How much is auto insurance in Gilbert?


Auto insurance costs an average of $1,549 per year in Gilbert. That's more than the statewide average in Arizona ($1,470) and more expensive than the national average of $1,548. Our guide to Gilbert auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


CAR INSURANCE RATES IN GILBERT
Gilbert Average (annual)Arizona AverageUnited States Average
$1,549$1,470$1,548

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Gilbert car insurance premiums by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Gilbert, GEICO offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in Gilbert. Don't forget to get car insurance quotes based on your unique driving profile.


GILBERT CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$823
USAA$1,290
State Farm$1,500
American Family$1,578
Progressive$1,675

Consult our expert guide to finding the best cheap car insurance.



Gilbert car insurance costs by age

Gilbert drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,373per year, on average. Rates for Gilbert drivers in their 60s are also relatively affordable, at just $1,434 per year.

The Gilbert drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Gilbert and move out of the teenage age bracket, they reduce their premiums substantially. In Gilbert, teenage drivers pay $6,434 — a full $5,000 more than the second-most expensive rate paid by an age group.


GILBERT CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,434
20s$2,074
30s$1,518
40s$1,472
50s$1,373
60s$1,434
70s$1,839

Learn more about how age influences auto insurance rates.



Gilbert car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Gilbert pay $126 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Gilbert, widowed drivers pay less than those who are single.

Gender is another factor that can influence auto insurance rates. In Gilbert, female drivers pay $24 per year more than do male drivers for car insurance.


GILBERT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Yearly Rate
Female$1,573
Male$1,549
Single$1,423
Married$1,423
Divorced$1,549
Widowed$1,478

Learn more about how gender and marital status have on car insurance rates.



Gilbert auto insurance costs by violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Gilbert drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $691 per year versus the city average. A ticket for speeding results in a $424 rate hike while a DWI or DUI violation costs $828per year in extra insurance expenditures.


AVERAGE GILBERT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DUI/DWI$2,377
Reckless Driving$2,240
At-fault Accident (damages < $1,000)$1,989
At-fault Accident (damages greater than $2,000)$2,276
Speeding Ticket (16-20 mph over speed limit)$1,972

Learn more about the impact of driving violations on car insurance rates.



Gilbert car insurance premiums by credit level


It's no secret credit score is closely correlated with car insurance rates. In fact, Gilbert drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 64% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Gilbert, improving your credit to "Fair" corresponds with a $1,584 decrease in annual car insurance rates.


GILBERT CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$3,479
Fair$1,894
Good$1,549
Very Good$1,399
Exceptional$1,242

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Gilbert?

Where you live in Gilbert affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Gilbert is no exception to the rule. From ZIP code 85298 to 85142, premiums rise by 7 percent—that’s $79.

Expensive Gilbert ZIP codes: 85296, 85297, 85234, 85142

Cheap Gilbert ZIP codes: 85298, 85233, 85295, 85206

Gilbert Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Gilbert, you can expect 26 rainy days with an annual rainfall of 7 inches. Gilbert is also known to experience thunderstorms and flash floods.

26

Rainy Days a Year

7"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Gilbert

2
Major Highways
Santan Freeway
2
Public Transit
Valley Metro Bus LINK Bus

Car Insurance Companies in Gilbert

Find Local Gilbert Agents

East Valley Insurance Services, Inc.

70 S Val Vista Dr Ste A3-480, Gilbert, AZ 85296

The Arizona Group

3325 E Baseline Rd, Gilbert, AZ 85234

Southwest Premier Insurance Agency LLC

773 W Estrella Dr, Gilbert, AZ 85233

Safe Street Insurance, LLC

2915 E Baseline Rd BLDG 6 Suite 112, Gilbert, AZ 85234

CTR Insurance LLC

1719 E Hearne Way, Gilbert, AZ 85234

Freedom Insurance Group

1166 E Warner Rd Suite 101-B, Gilbert, AZ 85296

Arizona Insurance Group LLC

1458 N Higley Rd Ste 102, Gilbert, AZ 85234

GBP Risk Solutions

3303 E Baseline Rd Ste 102, Gilbert, AZ 85234

Jim P. Goodvin dba: J.P. Goodvin Insurance Consultants

1032 W Iris Dr, Gilbert, AZ 85233

Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona

3085 E Agritopia Loop N, Gilbert, AZ 85296

Better Buyer Insurance LLC

1539 W Elliot Rd Suite 103, Gilbert, AZ 85233

San Tan Insurance Services LLC

625 N Gilbert Rd Ste 107, Gilbert, AZ 85234

Witkin Insurance Agency, Inc.

1176 E Warner Rd Ste 108, Gilbert, AZ 85296

Not sure about Gilbert

Check out these other Arizona cities:

Phoenix

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Chandler

Mesa

2

$1,153

The average Gilbert resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

184

That's equal to 184 cups of coffee or $461 in savings

See How Much You Can Save in Gilbert

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