Chandler's average full coverage car insurance costs $128 per month. Rates range from $123 to $356, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Chandler, AZ, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Chandler: Key Takeaways
Mercury, Root Insurance Company, Auto-Owners and Travelers offer the most affordable car insurance options in Chandler.
Root Insurance Company is the most affordable choice, offering rates of $39 per month for minimum coverage and $83 per month for full coverage.
On average, car insurance costs $65 per month for minimum coverage and $128 for full coverage.
Car Insurance Quotes in Chandler, AZ
| Young Drivers | $82 | $162 |
| Teens | No Data | $356 |
| Seniors | $65 | $123 |
| Drivers With a Speeding Ticket | $83 | $163 |
| Drivers With a DUI | $108 | $207 |
| Drivers With An Accident | $102 | $197 |
| Bad Credit | $159 | $334 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Chandler vs. State Average
Arizona
State Average Full Coverage Rate
$1,530
Chandler, AZ
City Average Full Coverage Rate
$1,534More:$4 more
This is 0% more expensive.
What Is the Average Car Insurance Rate in Chandler?
In Chandler, full coverage car insurance costs about $1,534 per year, while minimum coverage averages $783. These rates are lower than Arizona's averages of $1,530 and $765, respectively.
| State Average | $765 | $1,530 |
| Chandler Average | $783 | $1,534 |
Cheapest Car Insurance Companies in Chandler
Even with rising premiums in Arizona, you can still find affordable car insurance in Chandler. Mercury offers the cheapest minimum coverage at just $39 per month. For full coverage, Root Insurance Company provides the best rate at $83 monthly.
Cheap Car Insurance in Chandler
Mercury is often the cheapest for minimum coverage, but rates vary. The best way to find affordable car insurance is by getting quotes from several providers. Below is a table with the cheapest rates for different driver profiles.
| Mercury | Minimum Coverage | $39 |
| Root Insurance Company | Full Coverage | $83 |
| Auto-Owners Insurance Co | Teens | $202 |
| Root Insurance Company | Young Adults | $71 |
| Travelers | Seniors | $69 |
| Root Insurance Company | Bad Credit | $89 |
| Root Insurance Company | Drivers With a DUI | $78 |
| Root Insurance Company | Drivers With An Accident | $88 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $79 |
Car Insurance Rates in Chandler by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Chandler.
Cheapest Car Insurance Companies for Minimum Coverage in Chandler
Mercury offers the cheapest minimum coverage auto insurance at $39 per month. Country Financial follows at $44 monthly. The table below breaks down the most affordable options.
| Mercury | $39 | $26 |
| Country Financial | $44 | $22 |
| State Farm | $50 | $15 |
| Progressive | $51 | $14 |
| Auto-Owners Insurance Co | $55 | $11 |
| GEICO | $55 | $10 |
| Travelers | $56 | $10 |
| Root Insurance Company | $58 | $7 |
| Allstate | $61 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Chandler
Root Insurance Company offers the cheapest full coverage car insurance in Chandler at $83 per month. Below is a list of providers and their rates.
| Allstate | $121 | $7 |
| Auto-Owners Insurance Co | $104 | $24 |
| Farmers | $119 | $9 |
| GEICO | $99 | $28 |
| Hartford | $121 | $7 |
| Iowa Farm Bureau | $121 | $7 |
| Mercury | $109 | $19 |
| Progressive | $96 | $32 |
| Root Insurance Company | $83 | $45 |
| State Farm | $104 | $24 |
| Travelers | $98 | $30 |
Car Insurance Companies in Chandler
Root Insurance Company offers the cheapest rate at $846 annually. Auto-Owners is the best cheap provider, with a MoneyGeek score of 87 out of 100. Check the table below for more options.
| Auto-Owners Insurance Co | 87 | $952 |
| Mercury | 83 | $889 |
| State Farm | 82 | $927 |
| Travelers | 77 | $923 |
| Country Financial | 76 | $1,108 |
| GEICO | 76 | $928 |
| Progressive | 76 | $884 |
| Nationwide | 73 | $1,231 |
| Allstate | 72 | $1,094 |
| Farmers | 72 | $1,113 |
| Hartford | 71 | $1,148 |
| CSAA | 57 | $2,043 |
| The General | 40 | $2,173 |
| Iowa Farm Bureau | No Data | $1,119 |
| Root Insurance Company | No Data | $846 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Chandler by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,534 per year for 40-year-olds and $1,474 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $2,789 | $-706 |
| 17 | $2,684 | $-601 |
| 18 | $2,434 | $-351 |
| 19 | $2,080 | $3 |
| 20 | $2,129 | $-46 |
| 21 | $1,754 | $329 |
| 22 | $1,749 | $334 |
| 23 | $1,809 | $274 |
| 24 | $1,708 | $375 |
| 25 | $1,947 | $-301 |
| 40 | $1,534 | $112 |
| 65 | $1,474 | $172 |
Cheapest Car Insurance for Teens in Chandler
Travelers offers the cheapest overall car insurance for teens in Chandler at $132 per month, saving $76 compared to the state average. The table below breaks down some of the most affordable providers in the city for this age group.
| Travelers | $132 | $76 | $215 |
| GEICO | $188 | $20 | $279 |
| Auto-Owners Insurance Co | $195 | $13 | $202 |
| Farmers | $196 | $12 | $583 |
| Nationwide | $203 | $5 | $514 |
| Progressive | $207 | $1 | $499 |
| State Farm | $228 | $-20 | $283 |
| Allstate | $317 | $-109 | $276 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Chandler
Travelers offers the cheapest minimum coverage rate for young drivers in Chandler at $54 per month. Root Insurance Company provides the most affordable full coverage at $83 monthly. The table below highlights the cheapest options for various driver profiles.
| Travelers | Minimum Coverage | $54 |
| Root Insurance Company | Full Coverage | $83 |
| Root Insurance Company | Bad Credit | $90 |
| Root Insurance Company | Drivers With a DUI | $79 |
| Root Insurance Company | Drivers With An Accident | $89 |
| Root Insurance Company | Drivers With a Speeding Ticket | $88 |
Cheapest Car Insurance Companies for Young Drivers in Chandler
Root Insurance Company offers the most affordable auto insurance for young drivers in Chandler at $71 per month. The table below shows other companies with competitive rates.
| Root Insurance Company | $71 | $51 |
| Travelers | $76 | $46 |
| Progressive | $91 | $31 |
| State Farm | $97 | $25 |
| GEICO | $99 | $23 |
| Allstate | $105 | $17 |
| Auto-Owners Insurance Co | $108 | $14 |
| Mercury | $110 | $13 |
| Iowa Farm Bureau | $112 | $10 |
| Farmers | $113 | $9 |
| Country Financial | $119 | $3 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Chandler
Mercury and Auto-Owners offer the most affordable options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Mercury | Minimum Coverage | $42 |
| Travelers | Full Coverage | $86 |
| Travelers | Bad Credit | $94 |
| State Farm | Drivers With a DUI | $81 |
| State Farm | Drivers With An Accident | $89 |
| Auto-Owners Insurance Co | Drivers With a Speeding Ticket | $77 |
Cheapest Car Insurance Companies for Seniors in Chandler
Travelers offers the cheapest monthly premium for seniors at $69 for both minimum and full coverage. State Farm follows closely with a monthly rate of $72. The table below shows the top car insurance providers for seniors in Chandler.
| Travelers | $69 | $25 |
| State Farm | $72 | $22 |
| Progressive | $73 | $21 |
| Country Financial | $74 | $20 |
| Mercury | $75 | $19 |
| Root Insurance Company | $76 | $18 |
| Auto-Owners Insurance Co | $77 | $17 |
| GEICO | $83 | $11 |
| Hartford | $84 | $10 |
| Iowa Farm Bureau | $88 | $7 |
| Farmers | $93 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Chandler
In Chandler, high-risk drivers pay less for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,126 | $2,277 |
| Chandler Average | $1,169 | $2,270 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for a few years. For serious offenses, such as a DUI, insurers take note for longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Chandler
Progressive offers the cheapest minimum coverage for drivers with a DUI at $679 per year. Root Insurance Company provides the most affordable full coverage policy at $1,098 annually. Check out the table below for more low-cost coverage options.
| Root Insurance Company | $65 | $92 |
| Progressive | $57 | $110 |
| State Farm | $57 | $118 |
| Travelers | $65 | $123 |
| Mercury | $64 | $175 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Chandler
State Farm, Travelers and Root Insurance Company offer the cheapest auto insurance after an at-fault accident in Chandler. The table below shows various providers offering affordable coverage.
| Root Insurance Company | $73 | $104 |
| Travelers | $64 | $118 |
| State Farm | $63 | $129 |
| Country Financial | $73 | $147 |
| Progressive | $76 | $151 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Chandler
Auto-Owners is the cheapest car insurance provider for drivers with a speeding ticket in Chandler, offering minimum coverage at $55 and full coverage at $104 per month. The table below shows how much other providers charge drivers with speeding tickets.
| Auto-Owners Insurance Co | $55 | $104 |
| Travelers | $60 | $112 |
| State Farm | $57 | $118 |
| Progressive | $65 | $130 |
| Country Financial | $60 | $153 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Chandler
Mercury offers the most affordable rates for drivers with bad credit at $56 for state minimum coverage, while Root Insurance Company has the cheapest full coverage at $105. See the table below for other affordable options.
| Root Insurance Company | $74 | $105 |
| Travelers | $65 | $115 |
| Progressive | $75 | $157 |
| Mercury | $56 | $164 |
| Country Financial | $74 | $178 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Chandler, AZ
In Arizona, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
If you're in a car accident in Arizona, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Chandler: Bottom Line
Mercury leads with the cheapest minimum coverage at $39, and Root Insurance Company offers affordable full coverage at $83. Diverse plans cater to all — from young drivers to those with poor credit. Ensure your policy includes Arizona's required bodily injury and property damage liability. Compare and save on essential coverage that fits your budget and meets state law.
Chandler Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Chandler.
What is the cheapest car insurance company in Chandler, AZ?
Mercury offers the most affordable car insurance in Chandler, with minimum coverage policies starting at just $39 monthly, saving motorists $26 on average.
What is the best car insurance company in Chandler, AZ?
Auto-Owners is the best car insurance provider in Chandler, with a MoneyGeek score of 87 out of 100. The average annual premium for minimum coverage is $952.
How much does car insurance cost on average in Chandler, AZ?
The average monthly cost of minimum car insurance in Chandler ranges from $65 to $159.
Best Cheap Car Insurance in Chandler: Our Methodology
MoneyGeek analyzed Chandler auto insurance prices using the Arizona Department of Insurance and Quadrant Information Services data.
Chandler Driver Profile
To assess the best and most affordable auto insurance options for Chandler residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Chandler
In assessing the car insurance quotes for Chandler, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Arizona's mandated liability insurance parameters:
The minimum coverage requirements in Arizona are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Arizona providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Chandler
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Chandler for the average driver of various ages who drives a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.