Car Insurance in Gilbert
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Car Insurance in Gilbert, AZ
Gilbert is one of the fastest-growing cities in Arizona, located in Maricopa County with more than 280,000 residents. Known for its family-friendly communities, schools, and safe neighborhoods, Gilbert also has well-traveled roads like Loop 202, Val Vista Drive, and Gilbert Road. Whether you’re commuting to Phoenix, taking the kids to school, or running errands, car insurance in Gilbert is required by law and helps protect your finances.
Arizona is a fault-based car insurance state, which means if you’re at fault in an accident, your insurance will pay for the damages. In a growing city like Gilbert—with rising traffic, more young drivers, and seasonal weather like monsoons—it’s important to have solid car insurance coverage.
The average cost of full coverage car insurance in Gilbert is around $1,890 per year, slightly above the national average of $1,674 but lower than neighboring cities like Scottsdale and Phoenix.
Minimum Car Insurance Requirements in Gilbert, AZ
To legally drive in Gilbert or anywhere in Arizona, you must have minimum liability coverage.
Arizona Minimum Liability Insurance Includes:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
This coverage only pays for injuries or damages you cause to other people. It does not cover your own car or your medical bills.
Recommended Additional Coverage in Gilbert
Many drivers in Gilbert choose more than the minimum coverage to avoid large out-of-pocket costs.
| Coverage Type | What It Covers | Why It’s Useful in Gilbert |
|---|---|---|
| Collision Coverage | Repairs your car after a crash | Good for newer or financed vehicles |
| Comprehensive Coverage | Theft, weather damage, vandalism, fire | Recommended due to weather and theft |
| Uninsured Motorist | Medical bills if hit by an uninsured driver | Helps in Arizona, which has high UM rates |
| Medical Payments (MedPay) | Covers medical expenses after an accident | Useful if you don’t have health insurance |
Penalties for Driving Without Insurance in Gilbert
If you’re caught driving without car insurance in Gilbert, you can face:
- First Offense: $500 fine, license and registration suspension
- Second Offense: $750 fine, possible SR-22 requirement
- Third Offense: $1,000+ fine, 1-year license suspension
You may also need to file an SR-22 to prove you’re carrying valid coverage.
Average Car Insurance Cost in Gilbert, AZ
| Coverage Type | Average Yearly Premium |
|---|---|
| Minimum Liability | $700 |
| Full Coverage | $1,890 |
Average by Age Group
| Age Group | Full Coverage Cost (Avg.) |
|---|---|
| 16–20 | $5,000+ |
| 21–25 | $2,600 |
| 26–35 | $2,050 |
| 36–50 | $1,850 |
| 51+ | $1,650 |
Gilbert vs. Other Arizona Cities – Insurance Cost Comparison
| City | Minimum Coverage | Full Coverage |
|---|---|---|
| Phoenix | $750 | $2,000 |
| Tucson | $700 | $1,850 |
| Mesa | $720 | $1,900 |
| Chandler | $710 | $1,870 |
| Scottsdale | $780 | $2,100 |
| Glendale | $740 | $1,950 |
| Tempe | $730 | $1,960 |
| Peoria | $720 | $1,920 |
| Surprise | $695 | $1,880 |
| Gilbert | $700 | $1,890 |
Gilbert’s insurance rates are fairly average for Arizona and more affordable than nearby Scottsdale or Phoenix.
Best Car Insurance Companies in Gilbert
These companies offer affordable coverage and quality service in Glendale:
| Insurance Company | Known For | Avg. Full Coverage Rate |
|---|---|---|
| GEICO | Budget-friendly pricing | $1,800 |
| State Farm | Personalized customer service | $1,880 |
| Progressive | Flexible options, high-risk drivers | $2,000 |
| Allstate | Full-featured coverage plans | $2,100 |
| Root Insurance | App-based, usage-based pricing | Varies |
We recommend comparing quotes from at least three companies before choosing your policy.
What Affects Your Car Insurance Rate in Gilbert?
Car insurance companies use many personal and geographic factors to calculate your rate:
- Driving Record: Clean record = lower rates; tickets = higher costs
- Age and Gender: Younger and male drivers usually pay more
- Credit Score: Good credit may qualify you for lower premiums
- Vehicle Type: Newer and expensive cars cost more to insure
- ZIP Code: Higher-theft or accident areas may increase your rates
- Mileage: Driving more miles increases risk
- Coverage Limits: More coverage = higher premium
- Marital Status: Married drivers often get better rates
Neighborhoods near busy roads or shopping areas may have higher insurance costs due to more traffic.
Tips to Save Money on Car Insurance in Gilbert
1. Use Available Discounts
- Safe Driver Discount – No accidents or tickets
- Good Student Discount – For high school/college students with good grades
- Multi-Policy Discount – Bundle auto and home insurance
- Low Mileage Discount – Drive less than 7,500 miles per year
- Defensive Driving Course – Complete one to qualify for discounts
2. Increase Your Deductible
If you raise your deductible from $500 to $1,000, your premium may drop by 10–20%.
3. Shop Around Often
Compare quotes from multiple insurers every 6–12 months to ensure you get the best rate.
Get a Free Car Insurance Quote in Gilbert Today!
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Start saving today! Click below to get your FREE car insurance quote in Gilbert from AtoZ Insurances now.
Frequently Asked Questions (FAQs)
Arizona law requires 25/50/15 liability coverage.
Full coverage costs about $1,890 per year, on average.
No. It’s illegal and can lead to fines, license suspension, and more.
GEICO and State Farm often offer the most affordable options.
Arizona does not offer a specific program, but discounts and comparison shopping can help you save.
About the Author
Alex Huber is a content writer for Atoz Insurances and he is a very experienced and well-rounded freelance content writer who specializes in the insurance and finance niches. His writing is engaging and informative, and he has a strong understanding of the industries he writes about.
