Gilbert, AZ Car Insurance
How much does car insurance cost in Gilbert?
Auto insurance in Gilbert costs roughly $157 per month or $941 for a six-month policy, which is around $67 more than the Arizona state average ($874) and $61 more than the national average ($880). Our research has revealed that Root has the most reasonable prices in Gilbert, with a six-month policy costing only $352.
Gilbert ranks in the top 30 cities for car high insurance rates in Arizona, and 42% of our customers in Gilbert used our service because they were paying too much for auto insurance. Keep reading to discover the factors that determine car insurance pricing or to compare rates from other providers in Gilbert.
| Car Insurance in Gilbert vs. Arizona | Avg. 6 Mo. Premium |
|---|---|
| Arizona Average | $874 |
| Gilbert Average | $941 |
The cheapest car insurance companies in Gilbert
Root Insurance offers the lowest rates in Gilbert with six-month policies at just $352.
Auto-Owners comes in second place with average policies at $530 for six months.
Third place goes to GEICO for cheap rates in Gilbert with policies at $689 for six months or $115 per month.
The Zebra's key takeaways about car insurance in Gilbert:
- The average cost of a car insurance policy in Gilbert is $941 per six-month policy — or $158 per month.
- The cheapest company in Gilbert is Root ($352 every six months).
- Gilbert ranks in the top 30 most expensive cities for car insurance in Arizona.
- 42% of Zebra customers in Gilbert stated they used our product because they were paying too much with their current provider.
Are you paying too much for auto insurance?
Gilbert car insurance rates by company
In Gilbert, Root was found to be the most economical option for full coverage car insurance, according to our research. The monthly cost for this coverage averages $59, which comes out to $352 for a six-month policy. Auto-Owners, with an average monthly rate of $88 or a six-month rate of $530, is the second most affordable option.
To discover the best car insurance providers, use The Zebra's Customer Satisfaction Survey as a resource.
Cheapest car insurance companies in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $352 |
| Auto-Owners | $530 |
| GEICO | $689 |
| USAA | $765 |
| Progressive | $796 |
| State Farm | $813 |
| Nationwide | $920 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
Are you tired of spending hours trying to find cheap car insurance? Our comparison tool can help you find the perfect coverage that fits your budget and doesn't compromise on quality. All you need to do is enter your ZIP code, and you'll instantly see rates from leading providers like State Farm, GEICO, Travelers, and many more.
Average car insurance in Gilbert by rating factor
Calculating your car insurance premiums involves considering several factors, some of which may be out of your control. While most insurers use rating factors, the significance of each one can differ depending on the carrier. For example, one insurer may place more emphasis on credit scores, while another may scrutinize a driver's driving history more closely.
Bear in mind that the optimal insurance provider for you may shift over time, just as your insurance requirements will change as you age. It's a good idea to obtain quotes every now and then to ensure you're still receiving the most favorable rates and the appropriate coverage.
Q: I didn't have an accident — Why is my insurance going up?
A:Â Car insurance costs in Gilbert can be impacted by the end-of-year earnings, which reflect the premiums received versus the claims paid out to the insureds. Insurers in a bustling city like Gilbert must remain competitive while also covering their expenses. Despite never having made a claim, certain insurance providers may charge higher rates due to their earnings and costs.
Auto insurance premiums by age in Gilbert
To determine your insurance premium, a range of factors are considered, and age is one of the most critical components. Teen drivers tend to have a higher rate of accidents than other age groups, making them a riskier investment for insurance companies. Consequently, they have to pay the highest costs when it comes to car insurance. In Gilbert, teenage drivers pay $1,823 more than drivers in their 20s, representing a staggering 151% increase.
This is the most significant increase in cost among any other age group. However, insurance companies are not targeting individuals. They need to offset the cost of paying claims, which makes rates naturally higher for riskier drivers. The good news is that with more driving experience and a safe driving record, prices will eventually even out.
Cheapest car insurance companies for teen drivers in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $946 |
| Auto-Owners | $1,646 |
| GEICO | $1,916 |
| USAA | $2,932 |
| State Farm | $3,053 |
| Nationwide | $3,259 |
| Progressive | $3,953 |
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Root | $453 |
| 30s | Root | $463 |
| 40s | Root | $467 |
| 50s | Root | $465 |
| 60s | Root | $489 |
| 70s | Root | $636 |
Zebra Tip:Â The cheapest companies for Gilbert drivers are Root and Auto-Owners
Our study reveals that the majority of Gilbert drivers fall between the ages of 20 and 40. This age bracket pays an average of $1,074 every six months for their auto insurance. If they choose one of the recommended providers, drivers in this demographic may save up to 48%.
Auto insurance premiums for minimum coverage in Gilbert
The amount of coverage you select is a crucial factor in determining your car insurance premium. According to our data, a quarter of Gilbert's drivers only carry the minimum state-required coverage, which can save you money in the short run but may not be sufficient in the event of a significant accident. On the other hand, adding collision coverage or comprehensive coverage (also called "full coverage") will substantially increase your rates but also provide much more coverage than the bare minimum if you file a claim.
Full coverage usually involves a deductible, which can be a way to save money while still having peace of mind! The greater your deductible, the lower your rates will be. If you need full coverage but want to lower your monthly payments, consider adjusting your deductible.
If you're looking for an additional layer of protection while driving, consider adding roadside assistance to your policy. Although this could impact your premium, The Zebra still suggests having it to provide peace of mind on the road.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
Those who lease or finance are usually required to carry specific coverages. If you own your car outright and are considering dropping collision or comprehensive coverage, we recommend that you first obtain the actual cash value of your car from a reliable source like Kelley Blue Book.
A general guideline is that if your car is worth less than $4,000, you may be able to forgo collision coverage. This can lead to lower insurance premiums, but it also means that you will be responsible for paying for any repairs out of pocket if you are involved in a collision-type accident. Ultimately, the decision of whether to maintain full coverage on a lower-value vehicle is yours to make after considering the pros and cons.
Cheapest car insurance companies for minimum coverage in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Auto-Owners | $188 |
| Root | $199 |
| GEICO | $245 |
| USAA | $261 |
| State Farm | $345 |
| Progressive | $360 |
| Nationwide | $422 |
In Gilbert, "best" coverage is favored by most of our customers, although it may not be the optimal choice for everyone. We acknowledge that this is a cost-effective alternative, but it exposes you to the possibility of damages that surpass your liability thresholds. Arizona's liability limits of 25/50/15 offer protection for harm caused by you, up to $25,000 per individual for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. While these boundaries may suffice for typical car accidents, they might be inadequate for bodily injury claims or collisions involving multiple vehicles.
Learn more about insurance laws in Arizona.
Gilbert car insurance rates by credit score
Your credit score is one of the factors that insurance companies consider when calculating your insurance rates, similar to your age. Although you may not be thrilled about it, there are valid reasons for this consideration. Evidence shows that drivers with lower credit scores are more likely to file claims, engage in risky driving behavior, and have more gaps in their insurance coverage.
Since lower credit scores are linked with higher risk, insurance companies must account for this when determining rates. In Gilbert, for example, drivers with poor credit (300-579) pay 116% more than those with excellent credit (800-850).
Our data indicates that 35% of Gilbert drivers have an "excellent (720+)" credit score, and Root offers the best value for drivers in this range.
Cheapest car insurance companies for drivers with bad credit in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $468 |
| GEICO | $902 |
| Nationwide | $1,245 |
| Progressive | $1,349 |
| USAA | $1,470 |
| Auto-Owners | $1,532 |
| State Farm | $3,355 |
Auto insurance rates with an at-fault accident
At-fault and collision-type accidents are the two most common types of insurance claims. In addition to causing stress and anxiety, these accidents can also result in higher premiums. In Gilbert in 2023, an at-fault accident led to an average monthly increase of $78Â in car insurance rates. After an at-fault accident, the most affordable car insurance provider in Gilbert is Root.
To avoid steep premium hikes, it's important to drive safely, no matter where you are. Accidents can happen unexpectedly, and they may not be your fault. Nevertheless, it's possible to minimize your risk of traffic citations and violations by driving responsibly. Speeding, reckless driving, and DUI charges are all behaviors that can result in significant rate increases.
Cheapest car insurance companies after an at-fault accident in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $489 |
| Auto-Owners | $740 |
| State Farm | $1,034 |
| USAA | $1,122 |
| GEICO | $1,196 |
| Progressive | $1,212 |
| Nationwide | $1,556 |
Gilbert car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Gilbert.
Car insurance rate increases after violations and citations in Gilbert, AZ
Why is car insurance in Gilbert so expensive?
Gilbert is a fast-growing city in Arizona, but it's also known for having some of the highest auto insurance rates in the state. There are several factors that contribute to this, including the city's location in the Gilbert metropolitan area, which has a higher cost of living than many other parts of Arizona. Other factors like age, credit score, and driving record can also impact the cost of auto insurance in Gilbert.
Due to Gilbert's close proximity to major Arizona cities (it is situated less than 30 minutes drive to Phoenix, Scottsdale, Tempe, and Mesa), the city is a prime location for commuters and a popular choice for residency[1]. Population growth at this rate often leads to high cost of living and in turn, increased car insurance rates.Â
With fewer options for getting around, driving personal vehicles becomes a necessary choice. Considering its population density, accessibility to other major Arizona cities and most residents requiring cars, traffic congestion can become thick and offer more opportunities for accidents. This combination often means higher insurance premiums.Â
Zebra Tip: Consider uninsured property damage coverage
In Gilbert, it is concerning that an estimated 25% of drivers do not have insurance, increasing the likelihood of accidents that may not be covered by insurance. To address this problem, uninsured motorist coverage (UMPD) is a recommended option as it provides financial support for damages caused by uninsured or underinsured drivers. Moreover, UMPD is typically more affordable than collision insurance, with a lower deductible and fewer rate hikes after making a claim.
Bundling insurance policies in Gilbert
Car insurance expenses appear to be increasing universally. The good news is that Gilbert drivers can still find methods to save money on their auto insurance. One of the easiest ways to receive a discount is to bundle several policies with one provider. If you have home or renters insurance, it's worthwhile to get in touch with your insurance company and inquire about the possibility of combining your car insurance with it. Check for bundle discounts provided by other companies as well. By merging your premiums, you could save up to 10%. Obtain additional information about bundling home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in Gilbert, AZ
| Company | Avg. 6 Mo. Premium |
|---|---|
| Root | $337 |
| Auto-Owners | $466 |
| GEICO | $655 |
| State Farm | $672 |
| Progressive | $686 |
| USAA | $703 |
| Nationwide | $816 |
Even though there may be some uncontrollable factors that affect your insurance rates in Gilbert, you can still take measures to maintain a positive profile while searching for insurance. Remember that you have choices when it comes to your insurance company! Even if you've been with the same provider since you first obtained auto insurance, it's worthwhile to compare other quotes to find the most cost-effective rate that also meets your coverage requirements. Although switching providers can be difficult, some are more expensive than others, and you always have the option to switch.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.