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How much is car insurance in Gilbert?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of Arizona are about $11 a month cheaper than the rates drivers pay in Gilbert.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Gilbert is rather affordable. The average monthly payment for the U.S. as a whole is about $8 more expensive than in Gilbert.
These rates may be the average amount Gilbert residents pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
But don't worry, we've broken down the average rate for Gilbert residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Gilbert may see their rates creep back up once they hit retirement.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Gilbert, although women do pay slightly less on their monthly insurance rates, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Gilbert, a driving record with a single accident will usually get you a rate around $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$57|
|15 Years or Older||$77|
If you look at the first table above, the cheapest vehicles to insure in Gilbert are by and large SUVs, at $54 per month.
Car owners, on the other hand, typically pay around $76 a month, while truck and van drivers can expect to pay about $75 per month for car insurance.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Gilbert, vehicles fifteen years and older and eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$79|
Generally speaking, those who are currently married will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Gilbert is about $28 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$113|
Another factor that comes into play is your living situation. Drivers who own property in Gilbert can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Gilbert, AZ
Recent trends in car insurance for Gilbert drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
The cost of auto insurance coverage in Gilbert had been increasing from 2016-2017, before leveling out in 2018. Rates finished up in 2021, at $79 a month
How does Gilbert compare to neighboring areas?
Why are car insurance rates in Gilbert different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Number of car accidents
- Total number of drivers
- Prevalence of crime
- Off-street parking access
- Area regulations
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Gilbert?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Just punch in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer auto coverage in Gilbert in no time.
Gilbert Insurance FAQs
What factors affect car insurance quotes in Gilbert?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Gilbert different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Gilbert?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Gilbert?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Gilbert or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.