Best Auto Insurance Rates in Chandler, Arizona

On average your neighbors pay $70 a month.

Compare Auto Insurance in Chandler

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. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

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

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

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 to find the cheapest rates.

Best Car Insurance Companies in Chandler, AZ

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

Top 10 Vehicles

These are the most common car makes and models owned by Chandler, AZ 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

Minimum Car Insurance Requirements in Chandler, AZ

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.

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.

Driving Conditions

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


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

TRIP reports that 16 percent of the major roads in Arizona are in poor condition. This costs residents $1.5 billion a year in vehicle operating costs and repairs, which is average of $318 per driver.

Traffic Congestion

TomTom ranks the Phoenix metro area 165th for worst traffic congestion in the United States. Motorists here spend an extra 20 min per day or 77 hours per year stuck in traffic.

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 history. If this happens, your insurer may change your status from preferred to non-standard and force you to purchase a car insurance policy for high-risk drivers.

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.

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.

Drunk Driving Accidents and Fatalities

Chandler Police reported 141 alcohol related crashes in 2017. These DUI accidents caused 79 injuries and three fatalities.

Car Accident Statistics

Chandler reported 4,488 car accidents in 2017, resulting in 1,259 injuries.

Traffic Fatalities

Chandler experienced nine fatal car accidents in 2017 resulting in nine fatalities. With Chandler's estimated population at 253,458, this is a relatively low rate of traffic fatalities.

Vehicle Theft Rates

Chandler officials reported 372 motor vehicle thefts. This is a rate of 1.47 per resident. This is well below the US average of 2.37 thefts per 1,000 people.

Car Insurance Discounts

Are you looking for affordable 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.

  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 20%
  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. Drive less. Live close to work and you might qualify for the low mileage discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount


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