Buy Cheap Gilbert, IA Auto Insurance (2021)

Gilbert, IA auto insurance rates average $236 a month. Minimum auto insurance requirements in Gilbert, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Gilbert, IA, compare Gilbert auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Gilbert, IA are $236/month
  • Average auto insurance rates in Gilbert, IA after a DUI are $3,412/year
  • The most expensive auto insurance company in Gilbert after a DUI is Travelers

Finding affordable Gilbert, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Gilbert, IA auto insurance with confidence is right here. Auto insurance rates in Gilbert are affected by local factors as well as personal ones like your driving record.

See how Gilbert, IA car insurance rates compare to Ames auto insurance rates, Iowa City auto insurance rates, and Council Bluffs auto insurance rates before you read more about the cost of auto insurance in Gilbert.

Don’t buy Gilbert, IA auto insurance until you’ve compared rates. Get free Gilbert, Iowa auto insurance quotes when you enter your ZIP code above.

Gilbert, IA Minimum Auto Insurance Requirements

The required auto insurance in Gilbert, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Gilbert, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Gilbert, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Gilbert, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Gilbert, IA. Take a look at Gilbert, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Gilbert, Iowa

Insurance Company Poor Fair Good
Allstate $3,176 $2,527 $2,276
American Family $3,252 $2,392 $2,019
Farmers $2,880 $2,389 $2,262
GEICO $2,814 $2,341 $1,868
Liberty Mutual $6,043 $3,758 $2,953
Nationwide $3,002 $2,362 $2,065
Progressive $2,599 $2,130 $1,941
State Farm $2,857 $1,768 $1,395
Travelers $6,392 $5,479 $5,227
USAA $2,067 $1,429 $1,241

Buy Cheap Gilbert, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Gilbert, Iowa auto insurance rates? Find out how car insurance rates in Gilbert, IA are impacted by demographics.

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

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 $1,762 $1,691 $1,568 $1,596 $5,068 $5,708 $1,914 $1,970
American Family $1,635 $1,635 $1,469 $1,469 $4,450 $6,179 $1,635 $1,962
Farmers $1,546 $1,575 $1,383 $1,513 $4,711 $5,019 $2,094 $2,240
GEICO $1,912 $1,712 $1,710 $1,564 $4,328 $4,022 $1,808 $1,672
Liberty Mutual $1,968 $2,127 $1,738 $2,107 $10,072 $11,316 $2,230 $2,454
Nationwide $1,703 $1,744 $1,520 $1,617 $4,017 $5,168 $1,939 $2,102
Progressive $1,505 $1,430 $1,244 $1,293 $4,018 $4,521 $1,809 $1,965
State Farm $1,243 $1,243 $1,113 $1,113 $3,686 $4,629 $1,404 $1,622
Travelers $2,500 $2,546 $2,460 $2,459 $11,569 $18,396 $2,618 $3,048
USAA $1,056 $1,063 $976 $988 $2,873 $3,036 $1,258 $1,383

Buy Cheap Gilbert, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Gilbert can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Gilbert, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Gilbert, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,068 $5,708
American Family $4,450 $6,179
Farmers $4,711 $5,019
GEICO $4,328 $4,022
Liberty Mutual $10,072 $11,316
Nationwide $4,017 $5,168
Progressive $4,018 $4,521
State Farm $3,686 $4,629
Travelers $11,569 $18,396
USAA $2,873 $3,036

Buy Cheap Gilbert, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Gilbert, Iowa by comparing Gilbert senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Gilbert, IA here.

Annual Auto Insurance Rates for Senior Drivers in Gilbert, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,568 $1,596
American Family $1,469 $1,469
Farmers $1,383 $1,513
GEICO $1,710 $1,564
Liberty Mutual $1,738 $2,107
Nationwide $1,520 $1,617
Progressive $1,244 $1,293
State Farm $1,113 $1,113
Travelers $2,460 $2,459
USAA $976 $988

Find Cheap Auto Insurance Rates in Gilbert, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Gilbert, Iowa auto insurance. Compare Gilbert, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Gilbert, Iowa

Insurance Company Low Medium High
Allstate $2,566 $2,663 $2,750
American Family $2,550 $2,697 $2,416
Farmers $2,401 $2,518 $2,611
GEICO $2,225 $2,341 $2,457
Liberty Mutual $4,089 $4,247 $4,419
Nationwide $2,582 $2,466 $2,381
Progressive $2,083 $2,233 $2,353
State Farm $1,894 $2,020 $2,106
Travelers $5,378 $5,784 $5,937
USAA $1,486 $1,585 $1,667

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Find Cheap Gilbert, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Gilbert. Compare auto insurance rates in Gilbert, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Gilbert, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,597 $2,722
American Family $2,525 $2,584
Farmers $2,510 $2,510
GEICO $2,294 $2,387
Liberty Mutual $4,252 $4,252
Nationwide $2,476 $2,476
Progressive $2,223 $2,223
State Farm $1,959 $2,055
Travelers $5,699 $5,699
USAA $1,522 $1,636

Find Cheap Gilbert, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Gilbert, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Gilbert, IA, take a look at the average cost for various violations versus rates for a clean driving record in Gilbert.

Annual Gilbert, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,262 $2,735 $3,113 $2,529
American Family $1,841 $2,719 $3,495 $2,162
Farmers $2,137 $2,655 $2,697 $2,551
GEICO $1,776 $2,476 $3,206 $1,905
Liberty Mutual $3,669 $4,552 $4,623 $4,162
Nationwide $1,802 $2,574 $3,495 $2,034
Progressive $1,778 $2,960 $1,932 $2,223
State Farm $1,836 $2,177 $2,007 $2,007
Travelers $4,127 $5,552 $7,447 $5,671
USAA $1,206 $1,622 $2,104 $1,384

Find Cheap Gilbert, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Gilbert, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Gilbert for less when you shop around and compare rates from multiple Gilbert, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Gilbert, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,113
American Family $3,495
Farmers $2,697
GEICO $3,206
Liberty Mutual $4,623
Nationwide $3,495
Progressive $1,932
State Farm $2,007
Travelers $7,447
USAA $2,104

Winners by Category: Where to Buy Cheap Auto Insurance in Gilbert, IA

Compare rates from the cheapest auto insurance companies in Gilbert, IA for your needs. Take a look at how Gilbert, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Gilbert, Iowa

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

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Find Cheap Gilbert, Iowa Auto Insurance Companies

If you’re looking for the cheapest Gilbert, IA auto insurance companies overall, you can compare them here. Find the best price for Gilbert, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Gilbert, Iowa

Insurance Company Average Annual Rates
Allstate $2,660
American Family $2,554
Farmers $2,510
GEICO $2,341
Liberty Mutual $4,252
Nationwide $2,476
Progressive $2,223
State Farm $2,007
Travelers $5,699
USAA $1,579

What affects Gilbert, Iowa auto insurance rates?

Local factors affect auto insurance rates in Gilbert, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Gilbert auto insurance rates.

Commute Times in Gilbert

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Gilbert, IA is 20.0 minutes according to City-Data.

Compare Auto Insurance Quotes in Gilbert, IA

You can buy cheap Gilbert, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Gilbert, Iowa auto insurance quotes from top companies.

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