Find Cheap Car Insurance in Gilbert, AZ

Gilbert, Arizona, began as a small farming town in the early 1900s. Back then, it earned the nickname “Hay Shipping Capital of the World” because hay was its main crop. Over the decades, Gilbert shifted from farmland to a growing community just outside Phoenix.

The town officially became incorporated in 1920 and has seen steady growth since. Today, Gilbert is known for its community spirit, with plenty of parks, local events, and schools that bring neighbors together. Its population has grown a lot, turning it into one of Arizona’s more bustling suburbs.

Living in the Grand Canyon State means you need vehicle protection. Acceptance Insurance offers the best cheap car insurance in Arizona—even if your driving record isn’t perfect. Want to learn how to keep your coverage affordable and get the most discounts? Keep reading, and discover smart ways to save while staying covered.

Car insurance in Gilbert costs around $46 a month for basic liability coverage, which is slightly below the national average of $52 and well under the state average of $68.

For full coverage, the average monthly rate is about $141—significantly less than Arizona’s average of $229 and below the national average of $168.

What Does Full vs. Minimum Mean?

When exploring the different types of auto insurance, it’s important to know what each one actually covers. Here’s a quick overview to help you out:

• Liability insurance: Covers damages to other people’s property and medical expenses if you’re responsible for an accident. This is the basic type of coverage required by Arizona.
• Full coverage: Protects your own vehicle as well, including:
  • Repairs after an accident
  • Theft and vandalism protection
  • Replacement costs if your car is totaled

How much you pay for car insurance really depends on a few different things. One big factor is where you’re located—every city comes with its own driving habits and risks that can change your rates. Check out the table below to see how average insurance costs stack up across various cities in Arizona.

Compare Car Insurance Rates by Zip Code in Gilbert

Besides just the city you live in, providers also consider your exact neighborhood when figuring out your risk level. If you’re driving around areas known for higher theft or frequent accidents, your rates might be higher. On the flip side, living in a calm, less busy area can help keep costs down. Below, you’ll find the average monthly premiums for different ZIP codes in Gilbert.

Low-Cost Car Insurance Rates by Age in Gilbert

Auto insurance for young drivers often starts off expensive but tends to get cheaper as you gain experience and age. Rates usually hit their lowest between 50 and 65, then may rise again due to age-related risks. Below, you’ll find a table showing average monthly premiums in Gilbert by age group.

How Many Fatal Accidents Happen Per Year in Gilbert, AZ?

The Arizona Department of Transportation reported that in 2023, the state experienced 122,247 crashes and 1,307 deaths on the road. In Maricopa County, where Gilbert is located, there were 681 traffic-related fatalities.

Being careful behind the wheel and staying aware of accident risks in Arizona can go a long way in helping you avoid crashes—and keep your insurance rates from going up.

Are Road Infrastructure and Bridges in Gilbert Well Maintained?

Gilbert is currently undergoing extensive upgrades, with many streets and infrastructure being renovated, improved, or newly constructed to reach their optimal condition.

The city is also committed to making these enhancements boost its appeal to tourists by showcasing its rich heritage. For instance, by 2027, a new 10-acre mixed-use development called Heritage Park is set to be completed in downtown Gilbert. This project will feature a spacious shopping plaza, residential areas, fountains, and numerous walking and biking trails.

If you’re driving in Gilbert or anywhere in Arizona, make sure you meet the state’s minimum insurance requirements to stay legal. Here’s what you need at a glance:

• $25,000 for injury per person
• $15,000 for property damage
• $50,000 for injury per accident

Keep in mind, these basics might not cut it—especially if you have a newer car. Upgrading your coverage can help avoid unexpected expenses after an accident.

Driving without the right vehicle insurance in Arizona can lead to some tough consequences. Here’s what you might face if you get caught:

First offense:

• $500 fine
• License and registration suspended for 3 months
• Required to carry SR-22 insurance for 2 years

Second offense:

• $750 fine
• Longer suspensions
• Continued SR-22 requirements

Third offense:

• $1,000 fine
• Even longer suspension periods
• Increased SR-22 responsibilities

To avoid these penalties, double-check your coverage before driving in the Grand Canyon State.

We’ve talked about how factors like your location, zip code, and age can impact your rates. But there’s more to it than that. When carriers calculate your premiums, they also look at several other elements, including:

• Your education level
• The coverage limits
• Your driving history
• What you do for a living
• The kind of car you drive

All these factors play a role in shaping your final cost.

Driving in Arizona is a unique experience thanks to its varied landscapes and conditions. Busy cities like Phoenix often have heavy traffic, especially during rush hour. Plus, the desert climate can bring sudden dust storms and intense heat, making driving more challenging.

In Gilbert, ongoing roadwork may lead to construction zones and temporary closures. While these improvements aim to enhance roads, it’s important to stay alert. Allow extra commute time, obey traffic laws, and keep a safe distance to ensure a smooth, safe trip.

Did you know there are plenty of ways to cut down your auto insurance costs without sacrificing your protection? Insurance companies offer a variety of discounts that could keep more money in your wallet.

If you’re cruising around Gilbert, you might be surprised at how many savings you qualify for, including:

At Acceptance, our agents are here to help you find the best discounts tailored just for you. Make it a habit to stay in touch with your local agent, especially after any big life changes, so you can keep catching every savings possible.