Best Cheap Auto Insurance in Gilbert, AZ (2021)

The average Gilbert, AZ auto insurance rates are $344 per month. The minimum auto insurance in Gilbert is at least 15/30/10 in coverage to comply with Arizona auto insurance laws. To find the best cheap auto insurance in Gilbert, Arizona, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Gilbert, Arizona is 15/30/10
  • The most expensive auto insurance company in Gilbert for teen drivers is Farmers
  • The average commute length in Gilbert is 28.2 minutes

Gilbert, Arizona auto insurance requirements are 15/30/10 according to Arizona auto insurance laws. Finding cheap auto insurance in Gilbert can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Gilbert, Arizona, including driving record, credit, commute time, and more.

Compare auto insurance in Gilbert to other Arizona cities, including Scottsdale auto insurance rates, Tucson auto insurance rates, and Glendale auto insurance rates to see how Gilbert, Arizona auto insurance rates stack up.

Before you buy Gilbert, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Gilbert, Arizona auto insurance quotes.

Minimum Auto Insurance in Gilbert, Arizona

Gilbert, Arizona auto insurance laws require that you have at least the Arizona minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Gilbert, Arizona.

Minimum Required Auto Insurance Coverage in Gilbert, Arizona

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Cheap Gilbert, Arizona Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Gilbert, Arizona are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Gilbert, Arizona

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,869 $3,869 $3,769 $3,769 $8,388 $10,830 $4,322 $4,695
American Family $3,005 $3,005 $2,760 $2,760 $7,987 $10,455 $3,005 $3,515
Farmers $2,744 $2,740 $2,437 $2,600 $11,927 $12,369 $3,098 $3,193
GEICO $1,692 $1,886 $1,437 $1,839 $4,889 $5,134 $1,541 $1,508
Nationwide $2,524 $2,565 $2,259 $2,389 $6,285 $8,038 $2,918 $3,151
Progressive $2,155 $1,872 $1,939 $1,841 $8,948 $9,952 $2,303 $2,266
State Farm $3,161 $3,161 $2,804 $2,804 $9,912 $12,464 $3,401 $4,294
Travelers $2,109 $2,219 $1,972 $2,096 $6,286 $7,959 $2,229 $2,343
USAA $1,715 $1,718 $1,602 $1,619 $6,486 $7,415 $2,261 $2,417

Cheap Gilbert, Arizona Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Gilbert, Arizona is a challenge. Take a look at the annual teen auto insurance rates in Gilbert, Arizona.

Annual Auto Insurance Rates for Teen Drivers in Gilbert, Arizona

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,388 $10,830
American Family $7,987 $10,455
Farmers $11,927 $12,369
GEICO $4,889 $5,134
Nationwide $6,285 $8,038
Progressive $8,948 $9,952
State Farm $9,912 $12,464
Travelers $6,286 $7,959
USAA $6,486 $7,415

Cheap Gilbert, Arizona Auto Insurance for Seniors

What are senior auto insurance rates in Gilbert, Arizona? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Gilbert, Arizona

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,769 $3,769
American Family $2,760 $2,760
Farmers $2,437 $2,600
GEICO $1,437 $1,839
Nationwide $2,259 $2,389
Progressive $1,939 $1,841
State Farm $2,804 $2,804
Travelers $1,972 $2,096
USAA $1,602 $1,619

Cheap Gilbert, Arizona Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Gilbert, Arizona compared to the annual auto insurance rates with a clean record in Gilbert, Arizona.

Annual Gilbert, Arizona Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,342 $5,523 $6,258 $5,632
American Family $3,240 $4,992 $6,252 $3,763
Farmers $4,341 $5,605 $5,470 $5,137
GEICO $1,922 $2,613 $3,507 $1,922
Nationwide $3,187 $3,353 $4,959 $3,565
Progressive $3,445 $4,554 $3,635 $4,004
State Farm $4,770 $5,731 $5,250 $5,250
Travelers $2,719 $3,543 $3,961 $3,383
USAA $2,292 $3,289 $4,337 $2,698

Cheap Gilbert, Arizona Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Gilbert, Arizona is not easy. Compare the annual rates for DUI auto insurance in Gilbert, Arizona to find the best deal.

Annual Auto Insurance Rates After a DUI in Gilbert, Arizona

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,258
American Family $6,252
Farmers $5,470
GEICO $3,507
Nationwide $4,959
Progressive $3,635
State Farm $5,250
Travelers $3,961
USAA $4,337

Cheap Gilbert, Arizona Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Gilbert, Arizona annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Gilbert, Arizona

Insurance Company Poor Fair Good
Allstate $6,945 $4,955 $4,416
American Family $5,731 $4,272 $3,682
Farmers $5,848 $4,903 $4,663
GEICO $3,426 $2,244 $1,802
Nationwide $4,532 $3,609 $3,157
Progressive $4,355 $3,811 $3,563
State Farm $9,662 $3,743 $2,346
Travelers $4,138 $3,374 $2,692
USAA $4,144 $2,901 $2,417

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Cheap Gilbert, Arizona Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Gilbert, Arizona can vary. Compare the annual cost of auto insurance by ZIP code in Gilbert, Arizona to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Gilbert, Arizona

ZIP Code Average Annual Rates
85233 $4,176
85234 $4,085
85295 $4,071
85296 $4,070
85297 $4,070
85298 $4,007

Cheap Gilbert, Arizona Auto Insurance Rates By Commute

Commute length and annual mileage affect Gilbert, Arizona auto insurance. Find the cheapest annual Gilbert, Arizona auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Gilbert, Arizona

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,439 $5,439
American Family $4,518 $4,605
Farmers $5,138 $5,138
GEICO $2,450 $2,532
Nationwide $3,766 $3,766
Progressive $3,909 $3,909
State Farm $5,115 $5,386
Travelers $3,402 $3,402
USAA $3,120 $3,188

Cheap Gilbert, Arizona Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Gilbert, Arizona? Check out the comparison of annual Gilbert, Arizona auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Gilbert, Arizona

Insurance Company Low Medium High
Allstate $5,074 $5,470 $5,773
American Family $4,381 $4,707 $4,597
Farmers $4,354 $5,195 $5,866
GEICO $2,078 $2,531 $2,863
Nationwide $3,572 $3,813 $3,913
Progressive $3,379 $3,992 $4,357
State Farm $4,683 $5,356 $5,711
Travelers $3,004 $3,461 $3,740
USAA $2,894 $3,200 $3,369

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Best By Category: Cheapest Auto Insurance in Gilbert, Arizona

Compare the cheapest auto insurance companies in Gilbert, Arizona in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Gilbert, Arizona

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

The Cheapest Gilbert, Arizona Auto Insurance Companies

What auto insurance companies in Gilbert, Arizona are the cheapest? Compare the top Gilbert, Arizona auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Gilbert, Arizona

Insurance Company Average Annual Rates
Allstate $5,439
American Family $4,562
Farmers $5,138
GEICO $2,491
Nationwide $3,766
Progressive $3,909
State Farm $5,250
Travelers $3,402
USAA $3,154

What affects auto insurance rates in Gilbert, Arizona?

There are a lot of reasons why auto insurance rates in Gilbert, Arizona are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Gilbert, Arizona. Many local factors may affect your Gilbert auto insurance rates.

Gilbert Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Gilbert, Arizona auto theft statistics, there have been 152 auto thefts in the city.

Gilbert Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Gilbert, Arizona commute length is 28.2 minutes according to City-Data.

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Compare Gilbert, Arizona Auto Insurance Quotes

Before you buy Gilbert, Arizona auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Gilbert, Arizona auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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