When looking for the best car insurance in Gilbert, you will have to consider a variety of aspects. Your location, age, gender, driving record and more all affect the cost of your car insurance in Gilbert. The best way to find the most accurate rate is to get personalized quotes depending on your circumstances and needs.
Compare the Cheapest Car Insurance Quotes in Gilbert, AZ
- The Best Cheap Car Insurance in Gilbert
Average Cost of Car Insurance in Gilbert
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.
The Best Cheap Car Insurance Companies in Gilbert
Car insurance companies in Gilbert typically offer cheap rates, but when it comes to affordability, GEICO is the cheapest option with an average annual premium of $745. In comparison, this is about $450 less than the city average, and it’s also around 148.7% cheaper than a similar policy from MetLife, which offers the most expensive average annual premium in Gilbert at $1,853.
Rounding out the top five most affordable car insurance companies in Gilbert after GEICO are USAA, Progressive, Nationwide and Hartford.
Scroll for more
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 quotes from multiple carriers to find out if you are qualified for certain discounts or rebates.
Cheapest Car Insurance in Gilbert by Coverage Amount
How much car insurance coverage you purchase in Gilbert also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
Visit these guides to learn more:
Arizona Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $10,000 for property damage. A more protective level is 100/300/100.
Auto insurance providers create car insurance quotes in Gilbert based on different coverage levels. You can get a policy with state minimum liability for as little as $360 annually from GEICO. If you want to be able to claim up to $50,000 worth of medical bills, with a $100,000 total per vehicle and $50,000 for property damage liability, you can either purchase a 50/100/50 liability-only or full-coverage plan. If the difference between the two is nominal, then it may be better to get full coverage.
For instance, GEICO offers 50/100/50 liability-only policies for an average of $496 per year. Add around $142 to that and you can upgrade to full coverage. Another option that car insurance companies in Gilbert offer is 100/300/100 full coverage. The cheapest option for this type is a GEICO policy, which costs an average of $745 annually.
Average Car Insurance Premiums by Coverage Type
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Gilbert if You Have Tickets
Insurance carriers also check your driving history. If you have no moving violations, then you should be able to get the cheapest deal. For instance, GEICO policyholders with clean records pay an average of $745. Meanwhile, a driver with a speeding ticket pays an average of $883. If you have been in an accident where you were at fault, your annual premium will be $1,080. Those who have DUI convictions will pay an average of $1,506, which is about $761 more than a driver with a clean record.
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 CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Gilbert
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.
Shopping around for car insurance in Gilbert could save you $450, which is enough to buy:
Methodology and Assumptions
MoneyGeek’s average premium rates for Gilbert are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
About the Author