Cheap Car Insurance in Chandler, AZ

Chandler, Arizona, a thriving metropolis of over 250,000 people, has a growing tech-driven manufacturing industry. It is also a center for Western culture, home to the Ostrich Festival and the yearly tradition of lighting a tree made of tumbleweeds. Whether you’re visiting the Arizona Railway Museum or the Chandler Center for the Arts, Chandler is a city full of history and fun.

When driving in Chandler, it’s paramount that you have active car insurance. Without active car insurance in Arizona, you’re subject to hundreds of dollars of fines, suspension of license and registration, and reinstatement costs down the road. Understanding the ins and outs of car insurance in Chandler is crucial to avoid unnecessary penalties.

While Arizona’s average full coverage cost is $151 a month, a little less than the national average of $158, Chandler, in particular, is a little more affordable, at an average of $143 per month.

Chandler’s state minimum coverage is slightly higher than the Arizona average, $47 a month compared to the wider state’s $43 a month. The national average, $42 per month, is still in a similar ballpark.

What Does Full vs Minimum Mean?

Full and state-minimum coverages refer to a few different limits that can be adjusted when you purchase a customized policy for your car insurance.

In Arizona, three coverage limits are agreed upon for state minimum insurance: $25,000 for one person who sustains bodily injury or death in an accident, $50,000 for two or more people sustaining damages, and $15,000 for damage to other people’s property.

On the other hand, full coverage is a combination of liability, collision, and comprehensive insurance. . In addition to liability coverage, these policies also cover collision, paying for damage to your vehicle that results from a collision, and comprehensive, which would be for damage to your vehicle due to something other than a collision, like tree damage, flood damage, or theft.

How Many Fatal Accidents Happen in Chandler?

The 2023 crash data from the Arizona Department of Transportation showed 4,340 crashes in Chandler and 18 fatal crashes.

How Are the Road Infrastructure and Bridges in Chandler?

Chandler roads experience wear and tear each year. However, through its Pavement Maintenance Program, the city periodically releases a map showing which streets will receive varying levels of pavement updating and improvement, including ongoing ad-hoc pothole repair.

Recent bridges and updates in the area include the I-10 bridge over the Gila River and the ongoing improvements to Loop 202 (Santan Freeway) between Chandler and nearby Gilbert.

In Chandler, your minimum car insurance coverage to be legally in compliance is 25/50/15, divided out this way:

If you are found to be driving without proper insurance levels in Chandler, you’ll experience escalating consequences depending on how many times you’ve experienced the offense.

Your car insurance rates in Chandler will likely differ slightly from the abovementioned averages. That’s because car insurance companies consider various factors when creating your customized policy and quote for premiums.

In addition to factors we’ve explored, like which state you’re in and your age, car insurance companies also consider:

If you’re driving your car and hit a fence or other personal property, causing damage, the first thing to do, if no one was injured, is to call the police and have them take a report. In this report, your insurance information will be shared with the property owner so they can file a claim with your insurance.

Your car insurance protects you from this unexpected expense and pays out up to your policy limit for eligible damages.

Be aware that your car insurance premiums may be recalculated and will be higher after a property damage claim. However, without car insurance, you’d be out far more money due to needing to cover those costs out of pocket.

Arizona drivers can streamline their car insurance premiums with discounts for a variety of factors, most of which you’d be doing anyway! Consider these options and ask about them if you aren’t already receiving them.

As you move through your driving life, check in here and there for more discounts – new technology can become available, and when you rack up years of a clean driving record, you can qualify for additional discounts.

Your car insurance costs aren’t set in stone. Talk to a local agent about reducing coverage limits or increasing your deductible to create a streamlined policy that offers you the coverages that matter without paying for more than you want.