Cheapest and Best Car Insurance in Gilbert, AZ (July 2024)

In Gilbert, the most affordable coverage may vary based on driver details and desired coverage. Root Insurance Company has the lowest full coverage rates, while for families with teen drivers, Travelers is most cost-effective. However, for minimum coverage, Mercury offers the cheapest option. Regarding service, Auto-Owners excelling in both customer service and overall value, may be best for your specific needs, considering their balance of price and service.

MoneyGeek found that Mercury offers the cheapest car insurance in Gilbert, with highly competitive rates for minimum coverage policies.

• Mercury: $433 per year
• Root Insurance Company: $488 per year

The General is the most expensive minimum coverage policy in Gilbert, costing $1,600 annually. The difference of $1,167 between the cheapest and most expensive is why you should compare car insurance rates to ensure you're getting the best possible deal.

In Arizona, from Gilbert to all other cities, state law mandates the minimum car insurance coverages you must have. Here are the essentials:

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

If you're covered by the minimum policy and get into an at-fault accident, causing bodily injury to another person. Your insurance would cover up to $25,000 for that individual, but suppose their medical bills hit $30,000. You would have to pay the extra $5,000.

Root Insurance Company is the cheapest option in Gilbert for cheapest full coverage car insurance. With an array of options to choose from, here are the two most affordable insurers and their annual premiums:

• Root Insurance Company: $749 per year
• GEICO: $963 per year

The most expensive policy is offered by The General, at $3,075 annually. The $2,326 difference between the cheapest and most expensive showcases the potential savings, given that full coverage costs more due to the inclusion of comprehensive and collision insurance on top of basic liability.

The comprehensive Gilbert full coverage policy presented by MoneyGeek, provides $100,000 for individual bodily injury liability, $300,000 per accident for the same and property damage liability of $100,000 for every incident. This level of coverage is summarily denoted as a 100/300/100 plan.

Full coverage policies include both comprehensive and collision coverage, in addition to the enhanced liability limits.

• Collision Insurance: This ensures your automobile is protected financially in the event of engaging with another vehicle or object, like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

Investing in full coverage insurance is most prudent for those with new vehicles to preserve the value of your sizable expenditure. When it comes to older models, the supplementary coverage may not justify the extra expenditure of several hundred dollars.

Establishing the precise amount of car insurance you need requires weighing the advantages of ample coverage, which typically carries higher premiums, against opting for less, which can leave you inadequately insured. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

MoneyGeek found that Root Insurance Company is the cheapest company for drivers with a poor driving record in Gilbert, offering competitive rates for various driving offenses. Here are the most affordable options:

• Speeding Ticket: Root Insurance Company ($920 per year)
• At-fault accident: Root Insurance Company ($940 per year)
• DUI: Root Inspection Company ($829 per year)

The General tends to have the most expensive rates for the three incidents, with premiums as high as $4,729 for an at-fault accident, $4,351 after a DUI, and $4,004 for a speeding ticket. The difference in annual rates between the cheapest company after a speeding ticket and the cheapest after a DUI is $92, indicating rates can vary significantly with the severity of the offense.

In Gilbert insurance rates typically increase with the severity of a driving offense due to the heightened risk insurers must assume. For example, drivers with a speeding ticket can expect an average annual premium of $3,292, while those with a DUI face a steeper average annual rate of $4,218. This shows the importance for individuals with driving infractions to diligently compare insurance rates to find the most affordable coverage for their situation.

MoneyGeek found that Travelers offers the cheapest car insurance for teens in Gilbert, ensuring that young drivers stay insured without breaking the bank.

• Travelers: $1,654 per year for female teens and $1,974 per year for male teens
• Nationwide: $2,382 per year for female teens and $2,818 per year for male teens

These rates reflect the cost of adding one teen to a policy shared with two parents. In Gilbert, the most expensive teen family policy comes from Allstate, with an annual premium of $3,780 for female teens. The contrast in premiums, with Allstate's rate being $2,126 higher than Travelers for female teens, shows the importance of comparing quotes to secure affordable coverage.

For teens in Gilbert and surrounding cities, navigating through car insurance options can be financially challenging. On average, an individual teen policy runs at $6,147 annually, higher than the $3,056 average when added to a family plan. This rate difference is largely due to insurers viewing teens as high-risk drivers, hence higher premiums for individual policies. Securing insurance independently is often difficult for teens, as providers may be hesitant to underwrite policies for this high-risk demographic. Consequently, a family plan not only offers a more economical option but also increases the likelihood of gaining coverage.

MoneyGeek found that Root Insurance Company offers the cheapest full coverage car insurance for military backgrounds in Gilbert, Arizona. When searching for the cheapest car insurance for military backgrounds, consider the following options:

• Root Insurance Company: $749 per year
• GEICO: $964 per year

While Root Insurance Company and GEICO lead with the lowest annual premiums, it's notable that USAA is another strong option ranking sixth at $1,265 per year. Although its rates are higher than the top competitors, USAA is offers services that cater specifically to the needs of active duty military members and their families.

While finding affordable car insurance in Gilbert, citizens must weigh the balance of savings against time spent. MoneyGeek's car insurance calculator streamlines the process. Input details like age, driving history, credit score and coverage preferences to obtain an instant estimate.

Selecting the right auto insurance hinges on your individual preferences for service quality, cost, and coverage, among other factors. According to MoneyGeek's tailored scoring systems that evaluate various aspects, here are Gilbert's standout car insurance providers:

• Best overall: Auto-Owners (MoneyGeek score 86 out of 100)
• Best for service: Auto-Owners (MoneyGeek score 86 out of 100)
• Best cheap: Auto-Owners (MoneyGeek score 91 out of 100)

With Auto-Owners securing the top spot across all categories, it exemplifies the premier option in Gilbert for balancing overall value, exceptional service, and affordability. Those looking for a balance of cost-effectiveness and quality service will find Auto-Owners to be a singular choice attuned to diverse needs and priorities.

MoneyGeek found that Auto-Owners is the premier option in Gilbert for consumers seeking the best car insurance. This company has a high MoneyGeek score indicating exceptional overall performance.

• Auto-Owners: MoneyGeek score of 86 out of 100 ($1084 per year)
• State Farm: MoneyGeek score of 80 out of 100 ($1220 per year)

Auto-Owners has high customer satisfaction and top-tier affordability.

MoneyGeek found that Auto-Owners is the best option in Gilbert for car insurance customer service. This distinction is not based on rates but on high levels of general satisfaction, superior claims handling, and comprehensive coverages.

• Auto-Owners: MoneyGeek score of 86 out of 100 ($1,084 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($1,423 per year)

Auto-Owners has top scores in satisfaction and claims, indicating that customers can expect attentive service and reliable claims processing.

MoneyGeek found that Auto-Owners is the premier provider of affordable car insurance in Gilbert.

• Auto-Owners: MoneyGeek score of 91 out of 100 ($511 per year)
• Mercury: MoneyGeek score of 87 out of 100 ($433 per year)

Auto-Owners MoneyGeek score reflects a cost-effective insurance solution for those seeking minimal coverage without compromising on service quality.

In Gilbert, the average cost of car insurance is $1,456. This is more than the $1,397 average annual cost of auto insurance in Arizona. However, there are many other factors besides location that affect how much auto insurance costs. For example, in Arizona, Phoenix has the most expensive car insurance, with an average premium of $1,712 per year, while Tucson has the cheapest, at $1,382.