Best Gilbert, AZ Auto Insurance in 2024 (Learn About the Top 10 Companies)

State Farm, Geico, and Progressive stand out as the best Gilbert, AZ auto insurance providers, with monthly rates starting at $65. These top companies offer affordable rates and reliable coverage for security on the road in Gilbert, Arizona, making them a great choice for car insurance coverage.

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Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, AllWo...

Feature Writer

Schimri Yoyo

Licensed Agent & Financial Advisor

Schimri Yoyo is a financial advisor with active insurance licenses in seven states and over 20 years of professional experience. During his career, he has held roles at Foresters Financial, Strayer University, Minnesota Life, Securian Financial Services, Delaware Valley Advisors, Bridgemark Wealth Management, and Fidelity.  Schimri is an educator eager to assist individuals and families in ach...

Licensed Agent & Financial Advisor

UPDATED: Nov 2, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Top Gilbert AZ Pick: State Farm
4.1

Company Facts

Full Coverage in Gilbert AZ

$220/mo

A.M. Best Rating

B

Complaint Level

High
Best Gilbert AZ Rates: Geico
4.1

Company Facts

Full Coverage in Gilbert AZ

$190/mo

A.M. Best Rating

A++

Complaint Level

High
Best Gilbert AZ Tools: Progressive
4.1

Company Facts

Full Coverage in Gilbert AZ

$210/mo

A.M. Best Rating

A+

Complaint Level

Low

Learn about the best Gilbert, AZ, car insurance providers, including State Farm, Geico, and Progressive. These providers offer comprehensive coverage and competitive rates. State Farm is the top pick, providing the best value for drivers seeking affordability and reliable service.

Best Gilbert, AZ Auto Insurance: State Farm, Geico, and Progressive

With monthly rates starting at $65, these companies cater to various needs, ensuring you get the required protection. Whether you need full coverage, basic options, or other types of auto insurance coverage, these insurers deliver tailored solutions for Gilbert residents.

Our Top 10 Company Picks: Best Gilbert, AZ Auto Insurance

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
State Farm:Best Gilbert, AZ Auto Insurance#112%BPersonalized ServiceState Farm
Geico:Best Gilbert, AZ Auto Insurance#27%A++Cheap RatesGeico
Progressive:Best Gilbert, AZ Auto Insurance#39%A+Innovative ToolsProgressive
Allstate:Best Gilbert, AZ Auto Insurance#418%A+Local PresenceAllstate
Liberty Mutual:Best Gilbert, AZ Auto Insurance#514%ACustomizable PoliciesLiberty Mutual
Nationwide:Best Gilbert, AZ Auto Insurance#617%A+Financial StabilityNationwide
Farmers:Best Gilbert, AZ Auto Insurance#78%APersonalized ServiceFarmers
USAA:Best Gilbert, AZ Auto Insurance#821%A++Exceptional ServiceUSAA
Travelers:Best Gilbert, AZ Auto Insurance#911%A++Diverse OptionsTravelers
American Family:Best Gilbert, AZ Auto Insurance#1016%AStrong FocusAmerican Family

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Ready to buy Gilbert, AZ, car insurance? Use our free comparison tool by entering your ZIP code in the box above to find affordable Gilbert, AZ, auto insurance.

Can't-Miss Facts

  • Get tailored coverage for the best Gilbert, AZ, auto insurance
  • Explore essential discounts for affordable auto insurance options
  • State Farm offers top coverage starting at $65 per month

Table of Contents

#1 – State Farm: Top Overall Pick

State Farm: Best Gilbert, AZ Auto Insurance

Pros

  • Personalized Service: Support tailored to individual needs is good for those needing help with policies and claims. Read our “State Farm Auto Insurance Review” for more.
  • Good Reputation on Customer Service: State Farm has a good reputation for fast customer service, which benefits any customer looking for reliable Gilbert auto insurance assistance.
  • Numerous Coverage Alternatives: Gilbert car insurance offers its clients many options, such as rental reimbursement and roadside assistance.
  • Broad Local Agent Network: Clients seeking personalized auto insurance services will find easy access to assistance and advice with a wide network of agents.

Cons

  • Increased Premiums: State Farm might charge marginally more than some of its rivals, which might turn off shoppers looking for Gilbert, AZ, auto insurance on a tight budget.
  • Limited Online Tools: For some consumers searching for affordable auto insurance in Gilbert, Arizona, State Farm’s web resources may not be as easy as those of tech-focused insurers.
  • Average Claims Processing Times: If processing times lag, people who want quick fixes may be frustrated with Gilbert auto insurance companies.

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#2 – Geico: Best for Cheap Rates

Geico: Best Gilbert, AZ Auto Insurance

Pros

  • Competitive Pricing: Geico is a top option for customers on a tight budget because it is renowned for providing Gilbert, AZ, auto insurance companies.
  • A++ A.M. Best Rating: This high grade indicates sound financial standing and gives policyholders confidence in the insurer’s dependability when they get affordable vehicle insurance.
  • Easy-to-Use Web-Based Platform: This gives customers a smooth experience and makes them efficient with a vehicle insurance provider.
  • 7% Discount through Bundling: This makes purchasing many insurance plans much more affordable, drawing in many bargain-seekers looking for cheap Gilbert car insurance.

Cons

  • Limited Customer Service Availability: Longer wait times for support may frustrate customers who need immediate assistance from Gilbert, AZ, car insurance providers.
  • Less Personalized Service: Due to a larger, more automated structure, some users may receive less individualized attention with low-cost car insurance in Gilbert, AZ.
  • Less Customizable Coverage Options: If providers offer fewer choices, customers might have fewer coverage options. For more information, check out “Geico Auto Insurance Review.”

#3 Progressive: Best for Innovative Tools

Progressive: Best Gilbert, AZ Auto Insurance

Pros

  • Innovative Tools: Use Name Your Price to find Gilbert insurance companies that fit your budget.  For more insights, check out “Progressive Auto Insurance Review.”
  • Multiple Coverage Options: Progressive offers many kinds of coverage options, such as specialist vehicle coverage and rideshare insurance.
  • Loyalty Rewards Program: Under the Loyalty Rewards Program, an insured is repaid some of the premium they pay in points for safe driving.
  • A Solid Web Presence: The website is designed well enough to display policy management and claims information, attracting techie clients searching for affordable Gilbert, AZ, auto insurance.

Cons

  • Variable Claims Processing Experiences: Car owners searching for cheap automobile insurance quotes in Gilbert, AZ, may be frustrated when the claim processing varies.
  • Reduced Local Agent Presence: Fewer individuals with personal attention could make service impersonal and affect customers’ experiences with Gilbert car insurance companies.
  • Higher Premiums: Gilbert insurance companies targeting small budgets will find some drivers less attractive since they cost much to cover.

#4 – Allstate: Best for Local Presence

Allstate: Best Gilbert, AZ Auto Insurance

Pros

  • Increased Local Presence: Help customers strengthen their relationships with Gilbert, AZ, auto insurance companies for individualized care when staying in the area.
  • Efficient Customer Care: Our fast response times ensure high satisfaction among policyholders, a key characteristic of our service.
  • Better Coverage Options: Those looking for reasonably priced auto insurance have many options. Learn valuable information by reading “Allstate Auto Insurance Review.”
  • Good Educational Resources: The strategy provides clients with the necessary information to decide on the need for protection.

Cons

  • Higher Premiums: Gilbert automobile coverage companies can be more expensive than other companies in some of its competitors for consumers with a tight budget.
  • Simple, Complex Policy Options: Too many choices confuse the customer and make it difficult for them to make decisions.
  • Experiences with Various Claims: Most customers have realized the best experiences that Gilbert auto insurance firms have about various claims experiences.

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#5 – Liberty Mutual: Best for Customizable Policies

Liberty Mutual: Best Gilbert, AZ Auto Insurance

Pros

  • Customizable Policy Options: It provided the possibility of tailoring coverage according to specific needs, which attracted a wide range of customers seeking car insurance companies.
  • Accident Forgiveness Program: policyholders concerned about keeping their premiums low will find that their rates don’t increase after the first collision.
  • Mobile App Convenience: The mobile app is convenient because it allows users to access their digital ID cards, manage policy, and even submit claims on the move.
  • Good Customer Support: Always there to assist, making the entire policyholder experience with reasonably priced car insurance in Gilbert.

Cons

  • Complex Policy Options: More coverage options may confuse customers, making them choose incorrectly. Find out more by reading the “Liberty Mutual Auto Insurance Review.”
  • Delays in Claims Processing: Cheap car insurance in Gilbert will not satisfy clients as claims are processed with delays.
  • Limited Local Agent Presence: This may indirectly limit some insurance clients’ access to personalized service from Gilbert, AZ, auto insurance companies.

#6 – Nationwide: Best for Financial Stability

Nationwide: Best Gilbert, AZ Auto Insurance

Pros

  • Huge Discounts: This is the best option for Gilbert drivers who want to lower the price of auto insurance. In addition to bundling, it offers discounts for a safe driving record and a history of no accidents.
  • Good Claims Support: Nationwide helps claimants process affordable auto insurance with a dedicated support team for issue resolution.
  • Wide Coverage Options: Tailor-made programs cater to individual needs, and automobiles can be deemed versatile and adaptable enough to find coverage from insurance in Gilbert, Arizona.
  • Exceptional customer services:  It makes the entire process score high by ensuring clients are motivated to seek Gilbert, AZ, auto insurance at highly competitive rates.

Cons

  • Increased Premiums: Gilbert residents looking for cheap auto insurance may be surprised to learn that their premiums have increased. For a more comprehensive view, read “Nationwide Review.”
  • Less User-friendly Online Interface: It would normally make it harder for users to obtain information about Gilbert’s affordable vehicle insurance.
  • Claims Processing Takes More Time: Customers may experience delays in processing their claims, which could be one reason they get frustrated with auto insurance firms.

#7 – Farmers: Best for Personalized Service

Farmers: Best Gilbert, AZ Auto Insurance

Pros

  • Claims Support: Farmers uses top-notch claims personnel to help Gilbert drivers process their claims as efficiently as possible in an emergency.
  • Strong Emphasis on Customized Service: It offers personalized customer care, which results in increased insurance in Gilbert as there is high satisfaction.
  • Many Discount Opportunities: Gilbert residents can save on their policy by taking advantage of discounts, including excellent driver and multi-vehicle reductions and bundling.
  • Flexible Coverage Options: Gilbert’s low-cost insurance companies offer services to many kinds of customers, making them a good fit in many different scenarios.

Cons

  • Increased Rates: Some drivers would think Gilbert auto insurance costs are excessive, deterring those on a limited budget from pursuing this service.
  • Absence of Internet Resources: Tech-savvy customers may have difficulty locating reasonably priced auto insurance in Gilbert.
  • Inconsistent Customer Service might influence customers’ satisfaction with Gilbert auto insurance companies. View our “Farmers Auto Insurance Review.”

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#8 – USAA: Best for Exceptional Service

USAA: Best Gilbert, AZ Auto Insurance

Pros

  • Exceptional Service Reputation: It is a top option for policyholders utilizing Gilbert insurance providers, which guarantees great client happiness and assistance.
  • 21% Bundle Discount: Reasonably priced quotes for the armed forces will attract people looking for cheap car insurance in Gilbert, Arizona.
  • Excellent Roadside Assistance Program: USAA has a reliable and relatively inexpensive roadside assistance program for military families.
  • Accident Forgiveness Benefit: USAA provides the benefit of a fixed premium amount after one at-fault accident.

Cons

  • Limited Accessibility: Services are only for military personnel and their families, excluding many consumers in Gilbert, AZ. See our “USAA Auto Insurance Review” for more information.
  • Less Robust Online Tools: It may affect user experience for those seeking digital convenience related to cheap auto insurance in Gilbert.
  • Variable Claims Processing Times: The client tends to experience delays, which may frustrate Gilbert auto insurance companies.

#9 – Travelers: Best for Diverse Options

Travelers: Best Gilbert, AZ Auto Insurance

Pros

  • Several Coverage Options: Gilbert firms can provide coverage options that a firm can customize according to the client’s needs.
  • Accident forgiveness: This feature helps Gilbert drivers who have had their first at-fault accident avoid increasing their premiums. For more, read our “Travelers Auto Insurance Review.”
  • Discount for Hybrid Vehicles: Environment-conscious people staying in Gilbert can enjoy a rebate on their hybrid auto insurance.
  • Good Strong Online Resources: It offers digital tools that are immediately accessible for policy management to assist customers with low-priced car insurance.

Cons

  • Premiums may Increase for Certain Groups: This may cause a few of the drivers to pay more for coverage, which is a significant turn-off to some tight budgets coming into look for one.
  • Inconsistent Customer Service Experiences: Differences in business services can determine customer satisfaction for Gilbert citizens wishing to purchase auto insurance.
  • Complex Policy Options: Some customers may feel overwhelmed by the many options available when navigating through car insurance providers in Gilbert.

#10 – American Family: Best for Strong Focus

American Family: Best Gilbert, AZ Auto Insurance

Pros

  • Huge Customer Satisfaction: It aspires to deliver high-quality services to clients and is undoubtedly among Gilbert’s best insurance service providers.
  • Flexible payment options: Budgets can make monthly, quarterly, or yearly payments for convenience. For more details, read “American Family Auto Insurance Review.”
  • Diversification in Coverage: Specialized policies cater to various client types, hence giving consumers searching for Gilbert, AZ, auto insurance at affordable price alternatives.
  • Good Activities in the Community: The business engages itself in giving and sponsoring. It gives peace, and the company clearly shows that it cares for the neighborhood.

Cons

  • Limited Discounts for New Customers: Since the number of discounts for new customers is small, less will be spent on the current budget.
  • Availability of Scarce Online Resources: Gilbert’s website offers cheap auto insurance and is unique in its functionality.
  • Unreliable Processing Time for Claims: Most customers do not favor Gilbert auto insurance companies because they take quite a long time to process claims.

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Affordable Auto Insurance Rates in Gilbert from Top Providers

Are you looking for cheap auto insurance companies in Gilbert? Several major companies stand out as representatives of the minimum and full coverage options.

Geico stands out due to its excellent customer service and user-friendly claims process. Well behind Geico, though, is Progressive, which offers easy-to-use online tools and the option of adjusting coverage to meet your bottom line.

Gilbert, AZ Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate:Best Gilbert, AZ Auto Insurance$90$240
American Family:Best Gilbert, AZ Auto Insurance$83$225
Farmers:Best Gilbert, AZ Auto Insurance$88$230
Geico:Best Gilbert, AZ Auto Insurance$70$190
Liberty Mutual:Best Gilbert, AZ Auto Insurance$95$235
Nationwide:Best Gilbert, AZ Auto Insurance$80$225
Progressive:Best Gilbert, AZ Auto Insurance$75$210
State Farm:Best Gilbert, AZ Auto Insurance$85$220
Travelers:Best Gilbert, AZ Auto Insurance$78$215
USAA:Best Gilbert, AZ Auto Insurance$65$180

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On the other hand, State Farm has a great agent network and very good customer service. Companies such as Geico, Progressive, and State Farm each have attractions that suit individual tastes and requirements. Thus, drivers in Gilbert can make the best decision.

Ultimately, drivers in Gilbert, AZ, have the best companies to select from to get any coverage that would work well with them, as individual needs and budget may dictate this. They will be well-covered appropriately while on the road.

Comparing Gilbert Auto Insurance Rates in Different Cities

Gilbert, AZ’s auto insurance rates compared to other cities reveal huge differences. Gilbert’s rates are slightly higher than those of the areas next door, so residents there will have to shop around. Apache Junction and Prescott still have the lowest insurance rates.

Gilbert, AZ Monthly Auto Insurance Rates by City

CityMonthly Rates
Apache Junction$117
Casa Grande$136
Chandler$149
Gilbert$177
Glendale$178
Mesa$150
Peoria$158
Phoenix$180
Prescott$101
Scottsdale$142
Surprise$149
Tempe$160
Tucson$130
Yuma$112

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The table comparing car insurance rates positions Gilbert as one of the most expensive cities compared to the nearest cities. Gilbert rates are about $177 a month, almost head and shoulders higher than those of Apache Junction and Prescott, respectively, whose costs are drastically lower. The density of traffic and accident rates locally also contribute to the auto insurance premium your car will cost.

Cities like Chandler and Mesa should also offer the most competitive rates, around $149 and $150. Even with Glendale and Phoenix being pretty much neck and neck in price, Gilbert is a whole different ballgame, shall we say.

How Gender and Age Affect  Auto Insurance

Multiple specific factors can impact auto insurance, such as your credit score and moving violations, but gender and age are core influences on car insurance prices in Gilbert.

It does cost more to insure younger drivers, especially males, because they take a lot of risks and get into crashes, but once you pass the age 25 mark, everything goes down. Rates for everyone else will fall, but seniors could see their rates increase.

Gilbert, AZ Monthly Auto Insurance Rates by Age

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
State Farm:Best Gilbert, AZ Auto Insurance$661$681$130$140$120$125$90$95
Geico:Best Gilbert, AZ Auto Insurance$530$640$110$115$105$108$85$88
Progressive:Best Gilbert, AZ Auto Insurance$760$780$160$170$150$155$120$125
Allstate:Best Gilbert, AZ Auto Insurance$710$735$140$150$135$140$100$105
Liberty Mutual:Best Gilbert, AZ Auto Insurance$670$690$135$140$128$132$95$98
Nationwide:Best Gilbert, AZ Auto Insurance$695$720$145$150$130$135$97$102
Farmers:Best Gilbert, AZ Auto Insurance$750$770$155$165$145$150$115$120
USAA:Best Gilbert, AZ Auto Insurance$480$510$95$100$90$95$75$80
Travelers:Best Gilbert, AZ Auto Insurance$720$740$145$150$135$140$110$115
American Family:Best Gilbert, AZ Auto Insurance$700$725$140$145$130$135$100$105

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Whether you are seeking the best car insurance in Arizona for young drivers or on the hunt for cheap auto insurance for seniors in Arizona, it is important to understand how these factors affect prices. You also want to know how old you have to be before you can drive and the insurance requirements.

If the city had a younger skew, then maybe car insurance carriers would be more likely to adjust average rates in Gilbert higher because people under those ages factor into high-risk classifications.

Generally, insurance companies charge young drivers the most for car insurance. This could be attributed to the fact that young drivers have the least amount of driving experience.

Don’t be too distressed by this data if you have a young driver in your household. There are still many more factors that can affect your car insurance rates. Remember that your young driver’s rates should dramatically decrease as they age if they keep a clean record.

Auto Insurance Coverage Options

Gilbert, AZ, car coverage is as varied as every issue we positioned into it! Typical coverage is liability to cover damages for others in an accident, and collision damage will pay for the harm to your car.

Comprehensive insurance covers damage to vehicles caused by incidents other than collisions. Drivers can also consider add-ons like personal injury protection (PIP), uninsured/underinsured motorist coverage, or an umbrella policy to beef up protection.

Best Gilbert, AZ Auto Insurance: Umbrella Policy Definition Card

Choosing the right policy involves customization so drivers can choose different types of coverage based on their lifestyle and budget. Suppose you have a new or expensive car. In that case, you might opt for comprehensive and collision insurance coverage, while someone driving an older vehicle can easily go with the minimum liability coverage on their policy.

Essential Auto Insurance Discounts from Leading Gilbert Providers

In Gilbert, AZ, the best insurance companies, Geico, State Farm, and Progressive, offer discounts to purse holders, which means the cost of almost all vehicle insurance.

Geico is a great choice for drivers looking to save money, as it offers discounts on multi-vehicle policies, good driving records, and even military service. State Farm also discounts Safe drivers, good students, and multi-policy holders, making all the basics affordable.

Auto Insurance Discounts From the Top Providers in Gilbert, AZ

Insurance CompanyAvailable Discounts
Allstate:Best Gilbert, AZ Auto InsuranceSafe Driving, Multi-Policy, New Car, Early Signing, Good Payer
American Family:Best Gilbert, AZ Auto InsuranceMulti-Policy, Safe Driver, Good Student, Loyalty, Accident-Free
Farmers:Best Gilbert, AZ Auto InsuranceMulti-Policy, Good Driver, Homeowner, Safe Driver, Alternative Fuel
Geico:Best Gilbert, AZ Auto InsuranceMulti-Vehicle, Good Driver, Military, Emergency Deployment, Seatbelt Use
Liberty Mutual:Best Gilbert, AZ Auto InsuranceMulti-Policy, Homeowner, Vehicle Safety Features, Good Student
Nationwide:Best Gilbert, AZ Auto InsuranceSmartRide, Multi-Policy, Accident-Free, Defensive Driving, Paperless
Progressive:Best Gilbert, AZ Auto InsuranceSnapshot, Multi-Policy, Homeowner, Continuous Insurance, Teen Driver
State Farm:Best Gilbert, AZ Auto InsuranceMulti-Policy, Safe Driver, Good Student, Defensive Driving
Travelers:Best Gilbert, AZ Auto InsuranceMulti-Policy, Safe Driver, New Car, Hybrid Vehicle, Homeowner
USAA:Best Gilbert, AZ Auto InsuranceSafe Driver, Vehicle Storage, Multi-Policy, Loyalty, Defensive Driving

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Snapshot from Progressive, which promotes rewards for safe driving behavior and incentivizes continuous insurance coverage in addition to good student drivers. Our top selections from the list provide competitive rates and discounts to suit various needs among Gilbert residents to obtain optimal coverage assistance with budget management.

Cheapest ZIP codes in Gilbert

Did you know that your place of residence could also affect your car insurance rates?

Find your ZIP code in the table below.

Gilbert, AZ Monthly Auto Insurance Rates by ZIP Code

ZIP CodesMonthly Rates
85298$334
85297$339
85296$339
85295$339
85234$340
85233$348

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The cheapest ZIP code will save you about $170 compared to the most costly zip code. While there is no vast difference, it’s still worth noting.

So if you live in an area prone to more natural disasters or crime, and your neighbor across town pays less for insurance, that’s why. This is especially true for high-risk drivers, who tend to get the highest rates. ·

Drivers might also want to find cheap rental cars in Gilbert. You want to stay informed of things that could result in a deadly car crash here, possibly affecting insurance rates.

Compare affordable car insurance rates using our FREE comparison tool. Just enter your ZIP code.

Best Auto Insurance for Commute Rates

How much you drive every day can affect your car insurance rates. According to the Federal Highway Administration report on Licensed Drivers by State (2014), Arizonans drove an average of 12,829 miles that year. Driving on Arizona highways or maintaining a responsible driving record are some of the things that could result in safe driver insurance discounts.

Gilbert, AZ Monthly Auto Insurance Rates by Commute

Insurance Company6,000 Miles12,000 MilesMomthly Rates
Geico TablePress Logo$204$211$208
USAA TablePress Logo$260$266$263
Travelers TablePress Logo$283$283$283
Nationwide TablePress Logo$314$314$314
Progressive TablePress Logo$326$326$326
American Family TablePress Logo$377$384$380
State Farm TablePress Logo$426$449$438
Farmers TablePress Logo$428$428$428
Allstate TablePress Logo$453$453$453

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As you can see, some insurers will charge you the same rate even if you drive more miles yearly, while others increase your rate. If you know you drive more than average, try going with one of these five companies: Allstate, Farmers, Nationwide, Progressive, or Travelers.

In some states, Allstate quotes are more expensive, so you can bundle Allstate home insurance quotes with your car insurance policy to save money.

Best Gilbert, AZ Auto Insurance: Allstate Homepage Screenshot

Allstate quotes for motorcycles can also help you save on auto insurance. Check your insurance shopping cart for Allstate as you grab a quote. Make things easier on yourself, and try to buy Allstate auto insurance online. Remember that your rates may go up if you drive more than average.

Gilbert’s Digital Processes for Auto Insurance

Like most providers in this industry, many auto insurance companies have made things easier for their customers by moving online. Key improvements include user-friendly websites and mobile apps that ensure policyholders can receive quotes more easily, manage policies better, or make payments from an internet-connected device.

This technological advancement provides many new possibilities to optimize how we obtain and manage car insurance, which can help customers shop around for different auto insurance coverage options from companies such as National General Insurance.

Gilbert, AZ Monthly Auto Insurance Rates by Credit History

Insurance CompanyGood CreditFair CreditBad Credit
State Farm:Best Gilbert, AZ Auto Insurance$106$133$186
Geico:Best Gilbert, AZ Auto Insurance$110$135$199
Progressive:Best Gilbert, AZ Auto Insurance$158$200$269
Allstate:Best Gilbert, AZ Auto Insurance$185$230$290
Liberty Mutual:Best Gilbert, AZ Auto Insurance$140$175$245
Nationwide:Best Gilbert, AZ Auto Insurance$144$180$250
Farmers:Best Gilbert, AZ Auto Insurance$194$245$310
USAA:Best Gilbert, AZ Auto Insurance$66$83$110
Travelers:Best Gilbert, AZ Auto Insurance$125$160$225
American Family:Best Gilbert, AZ Auto Insurance$170$210$280

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These e-apps typically have other benefits, like policy comparison capabilities, coverage advice, and educational materials. It will allow customers, as an example of best-fit selection between the other available providers in a very short time.

Such waves of these online solutions have made home insurance services within Gilbert much more accessible.

Claim Process for Auto Insurance

To meet the high expectations for customer satisfaction of an already-beleaguered population, Gilbert-based auto insurance providers need claims processes that are fast and easy. Online / App-based claim submission: Few insurers have the functionality available to submit a claim online or through an app, in which you can fill out your accident details and upload other necessary documents required during claims.

Customers feel supported because they get fast response times and are assigned claims representatives. They also have a claims-free insurance discount that helps them save money on their car insurance for safe drivers.

Gilbert, AZ Auto Accident & Insurance Claim Statistics

FactorValue
Total Accidents Per Year4,567
Insurance Claims Filed Per Year3,214
Percentage of Accidents with Claims70%
Average Cost per Claim$3,800
Most Common Claim TypeCollision

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It will be common for Gilbert services to prioritize transparency and communication regarding claims. It also informs you on the claims process and gives timely updates as information is obtained. Proactive outreach puts policyholders at peace, and that goodwill between the insurer and insured goes a long way in ensuring greater UX holistically.

Best Auto Insurance for Coverage Level Rates

Did you know that some car insurance companies offer discounts on rates if you purchase more insurance than the state legally requires?

Take a look at this table.

Gilbert, AZ Monthly Auto Insurance Rates by Coverage Level

Insurance CompanyHighLowMediumMonthly Rates
Geico TablePress Logo$239$173$211$208
USAA TablePress Logo$281$241$267$263
Travelers TablePress Logo$312$250$288$283
Nationwide TablePress Logo$326$298$318$314
Progressive TablePress Logo$363$282$333$326
American Family TablePress Logo$383$365$392$380
State Farm TablePress Logo$476$390$446$438
Allstate TablePress Logo$481$423$456$453
Farmers TablePress Logo$489$363$433$428

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You can upgrade from a minimum liability auto insurance policy to comprehensive coverage for just a few hundred dollars more annually, less than $30 per month.

Check out American Family’s rates.

With American Family, a low coverage rate costs $4,381.10, while a high coverage rate costs just $215 more per year.

If you can afford to cut back on a few coffees every month, having a comprehensive coverage policy could save you thousands of dollars in the long run.

Safety Features in Vehicle Insurance in Gilbert, AZ

Auto insurance agents in Gilbert understand that new vehicle security is the only way to reduce car accidents and claims. Several auto insurance companies offer discounts on car premiums with advanced security features, such as anti-lock brakes, lane departure alerts, and adaptive cruise control.

All of these features make the car safer to drive and thereby decrease the possibility of an accident, making it more insurer-friendly. To check out your top choices, see “Cheap Auto Insurance Companies.

In the long run, this can save people money on their premiums and keep them safe from accidents. The emphasis on safety mirrors the industry trend toward rewarding driving habits, a signal to those purchasing insurance to prioritize automobile purchases for their family with this in mind. It means insurers are happy, and drivers have a lower risk of crashing.

Auto Insurance Providers Customer Reviews

For Gilbert residents, seeing what other consumers say is key when judging the where-with-all of insurance companies. Current and former policyholders give us a view of customer service, claims processing speed, and overall satisfaction levels. Good reviews hint that the insurer is reliable, whereas bad feedback can indicate possible issues.

Geico stands out as the best auto insurance provider in Gilbert, AZ, known for exceptional customer service and efficient claims handling.

Schimri Yoyo Licensed Agent & Financial Advisor

What’s more, there are online platforms that collect customer reviews and ratings, which help customers find the best information on providers they want to use. Through research and review reading, drivers can simply choose an auto insurance company that is right for them based on their requirements.

Driving Record Rates for Best Auto Insurance

The main factors influencing car insurance rates are related to your driving history. The chart below shows how your rates can differ based solely on your driving record.

There are possibilities for cheap auto insurance for a bad driving record to keep your budget in mind if you have a few blemishes.

Gilbert, AZ Monthly Auto Insurance Rates by Driving History

Insurance CompanyClean RecordOne AccidentOne DUIOne TicketMonthly Rates
Geico TablePress Logo$160$218$292$160$223
USAA TablePress Logo$191$274$361$225$276
Travelers TablePress Logo$227$295$330$282$284
Nationwide TablePress Logo$266$279$413$297$319
American Family TablePress Logo$270$416$521$314$402
Progressive TablePress Logo$287$379$303$334$323
Farmers TablePress Logo$362$467$456$428$428
Allstate TablePress Logo$362$460$522$469$448
State Farm TablePress Logo$397$478$438$438$438

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Not surprisingly, being convicted of a DUI could raise your Gilbert, AZ, car insurance rates.

If you break the law, expect to pay the consequences. Getting a DUI or causing a car accident is likely to increase your rates by thousands of dollars a year.

If you get a speeding ticket, your rates will likely increase, but they won’t increase by thousands of dollars.

Check out Nationwide if you’ve been in an accident. They are a little more forgiving when raising your rates.

Free Auto Insurance Comparison

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Selecting the Best Auto Insurance Providers in Gilbert

Auto insurance premiums in Gilbert, AZ, reflect a balance between coverage options and affordability. Gilbert providers offer a range of types of coverage, including liability, comprehensive, and others. Rates are higher than elsewhere in the country, but incentives like safe driving, bundling policies, and military service can offer huge discounts to many residents.

Generally, customer satisfaction is positive in Gilbert, where most drivers are satisfied with their insurance providers. Although there are times when claims processing may take a little more time, insurers make sure that customer service is promptly responsive to enable drivers to feel supported along the way.

Gilbert, AZ Report Card: Auto Insurance Premiums
CategoryGradeExplanation
Coverage OptionsAOffers a wide range of coverage, including comprehensive and liability options.
Discounts AvailableA-Many providers offer multi-policy, safe driving, and military discounts.
AffordabilityB+Rates are slightly above the national average, but discounts are available for safe drivers.
Customer SatisfactionBMajority of drivers are satisfied with their insurance providers, but some report claims processing delays.
Claims ProcessingB-Slightly longer than average claim handling time, but responsive customer service.

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The auto insurance market is very flexible, with several discounts and coverage available. How do I know if I chose the right coverage? Evaluating needs and comparing policies is an effective way to get fully covered. It will cost you a little more than in other locations. Still, the accessible savings combined with the responsive customer support make for a nice insurance experience for the local driver.

Now that we’ve covered all you need to know about car insurance in Gilbert, AZ, it’s time to compare car insurance rates. First, use our free tool by entering your ZIP code in the box below. Find the best car insurance company in Gilbert, AZ, now.

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Frequently Asked Questions

What is the average price of a rideshare insurance policy?

The average price of a rideshare insurance policy in Gilbert, Arizona, ranges from $20 to $50 per month. For Gilbert rideshare drivers, having this coverage is essential to guarantee they are adequately safe while using services like Uber or Lyft.

What auto insurance is required?

According to Nolo, the required minimum amounts of liability car insurance coverage in Arizona are:

  • $15,000 for bodily injury or death of one person in an accident caused by the driver of the insured vehicle
  • $30,000 for total bodily injury or death liability in an accident caused by the driver of the insured vehicle
  • $10,000 for property damage per accident caused by the driver of the insured vehicle

This basic coverage pays the medical bills, property damage bills, and other costs of drivers, passengers, and pedestrians who are injured or have their vehicles damaged in a car accident you cause, up to coverage limits.

What happens if I’m caught driving without insurance?

If you are asked to provide proof of insurance during a traffic stop or following a car accident in Arizona, and law enforcement discovers that you lack insurance, you will likely face the suspension of both your vehicle’s registration and your driver’s license.

To restore these privileges, you must pay fees and submit legal proof of financial responsibility to the Arizona Motor Vehicle Department. The violations of a lapse in auto insurance coverage will likely be minimal compared to the financial burden you could experience if you are involved in a car accident without insurance.

Is Gilbert, Arizona, a nice place to live?

According to Niche.com, Gilbert is a suburb of Phoenix and is voted one of the safest places to live.

What do I do if I get into an accident in Gilbert?

According to Nolo, regarding liability or financial responsibility for losses resulting from an auto accident, Arizona follows the traditional fault-based system: injuries, lost income, vehicle damage, and so forth.

This means that the legally liable driver of the car accident is also liable for all subsequently incurred losses (practically speaking, the at-fault driver’s insurance pays those losses within policy limits).

Does USAA homeowners insurance cover foundation repairs?

USAA homeowners insurance can cover foundation repairs if the damage occurs due to a covered cause, such as an internal pipe leak or severe weather. Although the climate in Gilbert can be trying at times, check your auto policy terms or contact USAA to find out about coverage alternatives available and how auto insurance deductibles may impact them.

What is the average cost of Arizona car insurance?

The average cost of car insurance in Arizona is around $1,300 per year. In Gilbert, local traffic patterns and accident rates can influence this average. It’s important to shop for quotes to find the best rates that suit your needs.

Enter your ZIP code using our free tool below to discover the top car insurance providers in Gilbert, AZ today.

How much does car insurance cost per month?

Car insurance in Arizona typically costs about $100 to $120 per month. Gilbert residents may see slight variations in these rates based on their driving history, the type of vehicle they own, and the insurance provider they choose.

Is car insurance cheaper in Arizona than in California?

Yes, car insurance is typically more affordable in Arizona than in California. In Gilbert, this disparity can be explained by the lower traffic congestion and accident rates when compared to major cities in California, making Arizona a better choice for those seeking cheap auto insurance in Arizona.

Is The General cheaper than Geico?

Yes, car insurance is cheaper in Arizona than in California. In Gilbert, this would explain why Arizona generally has fewer rates of traffic congestion and automobile accidents; thus, it is better to opt for cheap auto insurance in Arizona.

What is the cost of living like in Gilbert?

According to a study by Sperling’s Best Places, Gilbert’s living cost is above the nationwide average. Sperling rated the cost of living at 116.3. A figure below 100 indicates that a city is cheaper than the U.S. average, while a number exceeding 100 indicates that the city is more expensive. The average home price in Gilbert is $332,800.

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