Cheapest Car Insurance Quotes in Gilbert

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406,175 Policies Sold

Gilbert Car Insurance

^$ 46

/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 Gilbert

The car insurance rate in Gilbert is $1180 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Gilbert 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 Gilbert

$1180

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Gilbert

1st place: Root Insurance Company

At $544 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 $717 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $751 for six months, making it the third cheapest auto insurance company in Gilbert.

Gilbert Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Gilbert, AZ is Root Insurance Company, offering policies at just $544 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $717.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1261 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Gilbert drivers find the best deals.

Cheap Car Insurance Companies in Gilbert, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$544	$93
Auto-Owners Insurance Co	$717	$119
Farmers	$751	$128
Mercury	$771	$129
Hartford	$806	$137
Iowa Farm Bureau	$813	$136
Travelers	$958	$161
USAA	$1123	$189
Progressive	$1137	$191
State Farm	$1158	$195
Auto-Owners	$1303	$219
Farm Bureau	$1688	$282
Allstate	$1757	$296
The Hartford	$1757	$296
CSAA	$2343	$398
Nationwide	$1261	$210

Key Takeaways

Way's key takeaways about car insurance in Gilbert

The auto insurance costs in Gilbert fall around $544 for six months.
The cheapest auto insurance company in Gilbert is Mercury.
Teen drivers pay the highest rate in Gilbert at $1020 per month.

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Cheapest Minimum Liability Car Insurance in Gilbert

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 Gilbert are given below.

Mercury provides the cheapest minimum car insurance coverage in Gilbert. Their Average 6 Month Premium is $276. The Hartford is the most expensive at $710 for the same period.

Cheapest Liability Coverage in Gilbert, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$276	$46
Auto-Owners Insurance Co	$358	$61
Travelers	$358	$60
Country Financial	$365	$63
Root Insurance Company	$372	$61
USAA	$379	$64
Farmers	$393	$65
Auto-Owners	$413	$70
Iowa Farm Bureau	$413	$68
State Farm	$455	$77
Progressive	$469	$79
Allstate	$593	$100
Farm Bureau	$640	$107
The Hartford	$710	$121

Cheapest Full Coverage Car Insurance in Gilbert

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 Gilbert is Root Insurance Company at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gilbert, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$544	$93
Auto-Owners Insurance Co	$717	$119
Farmers	$751	$128
Mercury	$771	$129
Hartford	$806	$137
Iowa Farm Bureau	$813	$136
Travelers	$958	$161
USAA	$1123	$189
Progressive	$1137	$191
State Farm	$1158	$195
Auto-Owners	$1303	$219
Farm Bureau	$1688	$282
Allstate	$1757	$296
The Hartford	$1757	$296
CSAA	$2343	$398
Nationwide	$1261	$210

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Average Car Insurance in Gilbert 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 Gilbert, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Gilbert, 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, Gilbert's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Gilbert

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

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Cheapest Car Insurance Rates for Teen Drivers in Gilbert,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Gilbert at $56 per month. At $6119 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$331	$56
Root Insurance Company	$379	$65
Country Financial	$427	$71
Farmers	$483	$82
Auto-Owners Insurance Co	$490	$81
Iowa Farm Bureau	$510	$87
Travelers	$1399	$235
USAA	$1654	$278
State Farm	$1723	$290
Progressive	$2674	$450
Allstate	$2852	$480
Farm Bureau	$4369	$742
Auto-Owners	$4403	$734
The Hartford	$5581	$949
CSAA	$6119	$1020

Teen Car Insurance Rates in AZ by Age

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 Gilbert, Mercury is the cheapest car insurance provider. At $317 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 Gilbert is State Farm, offering rates of around $7952 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$317	$53
Root Insurance Company	$476	$81
Country Financial	$510	$85
Farmers	$572	$97
Nationwide	$586	$97
Iowa Farm Bureau	$745	$126
Hartford	$757	$126
Progressive	$1199	$202
Travelers	$1226	$206
Allstate	$2260	$380
USAA	$2267	$378
Farm Bureau	$2915	$495
The Hartford	$3604	$601
Auto-Owners	$4334	$737
State Farm	$7952	$1325

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Car Insurance Rates with An Accident in Gilbert

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 Gilbert, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Gilbert

The cheapest car insurance companies after an at-fault accident in Gilbert include Root Insurance Company and Country Financial, offering $469 and $476, respectively. CSAA is an expensive provider with an average six-month premium of $3804.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$469	$78
Country Financial	$476	$81
Auto-Owners Insurance Co	$558	$93
Noblr	$785	$133
Travelers	$820	$138
Root	$855	$145
State Farm	$875	$147
General Casualty	$1068	$182
USAA	$1095	$184
Progressive	$1254	$211
Farmers	$1578	$266
Mercury	$1640	$276
Farm Bureau Mutual (IA Group)	$1695	$283
Auto-Owners	$1826	$307
Metromile	$1929	$321
General Agents Group	$2170	$369
Country	$2294	$383
Encompass	$2494	$425
Allstate	$2522	$425
Nationwide	$2681	$456
The Hartford	$2728	$459
Safeway	$3052	$519
Farm Bureau	$3225	$537
Permanent General	$3300	$561
MetLife	$3762	$628
CSAA	$3804	$647

Gilbert Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gilbert AZ. For example, the car insurance in Gilbert after a DUI increases to $1399 for a six month policy. While the rate increases by $283 for a six-month policy in the case of a speeding ticket.

Gilbert auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1357	$226
One Med/PIP claim	$1357	$231
Not-at-fault accident	$1364	$227
One comp claim	$1420	$241
Two Med/PIP claims	$1420	$237
Two comp claims	$1474	$251
Failure to wear a seat belt	$1551	$259
Child safety restraint	$1612	$274
Driving without lights	$1612	$269
Failure to show documents	$1612	$274
Speeding 6 - 10 MPH over limit	$1640	$274
Driving too slowly	$1702	$289
Speeding 11 - 15 MPH over limit	$1702	$284
Speeding in school zone	$1702	$289
Driving with expired registration	$1716	$287
Speeding 16 - 20 MPH over limit	$1716	$291
Cell phone violation	$1723	$288
Failure to stop at a red light	$1723	$293
Failure to yield	$1723	$288
Following too closely	$1723	$293
Illegal turn	$1723	$288
Texting while driving	$1723	$293
Wrong way/wrong lane	$1723	$288
Improper passing	$1750	$298
Speeding 21 - 25 MPH over limit	$1771	$295
In 65 MPH zone	$1798	$306
Passing school bus	$1819	$303
At-fault accident - less than $1000	$1868	$318
Operating a vehicle without permission	$1964	$327
At-fault accident - $1000-$2000	$2018	$343
At-fault accident - greater than $2000	$2046	$341
Open container	$2149	$365
Reckless driving	$2384	$398
Driving with a suspended license	$2460	$419
DUI	$2756	$459
Refusal to submit to a chemical test	$2756	$469
Racing	$2818	$470
Leaving scene of an accident/hit and run	$2832	$481

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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 Gilbert 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 Gilbert.

The cheapest car insurance premiums in Gilbert are offered by Mercury at $365 for a six-month policy. However, it can be as expensive as $4099 with companies like Farm Bureau.

Gilbert car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$365	$60
Root Insurance Company	$413	$71
Country Financial	$517	$86
Hartford	$647	$110
Progressive	$868	$146
Travelers	$965	$162
Farmers	$1041	$175
State Farm	$1186	$200
USAA	$1674	$282
Nationwide	$2074	$353
Auto-Owners	$2728	$455
The Hartford	$2997	$509
Allstate	$3176	$535
Farm Bureau	$4099	$697

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 Gilbert are offered by AutoOwners Insurance Co at $358. However, it can be as expensive as $3900 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Gilbert after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$358	$61
Mercury	$393	$65
Country Financial	$427	$73
Root Insurance Company	$469	$78
Farmers	$483	$82
State Farm	$930	$157
Travelers	$1034	$174
Progressive	$1041	$175
USAA	$1474	$251
Auto-Owners	$1509	$252
Farm Bureau	$2294	$390
The Hartford	$2611	$435
Allstate	$3900	$664

Car Insurance Price Trends in Gilbert, Arizona

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

The average cost of full coverage in the Gilbert rose by $244 in January compared to $140 of December. In other words, there has been an increase by $104 when you compare January and December.

The average cost of liability insurance in the Gilbert rose to $73 in January, compared to $63 in December. This represents an increase of $10 when comparing January and December.

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Average Car Insurance Cost in Gilbert by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Gilbert. At $1344 for a six-month policy, insuring your car at 85233 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
85233	$1344	$226
85298	$1333	$224
85234	$1415	$238
85295	$1403	$236
85297	$1333	$224
85296	$1392	$234

Frequently Asked Questions

How much is car insurance in Gilbert?

The car insurance in Gilbert is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Gilbert?

The cheapest car insurance in Gilbert is $93 per month for full coverage.

How much is car insurance in Gilbert for teenagers?

Car insurance for teenagers costs $331 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 Gilbert?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $198 per month to insure your car in Gilbert.

Is car insurance expensive in Gilbert?

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

What is the best car insurance in Gilbert, AZ?

The best car insurance company in Gilbert AZ is Root Insurance Company, offering $544 for a six-month policy.