Cheapest Car Insurance Quotes in Gila Bend

Finding the cheapest car insurance quotes in Gila Bend shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Gila Bend Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Gila Bend

The car insurance rate in Gila Bend is $1026 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, making it a popular choice for budget-conscious drivers. Rates in Gila Bend can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Gila Bend

$1026

Avg. Car Insurance in Arizona

$933

National Average

$1140

Cheapest Car Insurance Companies in Gila Bend

1st place: Root Insurance Company

At $516 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $712 for six months, making it the third cheapest auto insurance company in Gila Bend.

Gila Bend Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gila Bend, AZ is Root Insurance Company, offering policies at just $516 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $680.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1196 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gila Bend drivers find the best deals.

Cheap Car Insurance Companies in Gila Bend, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$516	$86
Auto-Owners Insurance Co	$680	$116
Farmers	$712	$119
Mercury	$732	$124
Hartford	$765	$128
Iowa Farm Bureau	$771	$131
Travelers	$817	$138
State Farm	$1026	$173
Progressive	$1058	$178
USAA	$1065	$179
Auto-Owners	$1144	$193
Allstate	$1229	$207
The Hartford	$1464	$244
CSAA	$2222	$377
Nationwide	$1196	$199

Key Takeaways

Way's key takeaways about car insurance in Gila Bend

The auto insurance costs in Gila Bend fall around $516 for six months.
The cheapest auto insurance company in Gila Bend is Mercury.
Teen drivers pay the highest rate in Gila Bend at $967 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Gila Bend

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Gila Bend are given below.

Mercury provides the cheapest minimum car insurance coverage in Gila Bend. Their Average 6 Month Premium is $262. Allstate is the most expensive at $458 for the same period.

Cheapest Liability Coverage in Gila Bend, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$262	$44
Travelers	$307	$52
Auto-Owners	$333	$56
Auto-Owners Insurance Co	$340	$58
Country Financial	$347	$57
USAA	$347	$58
Root Insurance Company	$353	$58
Farmers	$373	$64
Progressive	$380	$64
Iowa Farm Bureau	$392	$67
State Farm	$398	$67
Allstate	$458	$77

Cheapest Full Coverage Car Insurance in Gila Bend

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Gila Bend is Root Insurance Company at $86 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gila Bend, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$516	$86
Auto-Owners Insurance Co	$680	$116
Farmers	$712	$119
Mercury	$732	$124
Hartford	$765	$128
Iowa Farm Bureau	$771	$131
Travelers	$817	$138
State Farm	$1026	$173
Progressive	$1058	$178
USAA	$1065	$179
Auto-Owners	$1144	$193
Allstate	$1229	$207
The Hartford	$1464	$244
CSAA	$2222	$377
Nationwide	$1196	$199

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Gila Bend Instantly!

Average Car Insurance in Gila Bend by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Gila Bend, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Gila Bend, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Gila Bend's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gila Bend

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	USAA	$593
40s	USAA	$540
50s	USAA	$512
60s	USAA	$526
70s	USAA	$622

Cheapest Car Insurance Rates for Teen Drivers in Gila Bend,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Gila Bend at $53 per month. At $5803 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$314	$53
Travelers	$314	$53
Root Insurance Company	$360	$62
Progressive	$373	$62
USAA	$380	$65
Country Financial	$405	$67
State Farm	$405	$68
Allstate	$458	$77
Farmers	$458	$78
Auto-Owners Insurance Co	$464	$77
Iowa Farm Bureau	$484	$83
Auto-Owners	$2745	$458
CSAA	$5803	$967

Teen Car Insurance Rates in AZ by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Gila Bend.

As young drivers face the highest rates in Gila Bend, USAA offers the cheapest auto insurance rates at $593 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Gila Bend, Mercury is the cheapest car insurance provider. At $300 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Gila Bend is Hartford, offering rates of around $718 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$300	$51
Travelers	$380	$65
Root Insurance Company	$451	$75
Progressive	$458	$78
Country Financial	$484	$80
Farmers	$542	$92
Nationwide	$556	$92
Allstate	$620	$106
Iowa Farm Bureau	$706	$118
Hartford	$718	$122

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Gila Bend.

Car Insurance Rates with An Accident in Gila Bend

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Gila Bend, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gila Bend

The cheapest car insurance companies after an at-fault accident in Gila Bend include Root Insurance Company and Country Financial, offering $444 and $451, respectively. CSAA is an expensive provider with an average six-month premium of $3607.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$444	$74
Country Financial	$451	$77
Auto-Owners Insurance Co	$529	$88
Travelers	$529	$89
State Farm	$706	$119
Noblr	$745	$127
Root	$811	$135
USAA	$856	$144
General Casualty	$1013	$168
Progressive	$1020	$172
Auto-Owners	$1451	$242
Farmers	$1496	$252
Mercury	$1555	$262
Allstate	$1587	$267
Farm Bureau Mutual (IA Group)	$1607	$268
Metromile	$1829	$311
General Agents Group	$2058	$343
Country	$2176	$370
The Hartford	$2307	$384
Encompass	$2365	$403
Nationwide	$2542	$424
Safeway	$2894	$492
Permanent General	$3130	$521
MetLife	$3567	$606
CSAA	$3607	$601

Gila Bend Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gila Bend AZ. For example, the car insurance in Gila Bend after a DUI increases to $1327 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Gila Bend auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1287	$215
One Med/PIP claim	$1287	$219
Not-at-fault accident	$1294	$216
One comp claim	$1346	$229
Two Med/PIP claims	$1346	$224
Two comp claims	$1398	$238
Failure to wear a seat belt	$1471	$245
Child safety restraint	$1529	$260
Driving without lights	$1529	$255
Failure to show documents	$1529	$260
Speeding 6 - 10 MPH over limit	$1555	$260
Driving too slowly	$1614	$274
Speeding 11 - 15 MPH over limit	$1614	$270
Speeding in school zone	$1614	$274
Driving with expired registration	$1627	$272
Speeding 16 - 20 MPH over limit	$1627	$276
Cell phone violation	$1634	$273
Failure to stop at a red light	$1634	$278
Failure to yield	$1634	$273
Following too closely	$1634	$278
Illegal turn	$1634	$273
Texting while driving	$1634	$278
Wrong way/wrong lane	$1634	$273
Improper passing	$1660	$283
Speeding 21 - 25 MPH over limit	$1680	$279
In 65 MPH zone	$1705	$290
Passing school bus	$1725	$287
At-fault accident - less than $1000	$1771	$301
Operating a vehicle without permission	$1862	$310
At-fault accident - $1000-$2000	$1914	$326
At-fault accident - greater than $2000	$1940	$323
Open container	$2038	$347
Reckless driving	$2261	$377
Driving with a suspended license	$2333	$397
DUI	$2614	$436
Refusal to submit to a chemical test	$2614	$444
Racing	$2672	$446
Leaving scene of an accident/hit and run	$2685	$457

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Gila Bend after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Gila Bend.

The cheapest car insurance premiums in Gila Bend are offered by Mercury at $347 for a six-month policy. However, it can be as expensive as $1967 with companies like Nationwide.

Gila Bend car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$347	$59
Root Insurance Company	$392	$65
Country Financial	$491	$84
Travelers	$601	$101
Progressive	$607	$102
Hartford	$614	$102
State Farm	$647	$109
Farmers	$987	$166
USAA	$1313	$221
Allstate	$1947	$325
Nationwide	$1967	$334

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Gila Bend are offered by AutoOwners Insurance Co at $340. However, it can be as expensive as $458 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Gila Bend after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$340	$58
State Farm	$347	$57
Travelers	$347	$59
Mercury	$373	$62
Progressive	$398	$68
Country Financial	$405	$67
Root Insurance Company	$444	$76
Farmers	$458	$76

Car Insurance Price Trends in Gila Bend, Arizona

Car insurance rates in Gila Bend have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Gila Bend rose by $133 in December compared to $130 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Gila Bend rose to $59 in December, compared to $57 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Gila Bend?

The car insurance in Gila Bend is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Gila Bend?

The cheapest car insurance in Gila Bend is $86 per month for full coverage.

How much is car insurance in Gila Bend for teenagers?

Car insurance for teenagers costs $314 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Gila Bend?

The average cost of car insurance is $933 for a six-month policy. It will cost around $173 per month to insure your car in Gila Bend.

Is car insurance expensive in Gila Bend?

Car insurance can be expensive in Gila Bend if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Gila Bend can be affordable.

What is the best car insurance in Gila Bend, AZ?

The best car insurance company in Gila Bend AZ is Root Insurance Company, offering $516 for a six-month policy.