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 AverageState AverageNational Average
$1,385$1,221$1,569


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/GenderAverage Rate
Female$1,404
Male$1,385
Single$1,385
Married$1,297
Divorced$1,385
Widowed$1,356


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/IncidentAverage Insurance Rate
DUI/DWI$3,125
Reckless Driving$2,408
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 ScoreAverage Car Insurance Rate
Very Poor$3,081
Fair$1,679
Good$1,385
Very Good$1,254
Exceptional$1,150


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
AgeAverage Rate
Teenagers$5,725
20s$1,849
30s$1,368
40s$1,321
50s$1,226
60s$1,284
70s$1,610


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

Safe Street Insurance, LLC

2915 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

Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona

3085 E Agritopia Loop N Gilbert, AZ 85296

GBP Risk Solutions

3303 E Baseline Rd Ste 102 Gilbert, AZ 85234

The Arizona Group

3325 E Baseline Rd Gilbert, AZ 85234

CTR Insurance LLC

1719 E Hearne Way Gilbert, AZ 85234

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

Arizona Insurance Group LLC

1458 N Higley Rd Gilbert, AZ 85234

Southwest Premier Insurance Agency LLC

773 W Estrella Dr Gilbert, AZ 85233

Not sure about Gilbert

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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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