Car Insurance in Gilbert
Arizona premiums sit under the national average by 13%, which is why the state is recognized for its low-cost rates. While premiums in the city are also relatively low, if you are insuring a vehicle in Gilbert, being knowledgeable about premiums is still critical. Keep some money in your pocket by following the tips below about how to save on car insurance in Gilbert.
- City Average: $1,334
- State Average: $1,247
- National Average: $1,427
Gilbert Car Insurance by Accident or Violation History
By avoiding driving mishaps that can make your car insurance premiums spike, you can not only save yourself money, but become a safer driver. If you are found at-fault in an accident in Gilbert, expect your yearly car insurance payments to grow by 59%. In Gilbert, drivers with a DUI need to spend $991 more than the city average to insure their vehicle. Reckless driving will also push your premiums up, with average rates of $3,028. That is 127% higher than the city average!
- DUI: $2,325
- Reckless Driving: $3,028
- At-fault Accident (damages less than $1000): $2,123
- At-fault Accident (damages greater than $2000): $2,123
- Speeding Ticket (16-20 mph over speed limit): $1,794
Gilbert Car Insurance by Credit Rating
For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the greatest drop in premiums when they upgrade their credit from Very Poor (300-579) to Fair (580-669). That change can save them $607 per year.
- Very Poor: $2,785
- Fair: $2,178
- Good: $1,734
- Very Good: $1,402
- Exceptional: $1,155
Gilbert Car Insurance by Age
Teenage drivers have the biggest premiums of any age group. They pay around $5,678 on car insurance premiums. Gilbert drivers see the biggest drop in premiums when they reach their 20s, as they save an average of 68% from moving out of the teenage age range. In Gilbert, turning 60 means an increase in premiums. Up until then, moving from one age group to the next means decreasing prices. Among all age groups, drivers in their 50s have the smallest car insurance premiums, with rates of $1,173/year.
- Teenagers: $5,678
- 20s: $1,796
- 30s: $1,315
- 40s: $1,264
- 50s: $1,173
- 60s: $1,234
- 70s: $1,587
Gilbert Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Gilbert is determined by numerous considerations, including gender and marital status. Rates for those who are widowed are slightly cheaper than rates for those who are single. You spend roughly 8% more per year if you're single or divorced as opposed to married. Premiums for men and women tend to vary by a mere 1%, with women paying more.
- 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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 Gilbert, AZ 85234
CTR Insurance LLC
1719 E Hearne Way Gilbert, AZ 85234
Arizona Insurance Group LLC
1458 N Higley Rd Gilbert, AZ 85234
GBP Risk Solutions
3303 E Baseline Rd Ste 102 Gilbert, AZ 85234
Witkin Insurance Agency, Inc.
1176 E Warner Rd Ste 108 Gilbert, AZ 85296
San Tan Insurance Services LLC
625 N Gilbert Rd Ste 107 Gilbert, AZ 85234
Freedom Insurance Group
1166 E Warner Rd Gilbert, AZ 85296
East Valley Insurance Services, Inc.
70 S Val Vista Dr Ste A3-480 Gilbert, AZ 85296
Southwest Premier Insurance Agency LLC
773 W Estrella Dr Gilbert, AZ 85233
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
The average Gilbert resident's annual cost of coverage
Our customer's average savings after comparing insurance
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Gilbert Car Insurance
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