Chandler Car Insurance

How much does car insurance cost in Chandler, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Chandler?

Chandler, Arizona, just a few hours from Phoenix and Tucson, offers plenty of unique things to do and places to explore. Bursting with history, there are numerous properties that are included in the National Register of Historic Places to Visit.

One of America’s most historic places is the McCullough-Price House, a cultural resource worthy of preservation. It’s a pueblo revival home originally built in 1938 and houses the Chandler Museum. The door is made from granite, adorned with replicas of petroglyphs and stone neoclassical pediment engraving, as well as other Art Deco influences. The original house used to be surrounded by 350 acres of alfalfa and cotton fields, but is now conveniently right next to the fashion center for more people to admire.

Lake Palestine is an 18-mile-long freshwater reservoir created for recreational and municipal purposes. The lake is fed by waters from the Neches River and Kickapoo Creek and portions of Anderson, Cherokee, Henderson, and Smith Counties are included in the use of the lake. With more than 135 miles of shoreline, you can participate in every known water sport available like fishing, boating, water skiing, canoeing and more. The beautiful waterfront also offers lakeside living for Texans with lodging that includes available RV parks, campgrounds, resorts, cabins, motels and B&Bs.

The architecture in downtown Chandler dates back to the early 1900s, and buildings are adorned with vintage-style lanterns and trellis-covered walkways. The area is packed with a dense array of eateries offering the best local wine and cocktails. You’ll also find boutiques and shops here, as well entertainment at the Chandler Center for the Arts.

You’ll find about 4,300 individual parking spaces in downtown Chandler, where you can park and enjoy everything this city has to offer. Having a car can get expensive but SmartFinancial can help you find the cheapest insurance rates in your area!

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Chandler typically pay around $146.87 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
Arizona $146.72
Chandler, Arizona $146.87

Chandler, AZ Best Car Insurance Companies

car insurance in Chandler

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Ameriprise Group generally has the most affordable car insurance in Chandler coming in around $90.67 per month. Other companies to consider if you live in Chandler is Clearcover with an average cost of $110.90 per month and Safeco which typically runs around $120.60 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Chandler.

RankCompanyAverage Monthly RateComparison State Average
1 Ameriprise Group $90.67-38.20%
2 Clearcover $110.90-24.41%
3 Safeco $120.60-17.80%
4 Mercury Insurance $122.22-16.70%
5 USAA $122.53-16.48%
6 American Family $123.42-15.88%
7 Mercury $128.05-12.72%
8 ACCC Insurance Company $128.95-12.11%
9 Travelers $142.84-2.64%
10 Farm Bureau Mutual (IA Group) $144.20-1.72%

How Much is Car Insurance in Chandler, AZ?

how much is auto insurance in Chandler

Rates can vary from city to city. The residents of Apache Junction typically pay $114.31 per month while people who live in Casa Grande will pay $134.65 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Apache Junction $114.31
Casa Grande $134.65
Chandler $146.87
Flagstaff $127.45
Gilbert $172.13
Glendale $177.70
Mesa $149.21
Peoria $156.98
Phoenix $179.38
Prescott $99.05
Scottsdale $141.61
Surprise $148.84
Tempe $159.32
Tucson $129.71
Yuma $109.34

Cheap Car Insurance in Chandler by Zip Codes

find cheap auto insurance in Chandler

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Chandler, AZ ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Chandler

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $324.00 per month in Chandler. Compare that to drivers in their 30’s who typically pay around $126.89 per month drivers in their 40s at $128.01 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Chandler

If you are teen in Chandler you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $102.31 per month. This is likely the most affordable option in Chandler. You might also want to consider Liberty Mutual and Farm Bureau Mutual (IA Group) who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Liberty Mutual$124.67
Farm Bureau Mutual (IA Group)$287.10

Cheapest Insurance for 20 Year-olds in Chandler

20 year-olds in Chandler might want to consider Clearcover who, on average, offers car insurance rates around $127.85 per month. USAA , ACCC Insurance Company , Mercury Insurance and Farm Bureau Mutual (IA Group) are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
ACCC Insurance Company$169.22
Mercury Insurance$179.87
Farm Bureau Mutual (IA Group)$184.98

Cheapest Insurance for 30 Year-olds in Chandler

If you are in your 30s in Chandler our research has found that Clearcover typically has the most affordable coverage coming in around $75.27 per month, followed by Mercury at $108.84 and USAA at $109.35.

CompanyAverage Monthly Rate
American Family$112.44
Hallmark Insurance Group$113.50

Cheapest Insurance for 40 Year-olds in Chandler

On average, Safeco offers car insurance for 40 year-olds in Chandler for around $97.83 per month. If you are looking for affordable coverage, you may also want to consider USAA or Ameriprise Group. The full list of top companies is below.

CompanyAverage Monthly Rate
Ameriprise Group$103.50

Cheapest Insurance for 50 Year-olds in Chandler

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Chandler we found that Ameriprise Group generally offers the most affordable coverage at $77.83 per month.

CompanyAverage Monthly Rate
Ameriprise Group$77.83
Mercury Insurance$99.56
American Family$107.75
ACCC Insurance Company$114.72

Cheapest Insurance for 60 Year-olds in Chandler

If you live in Chandler and you’re in your 60s, our data indicates that Mercury Insurance usually has the best rates at $72.48 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Mercury Insurance$72.48

Driver's Coverage Auto Insurance Rates in Chandler, AZ

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Chandler, the average monthly rate for a driver who is currently insured is $143.38 while drivers who are not currently covered will pay around $155.80.

CoverageAverage Monthly Rate
Not Currently Insured $155.80
Currently Insured $143.38

Compare Recent Car Insurance Quotes in Chandler

auto insurance quotes in Chandler city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Chandler a driver of a 2015 Ford F150 can expect to pay around $191.36 per month while someone that owns a 2018 Hyundai Accent may pay around $415.56 per month. Check out the list of recent quotes in Chandler below.

VehicleAverage Monthly Rate
2015 Ford F150$191.36
2018 Hyundai Accent$415.56
2021 Kia Forte$595.90
2013 Gmc Terrain$281.46
2009 Toyota Corolla Matrix$125.22

FAQ's for Drivers in Chandler, AZ

driver’s frequently asked question in Chandler

What Is the Minimum Liability Coverage Requirement in Chandler, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
  • $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
  • $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Chandler, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

  • .08%+ at 21 years old or older
  • .04%+ for commercial vehicle drivers
  • Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

Check Out Other Rates in Chandler, AZ Nearby Cities:

Apache Junction, AZ

Goodyear, AZ

Tempe, AZ

Avondale, AZ

Mesa, AZ

Maricopa, AZ

Casa Grande, AZ

Peoria, AZ

Queen Creek, AZ

Gilbert, AZ

Phoenix, AZ


Glendale, AZ

Scottsdale, AZ



Commute Time in Chandler, AZ

24 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Chandler, AZ


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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