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Gilbert Car Insurance

How much does car insurance cost in Gilbert, AZ? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Gilbert?

Gilbert is a sprawling, family-friendly community that sits on the outskirts of Phoenix, Arizona. The population of this young, affluent town has exploded in the Grand Canyon State during the past two decades. It has become one of Arizona’s best places to live in the state because of its trendy restaurants, vibrant cultural scene, and proximity to scenic natural habitats. Money Magazine named the town to its Best Places to Live list for 2020-2021.

The town has blossomed into a sprawling metropolis, but it started as a farming community. Residents named the town after landowner William “Bobby” Gilbert. In 1902, He made a right-of-way property donation to help the Arizona Eastern Railway erect a siding between Phoenix and Florence. A small city quickly blossomed around the rail line and became known as Gilbert. It was officially incorporated on July 6, 1920.

For many years, Arizonans viewed Gilbert as a rural, agricultural region. It was even dubbed the “Hay Shipping Capital of the World” until the late 1920s. Half a decade later, Gilbert’s visionary leaders charted a new course.

During the 1970s, the Town Council annexed a 53-square-mile strip of land to prepare for this increased population. They believed Gilbert’s population would increase like Chandler, Tempe, Mesa, and other neighboring towns. Their prescient purchase positioned the city to grow past the 1980s.

Gilbert hired planners to revitalize its Heritage District, located in the heart of downtown. They repurposed the century’s old buildings and transformed them into updated entertainment venues. The thriving, three-block area is also home to dozens of chic restaurants, shops, and boutiques. You can enjoy a delicious meal at popular eateries like Postino Eats, Joe’s Real BBQ, or Liberty Market.

During the past two decades, the city’s growth has exploded. According to the most recent data available from the U.S. Census Data, Gilbert’s population has expanded to more than 254,114 residents. It is a 21.9 percent increase from 2010. The town has more drivers and congested roads than ever before.

To ease traffic, the Arizona Department of Transportation recently started building a new traffic interchange at Lindsay Road and the Loop 202 Santan Freeway in Gilbert. Residents can use the Valley Metro’s Bus Route 136 to travel through to the city’s Civic Center, Heritage District, and Crossroads Towne Center.

It’s better, however, to have a car to travel to natural areas like the Riparian Preserve at Water Ranch. The wildlife park is home to artificial lakes that provide a habitat for more than 200 migrating bird species. You can ride to Gilbert’s Saturday morning Farmers Market that offers produce and handcrafted products from local farmers.

Are you in the market for a new vehicle soon? You’ll need an affordable insurance policy with fantastic coverage to protect yourself and your assets on Gilbert’s roads. In this article, you’ll learn about the minimum state requirements for car insurance in Gilbert, Arizona before you compare quotes.

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 $111.68 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Arizona $99.72
Gilbert, Arizona $111.68

Gilbert, AZ Best Car Insurance Companies

car insurance in Gilbert

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 $75.98 per month. Other companies to consider if you live in Gilbert is USAA with an average cost of $100.29 per month and Farm Bureau Mutual (IA Group) which typically runs around $104.77 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Gilbert.

RankCompanyAverage Monthly RateComparison State Average
1 Clearcover $75.98-23.81%
2 USAA $100.290.57%
3 Farm Bureau Mutual (IA Group) $104.775.06%
4 SAFECO $106.006.29%
5 Ameriprise Group $107.918.21%
6 CSAA $117.7718.09%
7 Mercury Insurance $118.7519.08%
8 ACCC Insurance Company $122.9623.30%
9 State Farm $128.8229.18%
10 Travelers $133.5033.87%

How Much is Car Insurance in Gilbert, AZ?

how much is auto insurance in Gilbert

Rates can vary from city to city. The residents of Gilbert typically pay $109.87 per month while people who live in Glendale will pay $115.18 per month on average. See what people pay for car insurance in other cities in Arizona.

Arizona CitiesMonthly Average Rate
Gilbert $109.87
Glendale $115.18
Mesa $100.31
Phoenix $110.56
Scottsdale $95.80
Tucson $88.34

Cheap Car Insurance in Gilbert by Zip Codes

find cheap auto insurance in Gilbert

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.

Gilbert, AZ ZIP CodeAverage Monthly Rate
85233$110.13
85234$110.50
85295$109.60
85296$89.38
85297$135.44
85298$108.95
85299$68.22

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 $239.71 per month in Gilbert. Compare that to drivers in their 30’s who typically pay around $89.39 per month drivers in their 40s at $76.26 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.

Age GroupAverage Monthly Rate
16-19$239.71
20s$136.07
30s$89.39
40s$76.26
50s$72.87
60s$75.83
70+$78.15

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, CSAA typically charges around $225.00 per month. This is likely the most affordable option in Gilbert. You might also want to consider Farm Bureau Mutual (IA Group) and SAFECO who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
CSAA$225.00
Farm Bureau Mutual (IA Group)$236.92
SAFECO$254.83
ACCC Insurance Company$311.42
Country$315.50

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 $101.03 per month. Kemper Premium , Dairyland Scored , USAA and Farm Bureau Mutual (IA Group) are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Clearcover$101.03
Kemper Premium$113.17
Dairyland Scored$122.14
USAA$129.99
Farm Bureau Mutual (IA Group)$132.21

Cheapest Insurance for 30 Year-olds in Gilbert

If you are in your 30s in Gilbert our research has found that SAFECO typically has the most affordable coverage coming in around $64.67 per month, followed by Clearcover at $76.65 and Ameriprise Group at $85.07.

CompanyAverage Monthly Rate
SAFECO$64.67
Clearcover$76.65
Ameriprise Group$85.07
USAA$88.87
Farm Bureau Mutual (IA Group)$90.96

Cheapest Insurance for 40 Year-olds in Gilbert

On average, Clearcover offers car insurance for 40 year-olds in Gilbert for around $78.87 per month. If you are looking for affordable coverage, you may also want to consider USAA or Ameriprise Group. The full list of top companies is below.

CompanyAverage Monthly Rate
Clearcover$78.87
USAA$79.16
Ameriprise Group$86.80
Farm Bureau Mutual (IA Group)$100.17
SAFECO$101.96

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 $63.91 per month.

CompanyAverage Monthly Rate
Clearcover$63.91
USAA$67.35
Ameriprise Group$75.33
Farm Bureau Mutual (IA Group)$81.37
ACCC Insurance Company$91.10

Cheapest Insurance for 60 Year-olds in Gilbert

If you live in Gilbert and you’re in your 60s, our data indicates that SAFECO usually has the best rates at $73.92 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
SAFECO$73.92
Clearcover$76.80
USAA$79.49
Ameriprise Group$85.62
Farm Bureau Mutual (IA Group)$85.96

Driver's Coverage Auto Insurance Rates in Gilbert, AZ

driver's coverage

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 $98.00 while drivers who are not currently covered will pay around $135.71.

CoverageAverage Monthly Rate
Not Currently Insured $135.71
Currently Insured $98.00

Compare Recent Car Insurance Quotes in Gilbert

auto insurance quotes in Gilbert city

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 2020 Toyota Corolla can expect to pay around $88.25 per month while someone that owns a 2018 Dodge Grand Caravan may pay around $57.71 per month. Check out the list of recent quotes in Gilbert below.

VehicleAverage Monthly Rate
2020 Toyota Corolla$88.25
2018 Dodge Grand Caravan$57.71
2019 Cadillac XT5$76.94
2017 Ford Fiesta$90.33
2015 Mitsubishi Outlander$69.39
2003 Chevrolet Silverado$61.89
2016 GMC Acadia$60.96
2014 Nissan Altima$97.69
2020 Ford Expedition$76.71
2010 Hyundai Tucson$86.06

FAQ's for Drivers in Gilbert, AZ

driver’s frequently asked question in Gilbert

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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Commute Time in Gilbert, AZ

27.7 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Gilbert, AZ

214

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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