Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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!

Gilbert Average (annual) Arizona Average United States Average
$1,549 $1,470 $1,548

Skip to:

Or compare quotes from top insurance companies today:

Location pin icon
No spam. We take your privacy seriously.

Gilbert car insurance premiums by insurer

The company-by-company differences in insurance rates can be substantial, so it's important to gather multiple quotes and choose your auto 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.

Company Average 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.

Age bracket Average 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.

Gender/Marital Status Average 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.

Violation/Incident Average 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.

Credit Score Average 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.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Gilbert

Major Highways

Santan Freeway

Public Transit

Valley Metro Bus


Find Local Gilbert Agents

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

1032 W Iris Dr, Gilbert, AZ 85233

Safe Street Insurance, LLC

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

East Valley Insurance Services, Inc.

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

CTR Insurance LLC

1719 E Hearne Way, Gilbert, AZ 85234

Witkin Insurance Agency, Inc.

1176 E Warner Rd Ste 108, Gilbert, AZ 85296

Arizona Insurance Group LLC

1458 N Higley Rd Ste 102, Gilbert, AZ 85234

San Tan Insurance Services LLC

625 N Gilbert Rd Ste 107, Gilbert, AZ 85234

GBP Risk Solutions

3303 E Baseline Rd Ste 102, Gilbert, AZ 85234

The Arizona Group

3325 E Baseline Rd, Gilbert, AZ 85234

Better Buyer Insurance LLC

1539 W Elliot Rd Suite 103, Gilbert, AZ 85233

Southwest Premier Insurance Agency LLC

773 W Estrella Dr, Gilbert, AZ 85233

Freedom Insurance Group

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

Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona

3085 E Agritopia Loop N, Gilbert, AZ 85296


The average Gilbert resident's annual cost of coverage


Our customer's average savings after comparing insurance



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

See How Much You Can Save in Gilbert

Just enter your ZIP code to get started

Location pin icon
No junk mail. No spam calls. Free quotes.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.