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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Nathan Foster

Agency Trainer

  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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How much does car insurance cost in Gilbert?

Auto insurance in Gilbert costs roughly $157 per month or $941 for a six-month policy, which is around $67 more than the Arizona state average ($874) and $61 more than the national average ($880). Our research has revealed that Root has the most reasonable prices in Gilbert, with a six-month policy costing only $352.

Gilbert ranks in the top 30 cities for car high insurance rates in Arizona, and 42% of our customers in Gilbert used our service because they were paying too much for auto insurance. Keep reading to discover the factors that determine car insurance pricing or to compare rates from other providers in Gilbert.

Car Insurance in Gilbert vs. Arizona

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Car Insurance in Gilbert vs. Arizona Avg. 6 Mo. Premium
Arizona Average $874
Gilbert Average $941

Source: The Zebra

The cheapest car insurance companies in Gilbert

1st place medal
1st place: Root

Root Insurance offers the lowest rates in Gilbert with six-month policies at just $352.

2nd place medal
2nd place: Auto-Owners

Auto-Owners comes in second place with average policies at $530 for six months.

3rd place medal
3rd place: GEICO

Third place goes to GEICO for cheap rates in Gilbert with policies at $689 for six months or $115 per month.

The Zebra's key takeaways about car insurance in Gilbert:

  • The average cost of a car insurance policy in Gilbert is $941 per six-month policy — or $158 per month.
  • The cheapest company in Gilbert is Root ($352 every six months).
  • Gilbert ranks in the top 30 most expensive cities for car insurance in Arizona.
  • 42% of Zebra customers in Gilbert stated they used our product because they were paying too much with their current provider.

Are you paying too much for auto insurance?

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Gilbert car insurance rates by company

In Gilbert, Root was found to be the most economical option for full coverage car insurance, according to our research. The monthly cost for this coverage averages $59, which comes out to $352 for a six-month policy. Auto-Owners, with an average monthly rate of $88 or a six-month rate of $530, is the second most affordable option.

To discover the best car insurance providers, use The Zebra's Customer Satisfaction Survey as a resource.

Cheapest car insurance companies in Gilbert, AZ
Cheapest Car Insurance Companies in Gilbert, Arizona

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Company Avg. 6 Mo. Premium
Root $352
Auto-Owners $530
GEICO $689
USAA $765
Progressive $796
State Farm $813
Nationwide $920

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.

The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.

For a comprehensive understanding, see our detailed methodology.

Shop around for the best rates

Are you tired of spending hours trying to find cheap car insurance? Our comparison tool can help you find the perfect coverage that fits your budget and doesn't compromise on quality. All you need to do is enter your ZIP code, and you'll instantly see rates from leading providers like State Farm, GEICO, Travelers, and many more.

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Average car insurance in Gilbert by rating factor

Calculating your car insurance premiums involves considering several factors, some of which may be out of your control. While most insurers use rating factors, the significance of each one can differ depending on the carrier. For example, one insurer may place more emphasis on credit scores, while another may scrutinize a driver's driving history more closely.

Bear in mind that the optimal insurance provider for you may shift over time, just as your insurance requirements will change as you age. It's a good idea to obtain quotes every now and then to ensure you're still receiving the most favorable rates and the appropriate coverage.

Q: I didn't have an accident — Why is my insurance going up?

A: Car insurance costs in Gilbert can be impacted by the end-of-year earnings, which reflect the premiums received versus the claims paid out to the insureds. Insurers in a bustling city like Gilbert must remain competitive while also covering their expenses. Despite never having made a claim, certain insurance providers may charge higher rates due to their earnings and costs.

Auto insurance premiums by age in Gilbert

To determine your insurance premium, a range of factors are considered, and age is one of the most critical components. Teen drivers tend to have a higher rate of accidents than other age groups, making them a riskier investment for insurance companies. Consequently, they have to pay the highest costs when it comes to car insurance. In Gilbert, teenage drivers pay $1,823 more than drivers in their 20s, representing a staggering 151% increase.

This is the most significant increase in cost among any other age group. However, insurance companies are not targeting individuals. They need to offset the cost of paying claims, which makes rates naturally higher for riskier drivers. The good news is that with more driving experience and a safe driving record, prices will eventually even out.

Cheapest car insurance companies for teen drivers in Gilbert, AZ
Cheapest Car Insurance Companies for Teen Drivers in Gilbert, AZ

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Company Avg. 6 Mo. Premium
Root $946
Auto-Owners $1,646
GEICO $1,916
USAA $2,932
State Farm $3,053
Nationwide $3,259
Progressive $3,953

Source: The Zebra

Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s Root $453
30s Root $463
40s Root $467
50s Root $465
60s Root $489
70s Root $636

Zebra Tip: The cheapest companies for Gilbert drivers are Root and Auto-Owners

Our study reveals that the majority of Gilbert drivers fall between the ages of 20 and 40. This age bracket pays an average of $1,074 every six months for their auto insurance. If they choose one of the recommended providers, drivers in this demographic may save up to 48%.

Auto insurance premiums for minimum coverage in Gilbert

The amount of coverage you select is a crucial factor in determining your car insurance premium. According to our data, a quarter of Gilbert's drivers only carry the minimum state-required coverage, which can save you money in the short run but may not be sufficient in the event of a significant accident. On the other hand, adding collision coverage or comprehensive coverage (also called "full coverage") will substantially increase your rates but also provide much more coverage than the bare minimum if you file a claim.

Full coverage usually involves a deductible, which can be a way to save money while still having peace of mind! The greater your deductible, the lower your rates will be. If you need full coverage but want to lower your monthly payments, consider adjusting your deductible.

If you're looking for an additional layer of protection while driving, consider adding roadside assistance to your policy. Although this could impact your premium, The Zebra still suggests having it to provide peace of mind on the road.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

Those who lease or finance are usually required to carry specific coverages. If you own your car outright and are considering dropping collision or comprehensive coverage, we recommend that you first obtain the actual cash value of your car from a reliable source like Kelley Blue Book.

A general guideline is that if your car is worth less than $4,000
, you may be able to forgo collision coverage. This can lead to lower insurance premiums, but it also means that you will be responsible for paying for any repairs out of pocket if you are involved in a collision-type accident. Ultimately, the decision of whether to maintain full coverage on a lower-value vehicle is yours to make after considering the pros and cons.

Cheapest car insurance companies for minimum coverage in Gilbert, AZ
Cheapest Car Insurance Companies for Minimum Coverage in Gilbert, AZ

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Company Avg. 6 Mo. Premium
Auto-Owners $188
Root $199
GEICO $245
USAA $261
State Farm $345
Progressive $360
Nationwide $422

Source: The Zebra

In Gilbert, "best" coverage is favored by most of our customers, although it may not be the optimal choice for everyone. We acknowledge that this is a cost-effective alternative, but it exposes you to the possibility of damages that surpass your liability thresholds. Arizona's liability limits of 25/50/15 offer protection for harm caused by you, up to $25,000 per individual for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. While these boundaries may suffice for typical car accidents, they might be inadequate for bodily injury claims or collisions involving multiple vehicles.

Learn more about insurance laws in Arizona.

Gilbert car insurance rates by credit score

Your credit score is one of the factors that insurance companies consider when calculating your insurance rates, similar to your age. Although you may not be thrilled about it, there are valid reasons for this consideration. Evidence shows that drivers with lower credit scores are more likely to file claims, engage in risky driving behavior, and have more gaps in their insurance coverage.

Since lower credit scores are linked with higher risk, insurance companies must account for this when determining rates. In Gilbert, for example, drivers with poor credit (300-579) pay 116% more than those with excellent credit (800-850).

Our data indicates that 35% of Gilbert drivers have an "excellent (720+)" credit score, and Root offers the best value for drivers in this range.

Cheapest car insurance companies for drivers with bad credit in Gilbert, AZ
car insurance in gilbert by credit score
Cheapest Car Insurance Companies for Bad Credit in Gilbert, AZ

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Company Avg. 6 Mo. Premium
Root $468
GEICO $902
Nationwide $1,245
Progressive $1,349
USAA $1,470
Auto-Owners $1,532
State Farm $3,355

Source: The Zebra

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the two most common types of insurance claims. In addition to causing stress and anxiety, these accidents can also result in higher premiums. In Gilbert in 2023, an at-fault accident led to an average monthly increase of $78 in car insurance rates. After an at-fault accident, the most affordable car insurance provider in Gilbert is Root.

To avoid steep premium hikes, it's important to drive safely, no matter where you are. Accidents can happen unexpectedly, and they may not be your fault. Nevertheless, it's possible to minimize your risk of traffic citations and violations by driving responsibly. Speeding, reckless driving, and DUI charges are all behaviors that can result in significant rate increases.

Cheapest car insurance companies after an at-fault accident in Gilbert, AZ
Cheapest Car Insurance Companies After an At-Fault Accident in Gilbert, AZ

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Company Avg. 6 Mo. Premium
Root $489
Auto-Owners $740
State Farm $1,034
USAA $1,122
GEICO $1,196
Progressive $1,212
Nationwide $1,556

Source: The Zebra

Gilbert car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Gilbert.

Car insurance rate increases after violations and citations in Gilbert, AZ
Car Insurance Rate Increases After Violations and Citations in Gilbert, AZ

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Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $941 0% $0
One Med/PIP claim $941 0% $0
Not-at-fault accident $943 0% $2
Two Med/PIP claims $978 4% $37
One comp claim $979 4% $38
Two comp claims $1,025 9% $84
Failure to wear a seat belt $1,062 13% $121
Child safety restraint $1,064 13% $123
Driving without lights $1,064 13% $123
Failure to show documents $1,110 18% $169
Driving with expired registration $1,148 22% $207
Speeding 6 - 10 MPH over limit $1,181 26% $240
Wrong way/wrong lane $1,183 26% $242
Following too closely $1,184 26% $243
Failure to yield $1,184 26% $243
Failure to stop at a red light $1,184 26% $243
Illegal turn $1,184 26% $243
Cell phone violation $1,186 26% $245
Texting while driving $1,186 26% $245
Improper passing $1,198 27% $257
Speeding 11 - 15 MPH over limit $1,204 28% $263
Speeding in school zone $1,209 28% $268
Driving too slowly $1,209 28% $268
Speeding 16 - 20 MPH over limit $1,213 29% $272
In 65 MPH zone $1,242 32% $301
Passing school bus $1,250 33% $309
Speeding 21 - 25 MPH over limit $1,253 33% $312
At-fault accident - less than $1000 $1,305 39% $364
Operating a vehicle without permission $1,322 40% $381
At-fault accident - $1000-$2000 $1,395 48% $454
At-fault accident - greater than $2000 $1,409 50% $468
Open container $1,432 52% $491
Reckless driving $1,588 69% $647
Driving with a suspended license $1,608 71% $667
DUI $1,805 92% $864
Refusal to submit to a chemical test $1,805 92% $864
Racing $1,856 97% $916
Leaving scene of an accident/hit and run $1,866 98% $925

Source: The Zebra

Why is car insurance in Gilbert so expensive?

Gilbert is a fast-growing city in Arizona, but it's also known for having some of the highest auto insurance rates in the state. There are several factors that contribute to this, including the city's location in the Gilbert metropolitan area, which has a higher cost of living than many other parts of Arizona. Other factors like age, credit score, and driving record can also impact the cost of auto insurance in Gilbert.

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Rapid population growth

Due to Gilbert's close proximity to major Arizona cities (it is situated less than 30 minutes drive to Phoenix, Scottsdale, Tempe, and Mesa), the city is a prime location for commuters and a popular choice for residency[1]. Population growth at this rate often leads to high cost of living and in turn, increased car insurance rates. 

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Lack of public transportation

With fewer options for getting around, driving personal vehicles becomes a necessary choice. Considering its population density, accessibility to other major Arizona cities and most residents requiring cars, traffic congestion can become thick and offer more opportunities for accidents. This combination often means higher insurance premiums. 

Zebra Tip: Consider uninsured property damage coverage

In Gilbert, it is concerning that an estimated 25% of drivers do not have insurance, increasing the likelihood of accidents that may not be covered by insurance. To address this problem, uninsured motorist coverage (UMPD) is a recommended option as it provides financial support for damages caused by uninsured or underinsured drivers. Moreover, UMPD is typically more affordable than collision insurance, with a lower deductible and fewer rate hikes after making a claim.

Bundling insurance policies in Gilbert

Car insurance expenses appear to be increasing universally. The good news is that Gilbert drivers can still find methods to save money on their auto insurance. One of the easiest ways to receive a discount is to bundle several policies with one provider. If you have home or renters insurance, it's worthwhile to get in touch with your insurance company and inquire about the possibility of combining your car insurance with it. Check for bundle discounts provided by other companies as well. By merging your premiums, you could save up to 10%. Obtain additional information about bundling home and car insurance.

bundling home and auto insurance in gilbert
Cheapest car insurance companies for bundling home and auto insurance in Gilbert, AZ
Cheapest Car Insurance Companies for Bundling Home and Auto Insurance in Gilbert, AZ

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Company Avg. 6 Mo. Premium
Root $337
Auto-Owners $466
GEICO $655
State Farm $672
Progressive $686
USAA $703
Nationwide $816

Source: The Zebra

Even though there may be some uncontrollable factors that affect your insurance rates in Gilbert, you can still take measures to maintain a positive profile while searching for insurance. Remember that you have choices when it comes to your insurance company! Even if you've been with the same provider since you first obtained auto insurance, it's worthwhile to compare other quotes to find the most cost-effective rate that also meets your coverage requirements. Although switching providers can be difficult, some are more expensive than others, and you always have the option to switch.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

For a six-month car insurance policy in Gilbert, the average cost is $941, or roughly $157 per month, which is more costly than both the national average ($880) and the Arizona state average ($874).

Root is the insurance company that comes in with the lowest rates in Gilbert, with an average cost of $352 per six-month policy.

In Gilbert, it can be quite costly for teenage drivers to obtain a six-month policy, with prices reaching around $3,027 or roughly $505 per month. To help mitigate the high cost of car insurance for young drivers with their policies, we recommend that parents or guardians add them to their own policies.

Find affordable rates in minutes!

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How much is car insurance near me? — explore more cities near Gilbert, AZ

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 editorial 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.