Gilbert, AZ Auto Insurance | Cheap Car Insurance in Gilbert, AZ

Average Gilbert, AZ car insurance quotes are $1,247/year or $104/month. Some policyholders pay up to $4,101/year. In this extensive guide, we'll show you which companies can save you money on Gilbert, Arizona car insurance. In addition to Gilbert, AZ car insurance, we also cover general information about the city. Learn more.

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Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of, a financial educat...

Licensed Insurance Agent

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

UPDATED: Nov 14, 2023

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Gilbert City, AZ Summary
Gilbert, AS StatisticsDetails
City Population242,354
City Density5,642 people per square mile
Average Cost of Car Insurance in Gilbert$4,006.93
Cheapest Car Insurance CompanyGeico

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Finding Arizona auto insurance doesn’t have to be time-consuming. Finding the perfect auto insurance policy has never been easier than it is right now. If you’re looking for cheap auto insurance in Gilbert, AZ, look no further.

We want to show you the facts while helping you save money at the same time. So sit back as we take you through this guide to car insurance in Gilbert, Arizona.

Ready to buy Gilbert, AZ car insurance? Use our free comparison tool by entering your ZIP code in the box above to get started finding affordable Gilbert, AZ auto insurance now.

Table of Contents

Gilbert, Arizona Auto Insurance

We’ve partnered with some of the most trusted insurance sources out there to bring you extensive research and data. From insurance discounts to significant factors that can influence your rates, we’ve got it all here.

We just want to show you the facts while helping you save money at the same time. Let’s start with the average monthly auto insurance rates in Gilbert.

Gilbert, AZ Average Monthly Auto Insurance RatesLegend: Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto 5101520253035404550$26$37$37$46$50

We know the cost of car insurance is usually the most important thing when you’re considering a new policy, so we want to tackle this subject first.

How much does car insurance cost? We can’t tie this question up with a straightforward answer. Your car insurance rates are dependent on many different essential factors.

Keep reading for a breakdown of auto insurance rates in Gilbert based on key components such as age and gender, ZIP code, driving record, and more.

Do gender and age affect my auto insurance in Gilbert?

Gilbert, AZ Average Monthly Auto Insurance Rates by AgeLegend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Safe Auto 153045607590105120135150165180195210225$26$234$37$87$37$93$46$104$50$168

According to Data USA, the average age in Gilbert is 33.6 years old. This is good news for Gilbert drivers because the best auto insurance companies charge very reasonable rates to people in this age group.

If the city skewed younger, car insurance companies might be more inclined to raise the average rates in Gilbert, because people younger than 25 years old are considered to be high-risk drivers.

Generally, insurance companies charge young drivers the most for car insurance. This could be attributed to the fact that young drivers have the least amount of driving experience.

But let’s take a closer look at how factors such as your age and gender could affect the rates carriers assess for your policy in Gilbert.

Gilbert, AZ Average Annual Auto Insurance Rates by Age
Age of DriverAverage Annual Rates

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The table above shows the average annual rates for various ages. Notice that 17-year-old drivers pay almost three times as much for their car insurance policy than 60-year-old drivers do.

The table also shows that your auto insurance rates will significantly decrease once you turn 25.

Besides your age, your gender can also influence your rate.

Car insurance companies believe female drivers are statistically safer drivers than men. This could be why they tend to pay less for car insurance than men do.

In Gilbert, male drivers are charged about $4,123.44 in policy premiums per year, while female drivers pay about $3,892.72.

This means that male drivers pay around $220 more annually for coverage than female drivers.

Let’s look at three demographics together in the table below: age, gender, and marital status.

Gilbert, AZ Average Annual Auto Insurance Rates by Age and Gender
Driver DemographicsAverage Annual Auto Insurance Rates
Married 60-year-old female$2,330.85
Married 60-year-old male$2,412.85
Married 35-year-old female$2,552.66
Married 35-year-old male$2,559.45
Single 25-year-old female$2,786.53
Single 25-year-old male$3,042.52
Single 17-year-old female$7,900.83
Single 17-year-old male$9,401.82
U.S. Average$4,123.44

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As you can see, single 17-year-old male drivers pay the most money for car insurance.

On the other side of the spectrum, married, 60-year-old female drivers pay the least for car insurance. Insurance companies view married people as more responsible and less risky than single people.

Don’t be too distressed by this data if you have a young driver in your household. There are still many more factors that can affect your car insurance rates. Keep in mind that your young driver’s rates should dramatically decrease as they get older if they keep a clean record.

What are the cheapest ZIP codes in Gilbert?

Gilbert, AZ Average Monthly Auto Insurance Rates by CityLegend: Chandler Phoenix Tucson Mesa Gilbert Farmers State Farm Liberty Mutual Nationwide Safe Auto Allstate 510152025303540455055606570$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

Did you know that your place of residence could also affect your car insurance rates?

Find your ZIP code in the table below.

ZIP CodesAverage Annual Rates

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As you can see, there’s about a $170 difference from the cheapest ZIP code in Gilbert to the most expensive ZIP code. While that’s not a huge difference, it’s still noteworthy.

If your area of the city is more prone to natural disasters or crime, you might pay a little more money than your neighbor does across town.

Compare affordable car insurance rates using our FREE comparison tool. Just enter your ZIP code.

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What’s the best auto insurance company in Gilbert?

While you’re searching for a new auto insurance company to compare, it’s essential to know that not all providers are created equal. What do we mean by that?

While one provider might believe that your credit score should influence your car insurance rate more than where you live, another provider might say that your driving record should affect your rate more than your credit score should.

Not all providers value the same information at an equal level, and it’s wise to be aware of the big picture when it comes to finding the cheapest rates.

Our researchers gathered the following data to help you make the best decision when it comes to your car insurance rates. Keep reading for an inside look at this information.

Cheapest Auto Insurance Rates by Company

The table below shows the car insurance companies that charge the cheapest coverage rates in Gilbert.

Gilbert, AZ Average Annual Auto Insurance Rates by Company
CompaniesAverage Annual Auto Insurance rates
American Family$4,561.57
State Farm$5,250.23

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If you look closely at this data, you’ll notice that Geico has the cheapest average rate per year for car insurance. However, if you look at the column that says Married 35-year-old male, you’ll see that Progressive has a cheaper rate than Geico does for that category.

What’s the point here?

When you’re looking at a table like this one, it’s important to zoom in on the rate for your specific demographic instead of just looking at the cheapest average rate.

Best Auto Insurance for Commute Rates

How far you drive every day can also affect your car insurance rates. According to the Federal Highway Administration’s 2014 Licensed Drivers by State report, Arizona drivers traveled an average of 12,829 miles that year.

The table below shows the average annual rates Gilbert insurers charge based on drivers’ commute rates.

CompaniesAverage Annual Rates for
10-Mile Commute
6,000 Miles
Average Annual Rates for
25-Mile Commute
12,000 Miles
Average Annual Auto Insurance Rates
American Family$4,518.09$4,605.06$4,561.58
State Farm$5,114.77$5,385.69$5,250.23

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As you can see, some insurers will charge you the same rate even if you drive more miles per year, while others increase your rate.

If you know that you drive more than the average person, try going with one of these five companies: Allstate, Farmers, Nationwide, Progressive, or Travelers.

In some states, Allstate quotes are more expensive. Bundle Allstate home insurance quotes with your car insurance policy to save money.

Allstate quotes for motorcycles can also help you save on auto insurance. Check your insurance shopping cart for Allstate as you grab a quote. Make things easier on yourself and try to buy Allstate auto insurance online.

Remember that your rates may go up if you drive more than average.

Best Auto Insurance for Coverage Level Rates

Did you know that some car insurance companies will give you a break on your rates if you purchase more insurance than what is legally required by the state?

Take a look at this table.

Gilbert, AZ Average Annual Auto Insurance Rates by Coverage Level
CompaniesAverage Annual Rates with High CoverageAverage Annual Rates with Low CoverageAverage Annual Rates with Medium CoverageAverage Annual Auto Insurance Rates
American Family$4,596.53$4,381.10$4,707.09$4,561.57
State Farm$5,711.02$4,683.28$5,356.38$5,250.23

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For just a few hundred dollars more per year (that’s less than $30 per month), you could go from having a minimum liability insurance policy to comprehensive coverage.

Check out American Family’s rates.

With American Family, a low coverage rate costs $4,381.10, while a high coverage rate costs just $215 more per year.

If you can afford to cut back on a few coffees every month, having a comprehensive coverage policy could save you thousands of dollars in the long run.

Best Auto Insurance for Credit History Rate

Gilbert, AZ Average Monthly Auto Insurance Rates by Credit HistoryLegend: Excellent Credit Poor Credit Farmers State Farm Liberty Mutual Nationwide Safe Auto 1020304050607080$20$53$31$71$28$64$41$60$46$86

Your credit score can affect much more than just your interest rate or your mortgage approval on a loan. It also can affect your car insurance rates.

Liberty Mutual in Gilbert, AZ, didn’t make the previous lists, but it’s an affordable car insurance company in Gilbert.

Many car insurance carriers can and will use your credit history as a determining factor when evaluating your annual premium.

Take a look at the table below to see how your credit score can influence the cost of your car insurance.

Gilbert, AC Average Annual Auto Insurance Rates by Credit History
CompaniensAverage Annual Rates with Good CreditAverage Annual Rates with Fair CreditAverage Annual Rates with Poor CreditAverage Annual Auto Insurance Rates
State Farm$2,345.83$3,742.60$9,662.25$5,250.23
American Family$3,681.66$4,271.68$5,731.38$4,561.57

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As you may have noticed, if you have a low credit score, your rates could be increased by thousands of dollars a year.

For example, Allstate charges about $2,500 more per year to drivers who have poor credit. State Farm charges more than $7,000 to drivers with poor credit. If you know that you have poor credit, Progressive might be a good company to compare rates with.

Best Auto Insurance for Driving Record Rates

Gilbert, AZ Average Monthly Auto Insurance Rates by Driving HistoryLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Safe Auto 1020304050607080$26$31$36$37$37$41$41$45$37$37Do Not Sell$57$46$53$85$64$50$58$65$68

Generally, the most significant factor affecting your car insurance rates is your driving record. The table below reveals exactly how much your rates could change based on your driving record alone.

Gilbert, AZ Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Annual Rates with a Clean RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding ViolationAverage Annual Auto Insurance Rates
American Family$3,239.66$4,992.26$6,251.79$3,762.59$4,827.90
State Farm$4,769.65$5,730.80$5,250.23$5,250.23$5,250.23

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It shouldn’t be a huge surprise that being convicted of a DUI could make your Gilbert, AZ car insurance rates soar.

If you break the law, expect to pay the consequences. Getting a DUI or causing a car accident is likely to increase your rates by thousands of dollars a year.

If you get a speeding ticket, your rates will likely increase, but they probably won’t increase by thousands of dollars.

Check out Nationwide if you’ve been in an accident, as they are a little more forgiving when it comes to raising your rates.

If you’re searching for a cheaper insurance company, enter your ZIP code in the FREE comparison tool to find insurance in your area.

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What are some auto insurance factors in Gilbert?

Before you call up your insurance provider and let them know you’re canceling your coverage because you found cheaper rates, take a breath and read the rest of this guide.

There are many more factors that can affect your car insurance rates.

Median Household Income in Gilbert

Do you know how much of your yearly salary is being spent on car insurance?

Data USA reported that households in Gilbert have an average annual income of $87,566, which is more than the average yearly income of $61,937 across the entire United States.

According Data USA’s Gilbert, Arizona report, the population of Gilbert, Az in 2017 was about 232,000.

This is in comparison to an average income of $85,581 in 2016, which represents a 2.32 percent rate of annual growth.

But what does this mean in practical terms for auto insurance premiums?

The average cost of auto insurance in Gilbert is $4,006.93. This means that about 4.5 percent of the average worker’s income is going straight to car insurance premiums.

Shop around before you settle on a policy.

Homeownership in Gilbert

Owning a home can help lower your car insurance rates. That’s right — car insurance companies believe that people who own their own homes are more responsible and less likely to be considered a high-risk driver.

Data USA says that in 2017, 72.1 percent of housing in Gilbert was owner-occupied. This percentage grew from the previous year’s rate of 71.6 percent.

This percentage of owner occupation is higher than the national average of 63.9 percent.

In 2017, the average property value in Gilbert grew to $286,400 from the previous year’s value of $264,700.

If you’re buying land, you might want to look into Geico’s vacant land insurance, or an equivalent coverage option from another company.

Education in Gilbert

There is one large education institute located in Gilbert. In 2017, 452 degrees were awarded to students who attended Pima Medical Institute-East Valley.

The student population of Gilbert is skewed toward women, with 44 male students and 449 female students.

The most popular majors in Gilbert are:

  • Veterinary technician and veterinary assistant – Degrees awarded: 133. Percentage of total degrees awarded: 29.4 percent
  • Phlebotomy technician – Degrees awarded: 122. Percentage of total degrees awarded: 27 percent
  • Nursing assistant and patient care assistant – Degrees awarded: 90. Percentage of total degrees awarded: 19.9 percent

Courses at Pima include a wide range of subjects, offering students a plethora of concentrations, degree programs, and program durations to pick from.

Wage by Race and Ethnicity in Common Jobs in Gilbert

How do race and ethnicity affect the wage rates in Gilbert?

In 2017, the highest paid race/ethnicity of Arizona workers was Asian. These workers were paid 1.22 times more than white workers, who made the second highest salary of any race or ethnicity.

The table below shows wages for common jobs based on race and ethnicity in Gilbert, along with the percentage of those workers’ incomes going to auto insurance premiums.

Gilbert, AZ Average Annual Auto Insurance Rates as a Percentage of Salary by Ethnicity
EthnicityAverage Annual Salaries Miscellaneous ManagersPercentage of Income Going to Car InsuranceAverage Annual Salaries for Firstline Supervisors of Retail Sales WorkersPercentage of Income Going to Car InsuranceAverage Annual Salaries for Retail SalespersonsPercentage of Income Going to Car InsuranceAverage Annual Salaries for Customer Service RepresentativesPercentage of Income Going to Car InsuranceAverage Annual Salaries for CashiersPercentage of Income Going to Car Insurance
American Indian$62,0846.40%$30,61913%$16,35624.40%$22,16318.10%$16,13024.80%
Other Native American$280,5331.40%$43,7949.10%$39,36110.10%$27,08414.80%$15,28126.20%
Two or more races$73,7545.40%$43,3259.20%$21,72518.40%$20,56819.50%$12,22032.80%

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The data above from Data USA shows us that there is, in fact, an ethnicity pay gap in the city of Gilbert. Depending on your job description, you could spend as much as 32 percent or as little as one percent of your yearly salary on car insurance.

Wage by Gender in Common Jobs in Gilbert

If you don’t believe there’s a gender pay gap in the United States, here’s the data to prove it:

  • Average Gilbert male salary – $60,619
  • Average Gilbert female salary – $46,169

Data USA says that in 2017, full-time male employees in Arizona made 1.31 times more than female employees.

That’s more than a $14,000 salary gap between genders. Even if male and female employees hold the same job title, the statistics reveal that male workers will still bring home a higher personal income.

The average annual cost of car insurance in Gilbert is $4,006.93.

This means that while women are paying about 8.7 percent of their annual income to cover the cost of car insurance premiums, men are paying out just over six percent of their total yearly earnings for coverage.

Poverty by Age and Gender in Gilbert

Check out these key trends concerning poverty by age and gender in Gilbert.

5.87 percent of the population for whom poverty status is determined in Gilbert (13,600 out of 232,000 people) live below the poverty line, a number that is lower than the national average of 13.1 percent.

The largest demographic living in poverty are females aged 25-34, followed by females aged 35-44, and then females aged 18-24.

Poverty by Race and Ethnicity in Gilbert

The most common racial or ethnic group living below the poverty line in Gilbert is white, followed by Hispanic and Asian.

The U.S. Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who is classified as impoverished. If a family’s total income is less than the poverty threshold, then that family and every individual in it is considered to be living in poverty.

Employment by Occupations in Gilbert

From 2016 to 2017, employment in Gilbert grew at a rate of 3.3 percent, from about 110,000 employees to 114,000 employees.

The most common positions by the number of residents in Gilbert are as follows:

  • Office and administrative support – 16,752 people
  • Sales and related occupations – 14,415 people
  • Management – 14,328 people

Keep reading for a look into road statistics in Gilbert.

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Driving in Gilbert, AZ

Whether you’ve lived in the city of Gilbert for many years or you’re just visiting for the weekend, you need to know the best driving routes around the city so you can avoid traffic, accidents, and road construction.

Keep scrolling for your complete guide to the best driving routes in Gilbert.

What are the major roads in Gilbert, AZ?

From major highways to old back roads and everything in between, we’ve got all your driving needs in Gilbert covered.

Are you ready? Let’s jump right in.

Major Highways

Arizona has six active routes running through the state, comprising a total of 1,168.64 miles of roadway. These active interstates include:

  • I-8
  • I-10
  • I-11
  • I-15
  • I-17
  • I-19
  • I-40

Interstate 10 and Interstate 17 run through the city of Gilbert. Interstate 17 runs north and south, while Interstate 10 runs east and west.

Good news for Arizona drivers: Arizona doesn’t have highway tolls. There are no monthly highway passes, tickets to punch, or extra charges from rental car companies since there are no toll roads.

However, you can use the Arizona Gas Calculator to calculate gas expenses for your trips in Arizona. If you travel to nearby California, Texas, Colorado, or Oklahoma, you can use the toll calculator to calculate tolls and gas expenses for cars, trucks, trailers, buses, RVs, and motorcycles.

Popular Road Trips/Sites

Are you looking for some fun things to do in Gilbert? Whether you’re just there for a quick vacation or you’ve lived there all your life, there are many great attractions in Gilbert.

Below is a list of interesting things to do in the city of Gilbert. The following information is brought to you by Trip Advisor.

  • Hale Centre Theatre – This is Arizona’s premier family theater in Gilbert since 2003. There is a 350-seat theater-in-the-round putting on family-friendly shows throughout the year.
  • Gilbert Farmers Market – Come visit Gilbert’s Farmers Market. Experience local vendors, taste local fresh produce, and wander around the food booths and food trucks.
  • BARNONE at Agriptopia – This is a great place to taste wine, blow a lazy afternoon, and eat some delicious food. Walk around the shops and enjoy the unique atmosphere.
  • Zanjero Park – Visit this strange little park with burrowing owls and other wildlife set in the heart of Gilbert. It’s open most days until 10 p.m.
  • 12 West Brewing Company – Experience this unique brewery with a great beer selection, indoor and patio seating, and a pizzeria next door.

Gilbert, Arizona Road Conditions

How are the road conditions in the Gilbert area?

Take a look at this table below.

Gilbert, AZ Road Conditions
Road ConditionsPercentage of Roads Affected
Vehicle Operating Costs$550

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As you can see from the table, the vehicle operating costs are just over $500 for Gilbert drivers.

Does your city use speeding or red-light cameras?

The city of Gilbert does not have any red-light or speeding cameras.

What type of vehicles are in Gilbert, AZ?

In this next section, we’ll cover vehicle trends and statistics in Gilbert.

Keep reading for the inside scoop on speed traps, vehicle theft, crime in Gilbert, and more.

How Many Cars Per Household

How many cars does the average household own in Gilbert?

Data USA says the average household in Gilbert owns two cars. A smaller portion of residents living in Gilbert has three cars.

Households Without a Car

Even though many households in Gilbert own two cars, some households don’t own a car at all.

Check out this table below.

Gilbert, AZ Households without a Car by Year
YearPercentage of Households
Without Vehicles
Number of Vehicles
per Household

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This data shows us that the number of households without a car decreased from 2015 to 2016. Also, the number of vehicles per household increased from 2015-2016 from 2.04 to 2.08.

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Speed Traps in Your City

Have you ever been the guilty victim of a speed trap?

The situation might look something like this:

You’re driving way too fast down an old dirt road. The speed limit was clearly posted about four miles ago, but no one is in front of you or behind you, so you’re going about 15 miles over the speed limit.

Finally, you catch up with another driver, and they’re going about 15 miles over the speed limit as well.

You hurry past a heavily wooded area, and then you see them. The blue and red lights are flashing in your rearview mirror and the siren goes off. You’re being pulled over.

A police officer was hiding in the trees, waiting for his prey, and guess what? You were it.

This is what we call a speed trap, and they’re no fun. You almost feel cheated. But if you had been going the speed limit, you wouldn’t have gotten pulled over.

Fortunately for Gilbert drivers, the city didn’t make it on the list of the 10 Worst Arizona Speed Trap Cities.

But just because Gilbert didn’t make it on this list certainly doesn’t mean there aren’t speed traps there. Always be aware of your surroundings, and always obey the traffic signs and signals.

Vehicle Theft in Gilbert

According to the FBI, there were 152 reported vehicle thefts in the year 2018 in Gilbert. The safest neighborhoods in Gilbert per Neighborhood Scout, are as follows:

  1. South Lindsay Road/East Williams Field Road
  2. South Val Vista Drive/East Ray Road
  3. South Higley Road/East Chandler Heights Road
  4. South Higley Road
  5. East Queen Creek Road/South Val Vista Drive
  6. South Recker Road/East Happy Road
  7. Chandler Heights
  8. East Williams Field Road/South Power Road
  9. South Ponderosa Drive/East Derringer Way
  10. East Arrowhead Trail/South Joshua Tree Lane

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are about 0.94 per 1,000 residents. This is significantly lower than the statewide figure, which puts residents at a 4.75 per 1,000 chance of being a victim of violent crime.

Gilbert is safer than 45 percent of cities across the country. The city ranks number 45 in Neighborhood Scout’s crime index, with 100 being the absolute safest.

The table below illustrates the incidents of violent crime in Gilbert in 2017 alone.

Gilbert, AZ Violent Crimes Statistics
Type of CrimeTotal Number of Crimes ReportedCrime Rate per 1,000 Population

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There were two murders in the city in 2017.

Below you’ll find data about Gilbert’s annual number of crimes for the year 2017.

Gilbert, AZ Annual Crime Rates
Crime StatisticsViolent Crimes ReportedProperty Crimes ReportedTotal Crimes Reported
Number of crimes2343,2733,507
Crime rate
(per 1,000 residents)

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According to the table above, in 2017, there were 3,507 crimes reported by Neighborhood Scout in Gilbert.

How is traffic in Gilbert?

Now that we’ve gone over the Gilbert, AZ crime rates, road conditions, and speed traps, it’s time to talk about traffic in Gilbert.

From Arizona’s busiest highways to transportation statistics, we’ve got it all right here.

Traffic Congestion in Arizona

Fortunately for Gilbert drivers, the city of Gilbert isn’t even ranked on major traffic scorecards like Inrix and TomTom. However, this doesn’t mean you’ll never get stuck in traffic.

Speaking of traffic, let’s dive a little deeper into transportation statistics.


We know that the average Gilbert driver doesn’t spend a lot of time sitting in traffic. But how much time do Gilbert drivers spend on their daily commute?

Using averages, employees in Gilbert have a longer commute time (25.6 minutes) than the normal U.S. worker (25.1 minutes). Additionally, one percent of the workforce in Gilbert have super commutes in excess of 90 minutes.

What forms of transportation in Gilbert are the most popular?

In 2017, the most common method of travel for workers in Gilbert was driving alone (80.1 percent), followed by carpooling (8.83 percent). Just under eight percent of the workforce works from home.

Busiest Highways

As we mentioned above, the two busiest highways that run through the city of Gilbert are Interstate 10 and Interstate 17.

Heavy traffic congestion is defined as follows:

  • Urban Areas – Traffic is bumper to bumper or moving at a stop-and-go pace.
  • Rural Areas – It is difficult to change lanes due to congestion.

How safe are Gilbert’s streets and roads?

We’ve talked about crime and shown you a map of the most dangerous neighborhoods in Gilbert, but do you know how safe Gilbert’s streets and roads really are?

There are many factors that can contribute to fatal crashes in a city like Gilbert.

The National Highway Traffic Safety Administration’s (NHTSA) 2018 study reported the safety conditions and fatal crashes in Maricopa County from 2014-2018.

To begin, let’s take a look at the total number of fatal crashes in Maricopa County during that five-year period.

Maricopa County, AZ All-Crash Fatalities by Year
YearTotal Fatalities
Fatalities per 100,000 Population

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As you can see, there were 490 total fatal crashes in 2018 in Maricopa County.

Next up, take a look at the fatalities in Maricopa County crashes from 2014-2018 involving alcohol-impaired drivers with BAC levels of .08 or above.

Maricopa County, AZ Alcohol-Related Crash Fatalities by Year
YearTotal Alcohol-Related FatalitiesFatalities per 100,000 Population

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The table above shows that there were 583 alcohol-impaired traffic fatalities in Maricopa County from 2014-2018.

Here are the total single-vehicle fatality crashes in Maricopa County from 2014-2018.

Maricopa County, AZ Single Vehicle Crash Fatalities by Year
YearNumber of Single Crash FatalitiesFatalities per 100,000 Population

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There were 289 single-vehicle fatal crashes in 2018.

The table below shows fatalities from crashes from 2014-2018 involving speeding, roadway departures, and intersections in Maricopa County.

Maricopa County, AZ Fatalities by Crash Type
YearNumber of Fatalities Involving an IntersectionNumber of Fatalities Involving a Roadway DepartureNumber of Fatalities Involving Speeding

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Next let’s look at the total fatalities in Maricopa County in 2017 by the type of person involved.

Maricopa County, AZ Fatal Crashes by Person Type
YearNumber of Passenger Car Occupant FatalitiesNumber of Pedestrian FatalitiesNumber of Pedal Cyclist Fatalities

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2018 saw the lowest number of pedal cyclist fatalities in Maricopa County, but the highest number of pedestrian fatalities out of the five years studied.

Check out the table below, which features the NHTSA’s data regarding highways in the state of Arizona with the most fatal crashes. Note how fatalities in your state vary based on the road type involved in the collision.

Arizona Fatal Crashes by Road Type
Arizona Road TypesNumber of Fatal Crashes
Freeway and expressway44
Minor arterial243
Collector arterial118
Total fatal crashes916

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An arterial road is a road with a high capacity for traffic.

The most significant number of fatal crashes in Arizona take place on roads categorized as “other,” with the second-highest number of fatalities occurring on minor arterial roads.

Collector arterial roads are the third most common type of road for fatal crashes.

Allstate America’s Best Drivers Report

Have you ever wondered how drivers in your city compare to other drivers across the country?

According to data collected from Allstate’s Best Drivers in America Report, Gilbert is the 41st safest city in the country for driving as of 2019.

In Gilbert, the likelihood of a claim being made as compared to the national average is -3.4 percent. Residents of Gilbert typically have 10.3 years on average between claims.

Ten years is a long time to go without filing a claim. This means that overall, getting into an accident in Gilbert is a pretty rare occurrence. But how often do Gilbert drivers hard-brake?

Whether it’s to slow down in traffic or to avoid an accident, Gilbert’s rate of hard-braking events is 22.6 per 1,000 miles.


Do you need a ride? RideGuru can tell you which types of ridesharing services are available in Gilbert.

Check out the list below.

  • Blacklane
  • Lyft
  • Taxi
  • Uber

Did you know car insurance companies have policies designed for rideshares? Enter your ZIP code to find auto insurance for rideshares right now.

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E-Star® Repair Shops

Are you in the market for some vehicle repairs? If so, E-Star® is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out the top 10 repair shops in Gilbert, according to E-Star®.

Gibert, AZ E-Star® Repair Shops
E-Star® Shop NameAddressContact Information
Caliber - Mesa - East Main Street3860 East Main St. Mesa, AZ 85205email: [email protected]
P: (480) 985-2133
F: (480) 985-7266
CARSTAR Michael's Collision11044 N. Cave Creek Rd.
Phoenix, AZ 85020
email: [email protected]
P: (602) 371-1700
Chapman Auto Body999 W. Bell Rd.
Phoenix, AZ 85023
email: [email protected]
P: (602) 866-6180
Gerber - Chandler725 E. Chandler Blvd. Chandler, AZ 85225email: [email protected]
P: (480) 917-8833
F: (480) 917-8836
Gerber - Gilbert477 N. Cooper Rd. Gilbert, AZ 85233email: [email protected]
P: (480) 632-4747
F: (480) 497-0786
Gerber - Mesa/3145 Main Street3145 E. Main St.
Mesa, AZ 85213
email: [email protected]
P: (480) 981-8500
F: (480) 981-8558
Gerber - Mesa/Broadway Road1015 W. Broadway Rd.
Mesa, AZ 85210
email: [email protected]
P: (480) 969-5485
F: (480) 962-8745
Gerber - Scottsdale/San Victor Drive8910 E. San Victor Dr. Scottsdale, AZ 85258email: [email protected]
P: (480) 391-7000
F: (480) 391-0200
Gerber - Tempe/Priest Drive8045 S. Priest Dr. Tempe, AZ 85284email: [email protected]
P: (480) 422-3870
F: (480) 705-3212
Gerber - Tempe/University Drive2100 W. University Dr.
Tempe, AZ 85281
email: [email protected]
P: (480) 774-9999
F: (480) 774-9997

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What is the weather like in Gilbert?

What is the weather usually like in Gilbert?

The table below shows U.S. Climate Data’s stats for typical temperatures in Gilbert.

Gilbert, AZ Weather
Weather TypeAverage Weather Statistics
Annual high temperature86.4°
Annual low temperature57.5°
Average annual precipitation (rainfall)9.29 inches
Average temperature71.95°

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As you can see, the average temperature in Arizona is just over 70 degrees.

But speaking of weather, how many natural disasters occur in the city of Gilbert? The following information is brought to you by City-Data.

Maricopa County has experienced 15 total natural disasters, which is higher than the nationwide average of 13. A total of 11 natural disasters in Maricopa County were declared by the president as major disasters, while one was declared to be an emergency.

The causes of these natural disasters were as follows:

  • Floods – 10
  • Storms – Nine
  • Fires – Three
  • Flash flood – One
  • Heavy rain – One
  • Hurricane – One
  • Tornado – One
  • Wind – One

Be aware that some natural disasters may fall into more than one category.

Do you know how to protect your vehicle in the event of a natural disaster? A comprehensive car insurance policy might be able to help with that. Watch the video below.

If your vehicle is damaged by a fire, tornado, hurricane, or any storm that qualifies as a natural disaster or an act of god, your insurance company will pay to cover the costs of any damages done to your vehicle if you have comprehensive coverage.

If you can afford an extra $30-$40 per month for comprehensive coverage, you could save thousands of dollars or more in the long run.

Is public transit available in Gilbert?

Valley Metro operates the following local and express bus routes in Gilbert:

  • Bus Route 108: Elliot/48th Street – Runs along Elliot and Guadalupe Roads between Arizona Avenue (in Chandler) and Superstition Springs Center (in east Mesa).

    • Grand Canyon University-Tempe campus
    • Gilbert Heritage District
    • Southeast Regional Library
    • Riparian Preserve
  • Bus Route 112: Country Club/Arizona Avenue – Runs along Arizona Avenue between Baseline and Guadalupe roads.

    • Downtown Chandler
    • Downtown Mesa
  • Route 136: Gilbert Road – Runs along Gilbert Road between Chandler-Gilbert Community College (located in Chandler) and Boeing (in northeast Mesa).

    • Crossroads Towne Center
    • Chandler-Gilbert Community College
    • Gilbert Civic Center
    • Heritage District
    • Gilbert Park-and-Ride Lot
  • Route 140: Ray Road – Runs along Ray Road between 48th Street in Ahwatukee (Phoenix), west of the I-10, to Gilbert Road (Gilbert) east of the Loop 101.

    • Ahwatukee Foothills Town Center
    • Raintree Ranch Center
    • Gilbert Civic Center
  • Bus Route 156 Chandler, AZ: Chandler Boulevard/Williams Field Road – Runs along Williams Field Road/Chandler Boulevard between Desert Foothill Parkway (in Phoenix) and ASU Polytechnic (in Mesa).

    • Arizona State University Polytechnic campus
    • SanTan Village shopping center
    • Mercy Gilbert Medical Center
    • Downtown Chandler
    • Chandler Fashion Center
    • Intel Corporation
  • Route 184: Power Road – Runs along Power Road between ASU Polytechnic (in Gilbert) and Mesa Community College at Red Mountain (in Mesa).

    • Phoenix-Mesa Gateway Airport
    • Superstition Springs Center
    • Banner Baywood Medical Center
    • Mesa Community College-Red Mountain Campus
  • Route 531: Mesa/Gilbert (Express Route) – It begins at the Gilbert Park-and-Ride located in the Heritage District, on the southwest corner of Page Ave. and Ash St. There are eight morning trips and seven evening trips running to and from downtown Phoenix.

    • West Mesa Park-and-Ride
    • Central Avenue and Van Buren Street
    • 17th Avenue and Jefferson Street

Gilbert is a Valley Metro Member Agency. To learn more, please visit Valley Metro’s website or contact customer service at (602) 253-5000. Be advised, COVID-19 has changed routes.

Gilbert also has paratransit services. See below.

  • Dial-a-Ride – Valley Metro operates Dial-a-Ride service, which is a door-to-door, shared-ride public transportation option for people who can’t use local bus service due to a disability. In Gilbert, this service is only available to riders with an ADA-certified disability.
    Learn More:

    • Dial-a-Ride services and fares (
    • Call (602) 716-2100
  • RideChoice – Valley Metro RideChoice provides taxi service at a deeply discounted rate to qualified seniors and people with disabilities.
    Learn More:

    • RideChoice program details (
    • Email [email protected]
    • Call (602) 716-2100

Are other Alternate Transportation options available in Gilbert?

Have you ever ridden an electric scooter?

Gilbert’s City Council approved the Lime electric scooter program on March 7, 2019. Lime scooters are quite affordable and only cost one dollar to unlock the scooter and 15 cents for every minute driven.

Watch the video below to see Gilbert Police Chief Michael Soelberg share tips on how to safely ride these devices in your community. Learn more at

Gilbert is experiencing these new transportation technologies like you are, and the city wants to make sure they are used responsibly.

Safety is a top priority, and Gilbert is the second-safest city in the country, so make sure to exercise caution.

Is parking easy in Gilbert?

According to Parkopedia, there is a two-hour parking garage with 250 spots in the city of Gilbert.
AZ Central reports that Gilbert is spending $14 million to build a second parking garage in its Heritage District.

The 1.2-acre structure will add 600 more parking spaces, valet services, electric car hookups, and an illuminated tower clock. The public parking garage on a vacant lot near Gilbert Road and Vaughn Avenue should ease parking difficulties in the popular restaurant area.

In addition to the new garage, Gilbert is also reviewing parking policy within the Heritage District.

Are you looking for a spot in the city of Gilbert to park and charge your electric car?

ChargeHub says the city of Gilbert has public charging station ports (level two and level three) within 15 km. Ninety-six percent of the ports are level two charging ports, and 33 percent of the ports offer free charges for your electric car.

The two main charging networks in operation are Blink and ChargePoint. You can find out more about the charging networks (policies, pricing, and registration information) by visiting ChargeHub’s networks section.

How is the air quality in Gilbert?

Back in the day, cars used to give off toxic fumes. Today, this isn’t as much of a problem as it used to be, but it’s still important to know if you’re breathing in clean air.

The following table shows the air quality in Maricopa County, based on the Environmental Protection Agency’s reports from 2017-2019.

Maricopa County, AZ Air Quality Index by Year
Maricopa County Air Quality Index201720182019
Days with AQI365365305
Good days515451
Moderate days259247217
Days unhealthy for sensitive groups505737
Unhealthy days540
Very unhealthy days030

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As you can see, the county had five days in 2017 when the air was considered unhealthy, four days in 2018, and zero unhealthy days in 2019. Even with these few unhealthy days, Maricopa County is considered to have extremely clean air.


If you’re in the military or you’re a veteran, you could qualify for an exclusive discount on your auto insurance policy.

Before we get into discounts, keep reading for a detailed overview of common service periods in Gilbert, along with nearby military bases.

According to Data USA, Gilbert has a large population of military personnel who served in Vietnam, 1.31 times greater than any other conflict.

This study found that the most common veteran service period was the Vietnam War, with 3,099 military personnel residing in Gilbert who served in that conflict.

The second Gulf War was the second most common service period, with 2,370 residents having served in the conflict. The first Gulf War was the third most common service period, with 2,160 residents having served in that conflict.

There are five military bases in the state of Arizona.

The military bases located in Arizona are listed below:

  • Davis-Monthan Air Force Base
  • Fort Huachuca
  • Luke Air Force Base
  • Marine Corps Air Station Yuma
  • Yuma Proving Ground

As a special “thank you” to military service members, car insurance companies often offer military discounts to active or retired military members.

The table below shows the top known providers currently offering military discounts that you may want to look into further if you previously served or are serving in the military.

Auto Insurance Companies Offering Military Discounts
CompaniesPercentage Saved With Discount
Geico (may be active or retired)15%
Liberty Mutual (must be active duty)4%
MetLife15% (could vary based on years of service)
Safeco (may be active or retired)N/A
USAA (policyholder, spouse, or parents must be active or retired military to secure policy)N/A

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In addition, USAA also offers discounts for military garages to hold vehicles on base.

Not every company openly releases the total percentage insureds can save with a military discount, which is why some of the carriers listed above are marked “N/A” in the percentage category.

The table below shows that Geico usually has the cheapest rates when compared to other car insurance companies in the U.S.

Gilbert, AZ Average Annual USAA Auto Insurance Rates Compared to Other Companies
CompaniesAverage Annual Rates
American Family$4,561.57
State Farm$5,250.23

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As you can see, USAA’s rate is about $600 more expensive than Geico’s rate.

You’re probably wondering, “Is there affordable auto insurance near me?” You can find affordable insurance by entering your ZIP code in the FREE comparison tool.

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Unique City Laws

Before we let you go, stick around for this exclusive look at a few unique driving laws in Gilbert.

It is illegal in Arizona to talk or text on a cellphone while driving unless the device is in a hands-free mode.

This law prohibits drivers from using a cellphone or a stand-alone electronic device while driving unless it is being used in a hands-free mode. This includes cellphones, tablets, and music, and gaming devices.

What does the city have to say about food trucks in Gilbert?

Customer Service and Code Enforcement processes all applications for a mobile food vending license. The Gilbert Fire Department inspects trucks seeking to use commercial cooking equipment, which includes the use of gas, propane, or an open flame.

The Gilbert Police Department conducts background checks for any applicant seeking to operate on public property.

Applicants seeking to operate on private property will require about five to seven days for processing. Applicants seeking to operate on public property will require a maximum of 30 days for processing.

In Arizona, any home built below 400 square feet falls under the category of a tiny house and should follow all respective building codes. This includes size regulations that require any home built with a foundation to be no smaller than 200 square feet.

Any tiny house built on a trailer must be larger than 160 square feet.

The structure can be professionally built out of lumber, using a DIY tiny house kit, or made from a repurposed shipping container. All materials are suitable when building a tiny home in Arizona as long as it follows the building codes.

You’ll need a building permit before you begin construction, as well as an approved trailer. Once your home is finished, an inspection will be required. You won’t be able to receive a certificate of occupancy and live in your tiny house until you’ve acquired a permanent land site.

When parking in the city of Gilbert, here are some pointers from Gilbert police:

  • Don’t park within 15 feet of a fire hydrant.
  • Don’t park a car on a public street, pointing the car in the wrong direction.
  • When parking on the side of the road is permitted, park in the direction of traffic.
  • Don’t park on the sidewalk.
  • Don’t park closer than 30 feet on either side of a stop sign.
  • Don’t park an unregistered car on a public street.

To report a violation, call the Gilbert Police Department’s non-emergency line at (480) 503-6500.

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Frequently Asked Questions: Gilbert Auto Insurance

Continue exploring Gilbert car insurance through these frequently asked questions.

#1 – What is the cost of living like in Gilbert?

According to a study by Sperling’s Best Places, the cost of living in Gilbert is above the nationwide average. Sperling rated the cost of living at 116.3.

A figure below 100 indicates that a city is cheaper than the U.S. average, while a number exceeding 100 indicates that the city is more expensive. The average home price in Gilbert is $332,800.

#2 – What auto insurance is required?

According to Nolo, the required minimum amounts of liability car insurance coverage in Arizona are:

  • $15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
  • $30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle
  • $10,000 for property damage per accident caused by the driver of the insured vehicle

This basic coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicles damaged in a car accident you cause, up to coverage limits.

#3 – What do I do if I get into an accident in Gilbert?

Nolo says Arizona follows a traditional fault-based system when it comes to financial responsibility for losses stemming from a car accident: injuries, lost income, vehicle damage, and so on.

This means that the person who was at fault for the car accident is also responsible for any resulting harm (from a practical standpoint, the at-fault driver’s insurance carrier will absorb these losses, up to policy limits).

#4 – What happens if I’m caught driving without insurance in Gilbert?

If you’re asked for proof of insurance during a traffic stop or after a car accident in Arizona, and a law enforcement officer learns that you don’t have insurance, you’ll almost certainly face suspension of your vehicle’s registration and/or your driver’s license.

To get these privileges reinstated, you’ll need to pay fees and file proof of financial responsibility with the Arizona Motor Vehicle Department.

These penalties will likely pale in comparison to the financial hit you could take if you’re in a car accident and you don’t have car insurance.

#5 – Are there any languages I should know?

In Gilbert, 86.04 percent of residents speak only English, while 13.96 percent speak other languages. The non-English language spoken by the largest group is Spanish, which is spoken by 6.69 percent of the population.

#6 – Who has the cheapest auto insurance in AZ?

Safeco, CSAA, and Geico have the cheapest auto insurance in Arizona.

#7 – Is Gilbert, Arizona, a nice place to live?

According to, Gilbert is a suburb area in Phoenix and is voted as one of the safest places to live.

#8 – What is the average cost of auto insurance in Arizona?

The average cost of Arizona car insurance is $1,247/year or $104/month.

#9 – Is auto insurance cheaper in Arizona than in California?

Yes. Arizona auto insurance is $349 cheaper than California auto insurance.

#10 – What are the worst insurance companies?

According to Consumer Reports, the worst insurance companies are Esurance, Liberty Mutual, and Nationwide.

Now that we’ve covered all you need to know about car insurance in Gilbert, AZ, it’s time to start comparing car insurance rates on your own. To get started, use our free tool by entering your ZIP code in the box below. Find the best Gilbert, AZ car insurance company now.

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