Car Insurance Quotes Gilbert AZ

Car Insurance Quotes Gilbert AZ

Car insurance costs in Gilbert can vary based on the coverage level and the insurance provider, and that is why it is so important to compare several quotes. For full coverage, the average annual cost in Gilbert is $1,162, while minimum coverage averages $581. However, these costs can change depending on individual circumstances and the specific company chosen. For instance, a 40-year-old driver with good credit and no driving violations will likely see different rates than a young driver with a less-than-perfect record.

Root Insurance Company is often cited as one of the cheapest options for car insurance in Gilbert, with an average cost of $352 for a six-month policy. Other companies offering competitive rates include Auto-Owners, GEICO, USAA, Progressive, and State Farm. Auto-Owners, for example, has an average six-month premium of $530. However, the actual cost will depend on individual factors such as driving history, credit score, and the type of vehicle being insured. Younger drivers, in particular, tend to face higher premiums due to their perceived higher risk.

To legally operate a vehicle in Gilbert, AZ driver must maintain certain minimum car insurance coverages. Arizona law requires drivers to have a minimum of $25,000 in bodily injury liability coverage per person and $50,000 per accident, as well as $15,000 in property damage liability coverage. These minimums are often expressed as 25/50/15. While these minimums may seem sufficient, they may not fully cover the costs associated with a serious accident, potentially leaving the at-fault driver responsible for any remaining expenses. Remember that these minimum limits only cover the other party involved in an accident and do not provide coverage for the policyholder’s own injuries or vehicle damage.

For personalized assistance in finding the right car insurance coverage, Gilbert residents can consult with local independent insurance agents. These agents can provide expert advice, compare quotes from multiple companies, and help drivers understand their coverage options. Some highly-rated independent insurance agencies in Gilbert include Premier Group Insurance Inc, Better Buyer Insurance LLC, Brown, Jeffrey Allen, and Candelaria Insurance Solutions LLC. Working with a local agent can ensure that drivers receive tailored advice and find the best possible coverage for their specific needs and circumstances.

READ ALSO; Car Insurance Quotes AZ

Gilbert Car Insurance Rates By Company

Our analysis shows that Root was the most cost-effective choice for full coverage car insurance in Gilbert, AZ. On average, this coverage costs $59 each month, or $352 for a six-month policy. Auto-Owners is the second most economical choice, with an average monthly rate of $88 or a six-month rate of $530.

Company                    Avg. 6 Mo. Premium
Root…………………………$352
Auto-Owners…………….$530
GEICO……………………..$689
USAA……………………….$765
Progressive……………….$796
State Farm………………..$813
Nationwide……………….$920

How Much Does Car Insurance Cost In Gilbert, AZ

The following coverages and minimum amounts must be carried by Gilbert drivers to comply with Arizona’s requirements for auto insurance coverage:

City                           Average monthly base premium
Peoria………………….$90 to $99
Buckeye……………….$60 to $69
Scottsdale…………….$80 to $89
Cave Creek…………..$50 to $59

Car Insurance Premiums by Age in Gilbert AZ

Although several factors are taken into account when determining your insurance premium, one of the most important ones is your age. Teen drivers in Gilbert AZ pay $1,823 more than drivers in their 20s, which is a startling 151% increase. Teen drivers are also considered a riskier investment for insurance companies because they are more likely to be involved in accidents than other age groups.

What is the Minimum Car Insurance Required in Gilbert, Arizona?

To meet Arizona car insurance coverage requirements, Gilbert drivers must carry these coverages and minimum amounts to stay road-legal:

Required minimum coverages for Gilbert drivers        Minimum amount required
Bodily injury liability………………………………………………………….$25,000(per person)/ $50,000 (per accident)
Property damage liability……………………………………………………$15,000

How Can I Get Cheaper Car Insurance in Gilbert, AZ

Insurance companies in Gilbert, AZ, offer drivers a lot of opportunities to help lower their car insurance rates.

• Low-mileage savings

Depending on how many miles you travel each month, drivers calculate how much they save.

• Bundle discounts

Bundle and get discounts on renters, homeowners, pets, cars, and more.

• Safe driving

Your premiums may be positively impacted by your safe driving practices, including braking, speeding, and making smooth turns.

Independent Insurance Companies near Gilbert, Arizona

Talk to an agent to assist you in finding insurance coverage for your car. These are the best insurance agents in Gilbert Az.

Premier Group Insurance Inc.

• (480) 336-2707
• 1090 S Gilbert Rd
• # 106-157
• Gilbert, AZ 85296

Better Buyer Insurance LLC

• (480) 507-5191
• 1539 W Elliot Rd
• Ste 103
• Gilbert, AZ 85233

Brown, Jeffrey Allen

• (480) 981-5525
• 2473 S Higley Rd
• Ste 104
• Gilbert, AZ 85295

Candelaria Insurance Solutions LLC

• (480) 772-2941
• 2220 E Stacey Rd
• Gilbert, AZ 85298

Staying informed about these factors empowers drivers to make smart choices and secure the best possible rates on their car insurance policies. For additional information, visit here

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