Compare Rates and Save on Auto Insurance

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Factors like your driving profile and required coverage will determine which auto insurer is your most affordable. The cheapest auto insurance company in Gilbert, Arizona, is Mercury, while Root Insurance Company is the cheapest for DUIs and accidents. Travelers offers the cheapest policies for full coverage, teens and military members. Auto-Owners Insurance Co is the most affordable for people with tickets and also provides the best customer service.

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2023

Cheapest and Best Car Insurance in Gilbert

Cheapest Minimum Liability Car Insurance in Gilbert

The cheapest rates for a minimum coverage policy are offered by the following Gilbert auto insurance providers:

  • Mercury: approximately $341 per year
  • Travelers: approximately $349 per year

The General has the highest annual premiums at $1,441 for a minimum coverage auto insurance. Meanwhile, Mercury also provides the least expensive auto insurance in Arizona for $308 a year as of October 2022.

Company
Annual Premium
Monthly Premium

Mercury

$341

$28

Mercury

$349

$29

Travelers

$349

$29

Auto-Owners Insurance Co

$350

$29

Auto-Owners Insurance Co

$359

$30

Travelers

$374

$31

Travelers

$390

$33

Country Financial

$434

$36

Country Financial

$439

$37

State Farm

$442

$37

Root Insurance Company

$460

$38

Hartford

$461

$38

Root Insurance Company

$464

$39

State Farm

$470

$39

Mercury

$485

$40

Auto-Owners Insurance Co

$489

$41

Root Insurance Company

$495

$41

Hartford

$522

$43

Progressive

$533

$44

Progressive

$535

$45

GEICO

$543

$45

Farmers

$561

$47

Iowa Farm Bureau

$571

$48

State Farm

$572

$48

GEICO

$573

$48

Allstate

$575

$48

Farmers

$582

$48

Country Financial

$610

$51

Iowa Farm Bureau

$615

$51

Progressive

$623

$52

Nationwide

$633

$53

GEICO

$656

$55

Allstate

$660

$55

Nationwide

$666

$55

Allstate

$666

$56

Farmers

$688

$57

Hartford

$690

$58

Travelers

$704

$59

Travelers

$707

$59

Root Insurance Company

$707

$59

Root Insurance Company

$708

$59

CSAA

$716

$60

Auto-Owners Insurance Co

$731

$61

Iowa Farm Bureau

$744

$62

Root Insurance Company

$760

$63

Auto-Owners Insurance Co

$762

$63

Travelers

$836

$70

Nationwide

$836

$70

Hartford

$838

$70

CSAA

$839

$70

State Farm

$873

$73

Progressive

$920

$77

GEICO

$924

$77

GEICO

$927

$77

Hartford

$929

$77

State Farm

$946

$79

CSAA

$953

$79

Progressive

$959

$80

Mercury

$993

$83

Iowa Farm Bureau

$1,008

$84

Farmers

$1,035

$86

Mercury

$1,044

$87

Auto-Owners Insurance Co

$1,044

$87

Allstate

$1,056

$88

Farmers

$1,069

$89

Iowa Farm Bureau

$1,086

$91

GEICO

$1,139

$95

Allstate

$1,160

$97

Progressive

$1,189

$99

State Farm

$1,198

$100

Allstate

$1,211

$101

Country Financial

$1,226

$102

Nationwide

$1,281

$107

Iowa Farm Bureau

$1,283

$107

Farmers

$1,290

$107

Hartford

$1,308

$109

CSAA

$1,315

$110

Country Financial

$1,357

$113

The General

$1,441

$120

Nationwide

$1,445

$120

Mercury

$1,475

$123

CSAA

$1,532

$128

The General

$1,617

$135

CSAA

$1,738

$145

Nationwide

$1,744

$145

Country Financial

$1,766

$147

The General

$2,155

$180

The General

$2,909

$242

The General

$3,026

$252

The General

$4,222

$352

Arizona law stipulates that minimum coverage insurance must only have liability coverages with the following limits for both property damage and bodily injury:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

These indicate that the insurance provider will provide bodily injury liability coverage up to a limit of $25,000 for each individual hurt in a single accident, up to a maximum of $50,000. Additionally, it will pay for property damages up to $15,000 in a single accident. You might pay out of pocket for anything over these limits.

Cheapest Full Coverage Car Insurance in Gilbert

The most affordable full coverage auto insurance in Gilbert is provided by the following companies:

  • Root Insurance Company: approximately $707 per year
  • Travelers: approximately $707 per year

The General charges around $2,909 a year for full coverage, making them the city's most expensive auto insurer. With an average cost of $682 per year, Root Insurance Company provides the cheapest full coverage auto insurance in Arizona as of October 2022. Location can have a big impact on how much auto insurance costs.

Company
Annual Premium
Monthly Premium

Mercury

$341

$28

Mercury

$349

$29

Travelers

$349

$29

Auto-Owners Insurance Co

$350

$29

Auto-Owners Insurance Co

$359

$30

Travelers

$374

$31

Travelers

$390

$33

Country Financial

$434

$36

Country Financial

$439

$37

State Farm

$442

$37

Root Insurance Company

$460

$38

Hartford

$461

$38

Root Insurance Company

$464

$39

State Farm

$470

$39

Mercury

$485

$40

Auto-Owners Insurance Co

$489

$41

Root Insurance Company

$495

$41

Hartford

$522

$43

Progressive

$533

$44

Progressive

$535

$45

GEICO

$543

$45

Farmers

$561

$47

Iowa Farm Bureau

$571

$48

State Farm

$572

$48

GEICO

$573

$48

Allstate

$575

$48

Farmers

$582

$48

Country Financial

$610

$51

Iowa Farm Bureau

$615

$51

Progressive

$623

$52

Nationwide

$633

$53

GEICO

$656

$55

Allstate

$660

$55

Nationwide

$666

$55

Allstate

$666

$56

Farmers

$688

$57

Hartford

$690

$58

Travelers

$704

$59

Travelers

$707

$59

Root Insurance Company

$707

$59

Root Insurance Company

$708

$59

CSAA

$716

$60

Auto-Owners Insurance Co

$731

$61

Iowa Farm Bureau

$744

$62

Root Insurance Company

$760

$63

Auto-Owners Insurance Co

$762

$63

Travelers

$836

$70

Nationwide

$836

$70

Hartford

$838

$70

CSAA

$839

$70

State Farm

$873

$73

Progressive

$920

$77

GEICO

$924

$77

GEICO

$927

$77

Hartford

$929

$77

State Farm

$946

$79

CSAA

$953

$79

Progressive

$959

$80

Mercury

$993

$83

Iowa Farm Bureau

$1,008

$84

Farmers

$1,035

$86

Mercury

$1,044

$87

Auto-Owners Insurance Co

$1,044

$87

Allstate

$1,056

$88

Farmers

$1,069

$89

Iowa Farm Bureau

$1,086

$91

GEICO

$1,139

$95

Allstate

$1,160

$97

Progressive

$1,189

$99

State Farm

$1,198

$100

Allstate

$1,211

$101

Country Financial

$1,226

$102

Nationwide

$1,281

$107

Iowa Farm Bureau

$1,283

$107

Farmers

$1,290

$107

Hartford

$1,308

$109

CSAA

$1,315

$110

Country Financial

$1,357

$113

The General

$1,441

$120

Nationwide

$1,445

$120

Mercury

$1,475

$123

CSAA

$1,532

$128

The General

$1,617

$135

CSAA

$1,738

$145

Nationwide

$1,744

$145

Country Financial

$1,766

$147

The General

$2,155

$180

The General

$2,909

$242

The General

$3,026

$252

The General

$4,222

$352

Collision and comprehensive coverage are both included in full coverage policies.

  • Collision Insurance: In the event of an accident, collision insurance will cover the cost of replacing or repairing your vehicle, less your deductible.
  • Comprehensive Insurance: Offers protection for damages to your car brought on by incidents other than collisions, like theft and flood.

Older cars may not benefit from comprehensive coverage policies as much because you would be paying hundreds more annually for a vehicle that may not be worth the extra cost.

Cheapest Car Insurance in Gilbert After a Driving Offense

These Gilbert auto insurance providers charge the lowest prices after getting traffic violations on your record:

  • Speeding ticket: Auto-Owners Insurance Co (approximately $762 per year)
  • At-fault accident: Root Insurance Company (approximately $886 per year)
  • DUI: Root Insurance Company (approximately $782 per year)

The General offers the most expensive policies for drivers with traffic violations. On average, it costs $4,118 per year for an at-fault accident, $3,790 per year for DUI and $3,487 for a speeding ticket. Rates can be significantly impacted by driving records. In contrast to rates for safe driving, the lowest company's rates for poor records are typically more expensive.

Company
Annual Premium
Monthly Premium

Auto-Owners Insurance Co

$350

$29

Auto-Owners Insurance Co

$359

$30

Travelers

$437

$36

Travelers

$463

$39

Travelers

$466

$39

Travelers

$476

$40

Auto-Owners Insurance Co

$489

$41

Travelers

$494

$41

Travelers

$504

$42

Travelers

$505

$42

State Farm

$506

$42

State Farm

$506

$42

Root Insurance Company

$513

$43

Root Insurance Company

$518

$43

Mercury

$537

$45

State Farm

$537

$45

State Farm

$537

$45

Travelers

$543

$45

Auto-Owners Insurance Co

$545

$45

Root Insurance Company

$551

$46

Travelers

$555

$46

State Farm

$556

$46

Auto-Owners Insurance Co

$560

$47

Mercury

$573

$48

Root Insurance Company

$575

$48

Root Insurance Company

$577

$48

Root Insurance Company

$581

$48

Root Insurance Company

$582

$48

Progressive

$583

$49

State Farm

$591

$49

Hartford

$592

$49

Country Financial

$594

$49

Country Financial

$601

$50

Progressive

$615

$51

Root Insurance Company

$617

$51

Mercury

$619

$52

Root Insurance Company

$622

$52

GEICO

$625

$52

State Farm

$655

$55

State Farm

$655

$55

Hartford

$656

$55

Hartford

$662

$55

GEICO

$662

$55

Progressive

$665

$55

Progressive

$676

$56

Farmers

$692

$58

Mercury

$698

$58

Hartford

$703

$59

Progressive

$705

$59

Mercury

$707

$59

State Farm

$720

$60

Iowa Farm Bureau

$729

$61

Auto-Owners Insurance Co

$731

$61

Country Financial

$736

$61

Auto-Owners Insurance Co

$740

$62

Mercury

$743

$62

Country Financial

$746

$62

Hartford

$753

$63

Country Financial

$754

$63

Auto-Owners Insurance Co

$759

$63

Auto-Owners Insurance Co

$761

$63

GEICO

$762

$63

Progressive

$762

$63

Auto-Owners Insurance Co

$762

$63

Country Financial

$764

$64

Farmers

$770

$64

Nationwide

$771

$64

Root Insurance Company

$782

$65

Root Insurance Company

$783

$65

Progressive

$784

$65

Iowa Farm Bureau

$786

$66

Mercury

$789

$66

Farmers

$800

$67

Nationwide

$803

$67

GEICO

$806

$67

Hartford

$810

$67

Farmers

$816

$68

Country Financial

$837

$70

Root Insurance Company

$839

$70

Progressive

$842

$70

Root Insurance Company

$868

$72

Root Insurance Company

$870

$72

GEICO

$874

$73

CSAA

$874

$73

Root Insurance Company

$885

$74

Root Insurance Company

$886

$74

Progressive

$888

$74

Hartford

$890

$74

Farmers

$894

$75

Farmers

$906

$76

Farmers

$923

$77

Allstate

$929

$77

Root Insurance Company

$933

$78

Iowa Farm Bureau

$952

$79

GEICO

$955

$80

Root Insurance Company

$956

$80

Travelers

$967

$81

Nationwide

$974

$81

Iowa Farm Bureau

$984

$82

State Farm

$990

$82

State Farm

$990

$82

Country Financial

$992

$83

Mercury

$992

$83

Mercury

$994

$83

Farmers

$999

$83

Allstate

$1,011

$84

Travelers

$1,016

$85

Hartford

$1,027

$86

CSAA

$1,028

$86

Travelers

$1,031

$86

Auto-Owners Insurance Co

$1,032

$86

Farmers

$1,043

$87

Auto-Owners Insurance Co

$1,044

$87

Country Financial

$1,048

$87

Iowa Farm Bureau

$1,062

$89

Travelers

$1,064

$89

Allstate

$1,066

$89

CSAA

$1,069

$89

State Farm

$1,070

$89

State Farm

$1,070

$89

Travelers

$1,072

$89

Auto-Owners Insurance Co

$1,075

$90

Allstate

$1,081

$90

State Farm

$1,082

$90

Progressive

$1,084

$90

GEICO

$1,089

$91

Travelers

$1,090

$91

Progressive

$1,101

$92

Hartford

$1,108

$92

GEICO

$1,109

$92

Auto-Owners Insurance Co

$1,114

$93

CSAA

$1,116

$93

Hartford

$1,125

$94

Travelers

$1,126

$94

Travelers

$1,136

$95

Nationwide

$1,154

$96

Allstate

$1,155

$96

Allstate

$1,161

$97

State Farm

$1,169

$97

CSAA

$1,173

$98

Allstate

$1,173

$98

Travelers

$1,180

$98

Nationwide

$1,201

$100

Hartford

$1,216

$101

GEICO

$1,248

$104

Progressive

$1,271

$106

CSAA

$1,274

$106

Hartford

$1,275

$106

Iowa Farm Bureau

$1,286

$107

Iowa Farm Bureau

$1,289

$107

GEICO

$1,296

$108

Progressive

$1,302

$108

Hartford

$1,310

$109

Progressive

$1,323

$110

Iowa Farm Bureau

$1,324

$110

Allstate

$1,327

$111

CSAA

$1,334

$111

Allstate

$1,337

$111

GEICO

$1,348

$112

State Farm

$1,357

$113

State Farm

$1,357

$113

Farmers

$1,361

$113

Hartford

$1,377

$115

GEICO

$1,377

$115

Iowa Farm Bureau

$1,389

$116

Farmers

$1,395

$116

GEICO

$1,408

$117

Hartford

$1,417

$118

Auto-Owners Insurance Co

$1,418

$118

Iowa Farm Bureau

$1,428

$119

Nationwide

$1,447

$121

GEICO

$1,457

$121

CSAA

$1,463

$122

Auto-Owners Insurance Co

$1,466

$122

Nationwide

$1,479

$123

State Farm

$1,483

$124

Progressive

$1,486

$124

Farmers

$1,498

$125

Progressive

$1,516

$126

Nationwide

$1,526

$127

CSAA

$1,531

$128

Auto-Owners Insurance Co

$1,536

$128

Progressive

$1,542

$128

Farmers

$1,555

$130

Farmers

$1,579

$132

Nationwide

$1,581

$132

Mercury

$1,589

$132

CSAA

$1,625

$135

Country Financial

$1,633

$136

Iowa Farm Bureau

$1,640

$137

Allstate

$1,643

$137

GEICO

$1,674

$140

Farmers

$1,683

$140

Mercury

$1,683

$140

Farmers

$1,717

$143

Mercury

$1,724

$144

The General

$1,726

$144

Iowa Farm Bureau

$1,730

$144

Hartford

$1,736

$145

Farmers

$1,740

$145

Iowa Farm Bureau

$1,742

$145

Nationwide

$1,745

$145

Progressive

$1,750

$146

Nationwide

$1,772

$148

Allstate

$1,787

$149

Country Financial

$1,800

$150

Allstate

$1,823

$152

Iowa Farm Bureau

$1,877

$156

The General

$1,880

$157

Allstate

$1,882

$157

CSAA

$1,890

$158

Country Financial

$1,901

$158

Country Financial

$1,914

$159

Farmers

$1,922

$160

Mercury

$1,930

$161

Hartford

$1,968

$164

Allstate

$1,981

$165

The General

$1,983

$165

Allstate

$2,002

$167

Country Financial

$2,004

$167

CSAA

$2,006

$167

Auto-Owners Insurance Co

$2,028

$169

Hartford

$2,039

$170

Nationwide

$2,043

$170

Allstate

$2,050

$171

The General

$2,050

$171

Mercury

$2,081

$173

Country Financial

$2,089

$174

GEICO

$2,105

$175

CSAA

$2,124

$177

CSAA

$2,150

$179

The General

$2,212

$184

Iowa Farm Bureau

$2,216

$185

Mercury

$2,217

$185

Allstate

$2,219

$185

GEICO

$2,245

$187

GEICO

$2,266

$189

Allstate

$2,299

$192

Mercury

$2,343

$195

Iowa Farm Bureau

$2,344

$195

CSAA

$2,357

$196

Country Financial

$2,359

$197

Nationwide

$2,365

$197

The General

$2,468

$206

The General

$2,484

$207

CSAA

$2,502

$208

Iowa Farm Bureau

$2,526

$211

The General

$2,598

$216

Nationwide

$2,601

$217

Country Financial

$2,616

$218

CSAA

$2,692

$224

The General

$2,717

$226

Mercury

$2,745

$229

Country Financial

$2,770

$231

CSAA

$2,851

$238

Mercury

$2,949

$246

Iowa Farm Bureau

$2,983

$249

Nationwide

$3,030

$253

Nationwide

$3,072

$256

Nationwide

$3,308

$276

The General

$3,487

$291

The General

$3,707

$309

Nationwide

$3,736

$311

The General

$3,790

$316

The General

$4,118

$343

The General

$4,120

$343

The General

$4,581

$382

The General

$4,880

$407

The General

$5,108

$426

The General

$5,348

$446

The severity of the violation is frequently correlated with higher rates. For instance, Gilbert drivers who have a DUI record will pay at least $764 more in annual premiums. Those with speeding tickets will pay around $362 more per year. Those with bad driving records can still find affordable auto insurance.

Cheapest Car Insurance in Gilbert for Teens and Their Families

These Gilbert car insurance providers offer the most affordable family coverage for teen drivers in the area:

  • Travelers: approximately $1,974 per year for male teens and $1,654 per year for female teens
  • Nationwide: approximately $2,382 for female teens
  • GEICO: approximately $2,586 per year for male teens

Teen premiums for males and females are the most expensive with Allstate. The premium disparity between teen boys and girls for the cheapest provider is $320. Male teenagers often pay higher rates since they are considered to be riskier to cover. This gap starts to narrow in adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$891

$1,473

Travelers

$939

$1,520

Travelers

$990

$1,636

Travelers

$999

$1,806

Travelers

$1,022

$1,689

Travelers

$1,071

$1,734

Travelers

$1,096

$1,998

Travelers

$1,101

$1,952

Travelers

$1,138

$1,842

Travelers

$1,226

$2,184

Travelers

$1,253

$2,221

Travelers

$1,254

$2,500

Farmers

$1,321

$2,348

Travelers

$1,348

$3,030

Farmers

$1,366

$2,499

State Farm

$1,402

$4,083

Travelers

$1,402

$2,497

Travelers

$1,409

$2,848

Auto-Owners Insurance Co

$1,421

$2,969

Auto-Owners Insurance Co

$1,479

$3,227

Auto-Owners Insurance Co

$1,506

$3,147

Progressive

$1,513

$2,041

State Farm

$1,552

$4,519

Auto-Owners Insurance Co

$1,557

$3,397

Travelers

$1,564

$3,521

State Farm

$1,595

$4,540

Travelers

$1,599

$3,595

Nationwide

$1,603

$3,240

Auto-Owners Insurance Co

$1,603

$3,782

Progressive

$1,615

$2,143

Auto-Owners Insurance Co

$1,626

$3,864

Nationwide

$1,631

$4,891

State Farm

$1,632

$5,486

Progressive

$1,638

$3,163

Auto-Owners Insurance Co

$1,644

$3,587

Nationwide

$1,648

$3,619

Auto-Owners Insurance Co

$1,653

$4,190

Travelers

$1,654

$4,530

Allstate

$1,676

$2,584

State Farm

$1,692

$4,928

Allstate

$1,702

$2,624

Allstate

$1,709

$2,634

Allstate

$1,718

$2,749

Auto-Owners Insurance Co

$1,725

$3,604

State Farm

$1,757

$5,949

Nationwide

$1,761

$5,908

Progressive

$1,767

$3,400

Progressive

$1,772

$2,390

Progressive

$1,787

$2,370

GEICO

$1,788

$4,412

State Farm

$1,796

$5,111

Nationwide

$1,802

$3,643

Auto-Owners Insurance Co

$1,823

$4,039

Allstate

$1,857

$2,803

Progressive

$1,862

$2,973

Progressive

$1,881

$4,058

Nationwide

$1,887

$3,814

Progressive

$1,889

$2,941

Nationwide

$1,889

$4,579

Travelers

$1,895

$4,266

Progressive

$1,904

$3,678

Farmers

$1,905

$4,401

State Farm

$1,909

$6,416

GEICO

$1,916

$2,190

Allstate

$1,919

$2,891

Nationwide

$1,933

$4,245

Auto-Owners Insurance Co

$1,934

$5,583

GEICO

$1,935

$2,397

Progressive

$1,936

$2,569

GEICO

$1,938

$2,812

GEICO

$1,942

$2,221

Auto-Owners Insurance Co

$1,946

$4,932

Allstate

$1,955

$2,951

Progressive

$1,957

$2,638

Allstate

$1,973

$3,157

Travelers

$1,974

$5,544

Auto-Owners Insurance Co

$1,980

$4,387

GEICO

$1,986

$2,460

Allstate

$1,989

$3,003

State Farm

$1,990

$5,662

Auto-Owners Insurance Co

$1,993

$4,822

Farmers

$2,012

$4,182

State Farm

$2,016

$6,825

State Farm

$2,016

$7,704

Nationwide

$2,022

$5,442

GEICO

$2,023

$2,950

Farmers

$2,023

$4,865

Nationwide

$2,029

$4,456

GEICO

$2,034

$2,654

GEICO

$2,034

$2,535

GEICO

$2,061

$2,357

GEICO

$2,075

$2,571

Farmers

$2,075

$4,794

Farmers

$2,098

$5,344

GEICO

$2,100

$5,924

Progressive

$2,102

$4,581

Farmers

$2,126

$4,639

Farmers

$2,144

$10,572

State Farm

$2,144

$7,119

Farmers

$2,151

$5,172

Progressive

$2,160

$4,156

Farmers

$2,166

$3,851

Progressive

$2,171

$8,815

GEICO

$2,186

$3,188

Farmers

$2,186

$5,733

Allstate

$2,195

$3,315

GEICO

$2,202

$3,494

GEICO

$2,202

$3,540

Farmers

$2,207

$3,924

GEICO

$2,228

$3,234

Nationwide

$2,256

$8,087

Farmers

$2,264

$4,142

Farmers

$2,270

$11,472

State Farm

$2,311

$8,812

Nationwide

$2,329

$9,360

Nationwide

$2,329

$9,360

Auto-Owners Insurance Co

$2,329

$5,335

Allstate

$2,334

$3,901

GEICO

$2,336

$5,764

Farmers

$2,339

$4,280

GEICO

$2,353

$6,638

Farmers

$2,370

$11,687

Nationwide

$2,382

$10,002

Progressive

$2,399

$9,818

Auto-Owners Insurance Co

$2,407

$6,716

Nationwide

$2,440

$7,315

Allstate

$2,495

$3,759

State Farm

$2,516

$9,583

State Farm

$2,519

$8,363

Farmers

$2,530

$12,785

Auto-Owners Insurance Co

$2,556

$5,855

GEICO

$2,586

$9,326

GEICO

$2,586

$8,969

Auto-Owners Insurance Co

$2,617

$6,793

Progressive

$2,634

$12,324

Nationwide

$2,637

$11,111

Farmers

$2,638

$16,763

State Farm

$2,643

$10,077

State Farm

$2,656

$11,493

Progressive

$2,695

$10,945

Auto-Owners Insurance Co

$2,735

$7,631

Nationwide

$2,753

$12,770

Nationwide

$2,753

$12,770

Auto-Owners Insurance Co

$2,775

$8,882

Allstate

$2,814

$4,811

Farmers

$2,817

$18,454

Nationwide

$2,818

$13,668

Nationwide

$2,836

$9,513

Progressive

$2,879

$13,504

State Farm

$2,915

$10,996

Progressive

$2,938

$12,021

Allstate

$3,060

$4,621

State Farm

$3,343

$12,612

State Farm

$3,358

$14,400

Allstate

$3,621

$5,964

Allstate

$3,745

$6,170

Allstate

$3,780

$6,547

Allstate

$4,964

$7,397

Allstate

$5,136

$7,653

Allstate

$5,242

$8,382

It makes sense to enroll minors in the family insurance rather than having them purchase a policy on their own because teen rates are significantly higher. For instance, in Gilbert, a male teen would pay $2,895 per year more for individual coverage than he would for a family policy. You may save thousands of dollars a year by learning how to get the cheapest teen auto insurance.

Cheapest Car Insurance in Gilbert for Military Drivers

The two cheapest car insurance companies for military personnel and their families looking for full coverage in Gilbert, Arizona, are:

  • Root Insurance Company: approximately $707 per year
  • Travelers: approximately $707 per year

USAA is also offered in Gilbert and is available to military families. It costs an average of $724 annually. The rankings change if you opt for the minimum coverage. USAA has become the most affordable insurer with its roughly $241 yearly premium, followed by Mercury which costs around $341 per year.

Company
Annual Premium
Monthly Premium

USAA

$241

$20

USAA

$243

$20

USAA

$285

$24

Mercury

$341

$28

Mercury

$349

$29

Travelers

$349

$29

Auto-Owners Insurance Co

$350

$29

Auto-Owners Insurance Co

$359

$30

Travelers

$374

$31

Travelers

$390

$33

Country Financial

$434

$36

Country Financial

$439

$37

State Farm

$442

$37

Root Insurance Company

$460

$38

Hartford

$461

$38

Root Insurance Company

$464

$39

State Farm

$470

$39

Mercury

$485

$40

Auto-Owners Insurance Co

$489

$41

Root Insurance Company

$495

$41

Hartford

$522

$43

Progressive

$533

$44

Progressive

$535

$45

GEICO

$543

$45

Farmers

$561

$47

Iowa Farm Bureau

$571

$48

State Farm

$572

$48

GEICO

$573

$48

Allstate

$575

$48

Farmers

$582

$48

Country Financial

$610

$51

Iowa Farm Bureau

$615

$51

Progressive

$623

$52

Nationwide

$633

$53

GEICO

$656

$55

Allstate

$660

$55

Nationwide

$666

$55

Allstate

$666

$56

USAA

$687

$57

Farmers

$688

$57

Hartford

$690

$58

Travelers

$704

$59

Root Insurance Company

$707

$59

Travelers

$707

$59

Root Insurance Company

$708

$59

CSAA

$716

$60

USAA

$724

$60

Auto-Owners Insurance Co

$731

$61

Iowa Farm Bureau

$744

$62

Root Insurance Company

$760

$63

Auto-Owners Insurance Co

$762

$63

Travelers

$836

$70

Nationwide

$836

$70

Hartford

$838

$70

CSAA

$839

$70

USAA

$869

$72

State Farm

$873

$73

Progressive

$920

$77

GEICO

$924

$77

GEICO

$927

$77

Hartford

$929

$77

State Farm

$946

$79

CSAA

$953

$79

Progressive

$959

$80

Mercury

$993

$83

Iowa Farm Bureau

$1,008

$84

Farmers

$1,035

$86

Mercury

$1,044

$87

Auto-Owners Insurance Co

$1,044

$87

Allstate

$1,056

$88

Farmers

$1,069

$89

Iowa Farm Bureau

$1,086

$91

GEICO

$1,139

$95

Allstate

$1,160

$97

Progressive

$1,189

$99

State Farm

$1,198

$100

Allstate

$1,211

$101

Country Financial

$1,226

$102

Nationwide

$1,281

$107

Iowa Farm Bureau

$1,283

$107

Farmers

$1,290

$107

Hartford

$1,308

$109

CSAA

$1,315

$110

Country Financial

$1,357

$113

The General

$1,441

$120

Nationwide

$1,445

$120

Mercury

$1,475

$123

CSAA

$1,532

$128

The General

$1,617

$135

CSAA

$1,738

$145

Nationwide

$1,744

$145

Country Financial

$1,766

$147

The General

$2,155

$180

The General

$2,909

$242

The General

$3,026

$252

The General

$4,222

$352

How to Compare Cheap Gilbert Car Insurance Quotes Online

Filling out a lengthy car insurance quote form with a lot of personal information in Gilbert, Arizona, can take up to 15 minutes per company. That makes the process of manually comparing quotes online tedious. Fortunately, MoneyGeek's car insurance calculator can quickly provide you with a reasonable cost estimate based solely on common information, such as your age, vehicle type, amount of coverage and driving history.

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Best Car Insurance in Gilbert: Summary

The best Gilbert car insurance company for you will depend on your preferences. Here are our top picks across a range of categories.

  • Best overall: Auto-Owners Insurance Co (MoneyGeek score of 81 out of 100)
  • Best for service: Auto-Owners Insurance Co (MoneyGeek score of 66 out of 100)
  • Best cheap: Auto-Owners Insurance Co (MoneyGeek score of 84 out of 100)

A company's t score may vary depending on category weightings.

The best car insurance provider in Arizona is also Auto-Owners Insurance Co. For policyholders with a military connection, USAA is an excellent choice, scoring 84 out of 100.

Best Overall Car Insurance in Gilbert

When every factor is considered, the following companies came out as top auto insurance providers in Gilbert.

  • Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 (approximately $762 per year)
  • Travelers: MoneyGeek score of 78 out of 100 (approximately $707 per year)

Affordable policies and excellent coverage are both available from Auto-Owners Insurance Co.

Meanwhile, the best choice for those with military affiliation, such as servicemembers, veterans or their families, is USAA, which has a MoneyGeek score of 84 out of 100.

Auto-Owners Insurance

pros

Very affordable policies

Many coverage options

Offers diminished value and gap insurance coverages

cons

No new car replacement policy offered

Scores lower for claims management

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co is a well-rounded provider with overall great pricing and coverage options. It offers various uncommon and rare coverages, such as diminished value coverage, which can be used in the event that your car becomes involved in an accident. By guaranteeing that you receive compensation for a loss in value, this coverage safeguards your investment.

Additionally, gap insurance protects you against the value of your car depreciating, which begins as soon as you drive your new vehicle off the lot. In the case of an accident, this coverage will pay the difference between the vehicle's market value and any remaining lease or loan debt.

It also provides at-fault accident forgiveness coverage. Auto-Owners Insurance Co will not charge you an accident surcharge for the first accident that you cause after purchasing this benefit and meeting the requirements.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Gilbert for Customer Service

After taking into account only customer service and temporarily sidelining price in our evaluation system, the following Gilbert auto insurance providers stand out as the best:

  • Auto-Owners Insurance Co: MoneyGeek score of 66 out of 100 (approximately $762 per year)
  • Country Financial: MoneyGeek score of 65 out of 100 (approximately $1,357 per year)

Auto-Owners Insurance Co scores well for satisfaction and coverage options. It also scores well in terms of affordability, so you get great service for an excellent price.

Auto-Owners Insurance

pros

Excellent customer satisfaction score

High coverage score

Offers various uncommon benefits like deductible modification and personal automobile plus package

cons

Claims score is above average but could be higher

COMPANY HIGHLIGHTS

The Personal Automobile Plus Package from Auto-Owners Insurance Co simplifies different insurance-related concerns by bundling optional coverages for a reasonable price. This package protects you from incurred costs like identity theft, rekeying locks, replacing your mobile phone and more. It also contains over ten extra coverages.

Deductible modification coverage will waive your deductible if you collide with a vehicle that is also covered by Auto-Owners Insurance Co. If you have Auto-Owners Insurance Co coverage on both your home and your vehicles and suffer a loss that results in damage to both, it will offer a shared loss deductible. As a result, the personal property deductible will be subtracted from the auto deductible. If the auto deductible is lower than the personal property deductible, the provider might even completely forego it.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance Companies in Gilbert

The best insurance companies in Gilbert, Arizona, based on pricing and quality of service for plans that give the minimum coverage required by Arizona are:

  • Auto-Owners Insurance Co: MoneyGeek score of 84 out of 100 (approximately $359 per year)
  • Travelers: MoneyGeek score of 80 out of 100 (approximately $349 per year)

The cheapest minimum coverage options in Gilbert typically offer the least liability protection and don't cover damage to your own car in the event of a collision.

Auto-Owners Insurance

pros

Affordable policy at $359 per year

Offers bundling, paperless and anti-lock brakes discounts

Excellent affordability rating and coverage selections

cons

No defensive driving and driver’s education discounts

Lower claims management score

COMPANY HIGHLIGHTS

Auto-Owners Insurance Co offers affordable policies without skimping on the offered coverage. It also provides a wide selection of discounts, including uncommon and rare ones.

For instance, responsible payment discounts are available to people who have paid their premiums on time each month for the previous 36 months and good student discounts are offered to students who can consistently maintain cumulative grade point averages of "B" or above. Policyholders who have a good loss history might benefit from a lower premium thanks to the safe driving discount as well.

Additionally, if you have two or more private passenger cars insured under your personal auto policy or if you have other eligible policies with Auto-Owners Insurance Co, you may be eligible for premium discounts. If your car has safety features like anti-theft gadgets, anti-lock brakes (ABS) and airbags, you can also be qualified for this discount.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Gilbert

In Gilbert, the average price of car insurance is $1,162. This is $103 less than the $1,265 national annual average and $31 cheaper than the average annual cost of auto insurance in Arizona at $1,193. However, there are many other factors besides location that affect how much auto insurance costs.

These premiums are for full coverage insurance with bodily injury liability limits of $100,000 per person, $300,000 per accident and $100,000 per accident for property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.