Cheap Car Insurance in Gilbert, AZ

Are you looking for cheap auto insurance in Gilbert, AZ? At, we can help you find cheapest car insurance in Arizona. What you need to do is type in your zip code in the search widget below – it’s that easy!

Gilbert has been recognized as one of the “Best Places to Live” within the United States, and has also won prestigious city awards from, C.Q. Press, and Dog Fancy magazine. Its early days were dominated mostly by agriculture, but recently (and especially within the last 20 years) the rapid population growth and economic diversification have completely transformed Gilbert into a modern metropolitan city.

  • Fun fact: break out the solar panels! Because Gilbert is #3 on the list of “Top 101 cities with the highest average sunshine amount (population 50,000+)”. Learn more about Gilbert by clicking here.

Auto Insurance Coverage Requirements in Arizona

In order to legally drive in Arizona, you must meet these insurance requirements:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability10,00025,000
Uninsured Motorist Bodily InjuryNot required15,000/30,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required0 deductible

Purchasing the right amount of insurance coverage for your vehicle is always tricky. On the one hand, you want to buy as much coverage as you can so that, if the worst happens, you won’t be financially put out. On the other hand, purchasing too much coverage can become an expensive investment in the long run. You can learn more information about cheap Arizona auto insurance here.

For some lucky Gilbert drivers out there, you can lower your monthly rate down to $42/mo* or less based on special discounts and deals that are currently happening in your area. This is much better than the $67 or more typical Arizona drivers are paying right now each month for their coverage.

Average Monthly Auto Insurance Premiums Legend: Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto 5 10 15 20 25 30 35 40 45 50 $26 $37 $37 $46 $50


If paying the lowest possible premium is important to you, then you should know that it also seems to be important to Liberty Mutual, State Farm, and Farmers. But make sure that stellar customer service and claims handling are also important to any company you decide to switch to before you make such a serious decision.

Those that supply motor vehicle insurance policies contemplate various variables while establishing insurance rates, such as driving experience, driving violations, type of vehicle owned, driving distance to work, and multiple cars and drivers. Also bear in mind that premiums differ from company to company. To make sure that you’re still paying the best cost, look at cheap Gilbert vehicle insurance costs online.

Major Car Insurance Factors in Gilbert

You might feel a bit hopeless whenever your vehicle insurance agency is calculating your rate; after all, almost all of the elements they will assess aren’t items you will be able to adjust or control. Thankfully, however, there are a few things which that you are in a position to modify for greater discounts, including:

  • Your Zip Code

Automobile insurance agencies need to know where you live (or the places you will likely be driving a car most often) to be able to estimate the likelihood of a car accident. All of it amounts to a very simple notion: the larger the human population, the greater amount of cars you will encounter on the road, and therefore the more opportunities you could have to get in a collision with or even be hit by another car or truck. The populace of Gilbert is actually 229,972 and the typical household income is $81,589.

Auto Insurance by Zip Code Legend: Chandler Phoenix Tucson Mesa Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto Allstate 5 10 15 20 25 30 35 40 45 50 55 60 65 70 $31 $36 $30 $28 $26 $36 $47 $38 $39 $37 $41 $71 $39 $52 $37 $46 $56 $43 $48 $46 $48 $63 $59 $48 $50 $49 $65 $42 $53 $49


  • Automotive Accidents

Gilbert has more than 200,000 people living within its borders – which makes their low fatal accident statistics very impressive. These stats are also impressive to local insurance agencies, who will automatically offer lower rates to drivers who park their cars in Gilbert each night.

Fatal Accidents in Gilbert, AZ Legend: Gilbert Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 7 8 9 6 7 2 6 9 2


  • Auto Thefts in Gilbert

Just about all insurance providers are worried about auto theft; this runs specifically true for motorists who reside in big towns and cities. The higher the populace, the greater the likelihood you will have to file an automobile robbery claim. In recent years, there were 423 stolen cars in Gilbert, which isn’t very low considering the population. If you have the extra money, it might be worth it to add Comprehensive coverage to your policy, because it’s the only form of coverage which protects against theft.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $26 $67 $37 $89 $37 $163 $46 $92 $50 $118


  • Your Credit Score

Nationwide seems to be one of the few insurance providers in Arizona with a soft spot for drivers with poor credit. Most of the other local insurance agencies, however, aren’t so forgiving. Having a poor credit score can more than double your rate, depending on which provider is offering you a policy.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 $20 $53 $31 $71 $28 $64 $41 $60 $46 $86


  • Your Age

Getting good grades and taking driver’s education classes are a necessity for any driver under the age of 25. Whether you are trying to pay for insurance on your own, or whether you are trying to lessen the burden of the extra expense to the family insurance policy, taking advantage of every possible discount is important because young people are charged some of the highest rates imaginable.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 180 195 210 225 $26 $234 $37 $87 $37 $93 $46 $104 $50 $168


  • Your Driving Record

The fewer blemishes on your record, the better for getting lower rates. Your premiums will likely rise based on the number and severity of driving violations you collect. While some providers will drop your coverage entirely for particularly heinous violations, other companies may forgive a minor violation or two with Accident Forgiveness discounts.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 10 20 30 40 50 60 70 80 $26 $31 $36 $37 $37 $41 $41 $45 $37 $37 Do Not Sell $57 $46 $53 $85 $64 $50 $58 $65 $68


  • Your Vehicle

Hypothetically speaking, there are some situations in which you can carry less coverage than you need for a luxury vehicle. But if a serious accident or a theft happens, and you don’t have sufficient coverage on your policy, good luck paying for all of those repairs (or a brand new car) completely out of pocket.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Safe Auto 15 30 45 60 75 90 105 120 135 150 165 $26 $76 $37 $109 $37 $166 $46 $105 $50 $133


Minor Car Insurance Factors in Gilbert

Even the smallest aspects of your life can have an influence, even a minor one, on what your rates will be:

  • Your Marital Status

Married drivers can take care of all sorts of bundling discounts. They can bundle with their spouse for their auto insurance, they can bundle their homeowner’s insurance in there too, and they can bundle many other forms of coverage into a single policy for maximum savings.

  • Your Gender

As the years go by and human beings get better at doing math, we’re starting to discover more and more that the risk of getting into an accident is virtually equal based on gender alone. Due to this, many companies don’t even factor gender into their calculations anymore. And for those that do – your increased premiums will likely rise no more than 1-3%.

  • Your Driving Distance to Work

Nearly 80% of those living in Gilbert own their own vehicle and use it in order to commute to and from work each day. This might explain why trips throughout the city average somewhere between 25-29 minutes each way. Up to 10% of drivers may carpool on any given day.

When your insurance company asks why you are on the road, what they are really trying to figure out is whether or not you are trying to insure your vehicle for business purposes. This is because automotive insurance on a business vehicle will raise your monthly premiums by at least 10% or more.

  • Your Coverage and Deductibles

Altering your deductible can give you a lot of freedom with your insurance coverage. Raising it can give you wiggle room to add coverage, or lower your monthly premium. Lowering it will raise your rates or force you to drop certain coverages, but if you are in an accident, it will make it less of a financial burden to get you back on the road.

  • Education in Gilbert, AZ

It is becoming more popular amongst automobile insurance providers to offer lower rates for motorists who have a higher level of education (regardless of profession or income). This is good news for the 25% of Gilbert residents who have a bachelor’s degree, because it means they are entitled to advanced discounts. Additionally, 21% of locals have at least one year or more of college under their belts. J&M

Although traffic can get a little crazy sometimes in Gilbert, the surrounding cities offer a wealth of educational opportunities for the prospective student who is willing to commute. The closest institution available to Gilbert residents is the Candler Gilbert Community College, which offers certificates and degrees in many different fields. They also offer students university transfer and workforce development programs.

Motor vehicle insurance is one of the most important financial investments you may make as a buyer. You need to be sure to find a legitimate, accountable provider that can follow through on their guarantees. A couple of insurance companies happen to be greater at this than others, and performing a conscientious internet search can help you distinguish the good from the inadequate.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Arizona Department of Insurance

Arizona Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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