance rates are influenced by many factors that control the price you pay for coverage. Simply having another birthday, marrying your spouse, or getting a few speeding tickets can produce rate changes that can now make some companies cheaper in comparison to the competition.
Not only may your situation change, but insurers modify pricing every year to reflect underwriting profits or losses. An extended period of higher than normal claims may result in additional price hikes, while a lower level of claims may result in lower-priced Chandler car insurance rates.
The bar chart below shows which company has the cheapest car insurance in Chandler, AZ for a 30-year-old female driver with a good driving record, no prior claims, and a good credit rating. Based on her current risk profile, The Hartford has the best car insurance rates in Chandler at $1,094 per year. This is $334 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers also make the list of the top five cheapest Chandler, AZ auto insurance companies.
In the next rate comparison, we’ll give the driver from the first rate comparison a chargeable claim, less-than-perfect credit, and a traffic ticket or two. Since every insurance provider uses their own method for determining rates in each state, comparing quotes most likely will result in a completely different list of the cheapest Chandler car insurance companies as shown below.
GEICO now has the cheapest insurance rate in Chandler with CSAA, Ameriprise Group, Auto-Owners, and Safeco also having competitive pricing. This example proves why it is critical to perform a complete rate comparison to find affordable car insurance rates for 4×4 vehicles. Car insurance prices can be altered by many risk factors and change dramatically, so the best price a year ago may now not even be in the top five.