Best Auto Insurance Rates in Gilbert, Arizona

On average your neighbors pay $70 a month.

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Gilbert, Arizona has a lot to offer residents and visitors, like scenery, festivals and a fast growing urban community. Two years in a row, Gilbert was named the second safest city in the US, and in 2014 ranked 22nd best place to live in the US. The residents in one of the best places to live in America should also have affordable insurance rates.

Average Gilbert Car Insurance Rates

How much is car insurance in Gilbert, AZ? Average car insurance rates in Gilbert are slightly lower than the national average. The average cost of auto insurance in Arizona is $843.92. The national average price is $889.01 per year.

Prices may vary depending on your limits, coverage (liability or comprehensive), and the total number of insurance claims filed in your zip code.

Arizona Average Annual Auto Insurance Rates
Coverage Rates
Liability $508.76
Collision $277.96
Comprehensive $186.12
Total Cost Per Year $843.92
Price Per Month $70.32
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year Arizona's rate data is available. According to the III, Arizona car insurance rates increased from $776 in 2011 to $844 in 2015, a jump of $67, or 8.67 percent.

Arizona average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Gilbert, Arizona and save up to 40% on your premium.

Last year, 3,953 people used QuoteWizard to compare auto insurance quotes in Gilbert, AZ from multiple companies to find the best rates.

Best Car Insurance Companies in Gilbert, AZ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Gilbert, Arizona last year.

Top 10 Vehicles

This is our list of the most common car makes and models owned by Gilbert, AZ drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Chevrolet C1500 Silverado
  4. Honda CR- EX
  5. Ford Mustang
  6. Toyota Camry LE/XLE/SE
  7. Chevrolet Impala LS
  8. Toyota Prius
  9. Jeep Grand Cherokee Laredo
  10. Nissan Altima 2.5 S
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Gilbert, AZ

Gilbert, Arizona has a minimum liability coverage requirement known as the 15/30/10 rule. This rule means drivers are required to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurer will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The total amount your insurer will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $10,000.
    The maximum amount your insurer will pay for property damage caused by a car accident.

The State of Arizona also allows residents the option of obtaining a certificate of deposit of $40,000 assigned to the Office of the Arizona State Treasurer.

Gilbert Drivers

Gilbert ranks 18th out of 200 cities for safe driving, according to a recent report published by Allstate Insurance. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 10.9 years.

Gilbert drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Major factors that can influence insurance rates are the weather, driving, and road conditions.

Weather

The weather in Gilbert is very hot in the summer, but comfortable the rest of the year. On average, Gilbert sees only 26 days with any measurable precipitation, usually totaling less than seven inches of rainfall annually. Gilbert can expect around 296 sunny days per year on average.

Road Conditions

According to a recent study by TRIP, 16% of the major streets in Arizona are in poor condition. This costs residents $1.5 billion a year in vehicle operating costs and repairs. This averages out to $318 per motorist.

Traffic Congestion

Though the Phoenix-Mesa metropolitan area is an extremely populous area, the amount of motorists on the road hasn’t affected traffic congestion. According to TomTom's annual traffic index report, Phoenix is ranks 46th for worst traffic congestion in the United States. Motorists here spend an extra 20 minutes per day and 77 hours per year stuck in traffic.

Construction on South Mountain Freeway an extension of Loop 202 connecting to I-10 should clear up some major congestion problems for motorists traveling between Phoenix, Chandler and Gilbert.

Moving Violations

Moving violations such as drunk driving, accidents, and speeding tickets can give you a bad driving record and raise your rates.

Traffic Tickets

The City of Gilbert Municipal Court website allows you to pay traffic citations, provides information on Defensive Driving Class, and offers information on traffic appeals.

The Gilbert Police Department made 49,061 traffic stops in 2014.  

DUI Arrests

Gilbert Police Department made 1,429 (adult and juvenile) arrests for suspicion of driving under the influence in 2014.

Car Accident Statistics

Gilbert Police recorded 2,989 motor vehicle crashes in 2016 resulting in 599 injuries. This is a small increase over the 2,835 car accidents reported in 2015.

Traffic Fatalities

Gilbert experienced eight fatal crashes in 2016 This was a bit better than the eleven fatalities in 2015. While all traffic deaths are tragedies, Gilbert has an estimated population of 237,133. This makes it a safe city in terms of traffic fatalities.

Drunk Driving Accidents and Fatalities

In 2016, Gilbert reported 92 car crashes in which alcohol was a factor. These DUI crashes caused 138 injuries and two fatalities.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Gilbert DUI insurance.

Vehicle Theft Rates

Gilbert reported 137 motor vehicles thefts. in 2016 This is a vehicle theft rate of .55 per 1,000 residents, much lower than the national average of 2.20 per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. These are some of the many auto insurance discounts available to drivers in Gilbert, AZ depending on your insurer. Find out which discounts you may qualify for with your current or multiple insurance companies for by getting a free quote.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling your policies and vehicles under one policy can save you up to 15% off your premium
  2. Drive less. Live close to work and get the low mileage discount
  3. Remove full comprehensive coverage from your policy
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  6. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  7. Have good credit. If your credit rating has recently improved, get a quote. You may find yourself paying a smaller premium
  8. Drivers 55 and older can qualify for the senior discount and the 55 and retired discount
  9. Enroll in a defensive driving course at an accredited driving safety school
  10. Shop around and compare affordable Gilbert car insurance quotes to discover all the discounts you qualify for

Sources:

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