Chandler Insurance Rates:

Chandler, AZ home insurance is roughly $543 to $735, about $45-$61/month. Our complete analysis indicates shoppers can save upto $255 by comparing different quotes

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Chandler Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $230/2 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $680,000

5 Beds, 5 Baths 4370 sqft Seasonal Residence Constructed In 2000 with Stone Flooring, Composition Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $280/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1730 sqft Rental Property Constructed In 1995 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Smoke Alarm, Copper Water Pipes, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $230/5 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 2060 sqft Rental Property Constructed In 1991 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Fire Extinguisher, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/3 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $395,000

5 Beds, 5 Baths 2781 sqft Rental Property Constructed In 1993 with Carpet over wood flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Chandler, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85249 $320,200 $670
85226 $244,400 $650
85224 $188,800 $630
85225 $170,600 $620

Chandler Rates & Quotes Analysis:

Chandler Area Estimated House Insurance
W la Vieve Ln, S Desert Flower Dr, S Rochester Dr, E Nunnely Rd, E Cll de Arcos, S Illinois Pl, E Toledo Ct, W Brooks Ct, Mack Ave, S Osborn Ln$619
S 184th Pl, W Highland Dr, 182nd Pl, E Red Oak Ln, W Carla Vista Ct, S Gardner Dr, Bautista Rd, S Rock St, S Joslyn Ln, S Wade Dr$650
S Pecos Ranch Dr, S Marion Way, S Maple Dr, S Via Arry, S Summit Ct, E Poco Calle, E Estrella Rd, N Blackstone Dr, N Lisbon Ave, 176th Pl$675
S Gillette Ct, S Verbena Ave, S Robins Way, W Gail Ct, S Fairview Ln, E Weatherby Way, W Marlin Pl, N Harmon Ct, Janelle Way, N Sunland Dr$666
E Waterman St, S Commonwealth Cir, Chickadee Rd, W Jupiter Way, E Portola Valley Dr, S Tower Ave, E Pecan Dr, E Willis St, S 157th Ave, S Briarcrest Dr$617
E Sunrise Way, S 119th St, S Lawndale Pl, S 183rd Pl, S Pheasant Dr, W Bluejay Dr, N Temple St, S Teakwood Dr, S 196th St, Mulberry$653
E Yellowstone Pl, E Rockwell Dr, W Myrna Ln, S 185th St, E Starflower Dr, N Albert Dr, N Jesse St, E Kingbird Ct, E Superstition Ct, E Hawk Pl$633
S Pearl Pl, E Regal Ct, S Rocky Brook Dr, S Robins Way, E el Dorado Ln, E Sports Ct, E Cherrywood Dr, W Browning Way, S Voyager Dr, S 220th St$686
Valencia St, S Sailfish Dr, Donato Dr, W Highland St, S 187th Pl, S Johnson Way, S Ashley Ct, N Concord Ave, S Cedar Waxwing Dr, W Mead Pl$652
S Claiborne Ave, S Sunland Dr, W Warner Ranch Dr, E Isaiah Ct, S Edgewater, S Trophy Ct, S Four Peaks Blvd, S Ash Dr, E Rainbow Dr, S Red Rock St$643

Insurance rates are influenced by a number of factors including:

  • Year Built: 47,227 Homes (31% of total homes ) built between 1990 to 1999 in Chandler are paying home insurance between $922-$931. Places close to Chandler, AZ such as Paradise Valley, Fountain Hills, Scottsdale are more expensive by $320, $47, $65 respectively while Goodyear Village and Stotonic Village are cheaper by $55 and $54 respectively for similar homes.
  • Bedrooms: 31,480 2 bedrooms homes (20% of total homes ) in Chandler are paying about $346 and varies from Paradise Valley (+$119), Fountain Hills (+$17), Scottsdale (+$24), Goodyear Village (-$21) and Stotonic Village (-$20).
  • Auto Insurance Bundling: 23,256 Households (24% of all households) in Chandler have 3 or more vehicles available and when it is bundled with home insurance you can save $159 in contrast with Gilbert ($159), Queen Creek ($159), Sun Lakes ($159).
  • Senior Discounts: 34,635 seniors (more than 55 years) occupied housing units (35% of total) in Chandler get discounts between $95 to $98 and differs from Gilbert ($95), Goodyear Village ($90), Lower Santan Village ($87).
  • New Homes discounts: New homes such as the 115,458 homes built between 2000 to 2009 in Chandler can save $127 in contrast with Gilbert ($127), Queen Creek ($127), Sun Lakes ($127).

Chandler Homeowners insurance Facts

  • Chandler, AZ has 96,563 owner occupied houses which is 70.8% of all units whereas Gilbert, Queen Creek and Sun Lakes have 72.02%, 82.39% and 91.41% respectively.
  • Chandler, AZ homeowners yearly insurance price at $639 is 0.26% of the typical house value of $244,900 which is in contrast with 0.27% in Gilbert, 0.27% at Queen Creek & 0.27% in Sun Lakes.
  • Homeowners in Chandler, AZ pay 1.5% of their income ($40,000 to $44,999) in insurance whereas homeowners in Gilbert, Queen Creek and Sun Lakes pay 1.5%, 1.5% and 1.5% respectively.
  • Chandler, AZ’s insurance is 3.0% of monthly housing costs of $1,792/month, for owners with a mortgage compared to 2.94% in Gilbert, 2.53% at Queen Creek & 4.09% in Sun Lakes. But, for households without a mortgage, insurance is 12.7% of costs ($418 in Chandler, AZ) in contrast with 11.45% in Gilbert, 11.66% at Queen Creek & 13.91% in Sun Lakes.

Chandler, AZ Home Values & Insurance rates

For example, insurance for 18,542 Homes (22.0% of total homes ) valued between $300,000 to $399,999 in Chandler, AZ is about $907. Rates in nearby areas in such as Gold Canyon, Paradise Valley, Fountain Hills are cheaper by $45, $615, $256 respectively while Gilbert and Queen Creek are costlier by $34 and $18 respectively for similar homes.

Chandler, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,397 2.0% $63
$80,000 to $89,999 876 1.0% $217
$90,000 to $99,999 827 1.0% $242
$100,000 to $124,999 4,624 5.0% $281
$125,000 to $149,999 5,875 7.0% $357
$150,000 to $174,999 10,133 12.0% $421
$175,000 to $199,999 7,807 9.0% $485
$200,000 to $249,999 16,370 19.0% $587
$250,000 to $299,999 14,065 17.0% $715
$300,000 to $399,999 18,542 22.0% $907

Renters Insurance in Chandler

  • Average Renters Insurance in Chandler :  $160($13/month)

  • Median Gross Rent in Chandler :  $1,160

  • Chandler Renters Insurance to Median Rent Ratio:  1.12%

  • Average household size of renter-occupied unit :  2.72

Chandler Renters Insurance as a Percentage of Rent

Chandler Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 542 1.0% $1240
$500 to $749 3,030 7.0% $1915
$750 to $999 9,303 24.0% $2665
$1,000 to $1,499 17,495 45.0% $3790
$1,500 or more 7,781 20.0% $5440

Rent Affordability in Chandler:

Approximately 35.0% (14,259) of households are spending more than 35% of their income on gross rent in Chandler

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 5,605 14.0%
15.0 to 19.9 percent 6,304 15.0%
20.0 to 24.9 percent 4,984 12.0%
25.0 to 29.9 percent 4,518 11.0%
30.0 to 34.9 percent 4,236 10.0%
35.0 percent or more 14,259 35.0%

Protective device discount in Chandler Up to :  $24

Claims-free discount in Chandler Up to :  $32

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