The city of Gilbert, Arizona, has 237,484 residents and has an average of two cars per household. According to Allstate, it is considered one of the best cities in the United States for the safest drivers. The average cost of auto insurance in Gilbert is $ 651 per year for minimum insurance and $ 1,622 for full coverage. Despite the cautious drivers, car insurance rates in Gilbert are not the cheapest in the country.
Fortunately, there are ways to beat the average cost of coverage and find the cheapest auto insurance in Gilbert. Finding the right carrier is a good first step. To bring you the best car insurance in Gilbert, we’ve looked at Bankrate’s data on insurance company quotes, insurance policy offers, and customer ratings.
Best Car Insurance Companies in Gilbert
The following four carriers are the right combination of cheap auto insurance, customizable coverage, and a high level of customer service, according to the JD Power Auto Insurance Study based on policyholder responses. The following rates are well below the city average for full and minimum auto insurance.
|Insurance company||JD Power Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||834 / 1,000||$ 373||$ 940|
|Mercury||NR||$ 451||$ 1,403|
|At national scale||786/1000||$ 457||$ 1,166|
|Travelers||808 / 1,000||$ 512||$ 1,208|
Geico tops the list of auto insurance policies best rated by policyholders. Plus, auto insurance rates in Gilbert are lowest at $ 372 per year on average for minimum insurance and $ 926 for full auto insurance. Affordable rates are well below the city average. You may want to upgrade to full auto insurance (if you can afford it). Comprehensive coverage adds comprehensive and collision coverage that pays for repairs or replacement of your vehicle caused by storms, accidents and other events.
Mercury Insurance has Gilbert’s second cheapest auto insurance for basic insurance. The carrier is best known for its no-frills coverage for drivers who have difficulty finding auto insurance due to multiple accidents, drunk driving convictions or other high-risk driving behaviors. Although the rates are low for basic coverage, comprehensive auto insurance through the carrier is the most expensive compared to the other three carriers. Rates for full coverage are likely to be higher due to policyholders’ driving records.
At national scale
While Mercury insurance is a good option for drivers with previous speeding tickets or accidents, Nationwide offers discounts that could help drivers with less than perfect records save on premiums. Nationwide policyholders could take an approved defensive driving course to reduce their rates. And once they’re free of tickets and claims for a few years, they may be eligible for the carrier’s safe driver discounts.
Travelers Insurance completes the list of the best auto insurance in Gilbert with affordable premiums below the city average for minimum and full auto insurance. To get the most out of affordable coverage, be sure to take advantage of discounts on home and auto consolidation and pay your insurance bill up front. Additionally, Travelers Insurance offers an Accident Discount, which removes a responsible accident from your record every three years. This prevents your auto insurance rate from increasing.
The cheapest auto insurance in Gilbert
Vehicle owners in Arizona pay an average of $ 1,547 per year for auto insurance. Arizona’s premiums are slightly lower than the national average of $ 1,674. Gilbert’s auto insurance rates are significantly lower if you choose from the cheapest carriers in town.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 373||$ 940|
|Mercury||$ 451||$ 1,403|
|At national scale||$ 457||$ 1,166|
|United States||$ 498||$ 1,342|
|Travelers||$ 512||$ 1,208|
Geico has the best auto insurance in Gilbert. For drivers with accidents, tickets, and convictions, the best company for inexpensive basic coverage might be Mercury. Nationwide, USAA and Travelers have a wide variety of coverage and discount options available, but USAA only insures vehicle owners with military affiliations (and their families).
Gilbert Insurance Requirements
AZDOT requires drivers in Gilbert and other Arizona cities to have a minimum amount of liability insurance:
- $ 25,000 for injuries / deaths per person and per accident
- $ 50,000 for total accidental injury / death
- $ 15,000 for property damage per accident
While you can legally drive with the minimum required by the state, your leasing company or lenders may require you to insure your entire vehicle, which adds comprehensive and comprehensive collision insurance. Coverage may be more expensive, but it covers repairs or replacement of your vehicle in the event of a covered loss.
Auto insurance discounts in Gilbert
Even if you find the cheapest carrier, you will still be able to get additional discounts by looking at the discounts offered by auto insurance companies. Some include:
- Grouping: Consider purchasing a home or home insurance policy from your auto insurance company. You can end up saving on both.
- Young driver: Young adults and teens nationwide pay the highest auto insurance premiums due to their lack of driving experience. Discounts for young people and good students can help.
- Safe Driver: If you have a good driving record, it may pay off. Be sure to ask the carrier if they offer a safe driving discount.
- Professional: Many companies offer discounts on certain professions. If you are a first responder, military or teacher, you may be able to get a discount.
Of the four auto insurance discounts mentioned, the bundle and safe driver discounts could save you the most. However, you can accumulate several small discounts to save money. Don’t forget to take advantage of discounts for automatic payment, paperless invoicing and more.
Frequently Asked Questions
What is the best auto insurance company?
Each driver has unique needs, which makes it difficult to choose a carrier. Based on low rates and good customer reviews, the best car insurance companies in Gilbert are Geico, Nationwide, and Travelers.
How much does car insurance cost in Gilbert?
The rates for Gilbert are lower than the state and national average for auto insurance. The average cost of auto insurance in Gilbert is $ 651 per year for minimum coverage and $ 1,622 for full auto insurance.
What is full coverage auto insurance?
Full coverage auto insurance refers to a policy that builds on a state’s minimum insurance requirements, usually liability insurance, while also adding financial protection to your car. Comprehensive coverage adds comprehensive collision and comprehensive insurance, which reimburses you for loss or repairs to your vehicle if you cause an accident or suffer a loss due to animal collisions, bad weather, theft, fire and more. Moreover.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should be used for comparison purposes only. Your quotes may be different.