What's the Average Cost of Car Insurance in Gilbert?
Gilbert is recognized for its costly premiums, as its mean premium surpasses Arizona's average by 13%. Therefore if you are insuring a vehicle in Gilbert, being knowledgeable about premiums is vital. Keep some money in your pocket by following our tips and saving on auto insurance in Gilbert.
AUTO INSURANCE PRICES: GILBERT VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Gilbert Car Insurance by Gender and Marital Status
Both marital status and gender can have an effect on your car insurance premiums in Gilbert. Premiums for men and women tend to deviate by a mere 1%, with men paying less. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married can save you approximately $90 per year compared to being single or divorced.
GILBERT CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Gilbert Car Insurance After an Accident or Moving Violation
A history of accidents and violations can cost you in terms of prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. In Gilbert, drivers with a DUI need to spend 2.3x more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with average rates of $2,408! When comparing rates for drivers with at-fault accidents in Gilbert, those with damages exceeding $2,000 pay 15% more than those with damages less than $1,000.
AVERAGE GILBERT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$1,921|
|At-fault Accident (damages greater than $2,000)||$2,201|
|Speeding Ticket (16-20 mph over speed limit)||$1,855|
Gilbert Auto Insurance by Credit Rating
There is a difference of $1,931 per year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save around $1,402 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).
GILBERT CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Car Insurance Rate|
Gilbert Auto Insurance Premiums by Age
The largest dip in premiums for Gilbert drivers happens when they hit their 20s. Once out of the teenage age bracket, drivers reduce their premiums by 68%. Turning 60 causes a rise in insurance rates, but up until that age drivers can expect premium reductions when they move between age groups. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,226/year. Those in their 60s ($1,284) also have relatively low premiums. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,725 on average.
GILBERT CAR INSURANCE RATES BY DRIVER AGE
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Gilbert Agents
Witkin Insurance Agency, Inc.
1176 E Warner Rd Ste 108 Gilbert, AZ 85296
GBP Risk Solutions
3303 E Baseline Rd Ste 102 Gilbert, AZ 85234
Safe Street Insurance, LLC
2915 E Baseline Rd Gilbert, AZ 85234
The Arizona Group
3325 E Baseline Rd Gilbert, AZ 85234
Better Buyer Insurance LLC
1539 W Elliot Rd Gilbert, AZ 85233
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
Jim P. Goodvin dba: J.P. Goodvin Insurance Consultants
1032 W Iris Dr Gilbert, AZ 85233
Arizona Insurance Group LLC
1458 N Higley Rd Gilbert, AZ 85234
Southwest Premier Insurance Agency LLC
773 W Estrella Dr Gilbert, AZ 85233
Freedom Insurance Group
1166 E Warner Rd Gilbert, AZ 85296
Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona
3085 E Agritopia Loop N Gilbert, AZ 85296
San Tan Insurance Services LLC
625 N Gilbert Rd Ste 107 Gilbert, AZ 85234
The average Gilbert resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Gilbert
Just enter your zip code to get started
Gilbert Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...