Car Insurance Chandler, You Need To Read This First

Whether youre headed to work school shopping or just playing you need the right Chandler AZ auto insurance from Access. Are you a student or a high-risk driver? Do you need an SR-22 certificate? Are you just looking for the best value in car insurance? No matter who you are or what your needs are our agents will work with you to develop a policy that fits your needs and budget.

Access offers the right car insurance in Chandler Arizona. We dont sell cheap auto insurance we offer quality insurance at an affordable price. We have all the coverage you need from limited liability to comprehensive coverage. Next time you are in Chandler visit our shop and get a free quote. Take the risk of buying the best auto insurance from Access.

Since the early 1900’s Chandler has experienced tremendous growth and ranks among the fastest growing cities in the nation. Several technology companies including Intel and Orbital Sciences have opened satellite bases in Chandler. As the population traffic in the city has increased driving accidents have also increased here. Make sure you have the appropriate insurance to cover the risks of driving in Chandler.

Chandler has the cheapest auto insurance rates in the state. The average price for auto insurance in Chandler is $1195 a year. That rate is about 6,9% points below the average state premium of $1.284 and about 16,1% points below the average national insurance premium of $1.424.

Car insurance Chandler premiums by Company

One of the best ways to save money on car insurance is to compare prices from several companies and choose the one that best suits your needs. GEICO in Chandler offers the most affordable rates for general insurance customers. Check out the cheapest car insurance companies in Chandler below but dont forget to get a personalized car insurance quote that fits your driving profile.

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Car insurance Chandler premiums by Age

Chandler drivers 50 and older enjoy relatively low car insurance paying an average of $.367 per year. Drivers over 60 pay a much higher fee of $1.426 per year. Chandlers driver who pays the highest premiums is a teenager. When Chandler drivers turn 20 premiums drop significantly. Chandlers teenage driver gets $6.400. This is $4.974 higher than the second highest rate in the age group.

Car insurance Chandler Premiums by Gender and Marital Status

Sometimes the drivers marital status and race can affect the amount of car insurance you pay. Married couples usually get less car insurance than individual drivers. Married car insurance in Chandler is $124 less than a single person. Widows are also much less than for hate. Interestingly single drivers in Chandler pay more than widows. Another factor in auto insurance pricing is gender. In Chandler female drivers pay $23 more per year for auto insurance than male drivers.

Car Insurance Chandler Cost Accident History and Quotes

It doesnt matter where you live avoiding accidents and pricing is the best way to keep your car insurance premiums low. Negligence Accidents DWIs Reckless Driving Summons Speeding tickets and more contribute to higher auto insurance rates. Insurance companies reward low-risk drivers with lower premiums.

Chandler drivers convicted of reckless driving face a $684 annual increase in auto insurance premiums compared to the city average. The average speeding ticket is $416 and the average DUI insurance premium is $823 per year.

Car Insurance Chandler Rates Based on Your Credit Rating

One of the byproducts of having a good credit score is the lower cost of car insurance. Drivers who maintain high credit scores typically pay less for car insurance than drivers with less-than-stellar credit histories. Chandler drivers who actually improve their credit scores from very poor (300-579) to exceptional (800-850) get an average 64% reduction in car insurance costs. If you go from very poor credit to fair credit you may be in line for a car insurance rate adjustment. Moving into the Chandler Fair Credit category corresponds to an average insurance savings rate of $1584 per year.

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Best Car Insurance Chandler Company

Average customer satisfaction auto insurance rates and claims ratings help you find the best auto insurance company in Chandler. Our analysis shows the two companies that offer the best car insurance in Chandler:

USAA was not included in this analysis because its policy is only available to military or former employees. However a MoneyGeek score of 95.4 out of 100 shows that the Moon is the second best car for military use.


GEICO received top ratings for Chandlers affordability. The company also received high marks for user satisfaction and claims. GEICO policies average $731 per year and come with optional extras such as mechanical breakdown coverage.

If your vehicle is less than 15 months old you can choose Mechanical Breakdown Insurance (MBI) from GEICO. This insurance covers all systems and components in your vehicle including those not covered by the dealers warranty. GEICO policyholders can also add optional accident exclusions to their car insurance to ensure they dont face higher premiums in the event of a negligent accident. Other insurance options available from GEICO include roadside assistance to cover towing and mechanical damage if your vehicle breaks down. Insurance companies also offer travel or rental car reimbursement to cover the cost of repairing your car at the shop.

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State Farm

State Farm is one of the top auto insurance companies in Chandler with high customer satisfaction ratings. It scores highly for requirements and financial sustainability. On average State Farm car insurance with optional coverage like carpool coverage costs $1.135 per year.

Rideshare insurance is additional coverage that State Farm offers to Chandler drivers who work with rideshare companies like Uber or Lyft. This coverage ensures drivers are covered for medical bills emergency roadside assistance and rental car reimbursement while working on the rideshare app. State Farm also offers optional standard coverage like roadside assistance coverage to cover the cost of services like towing and mechanics in the event of a car breakdown. Drivers can also include car rental reimbursement and reimbursement for travel expenses while the vehicle is in the repair shop.

What Drives Up Chandler Car Insurance Prices?

Where you live in Chandler affects auto insurance rates. Where you live is one of the biggest factors that will affect your car insurance premiums along with your car history and credit score. The plan? Felony theft and uninsured driving are separate under the old code. So if you find yourself in a neighborhood that doesnt agree with others car insurance can be considered a big risk to catch you: your rate may be higher than your friend who lives downstairs. And unfortunately Chandler does not accept the rule. Zip codes from 85248 to 85224 saw premiums increase by 5 percent — thats $55.