Buy Cheap Gilbert, AZ Auto Insurance
The average annual auto insurance rates in Gilbert, AZ are around $4,123. The cheapest auto insurance company in Gilbert, AZ is GEICO, although rates will vary for each person. Gilbert, AZ auto insurance must meet the state minimum requirements with coverage levels of 15/30/10 for liability and property damage.
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UPDATED: Mar 26, 2021
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- The average annual auto insurance rate for Gilbert, AZ is $4,123
- The cheapest auto insurance company in Gilbert, AZ is GEICO, and the second cheapest is USAA
- Gilbert, AZ rates are affected by the traffic that is shared with Tempe as well as Phoenix
- The average commute time for Gilbert is 26.1 min
Gilbert, AZ average annual auto insurance rates are well above the state average. They are about the same as Tempe rates and about $500 cheaper than Phoenix rates. However, that doesn’t mean cheap Gilbert, AZ auto insurance is impossible to find.
You can save on Gilbert, Arizona auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in Gilbert, Arizona for every age, credit history, and driving record.
Ready to find affordable auto insurance in Gilbert, AZ? Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Gilbert, AZ?
The cheapest auto insurance company in Gilbert, based on average rates, is GEICO.
The top auto insurance companies in Gilbert, AZ, ranked from cheapest to most expensive are:
- GEICO – $2,491
- USAA – $3,154
- Travelers – $3,402
- Nationwide – $3,766
- Progressive – $3,909
- American Family – $4,562
- Farmers – $5,138
- State Farm – $5,250
- Allstate – $5,439
There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.
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What auto insurance coverage is required in Gilbert, AZ?
All Gilbert drivers have to meet the Arizona state law minimum requirements to buy auto insurance.
In Arizona, you have to carry at least:
- $15,000 per person and $30,000 per incident for bodily injury liability
- $10,000 per incident for property damage
It’s recommended that most drivers carry more than the state minimum.
What affects auto insurance rates in Gilbert, AZ?
Gilbert is the 7th largest city in Arizona and about a 30 min drive from Tempe and about 20 min from Phoenix. Let’s take a look at how Gilbert auto insurance rates compare to other cities in Arizona.
- Phoenix, AZ— $4,801 (most expensive)
- Tempe, AZ— $4,203
- Gilbert, AZ — $4,123
- Desert Hills, AZ— $2,896 (cheapest)
INRIX doesn’t rank Gilbert or Tempe but does rank Phoenix. INRIX ranks Phoenix as the 33rd most congested city in the U.S. Gilbert is east of Tempe and Phoenix, so traffic heading to a larger city can affect auto insurance rates.
City-Data reports an average commute time for Gilbert is 26.1 minutes.
Car theft in Gilbert also affects rates. The FBI’s most recent annual statistics report 135 auto thefts in a city population of 242,090. That’s a rate of 56 cars stolen per 100,000 population.
Gilbert, AZ auto Insurance: The Bottom Line
Gilbert has slightly above-average auto insurance rates compared to other cities of its size in Arizona, but you can still save by shopping around and comparing.
Before you buy auto insurance in Gilbert, AZ, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get affordable Gilbert, AZ auto insurance quotes.