Gilbert Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Arizona has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Gilbert typically pay around $140.56 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Gilbert, AZ Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Clearcover generally has the most affordable car insurance in Gilbert coming in around $91.07 per month. Other companies to consider if you live in Gilbert is Ameriprise Group with an average cost of $107.32 per month and SAFECO which typically runs around $116.55 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Gilbert.

How Much is Car Insurance in Gilbert, AZ?

Rates can vary from city to city. The residents of Apache Junction typically pay $102.60 per month while people who live in Casa Grande will pay $112.69 per month on average. See what people pay for car insurance in other cities in Arizona.

Cheap Car Insurance in Gilbert by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Arizona. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Gilbert

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $323.54 per month in Gilbert. Compare that to drivers in their 30’s who typically pay around $117.66 per month drivers in their 40s at $120.46 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Gilbert

If you are teen in Gilbert you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, SAFECO typically charges around $254.83 per month. This is likely the most affordable option in Gilbert. You might also want to consider ACCC Insurance Company and CSAA who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Gilbert

20 year-olds in Gilbert might want to consider Clearcover who, on average, offers car insurance rates around $114.09 per month. Ameriprise Group , SAFECO , USAA and American Family are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Gilbert

If you are in your 30s in Gilbert our research has found that Clearcover typically has the most affordable coverage coming in around $76.55 per month, followed by Ameriprise Group at $85.07 and Mercury Insurance at $89.97.

Cheapest Insurance for 40 Year-olds in Gilbert

On average, Ameriprise Group offers car insurance for 40 year-olds in Gilbert for around $86.80 per month. If you are looking for affordable coverage, you may also want to consider Clearcover or USAA. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Gilbert

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Gilbert we found that Clearcover generally offers the most affordable coverage at $72.16 per month.

Cheapest Insurance for 60 Year-olds in Gilbert

If you live in Gilbert and you’re in your 60s, our data indicates that Ameriprise Group usually has the best rates at $85.62 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Gilbert, AZ

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Gilbert, the average monthly rate for a driver who is currently insured is $129.71 while drivers who are not currently covered will pay around $159.50.

Compare Recent Car Insurance Quotes in Gilbert

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Gilbert a driver of a 2012 Toyota Sienna can expect to pay around $210.40 per month while someone that owns a 2014 Chevrolet Camaro may pay around $340.07 per month. Check out the list of recent quotes in Gilbert below.

FAQ's for Drivers in Gilbert, AZ

What Is the Minimum Liability Coverage Requirement in Gilbert, AZ?

Every state requires drivers to have a minimum amount of liability coverage. Arizona drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

• $15,000; Bodily injury coverage per person; Coverage for serious or permanent injury or death to a single person
• $30,000; Bodily injury coverage for two or more people; Coverage for serious or permanent injury or death to two or more people in a single accident
• $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Arizona mandates that all motor vehicles operated on roadways be covered by liability insurance through a company authorized to do business in the state. This requirement also pertains to motorcycles, golf carts, and mopeds. Minimum insurance levels in Arizona are $15,000 of bodily injury for one person and $30,000 for two or more people in an accident. The state also requires $10,000 of property damage liability.

What Is the Blood Alcohol Concentration (BAC) limit in Gilbert, AZ?

It is against the law for anyone to operate a motor vehicle in Arizona with the following BAC percentages:

• .08%+ at 21 years old or older
• .04%+ for commercial vehicle drivers
• Any at under 21 years old

Arizona is a “no-tolerance” state regarding underage drinking; any positive reading, no matter how low the BAC percentage, is grounds for a DUI charge.

The Arizona Motor Vehicle Division classified DUIs by BAC, with a standard DUI requiring a BAC of 0.08% and an extreme DUI requiring a BAC of 0.15%.

Does Arizona allow the use of digital insurance cards?

Yes! Arizona motorists can use digital insurance cards as proof of appropriate coverage when pulled over or for any reason. Most carriers offer this option these days but check with yours to confirm.

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