How Much Does Auto Insurance Cost in Gilbert?


Gilbert is known for its expensive premiums, as its mean premium is $87 higher than Arizona's average. Therefore it is important to save while insuring a vehicle in Gilbert. We've analyzed how car insurance rates in Gilbert compare to costs nationwide.


CAR INSURANCE PRICES: GILBERT VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,334$1,247$1,427


Gilbert Car Insurance Rates by Driver Age

With typical car insurance payments of $5,678, teenage drivers have the biggest premiums of any age group. In Gilbert, when drivers hit their 20s, therefore moving out of the teenage age bracket, they pay 68% less in premiums. You will not see a more significant difference between any other age group. In Gilbert, turning 60 means an increase in rates. Up until then, progressing between age groups means decreasing prices. At $1,173, drivers in their 50s have the lowest premiums among any age group.


GILBERT AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$5,678
20s$1,796
30s$1,315
40s$1,264
50s$1,173
60s$1,234
70s$1,587


Gilbert Car Insurance After Accidents or Violations


Do you realize the impact an accident or violation can have on your car insurance premiums? Drivers with a DUI in Gilbert have rates that exceed the city average of $1,334 by 74%. Reckless driving will bump your rates up as well, with average rates of $3,028, which are 127% higher than the city average! Nobody plans on getting into an accident, but stuff happens, so be aware of the effect one can have on your rates. $789 is, on average, the additional cost for car insurance in Gilbert if you have an at-fault accident on your driving record.


AVERAGE GILBERT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentMean Rate
DUI$2,325
Reckless Driving$3,028
At-fault Accident (damages less than $1,000)$2,123
At-fault Accident (damages greater than $2,000)$2,123
Speeding Ticket (16-20 mph over speed limit)$1,794


Gilbert Auto Insurance by Credit Level


Average car insurance premiums in Gilbert for those with Very Poor credit (300-579) are 2.4x higher than for those with Exceptional credit (800-850). Drivers can save around 22% per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


GILBERT CAR INSURANCE COSTS BY CREDIT LEVEL
Credit QualityAverage Auto Insurance Rate
Very Poor$2,785
Fair$2,178
Good$1,734
Very Good$1,402
Exceptional$1,155


Gilbert Car Insurance by Gender and Marital Status


Both marital status and gender are important considerations in determining the price of car insurance in Gilbert. Rates for those who are widowed are slightly cheaper than rates for those who are single. Being married, as opposed to single, can save you around $100 per year on car insurance. Premiums for women are usually a mere 1% more expensive than for men.


GILBERT AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,348
Male$1,334
Single$1,334
Married$1,238
Divorced$1,334
Widowed$1,312


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

Find Local Gilbert Agents

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

1032 W Iris Dr Gilbert, AZ 85233

Freedom Insurance Group

1166 E Warner Rd Gilbert, AZ 85296

Witkin Insurance Agency, Inc.

1176 E Warner Rd Ste 108 Gilbert, AZ 85296

Southwest Premier Insurance Agency LLC

773 W Estrella Dr Gilbert, AZ 85233

Arizona Insurance Group LLC

1458 N Higley Rd Gilbert, AZ 85234

Safe Street Insurance, LLC

2915 E Baseline Rd Gilbert, AZ 85234

East Valley Insurance Services, Inc.

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

San Tan Insurance Services LLC

625 N Gilbert Rd Ste 107 Gilbert, AZ 85234

CTR Insurance LLC

1719 E Hearne Way Gilbert, AZ 85234

Better Buyer Insurance LLC

1539 W Elliot Rd Gilbert, AZ 85233

Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona

3085 E Agritopia Loop N Gilbert, AZ 85296

The Arizona Group

3325 E Baseline Rd Gilbert, AZ 85234

GBP Risk Solutions

3303 E Baseline Rd Ste 102 Gilbert, AZ 85234

See All

Not sure about Gilbert

Check out these other Arizona cities...

Phoenix

Tucson

Mesa

Chandler

Glendale

Scottsdale

2

$1,153

The average Gilbert resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

184

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

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Gilbert Car Insurance

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