Cheapest Car Insurance Quotes in Gilbert

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406,175 Policies Sold

Gilbert Car Insurance

^$ 15

/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 $657 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $320, 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

$657

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Gilbert

1st place: West Bend Mutual

At $320 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $362 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $383 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, IA is West Bend Mutual, offering policies at just $320 for a six-month term. This is followed by Grange, which has an average six-month premium of $362.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1044 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, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$320	$53
Grange	$362	$62
Travelers	$383	$64
Auto-Owners Insurance Co	$388	$66
Hastings Mutual	$398	$66
Westfield	$424	$72
IMT Insurance Company	$439	$73
American Family	$465	$78
State Farm	$573	$97
Pekin	$584	$99
Progressive	$589	$99
USAA	$594	$100
West Bend	$677	$113
Farm Bureau Mutual (IA Group)	$719	$122
IMT	$775	$130
Auto-Owners	$879	$150
Farm Bureau	$992	$165
Allstate	$1241	$209
Nationwide	$1302	$217
Grinnell Mutual	$1044	$174

Key Takeaways

Way's key takeaways about car insurance in Gilbert

The auto insurance costs in Gilbert fall around $320 for six months.
The cheapest auto insurance company in Gilbert is Pekin.
Teen drivers pay the highest rate in Gilbert at $399 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.

Pekin provides the cheapest minimum car insurance coverage in Gilbert. Their Average 6 Month Premium is $88. Grinnell Mutual is the most expensive at $232 for the same period.

Cheapest Liability Coverage in Gilbert, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$88	$15
Westfield	$93	$16
Hastings Mutual	$98	$17
Progressive	$98	$17
West Bend Mutual	$104	$17
Grange	$114	$19
USAA	$119	$20
Farm Bureau Mutual (IA Group)	$124	$21
Auto-Owners Insurance Co	$130	$22
State Farm	$130	$22
Iowa Farm Bureau	$139	$23
IMT	$144	$24
Travelers	$144	$24
Farm Bureau	$165	$28
West Bend	$165	$28
American Family	$171	$29
Auto-Owners	$181	$30
Allstate	$341	$57
Nationwide	$408	$70
Grinnell Mutual	$232	$39

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 West Bend Mutual at $53 per month and $320 for six months.

Cheapest Full Coverage Car Insurance Quotes in Gilbert, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$320	$53
Grange	$362	$62
Travelers	$383	$64
Auto-Owners Insurance Co	$388	$66
Hastings Mutual	$398	$66
Westfield	$424	$72
IMT Insurance Company	$439	$73
American Family	$465	$78
State Farm	$573	$97
Pekin	$584	$99
Progressive	$589	$99
USAA	$594	$100
West Bend	$677	$113
Farm Bureau Mutual (IA Group)	$719	$122
IMT	$775	$130
Auto-Owners	$879	$150
Farm Bureau	$992	$165
Allstate	$1241	$209
Nationwide	$1302	$217
Grinnell Mutual	$1044	$174

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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, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Gilbert, Iowa, may be increasing due to several external factors. Iowa 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,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Gilbert at $19 per month. At $2346 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
Grange	$130	$22
West Bend Mutual	$139	$23
Iowa Farm Bureau	$160	$27
Travelers	$543	$91
American Family	$770	$130
USAA	$972	$164
Progressive	$1158	$195
State Farm	$1359	$229
IMT	$1406	$234
Farm Bureau Mutual (IA Group)	$1938	$330
West Bend	$2078	$346
Farm Bureau	$2118	$360
Auto-Owners	$2192	$365
Allstate	$2651	$446
Nationwide	$4129	$688
Grinnell Mutual	$2346	$399

Teen Car Insurance Rates in IA 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, Grange is the cheapest car insurance provider. At $150 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 Grinnell Mutual, offering rates of around $1835 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$150	$25
Westfield	$181	$30
West Bend Mutual	$186	$31
Travelers	$202	$34
American Family	$207	$35
Progressive	$573	$97
IMT	$1028	$171
USAA	$1095	$186
West Bend	$1204	$201
Farm Bureau	$1710	$291
State Farm	$1788	$301
Nationwide	$1855	$316
Allstate	$1948	$325
Auto-Owners	$2253	$383
Grinnell Mutual	$1835	$312

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

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, IA, 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 Hastings Mutual and Pekin, offering $98 and $119, respectively. Nationwide is an expensive provider with an average six-month premium of $2098.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$98	$17
Pekin	$119	$20
Western National	$155	$26
Westfield	$155	$26
Grange	$176	$30
Auto-Owners Insurance Co	$181	$30
West Bend Mutual	$181	$30
Grinnell Mutual	$191	$32
Travelers	$388	$65
State Farm	$434	$73
American Family	$496	$84
Progressive	$594	$100
USAA	$847	$143
Farm Bureau Mutual (IA Group)	$1060	$180
Auto-Owners	$1137	$190
West Bend	$1137	$193
IMT	$1215	$203
Farm Bureau	$1612	$274
Allstate	$1710	$288
Nationwide	$2098	$357

Gilbert Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Gilbert IA. For example, the car insurance in Gilbert after a DUI increases to $620 for a six month policy. While the rate increases by $88 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	$729	$122
One Med/PIP claim	$739	$125
Not-at-fault accident	$760	$127
One comp claim	$780	$133
Two Med/PIP claims	$801	$133
Child safety restraint	$817	$139
Failure to show documents	$817	$136
Failure to wear a seat belt	$817	$139
Speeding 6 - 10 MPH over limit	$817	$136
Two comp claims	$817	$139
Driving without lights	$821	$137
Driving with expired registration	$842	$144
Failure to yield	$842	$140
Illegal turn	$842	$144
Failure to stop at a red light	$847	$141
Wrong way/wrong lane	$853	$145
Cell phone violation	$858	$143
Driving too slowly	$858	$146
Speeding 11 - 15 MPH over limit	$858	$143
Texting while driving	$858	$146
Speeding 16 - 20 MPH over limit	$863	$144
Speeding in school zone	$873	$149
Improper passing	$879	$146
Following too closely	$884	$151
At-fault accident - less than $1000	$900	$150
Passing school bus	$914	$156
Operating a vehicle without permission	$961	$160
At-fault accident - $1000-$2000	$977	$166
Speeding 21 - 25 MPH over limit	$977	$163
At-fault accident - greater than $2000	$982	$167
In 65 MPH zone	$1049	$175
Open container	$1106	$188
Racing	$1246	$208
Driving with a suspended license	$1271	$216
Reckless driving	$1302	$217
Refusal to submit to a chemical test	$1323	$225
DUI	$1349	$224
Leaving scene of an accident/hit and run	$1364	$232

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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 American Family at $150 for a six-month policy. However, it can be as expensive as $2021 with companies like Grinnell Mutual.

Gilbert car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$150	$25
Western National	$155	$26
Grange	$202	$34
Travelers	$202	$34
West Bend Mutual	$202	$34
Progressive	$559	$94
IMT	$1028	$171
USAA	$1095	$186
West Bend	$1204	$201
Farm Bureau	$1710	$291
State Farm	$1721	$290
Nationwide	$1855	$316
Allstate	$1948	$325
Auto-Owners	$2253	$383
Grinnell Mutual	$2021	$344

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 Westfield at $114. However, it can be as expensive as $1044 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Gilbert after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$114	$19
West Bend Mutual	$134	$23
American Family	$150	$25
Western National	$155	$26
Iowa Farm Bureau	$171	$29
Travelers	$171	$29
Grange	$176	$30
State Farm	$408	$69
Progressive	$512	$86
USAA	$791	$131
IMT	$1080	$184
Farm Bureau	$1215	$203
West Bend	$1364	$232
Allstate	$1426	$238
Auto-Owners	$1494	$254
Nationwide	$1643	$274
Grinnell Mutual	$1044	$177

Car Insurance Price Trends in Gilbert, Iowa

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 $134 in January compared to $122 of December. In other words, there has been an increase by $12 when you compare January and December.

The average cost of liability insurance in the Gilbert remained steady at $25 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Gilbert?

The car insurance in Gilbert is $15 per month, which is lower than the national average.

What is the cheapest car insurance in Gilbert?

The cheapest car insurance in Gilbert is $53 per month for full coverage.

How much is car insurance in Gilbert for teenagers?

Car insurance for teenagers costs $114 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 $755 for a six-month policy. It will cost around $110 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.

Cheapest Car Insurance Quotes in Gilbert

Why you can trust Way?

How Much Is Car Insurance in Gilbert

Avg. Car Insurance in Gilbert

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Gilbert

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Gilbert Car Insurance Rates by Company

Cheap Car Insurance Companies in Gilbert, IA

Way's key takeaways about car insurance in Gilbert

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Gilbert

Cheapest Liability Coverage in Gilbert, IA

Cheapest Full Coverage Car Insurance in Gilbert

Cheapest Full Coverage Car Insurance Quotes in Gilbert, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Gilbert by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Gilbert, IA increasing?

Car Insurance Premiums by Age in Gilbert

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Gilbert,IA

If you are in your twenties N/A is the best choice for car insurance in Gilbert.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Gilbert

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

Gilbert Car Insurance Rates by Violation

Gilbert auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Gilbert after a DUI

Gilbert car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Gilbert after Speeding ticket

Car Insurance Price Trends in Gilbert, Iowa

Average Car Insurance Cost in Gilbert by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Gilbert, IA

Car Insurance Rates by State in the USA (2025 Update)

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