Best Auto Insurance Rates in Chandler, Arizona

On average your neighbors pay $70 a month.

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Hotel San Marcos was built in Chandler, Arizona in 1912. There were plans to build a second resort, in 1930, called San Marcos in the Desert but construction never started because of the Great Depression. Don’t let your insurance rates depress your wallet, get a quote and save money.

Average Chandler Car Insurance Rates

How much is car insurance in Chandler, AZ? Average car insurance rates in Chandler are slightly lower than the national average. On average, auto insurance in Arizona costs $837.24 a year. The national average annual price is $866.31.

Prices may vary depending on your driving history and the total number of insurance claims filed in your zip code.

Arizona Average Annual Car Insurance Rates
Coverage Rates
Liability $507.18
Collision $269.07
Comprehensive $185.63
Total Cost Per Year $837.24
Price Per Month $69.77

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Chandler, Arizona and save up to 40% on your premium.

Last year, 5,578 people used QuoteWizard to compare car insurance quotes in Chandler, AZ from different companies and find the cheapest rates.

Top 10 Vehicles in Chandler

These are the most common car makes and models owned by Chandler drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Toyota Prius
  4. Hyundai Sonata GLS
  5. Ford Mustang
  6. Toyota Camry LE/XLE/SE
  7. Honda Civic EX
  8. Honda CR-V EX
  9. Chrysler PT Cruiser
  10. Chevrolet C1500 Silverado
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Chandler

This is our list of the most common car insurance companies reported by QuoteWizard users living in Chandler, AZ last year.

Chandler Drivers

Chandler, Arizona is ranked 25th out of 200 cities when it comes to safe driving, according to a recent report published by Allstate Insurance. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.5 years, a bit less often than the national average.

Chandler drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Weather, driving, and road conditions can have affect your insurance rates.

Weather

Chandler weather is hot and arid. Summers are very long and hot with temperatures exceeding 100 degrees. Winters are short and mild, only lasting from December to March and with temperatures rarely dropping below freezing.  

Road Conditions

According to a recent study by TRIP, 16% of the major roads in Arizona are in poor condition, costing residents $1.5 billion a year in vehicle operating costs and repairs, which is $318 per motorist on average.

In 2015, it was reported that filling major potholes in the Phoenix metropolitan area would cost a total of seven billion dollars.

Traffic Congestion

According to TomTom's annual traffic index report, the Phoenix metropolitan area is ranks 46th for worst traffic congestion in the United States, with motorists spending an extra 20 min per day in traffic and 77 hours per year.

Construction on South Mountain Freeway an extension of Loop 202 connecting to I-10 should clear up some major congestion problems for motorists traveling between Phoenix, Chandler and Gilbert.

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

The City of Chandler Municipal Court website provides users with important traffic court information.

DUI Arrests

Chandler Police Department joined the East Valley DUI task force, and stopped 1,218 drivers and made 125 arrests for suspicion of driving under the influence in 2012.

The state of Arizona is known for having the strictest penalties for driving under the influence, in the nation. Taking a cab is a lot cheaper than a DUI.

Car Accident Statistics

Chandler reported 4,612 car accidents in 2016, resulting in 1,330 injuries. This was a big increase from the 4,170 crashes reported in 2015.

Traffic Fatalities

Chandler experienced 15 fatal car accidents in 2016. This was a small improvement from the 12 fatalaties reported in 2015.

With Chandler's estimated population at 247,477, this is a relatively low rate of traffic fatalities.

Drunk Driving Accidents and Fatalities

Chandler reported 154 alcohol related crashes in 2016. These accidents caused 94 injuries and five fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Chandler DUI insurance.

Vehicle Theft Rates

Chandler police reported 256 motor vehicle thefts. This is a rate of 0.98 per resident. This is well below the US average of 2.20 thefts per 1,000 people.

Legal Minimum Insurance Requirements

Chandler, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurance carrier will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Chandler, AZ depending on your insurer. Get a fast, free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your policies together is one of the best discounts and can save you up to 15%
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  4. Keep your driving record clean with no tickets or accidents
  5. Remove full comprehensive coverage from your policy
  6. Take a defensive driving course from an accredited driving school
  7. Live in a safe zip code with low crime and good drivers that file fewer insurance claims
  8. Drive less. Live close to work and you might qualify for the low mileage discount
  9. Maintain at least a B grade point average in school to qualify for the good student discount
  10. Shop around and compare affordable Chandler auto insurance quotes and discover every discount you qualify for

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