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
Better Buyer Insurance LLC
1539 W Elliot Rd Gilbert, AZ 85233
Witkin Insurance Agency, Inc.
1176 E Warner Rd Ste 108 Gilbert, AZ 85296
Arizona Insurance Group LLC
1458 N Higley Rd Gilbert, AZ 85234
East Valley Insurance Services, Inc.
70 S Val Vista Dr Ste A3-480 Gilbert, AZ 85296
The Arizona Group
3325 E Baseline Rd Gilbert, AZ 85234
Jim P. Goodvin dba: J.P. Goodvin Insurance Consultants
1032 W Iris Dr Gilbert, AZ 85233
CTR Insurance LLC
1719 E Hearne Way Gilbert, AZ 85234
Southwest Premier Insurance Agency LLC
773 W Estrella Dr Gilbert, AZ 85233
Darrel DeBree Insurance Agency dba: Integrity Insurance Arizona
3085 E Agritopia Loop N Gilbert, AZ 85296
Freedom Insurance Group
1166 E Warner Rd Gilbert, AZ 85296
GBP Risk Solutions
3303 E Baseline Rd Ste 102 Gilbert, AZ 85234
San Tan Insurance Services LLC
625 N Gilbert Rd Ste 107 Gilbert, AZ 85234
Safe Street Insurance, LLC
2915 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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