Cheapest Auto Insurance in Chandler, Arizona (2025)

Chandler is the fourth-largest city in Arizona, with a population of around 281,000.1 On average, Chandler drivers pay $129 per month for auto insurance. Notably, this is lower than the overall national average of $144 per month and the Arizona state average of $127.

Chandler had significantly fewer reports of motor vehicle theft in 2022 than some other Arizona cities, like Phoenix and Glendale, which can partially explain the lower car insurance rates Chandler drivers pay. Your specific premium will ultimately depend on your ZIP code, age, driving record, and the coverage you choose.

Here’s what you need to know to find the best car insurance in Chandler at an affordable price.

3 of the cheapest car insurance companies in Chandler

Many car insurance companies offer quality coverage in Chandler for an affordable price. Comparing quotes from multiple insurers can help you find the best insurance policy for your specific needs.

Here are some of the cheapest car insurance companies in Chandler. The average quotes reflect statewide car insurance costs.

Best insurer for cheap rates: Auto-Owners

Best insurer for low-mileage drivers: Mile Auto

Best insurer for young driver discounts: State Farm

How to get the cheapest car insurance in Chandler

Here are a few tips to help you find cheap car insurance coverage in Chandler:

• Shop around. Car insurance companies assign different rates depending on how they weigh different criteria, such as your age and driving history. It’s a good idea to shop around and compare quotes from multiple companies to help you find the best policy for your particular situation.

• Increase your deductible. Raising your deductible is an easy way to lower your car insurance costs. Generally, the higher your deductible, the lower your premium. Remember that a higher deductible may mean higher out-of-pocket costs if you get into an accident.

• Keep a clean driving record. Maintaining a clean driving record can help you save on insurance costs. This is why practicing safe driving habits is crucial, such as adhering to speed limits and not using your phone while driving.

• Pay in full. Many car insurance companies offer discounts for paying your premium in full versus monthly. If you can afford to pay the full premium up front, it may help lower your costs overall.

Cheapest liability-only car insurance in Chandler: Mile Auto

Liability insurance is a legal requirement for all Arizona drivers. If you cause an accident that results in property damage or bodily injury to others, liability insurance helps cover the bills. Liability insurance typically costs the least because it offers the least amount of coverage.3

Mile Auto offers the cheapest liability-only policies in Chandler, at $61 per month. Here are some of the other cheapest liability-only car insurance coverage quotes in Chandler.

Cheapest full-coverage car insurance in Chandler: Mile Auto

Full-coverage car insurance offers more protection on the road since it typically includes liability insurance, collision coverage, and comprehensive coverage. People who want to minimize out-of-pocket costs in the event of an accident may want to consider full coverage. If you finance or lease a vehicle, the lender will often require full coverage.

With an average rate of $104 per month, Mile Auto has the cheapest full-coverage policy in Chandler. Below, you can find more of the cheapest full-coverage car insurance quotes in Chandler.

Car insurance requirements in Arizona

Arizona follows a traditional tort, or “fault-based,” system when it comes to car accidents. This means if you cause an accident, you’re financially responsible for the other party’s resulting losses. Assuming you have adequate car insurance, your insurer should cover the costs on your behalf, up to your policy limits.

The table below outlines the minimum car insurance requirements under Arizona law:4

Many drivers choose to purchase additional coverage to insure their vehicle in a broader range of situations. Optional coverages to consider include:

Cheapest car insurance for drivers with an incident

Your car insurance may increase if you have incidents on your driving record, such as at-fault accidents, driving under the influence, and speeding. An insurer may view drivers with a history of incidents as higher-risk and adjust rates accordingly.

If you receive a conviction for a moving violation in Arizona, you may earn points on your record. For example, drivers can earn eight points for a DUI and three points for speeding. Earning eight or more points in 12 months can result in mandatory attendance at a traffic school or the suspension of driving privileges. 5

On average, Chandler drivers with a past incident on their record pay $151 per month for car insurance. Compare average quotes from Chandler insurers by driving record below.

Average cost of car insurance by age

Age can significantly affect the cost of car insurance. Generally, car insurance rates decrease for drivers around age 35 but increase again around age 70. One reason senior drivers older than 70 face higher car insurance rates is due to aging-related issues that can affect driving ability, which poses an increased risk to the insurance company.

Teen drivers typically pay the highest car insurance rates out of all age groups because statistics show teens are more likely to get into car accidents.

Here are the average car insurance quotes for drivers of different ages in Chandler.

Chandler car insurance quotes by credit tier

Arizona allows auto insurers to consider credit history when calculating insurance rates. Chandler drivers with excellent or good credit may pay lower rates, while Chandler drivers with poor credit may pay higher rates.6

Here are the average full-coverage insurance quotes for drivers in Chandler by credit tier.