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How much is car insurance in Chandler?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Chandler as it does in the rest of Arizona.
Compared to the national average cost of auto coverage, Chandler has lower rates. The average monthly payment for the United States as a whole is about $17 more expensive than in Chandler.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the bill you'll see each month.
Don't sweat it however, we've broken down average rates for Chandler residents so that you can get a more accurate idea of what you might pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay one and a half times as much as someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates begin to climb back up once you hit retirement age.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Chandler, male drivers pay about $4 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $64 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay much less than those with multiple infractions. In Chandler, a driving record with a single accident will usually get you a rate around $76 a month. In addition, drivers with one ticket can expect to pay around $82 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$62|
|15 Years or Older||$64|
As you can see in the first table above, the cheapest vehicles to insure in Chandler are for the most part SUVs.
The policies for car owners average around $64, while SUV owners typically see rates of around $58 to insure each month.
Meanwhile, truck and van drivers typically see a monthly premium of about $63.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Overall, newer vehicles are going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Chandler, however, are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Single drivers in Chandler, for example, pay around $19 a month more than those who are married.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$79|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Chandler, expect to pay around $6 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Chandler, AZ
Recent trends in car insurance for Chandler drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending choosing when and where to shop.
Insurance rates in Chandler have been mixed recently, although they did rise from $64 in 2020 to $85 in 2021.
How does Chandler compare to neighboring areas?
Why are car insurance rates in Chandler different from other areas?
When considering how much to charge for coverage, car insurance companies will review many factors. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Access to off-street parking
- Amount of drivers
- Regional crime rates
- Community laws
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Chandler?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Chandler in no time.
Chandler Insurance FAQs
What factors affect car insurance quotes in Chandler?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Chandler different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Chandler?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Chandler?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Chandler or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?