Cheapest and Best Car Insurance in Gilbert, AZ (2023)

According to 2023 quotes collected by MoneyGeek, the cheapest auto insurance in Gilbert, AZ, is Mercury. The overall best auto insurance is Auto-Owners Insurance Co since it balances affordability with quality service.

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.

Cheapest + BestCar InsuranceGilbert

2023

Cheapest and Best Car Insurance in Gilbert

Cheapest Overall - Mercury

Cheapest Full Coverage - Root Insurance

Cheapest After Driving Offense - Auto-Owners Insurance

Cheapest for Teens - Travelers

Cheapest for Military - Root Insurance

Best Overall - Auto-Owners Insurance

Best for Customer Service - Auto-Owners Insurance

Best Cheap - Auto-Owners Insurance

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.

Age Group

Coverage

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.

Age Group

Coverage

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.

Age Group

Coverage

Incident

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.

Age

Gender

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.

Age Group

Coverage

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Arizona

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.USAA

$395

2.GEICO

$413

3.CSAA

$516

4.Country Financial

$574

5.Hartford

$576

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.

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.

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.

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 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.

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Cheapest and Best Car Insurance in Gilbert, AZ (2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Gilbert

Cheapest Full Coverage Car Insurance in Gilbert

Cheapest Car Insurance in Gilbert After a Driving Offense

Cheapest Car Insurance in Gilbert for Teens and Their Families

Cheapest Car Insurance in Gilbert for Military Drivers

How to Compare Cheap Gilbert Car Insurance Quotes Online

Best Car Insurance in Gilbert: Summary

Best Overall Car Insurance in Gilbert

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Gilbert for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Gilbert

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Gilbert