Compare the Cheapest Car Insurance Quotes in Gilbert, AZ

Car insurance in Gilbert costs an average of $1,195 annually, which is less than the state average. The cheapest insurer for the average driver is GEICO, but MoneyGeek also looked at the cheapest options based on coverage levels and driver profiles. For customers looking for a balance between affordability and quality, MoneyGeek also ranked the best companies in Gilbert.

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Last Updated: 11/8/2022
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In Gilbert, GEICO offers full coverage car insurance for $745 a year and state minimum liability coverage for an average of $360, both the cheapest in the city. GEICO also has the best deal for drivers with a speeding ticket with a premium of about $883 annually. An affordable option for military members and their dependents may be USAA. MoneyGeek recommends GEICO as best overall due to its low cost and excellent customer service.

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The Cheapest and Best Car Insurance in Gilbert

The Cheapest Car Insurance Companies in Gilbert

The companies with the cheapest average rates for a full coverage car insurance policy in Gilbert are:

  • GEICO: $745 annually
  • Progressive: $926 annually

Former and current military personnel and their families will find USAA car insurance an affordable option with an average annual premium of $760.

In Gilbert, GEICO offers the most affordable full coverage car insurance. MetLife, on the other hand, charges the most in the city at $1,853 per year, close to 150% more than GEICO. Your premium may change if you explore alternative liability limits coverage or have a different driving profile than the sample we used.

Cheapest Car Insurance in Gilbert
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    GEICO
    $745
  • 2.
    USAA
    $760
  • 3.
    Progressive
    $926
  • 4.
    Nationwide
    $976
  • 5.
    Hartford
    $996
  • 6.
    American Family
    $1,063
  • 7.
    State Farm
    $1,132
  • 8.
    Country Financial
    $1,142
  • 9.
    Travelers
    $1,169
  • 10.
    Esurance
    $1,238
  • 11.
    Allstate
    $1,302
  • 12.
    CSAA
    $1,332
  • 13.
    Farmers
    $1,362
  • 14.
    Mercury
    $1,494
  • 15.
    MetLife
    $1,853

According to our methodology, the rates in MoneyGeek's study are based on those for a 40-year-old male driver who purchased a full-coverage policy.

While comprehensive and collision coverage are more expensive than the state's minimum liability coverage and other optional coverages, a full coverage car insurance policy contains both. This is crucial because it protects you from the financial strain associated with car damage.

  • Comprehensive Insurance: This protects you against non-collision-related damage to your car, such as hail, theft or vandalism.
  • Collision Insurance: This covers the cost of damage to your car in the event of a collision with another vehicle or a stationary object.

If you own an older car, getting full coverage auto insurance may be more expensive than the car is worth. To save money on premiums, you might consider liability-only insurance or coverage that meets Arizona state minimum requirements.

Compare Car Insurance Rates in Gilbert

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Gilbert for Minimum Coverage

In Gilbert, the most cost-effective alternative is a policy with minimum coverage. On average, the following insurers offer the most affordable state minimum car insurance policies:

  • GEICO: $360 annually
  • Progressive: $484 annually

USAA car insurance is also affordable at $370 a year, but it’s only available to veterans and current members of the military.

GEICO’s coverage costs $602 less per year than Metlife, which comes in at about $962 per year. While policies with minimum coverage are the cheapest alternative, they also exclude comprehensive and collision coverage and have significantly lower liability limits. This may put you at risk of being underinsured in the event of an accident.

The table below shows how your premiums change when you choose different liability limits.

Cheapest Minimum Liability Car Insurance in Gilbert
State Minimum

Drivers in Arizona are required to carry a minimum of 25/50/15 liability insurance. While this is the cheapest insurance option available in Gilbert, it also provides the lowest amount of protection. If you are at fault in an accident, you could face a significant financial burden.

For instance, if the other driver incurs medical bills of $30,000 due to an accident in which you are at fault, your insurance will cover $25,000. You will have to pay the remaining $5,000 out of pocket.

Arizona Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Gilbert if You Have Driving Violations

DUIs, at-fault accidents and speeding tickets affect the cost of your car insurance premiums, sometimes with significant increases. The cheapest car insurance in Gilbert is listed below for each driving violation:

  • Cheapest after a ticket: GEICO, $883 annually
  • Cheapest after an at-fault accident: GEICO, $1,080 annually
  • Cheapest after a DUI: Progressive, $1,092 annually

To reduce your insurance premiums once you’ve had a violation, you’ll need to improve your driving history. That takes time, so once you’ve received a ticket or been in an accident, compare insurance quotes to see which insurers offer the most affordable rates for drivers with bad records.

Cheapest Car Insurance in Gilbert With a Violation
Speeding Ticket

Average Cost of Car Insurance in Gilbert

Gilbert$1,195
Arizona$1,284
U.S.$1,424

On average, car insurance in Gilbert costs around $1,195 per year, which is slightly lower than both the average state and national annual premiums. Drivers in the city pay about 6.9% less than the $1,284 statewide average. Meanwhile, the Gilbert average is about 16.1% cheaper than the $1,424 average annual premium in the United States.

Personalized Quotes to Get You the Cheapest Car Insurance in Gilbert

To come up with car insurance quotes in Gilbert, carriers evaluate several factors like age, gender, driving history, credit score, marital status, make and model of the vehicle and miles driven per year, among others. All of these will have an impact on the annual premium. Any changes in your circumstances will directly affect how much you will have to pay.

For example, in Gilbert, a middle-aged individual is more likely to get a better deal compared to a teenage driver. A GEICO average policy costs around $745 for a 40-year-old male, while a similar policy will cost an average of $1,617 for an 18-year-old male driver. You should regularly compare personalized auto insurance quotes from multiple carriers to find out if you are qualified for certain discounts or rebates.

Compare Car Insurance Rates in Gilbert

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Gilbert

MoneyGeek reviewed average rates, financial stability, user claims and user satisfaction ratings to find the best car insurance companies in Gilbert. The top auto insurance companies in Gilbert based on these parameters are:

  • GEICO: MoneyGeek score of 96 out of 100
  • State Farm: MoneyGeek score of 81.4 out of 100

MoneyGeek did not include USAA in this car insurance review due to its unique focus on military service members and their families. However, the best auto insurance provider in Gilbert for military members and their families is USAA, with a MoneyGeek score of 97.2 out of 100.


1
GEICO
Score:96

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO has a perfect score for financial stability and good scores for user satisfaction and claims. A full coverage policy for a 40-year-old driver in Gilbert costs $745 per year on average. GEICO offers mechanical breakdown coverage, a unique add-on coverage.

More About GEICO

GEICO offers four unique car insurance options to complement your coverage in Gilbert. For example, mechanical breakdown insurance covers your car’s components and systems at a lower cost than a dealer-issued extended warranty. Additionally, GEICO offers rental car reimbursement and roadside assistance coverage. The former will cover the cost of a rental car if your vehicle is inoperable for more than 24 hours due to an insured accident. The latter can be used to pay for tire repair, towing and car lockout services.

Read MoneyGeek's GEICO auto Insurance Review
2
State Farm
Score:81

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm scored a perfect user satisfaction rating and ranked high in financial stability and user claims ratings. The company’s full coverage car insurance in Gilbert costs an average of $1,132 a year. With State Farm, policyholders can also add rideshare insurance to their coverage.

More About State Farm

State Farm gets exceptional ratings in all MoneyGeek’s categories, making it the second-best car insurance company in Gilbert. State Farm also offers the option to add roadside assistance, rideshare coverage and rental car reimbursement to a standard car insurance policy. While many insurance providers don’t offer rideshare insurance, State Farm offers this unique coverage. With this coverage, your personal auto insurance policy remains in effect while you are working for a rideshare service, covering gaps between your commercial insurance and your personal insurance policies.

Read MoneyGeek's State Farm auto Insurance Review

Average Cost of Car Insurance by Postal Code

Where you live also determines the cost of your auto insurance. Regional differences in crime rates, accident occurrences, and the number of uninsured drivers all affect a person's premium from one part of the same city to another. Within Gilbert, however, your specific ZIP code barely matters at all. The most expensive neighborhood for auto coverage is ZIP code 85234, with an average annual premium of $1,214. That is about $31 more than the rate in the cheapest neighborhood for car insurance, 85295.

  • Zip Code
    State Minimumper year
  • 85295
    $1,183
  • 85296
    $1,188
  • 85234
    $1,214

Factors That Impact Insurance Costs in Gilbert

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Gilbert. How Gilbert ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities250th/300
handcuffs2 icon
Most Car Thefts127th/300
uninsured icon
Most Uninsured Motorists by State24th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall290th/300
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Most Rainy Days260th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.