Gilbert, Arizona is home to 237,484 residents. The average household has two cars. Allstate says it is one of America’s safest cities. For minimum coverage, the average cost of car insurance is $651 and for full coverage it’s $1,622. Gilbert car insurance rates aren’t the most expensive in the country, despite the fact that Gilbert drivers are safe.
Fortunately, there are ways to beat the average cost of coverage and find the cheapest car insurance in Gilbert. It is important to choose the right carrier. We looked at Bankrate data about insurance companies, policy offerings, customer ratings, and quotes to find the best Gilbert car insurance.
Best car insurance companies Gilbert
The following four carriers are the right combination of cheap car insurance, customizable coverage and a high level of customer service, according to the J.D. Based on the responses of policyholders, Power auto insurance study. These rates are significantly lower than the city average for minimum and full car insurance.
Geico
Geico is rated the best car insurance policyholders have ever used. Gilbert’s car insurance rates are also the lowest, at an average of $372 per year for minimum coverage and $926 for complete car insurance. These rates are much lower than the average citywide. If you are able to afford it, you might consider upgrading to full-coverage car insurance. Full coverage includes comprehensive and collision, which pays for damage or replacement to your vehicle due to storms, crashes, and other events.
Mercury
Mercury Insurance offers basic insurance at the lowest price in Gilbert. Mercury Insurance is well-known for providing no-frills coverage to drivers who are having trouble finding car insurance because of multiple accidents, DUI convictions, or other high-risk driving behaviors. The rates for basic coverage are very low, but full car insurance through this carrier is more expensive than the other three. Rates for full coverage will likely be higher due to the driving record of policyholders.
All over the country
Nationwide offers discounts that can help drivers with less than perfect driving records save money on Mercury Insurance. Nationwide policyholders could take an approved defensive driving course to lower their rates. After being ticket- and claim-free for a few years, they might be eligible for safe driver discounts.
Travelers
Travelers Insurance is the top-rated car insurance company in Gilbert. They offer affordable premiums that are lower than the average city rate for full and minimum car insurance. You can take advantage of discounts by bundling your home and car and paying in advance. This will allow you to get the best coverage. Travelers Insurance also offers accident forgiveness. This means that you can have an at-fault incident removed from your record once every three years. This will prevent your car insurance rates increasing.
Gilbert has the lowest car insurance
Arizona vehicle owners pay $1,547 on average per year for car insurance. Arizona’s average premium is slightly lower than the national average at $1,674. If you go with the cheapest carrier in Gilbert, your car insurance rates will be significantly lower.
Geico is the best-rated car insurance company in Gilbert. Mercury is the best company to get basic coverage for drivers who have been convicted, ticketed, or involved in an accident. The USAA and Travelers offer a variety of coverage options, discounts, and discounts across the country. However, USAA does not insure vehicle owners who are military personnel (and their families).
Gilbert insurance requirements
The AZDOT requires drivers in Gilbert and other Arizona cities to have a minimum amount of liability insurance:
- $25,000 per person/accident for injury/death
- $50,000 per accident for injury/death
- $15,000 per accident for property damage
While you can legally drive your vehicle with the minimum state-mandated coverage, lenders or leasing companies may require that you insure it in full. This includes collision and comprehensive insurance. Although it may cost more, the coverage pays for repairs and replacement of your vehicle in the event of a covered loss.
Gilbert car insurance discount
You may be able get additional savings even if you don’t find the lowest carrier. Check out what discounts car insurers offer. These include:
- Bundling: You might consider purchasing a renters or home insurance policy through your auto insurance company. Both may save you money.
- Young drivers: Teenagers and young adults in the United States pay the highest auto insurance premiums because they have no driving experience. Good student discounts and youth may be a good option.
- It may be worth it if you are a safe driver. Ask the carrier whether they offer safe driving discounts.
- Vocational discounts are offered by many companies to certain professions. You may be eligible for a discount if you are a military personnel, first responder or teacher.
Bundling and safe driver discounts are the best ways to save money on car insurance. You could also stack small discounts to save. You can take advantage of discounts on autopay and paperless billing.
Questions frequently asked
Which is the best auto insurance company?
Each driver has different needs and it is difficult to pick one carrier. Based on low rates and good customer reviews, the best car insurance companies in Gilbert include Geico, Nationwide and Travelers.
What is the cost of car insurance in Gilbert?
Gilbert rates are lower than both the national and state averages for car insurance. For minimum coverage, car insurance costs in Gilbert are $651 annually and for full coverage $1,622.
What is full coverage auto insurance?
Full coverage car insurance is a policy that adds financial protection to your vehicle in addition to the minimum state insurance requirements. Full coverage includes collision and comprehensive insurance. This covers you for any damages or losses to your vehicle that result from an accident, animal collision, theft, fire, or foul weather.
