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 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.
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.
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.
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.
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.
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.
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.
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.
Very affordable policies
Many coverage options
Offers diminished value and gap insurance coverages
No new car replacement policy offered
Scores lower for claims management
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.
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.
Excellent customer satisfaction score
High coverage score
Offers various uncommon benefits like deductible modification and personal automobile plus package
Claims score is above average but could be higher
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.
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.
Affordable policy at $359 per year
Offers bundling, paperless and anti-lock brakes discounts
Excellent affordability rating and coverage selections
No defensive driving and driver’s education discounts
Lower claims management score
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.
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