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Car Insurance Quotes in Gilbert, AZ

Full coverage / year
$2,567
State minimum / year
$838
Typical quote range
$1,822 – $3,542

Full coverage car insurance in Gilbert, AZ runs an estimated $2,567 per year — roughly $214 monthly. That sits about 8% above the Arizona average, which is what you would expect from steady commuter traffic and a moderate claim frequency. Use the calculator below to price your actual age, vehicle and record instead of the city average.

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Car insurance calculator — Gilbert, AZ

Estimated from state average premiums and your rating factors. Not a quote.

Your estimated premium
$214/ month
$2,567 per year · carriers in Gilbert, AZ typically quote $1,822 – $3,542
See real quotes for my ZIP →

We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Gilbert, AZ

InsurerEst. annualEst. monthlyvs. averageNotes
USAA$1,951$163-24%Military members and families only
Geico$2,105$175-18%Usually cheapest for clean records
State Farm$2,259$188-12%Strong for young and student drivers
Progressive$2,439$203-5%Competitive after a ticket or accident
Travelers$2,490$208-3%Good multi-policy discounts
Nationwide$2,567$2140%Mid-market, wide availability
Allstate$2,926$244+14%Higher base rate, heavy discount stacking
Farmers$3,106$259+21%Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Gilbert, AZ. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Car insurance rates by age in Gilbert

Driver ageFull coverage / yrMinimum / yrFull coverage / mo
16 years old$6,933$2,264$578
18 years old$5,848$1,909$487
20 years old$4,842$1,581$404
22 years old$4,022$1,313$335
25 years old$3,069$1,002$256
30 years old$2,646$864$221
40 years old$2,487$812$207
50 years old$2,381$778$198
60 years old$2,355$769$196
65 years old$2,461$804$205
70 years old$2,699$881$225
75 years old$3,149$1,028$262

Estimated premiums by age in Gilbert, AZ, clean record, sedan.

What a ticket, accident or DUI costs in Gilbert

Driving recordEst. annualIncrease
Clean record$2,567—
1 speeding ticket$3,157+23%
1 at-fault accident$3,773+47%
DUI / DWI$4,851+89%

What a violation costs a 35-year-old in Gilbert, AZ. Surcharges normally stay on the policy for three to five years.

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Minimum car insurance requirements in Arizona

Every driver registering a vehicle in Arizona must carry at least the limits below. Driving without them risks fines, licence suspension and an SR-22 filing requirement. Verify current limits with the Arizona Department of Insurance.

Required coverage in ArizonaMinimum limit
Bodily injury liability, per person$25,000
Bodily injury liability, per accident$50,000
Property damage liability$15,000
Insurance systemAt-fault (tort)

Coverage levels compared in Gilbert

Coverage levelEst. annualEst. monthly
State minimum liability$838$70
Full coverage (100/300/100 + comp & collision)$2,567$214
Full coverage, high limits + low deductible$3,054$255

Coverage level comparison for Gilbert, AZ.

Minimum liability is the cheapest legal option, but it pays nothing toward your own car. If your vehicle is worth more than roughly $3,000, or you still owe money on it, full coverage is normally the rational choice — the lender will require it either way.

ZIP codes we price in Gilbert

Rates move between ZIP codes inside the same city, sometimes by 15% or more, because claim frequency and theft rates are measured at ZIP level. Gilbert covers 85233, 85234, 85296, 85297, 85299 among others. Enter yours in the calculator above.

Frequently asked questions

▸How much is car insurance in Gilbert, AZ?
Full coverage in Gilbert is estimated at $2,567 a year ($214 a month) for a 35-year-old with a clean record. A state-minimum liability policy is estimated at $838 a year. Actual quotes vary with your ZIP, vehicle, credit tier where permitted, and claims history.
▸What is the minimum car insurance required in Arizona?
Arizona requires at least $25,000 bodily injury per person, $50,000 per accident and $15,000 property damage. Arizona is an at-fault state, so the driver responsible for the crash pays for the damage.
▸Who has the cheapest car insurance in Gilbert?
On our modelled comparison, Geico, State Farm and Progressive tend to price lowest in Gilbert for clean records, with USAA lower still for military families. The order changes by ZIP code and driver profile, which is why quoting at least three carriers is worth doing at every renewal.
▸How much does car insurance cost for a teen driver in Gilbert?
An 18-year-old in Gilbert is estimated at $5,848 a year for full coverage — roughly 128% above a 35-year-old on the same policy. Adding the teen to a parent's policy rather than buying a standalone one almost always costs less.
▸How much does a DUI raise insurance in Gilbert?
A DUI takes the estimate from $2,567 to about $4,851 a year in Gilbert, an increase of roughly 89%. Arizona drivers with a DUI usually also need an SR-22 certificate filed by the insurer.
▸Can I lower my car insurance bill in Gilbert?
The three changes with the largest effect are raising your deductible from $500 to $1,000 (about 9% off the comprehensive and collision portion), bundling home or renters cover, and re-shopping at renewal — loyalty rarely earns a discount. Low-mileage and telematics programmes are worth checking if you drive under 7,500 miles a year.
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Car insurance in nearby cities

ChandlerMesaTempeTempe JunctionQueen CreekScottsdaleApache JunctionPhoenix

Comparing more of Arizona? See every Arizona city we price or read the cheap car insurance guide for Gilbert.