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Auto Insurance in Gilbert, AZ (The Complete Guide)

Summary Overview of Gilbert, AZStats
Density5,642 people per square mile
Average Cost of Insurance in Gilbert$4,079.78
Cheapest Car Insurance CompanyGeico

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Gilbert is the fifth-largest city in the Phoenix Metropolitan Area that is routinely ranked as one of the best places to live in the country.

In the last two decades, Gilbert has been the fastest-growing municipality in the country. In the last two decades, it has grown from a small farming community to a modern city.

The rapid growth is brought in a thriving economy supported by a large population.

Arizona has 22 national parks and several state parks, many of them an hour to a day-trip away from Gilbert.

With so much to explore and enjoy, it is always great to have the assurance of having the best auto insurance coverage to protect you and your family.

However, buying insurance is a complex process. We get it.

Therefore, we created this complete guide to car insurance in Gilbert. The guide will help you understand all the essential factors that go into an auto insurance buying process, including coverage types, rates, factors impacting premium, and much more.

We hope that with this guide, you will be able to purchase the right coverage for your needs.

You can start your comparison shopping today using our FREE online tool. Enter your ZIP code above to get started!

Table of Contents

The Cost of Car Insurance in Gilbert

The first step in saving on your car insurance premium is to understand the critical factors affecting your premium.

You might find yourself asking how does my Gilbert, Arizona stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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But what are the factors impacting your car insurance?

In this section, we will look at the factors that companies consider while calculating your insurance rates, such as driving history, marital status, credit score, and more.

Male vs. Female vs. Age

Your age is a crucial indicator of risk for an insurance company.

These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. AZ does use gender, so check out the average monthly car insurance rates by age and gender in Gilbert, AZ.

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If you are a new teen driver, you will not have a driving history, and therefore the insurer will not have the direct assessment of driving style.

Gilbert, AZ car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Therefore, insurance companies generally consider young drivers risky. According to actuarial studies, insurance companies have found that, on average, young drivers drive recklessly and may file for a claim in the first few years.

This is why the premium for a young driver is the highest.

As you grow, you not only gain experience but also have a driving record that can potentially lower your risk and, therefore, your premium.

Here are the average insurance rates for different age brackets in Gilbert:

Average Annual Rate$8,651.32$2,914.52$2,556.05$2,371.8560

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As discussed, the insurance rate is highest for a teen, but it drops drastically as the driver gains experience. The average annual premium for a teen is nearly four times higher than the average premium for a 35-year-old driver in Gilbert.

With a median age of 33.6, this means that insurance rates for a majority of Gilbertonians tend towards the citywide average minimum.

However, remember these are average rates and may not apply in your case.

But what about gender? Does it play a role in your auto insurance premium? Unfortunately, it does in Gilbert, Arizona.

Arizona is among the majority of states that allow insurance companies to consider your gender while calculating insurance rates.

The average car insurance rate in Gilbert for males is $4,123, and for females, it is $3,892. We have observed the same trend where the average overall rates may be slightly higher for males.

Currently, seven states in the country do not allow insurance companies to consider gender while calculating auto insurance rates.

Another minor factor that can impact your auto insurance rates is your marital status.

The average premium for married drivers is lower than that of unmarried drivers. However, gender does still play a role.

Here’s the table of insurance rates organized by age, marital status, and gender:

Single 17-year old female$7,900.83
Single 17-year old male$9,401.82
Single 25-year old female$2,786.53
Single 25-year old male$3,042.52
Married 35-year old female$2,552.66
Married 35-year old male$2,559.45
Married 60-year old female$2,330.85
Married 60-year old male$2,412.85

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The average premium is more economical for males across all age groups.

The rate delta between married and unmarried drivers may be due to many reasons, among which that married people are generally safer drivers and therefore less probable to file a claim.

Cheapest ZIP Codes in Gilbert

Your insurer considers where you live an important factor in determining your rate.

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Gilbert, Arizona auto insurance rates by ZIP Code below:

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The ZIP code you provide in your insurance application helps the insurer identify certain risks on your policy. Some of the factors that insurance companies are interested in include:

  • number of accidents reported per year from your neighborhood or ZIP code
  • numbers of claims made
  • cost of living
  • car thefts in your ZIP code
  • crime rate

Here’s the average auto insurance rate across various ZIP codes in Gilbert:

Zip CodeAverage Rate

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However, in the case of Gilbert, the auto insurance premiums between the most expensive and cheapest ZIP codes differ by less than $200.

Therefore, where you live in Gilbert does not impact your auto insurance premium.

What’s the best car insurance company in Gilbert?

The best car insurance can be a subjective topic.


Because it is complicated to figure out the best car insurance company, you have to consider which factors are most relevant to you.

Which Gilbert, AZ car insurance company has the best rates? And how do those rates compare against the average Arizona car insurance company rates? We’ve got the answers below.

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Insurance companies may use different methods of calculating insurance rates. Each company may weigh various factors differently and, therefore, may be able to offer you bespoke auto insurance rates.

You should shop around to check for the best insurance quotes.

In this section, we will talk about how different insurance companies weigh various factors.

Cheapest Car Insurance Rates by Company

Drivers in Gilbert have many car insurance companies to choose from for their insurance coverage.

Almost all the major insurers are licensed in the city. The competitive environment provides drivers an opportunity to get some discounts.

Depending on your driving history and the overall risk profile, insurance companies can offer you varying rates to slightly different types of coverage, because each insurance company has a complicated method to calculate your premium.

Here’s a table that shows average insurance rates, organized by companies and broken down by age and marital status.

GroupSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleAverage
American Family$7,986.84$10,454.94$3,005.36$3,515.43$3,005.36$3,005.36$2,759.64$2,759.64$4,561.57
State Farm$9,911.54$12,463.71$3,401.26$4,293.64$3,161.39$3,161.39$2,804.44$2,804.44$5,250.23

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On average, a 17-year-old male driver is expected to pay $9,401 for auto insurance coverage. However, as we see in the table, different insurance companies may charge varying rates for the same coverage. Where State Farm may charge a 17-year-old male driver $12,463, Geico may offer a rate of around $5,134.

Therefore, it is always advisable to shop around to get the cheapest rate.

You may notice another important aspect from the table above — teens can expect to see a drastic drop in insurance rates as they grow up and gain experience. On average, a 17-year-old male driver can expect to see a 67 percent drop in insurance rate when they grow 25 years old.

But they have to make sure to maintain a clean driving record.

Nevertheless, it is not advisable to base your insurance decision solely on the price. You should review and understand if the coverage is relevant and useful for you.

In the following section, we will talk about the variety of factors that you might need to consider while deciding on your coverage.

Best Car Insurance for Commute Rates

All the rates we have thus far mentioned in this guide are average rates. But what if you have a higher than average commute? Would the car insurance company increase your premium amount?

Well, it depends on the car insurance provider. Some insurers see the additional commute as an additional risk and therefore increase their premium. However, there are insurance providers that do not increase the premium for a reasonable increase in annual mileage.

If you are planning to clock a higher annual commute, remember to shop around for auto insurance quotes.

According to the Federal Highway Administration, an average driver in Arizona drives around 12,829 miles per year, which is less than the national average of 14,312 miles.

We partnered with Quadrant Data Solutions to understand the impact of commute on your insurance rate. The table below shows  the average insurance rate organized by the insurer and broken down by annual mileage:

Group10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
American Family$4,518.09$4,605.06$4,561.58
State Farm$5,114.77$5,385.69$5,250.23

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State Farm, USAA, and Geico tend to increase their insurance rates by a small amount for the additional commute. The rest of the major insurers do not tend to increase the premium within a reasonable mileage limit.

However, remember these are average annual rates. You can check with your insurer to know their exact policy about any additional commute.

Best Car Insurance for Coverage Level Rates

You should purchase adequate coverage to secure yourself and your family. However, often, that means buying additional liability coverage along with supplementing your policy with add-ons.

Your coverage level will play a major role in your Gilbert car insurance rates. Find the cheapest Gilbert, AZ car insurance rates by coverage level below:

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However, any additional policy or coverage you buy is most likely going to increase your premium amount, because each time you purchase additional coverage or supplemental policy, you are asking the insurer to take on a higher amount of risk on behalf of you.

Again, depending on the kind and amount of coverage you opt for, your insurance rates might differ from one insurer to the next.

We teamed up with Quadrant Data Solutions to see the impact of different coverage levels on your premium amount. Here’s the summary of the average rates organized by insurance companies:

American Family$4,381.10$4,707.09$4,596.53$4,561.57
State Farm$4,683.28$5,356.38$5,711.02$5,250.23

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As we can see from the table, some insurance companies may increase your car insurance rates by $700-$1,000 while some only increase it by $200.

Therefore, shop around to find the cheapest quotes based on the coverage you need.

But to make the decision, you need to understand the difference between coverage levels.

The low coverage is usually the minimum liability coverage that you must buy to drive your car legally in Arizona.

The minimum liability coverage required in Gilbert, AZ, is:

  • Bodily Injury Liability — $15,000 for one person / $30,000 per accident
  • Property Damage Liability — $10,000 per accident

Any additional liability or supplemental coverage you purchase will make your policy either a medium or a high coverage policy.

Some of the optional coverages that you can purchase are:

  • Collision
  • Comprehensive
  • MedPay
  • Uninsured/Underinsured Motorist
  • Personal Injury Protection

However, understanding the different types of coverage and only buying relevant types is a great way to optimize coverage and price.

Here’s a short video to understand how to reduce your premium amount:

Best Car Insurance for Credit History Rates

Car insurance companies use your credit score to calculate your premium amount.


Because your credit score can potentially help insurance companies calculate the risk attached to your policy.

Your credit score will play a significant role in your Gilbert car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Gilbert, AZ car insurance rates by credit score below.

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A high credit score might mean lower risk for a car insurance company.

As a benchmark, the average credit score in the US is 675, while that of Arizona is 669. You might attract a higher premium if your credit score is lower than average.

We collaborated with Quadrant Data Solutions to understand the impact of your credit score on your auto insurance rate. Here’s the summary organized by insurer and credit level:

American Family$5,731.38$4,271.68$3,681.66$4,561.57
State Farm$9,662.25$3,742.60$2,345.83$5,250.23

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There can be several factors that might adversely impact your credit score. Several companies might not penalize you for having a low credit score.

You need to shop around to get the best auto insurance quote.

However, insurance companies in Gilbert tend to increase insurance rates for a poor credit score. State Farm may increase your auto insurance by more than $7,000 if your credit dropped from good to poor.

Some companies are more lenient with their insurance rates: Geico might only increase your insurance rate by around $1,000 if your credit score drops from good to poor.

Best Car Insurance for Driving Record Rates

One of the most important factors impacting your auto insurance rate is your driving record. Regardless of how high your credit score is or what gender you are, if you have a bad driving record, you provide a direct risk to the insurance companies.

Your driving record will play a major role in your Gilbert car insurance rates. For example, other factors aside, a Gilbert, AZ DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Gilbert, AZ car insurance rates by driving record.

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Any insurance company will charge higher premiums to compensate for the high risk. Therefore, to save on auto insurance premiums, you should aim to have a clean driving record.

To know your driving record, insurance companies can use a tool called a motor vehicle report (MVR). MVR provides the following summary of your driving record:

  • Traffic tickets
  • Convictions
  • Accidents
  • Even little things like parking tickets

According to Quadrant Data Solutions, here’s the average premium rate in Gilbert organized by violations:

GroupClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
American Family$3,239.66$3,762.59$4,992.26$6,251.79$4,827.90
State Farm$4,769.65$5,250.23$5,730.80$5,250.23$5,250.23

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Your driving can get tarnished if you are caught speeding, charged with a DUI offense, or cause an accident. Bad driving record can potentially shoot your insurance rates high.

However, the rate of increase may differ between insurers.

If you have a speeding violation on your record, Geico may be the only insurer to not increase the insurance rate. On the other hand, Allstate might increase your rate by as much as $1,300.

If you consider the DUI charge, Progressive might be the most lenient company, whereas American Family might penalize you the most.

These violations indicate risky behavior on your part, and therefore companies increase their premium amounts to safeguard against a potential loss.

We strongly suggest that you keep a clean driving record for not only having the best chance of an economical auto insurance rate but also to keep yourself safe on the road.

Our FREE comparison tool provides a convenient way of seeking quotes. To start comparison shopping today, you just need your zip code below to get started!

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Car Insurance Factors in Gilbert

Auto insurance is not only based on individual-specific factors but also on factors pertaining to the city of Gilbert.

Factors affecting car insurance rates in Gilbert, AZ may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Gilbert, Arizona car insurance.

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In this section, we will review how Gilbert can uniquely influence your auto insurance rate.

Metro Report — Growth & Prosperity

Gilbert has been growing rapidly over the last few decades. The population of the suburb of Phoenix has grown from 5,717 in 1980 to an estimated 250,000 in 2018.

The most prominent industries in Gilbert are healthcare, education, and finance. Being a suburb of Phoenix, Gilbert is impacted by the economic activity in the Phoenix Metropolitan Area.

According to the Brookings Institution, the Phoenix metro area ranked 57th in growth and 90th in prosperity between 2007-2017.

  • Prosperity (90th)
    • Productivity: -0.2 percent (87th of 100)
    • Standard of living: -10.3 percent (95th of 100)
    • Average annual wage: +3.1 percent (78th of 100)
  • Growth (57th)
    • Jobs: +6 percent (51st of 100)
    • Gross metropolitan product (GMP): +5.7 percent (76th of 100)
    • Jobs at young firms: -13.6 percent (46th of 100)

The standard of living in the Phoenix metro area has declined during the last decade. Although this includes other cities in the Phoenix metro area; however, it certainly means that Gilbert has also been negatively impacted.

In the adverse scenario, it certainly is advisable to maintain reliable insurance coverage to protect your investment and assets.

Median Household Income

According to DataUSA, the median household income in Gilbert is $87,566, which is much higher than the national median household income of $60,336.

The household income is also expected to rise, given the rise in job availability and accompanying wages.

Although the auto insurance rates in Gilbert are higher than the average rates in Arizona. However, given the high median household income, the residents of Gilbert pay a smaller proportion of their income toward maintaining their auto insurance coverage.


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You can also check how much of your income goes towards auto insurance by using our free calculator:


Homeownership in Gilbert

While being a homeowner does not directly impact your auto insurance rates or the ability to qualify for a plan, it may help you get some discounts.

According to DataUSA, the median property value in Gilbert is $286,400, which is considerably higher than the national median property value of $193,500.

Despite the price, 72 percent of the housing units in Gilbert were occupied by their owners. This is also considerably higher than the national occupancy rate of 63.9 percent.

Education in Gilbert

Your education is an important factor while determining your insurance rates. Insurance companies consider higher education as an indicator of lower risk.

Education in Gilbert is mainly focused on healthcare with the top three courses being:

  • Phlebotomy Technician (154 degrees awarded)
  • Veterinary Technician & Veterinary Assistant (99 degrees awarded)
  • Nursing Assistant & Patient Care Assistant (95 degrees awarded)

The only large educational institution in the city of Gilbert is the Pima Medical Institute-East Valley, which awarded 537 degrees in 2016.

Wage by Race & Ethnicity in Common Jobs

Asians, Whites, and Alaskan Natives are the highest-paid ethnicities in Gilbert.

Here’s the table summarizing the average annual wage organized by ethnicity:

Alaskan Native$40,845

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Wage by Gender in Common Jobs

How much percentage of your income goes toward your car insurance is also dependent on your gender.

This is because of the gender-based wage disparity in Gilbert. The average annual male salary in Gilbert is $60,619, whereas the average annual female wage is $46,169.

This clearly shows that females have to shell out a larger percentage of their income to maintain identical auto insurance coverage.

Poverty by Age & Gender

Only 5.9 percent of residents in Gilbert live below the poverty line. This is remarkably less than the national poverty rate of 13.4 percent.

Unsurprisingly, the top three demographics living below the poverty line are all females.

DemographicsPoverty share (%)
Females 25-3410.7
Females 35-448.5
Females 18-246.6

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The top three demographics makes about a quarter of the people living below the poverty line.

Auto insurance rates are considerably tougher to maintain for people living below the poverty line. Not only auto insurance takes a larger share of their income, but also the insurance rates are considerably higher for people living below the poverty line.

Poverty by Race & Ethnicity

Whites constitute the largest share (68.3 percent) of people living below the poverty line. This is understandable given the fact more than 80 percent of the residents belong to the white ethnicity.

Employment by Occupations

In 2017, there were 114,000 people employed in Gilbert across various occupations. The top three occupations in the city are management occupations (8.4 percent), computer specialists (4.1 percent), and registered nurses (3.1 percent).

Driving in Gilbert

We discussed how your driving record is an important factor in determining your auto insurance rate.

However, your driving record is dependent on your knowledge of road rules and conditions. In this section, we will discuss the road condition in Gilbert, along with other factors such as speed traps and vehicle thefts.

Roads in Gilbert

We may always prefer one route over the other, probably due to road conditions, traffic, or scenery. Hopefully, you have a drive that you prefer. If not, in this section, we will discuss roads in the city and the respective conditions.

Major Highways in Gilbert

The fifth-largest city in the Phoenix Metropolitan Area is connected through state highways and major arterial roads. The city is well connected with other cities in the Phoenix Metropolitan Area.

Here’s the road map of Gilbert:

Gilbert is connected via Arizona State Highway 87, Superstition Freeway, and Santan Freeway.

Popular Road Trips/Sites

Gilbert is one of the most prosperous cities in the United States and, therefore, has much to offer to residents and visitors. Some things that you can enjoy while you are in the city include:

  • Hale Centre Theatre
  • Gilbert Historical Museum
  • Water Ranch
  • Freestone Park
  • Rotary Centennial Observatory

You can also find more exciting things to do in Gilbert in this video:

Road Conditions in Gilbert

The roads in Gilbert are generally in good condition. But you can always check the AZ 511 app for real-time traffic and road closure updates in Gilbert.

If you are moving to Gilbert, you can watch this video to get a feel of the road conditions and traffic in your new city:

Does Gilbert use speeding or red light cameras?

Arizona uses red light and speeding cameras in its major cities to deter motorists from breaking laws. However, Gilbert does not have red light or speeding cameras.

You need to be careful, though, as all the other cities in the Phoenix Metropolitan Area (Phoenix, Mesa, Chandler, Scottsdale, and Tempe) have red light and speeding cameras installed.

Vehicles in Gilbert

Residents in Gilbert prefer to drive their cars for the daily commute. Probably due to inadequate public transportation network or good roads, people in Gilbert love their cars.

In this section, we will see how the car you drive can impact your auto insurance rate.

Most Popular Vehicles Owned

While we could not find the most preferred car for Gilbert specifically, according to YourMechanic.com, Nissan’s 350Z is the most popular car in the Phoenix area.

Nissan 350Z is a two-door, two-seater sports car manufactured between 2002-2009.

Watch this video to learn what made Nissan’s 350Z a success:

The 350Z was a safe car to drive. Even though the National Highway Traffic Safety Administration did not give an overall rating for the car, they rated the front crash safety as four.

However, the 350Z was not a very fuel-efficient car. The efficiency figure for the car was 20 mpg, with it giving around 25 mpg on the highway and 18 mpg in the city.

The government estimated that your average fuel cost per year would be around $2,500.

How Many Cars Per Household

Given how important a car is for transportation in Gilbert, most of the households own two cars. Some households own three cars. We see that two cars per household are fairly standard across the country.

Households Without a Car

It is staggering that only 1.7 percent of households in Gilbert does not own a car. This is significantly lower than the national average of approximately 4 percent.

Not owning a car doesn’t mean that you can not buy auto insurance coverage. If you drive occasionally, you can choose to buy a non-owners policy that provides cheap coverage for your occasional drive.

Speed Traps in Gilbert

We saw earlier that insurers would increase insurance rates if you are caught speeding. This can come as a rude shock to you, but this will be over and above the fines that you may have to pay to the law enforcement.

It is always advisable to drive within the posted speed limits. It helps keep everyone on the road safe.

To deter motorists from over-speeding, law enforcement in Gilbert has several speed traps in the city.

Vehicle Theft in Gilbert

According to the Federal Bureau of Investigation, law enforcement in Gilbert reported a total of 152 vehicle thefts in 2018.

However, Gilbert is a relatively safe city. According to neighborhoodscout.com, Gilbert is safer than 47 percent of the U.S. cities.

Compared to the overall crime statistics of Arizona, Gilbert is a much safer city. You have one in 197 chance of becoming a victim of violent crime in Arizona, whereas it is only one in 1,171 in Gilbert.

These are the safest neighborhoods in Gilbert:

  • S Higley Rd
  • E Queen Creek Rd / S Val Vista Dr
  • S Recker Rd / E Happy Rd
  • S Higley Rd / E Chandler Heights Rd
  • S Ponderosa Dr / E Derringer Way
  • S Recker Rd / E Germann Rd
  • E Williams Field Rd / S Power Rd
  • S Higley Rd / E Elliot Rd
  • S Val Vista Dr / E Ray Rd
  • E Arrowhead Trl / S Joshua Tree Ln

Traffic in Gilbert

While we like our cars, but nobody wants to get stuck in traffic. It reduces overall productivity and increases vehicular pollution.

In this section, we will look at various factors related to traffic in Gilbert.

Traffic Congestion

The good thing about living in Gilbert is there is little congestion compared to the other cities in the Phoenix Metropolitan Area.

You can stay ahead of traffic by using the AZ 511 app or website like localconditions.com.


Though Gilbert does have lower congestion, being a suburb, many residents need to commute to Phoenix daily.

According to DataUSA, commuters in Gilbert spend around 25.6 minutes on their daily commute. This is nearly equal to the average amount of time spent by daily commuters in the country (25.1 minutes).

However, because of the long commute to Phoenix, around 18 percent of the residents have a daily commute over 45 minutes.

Due to the lack of public transportation options, more than 80 percent of commuters prefer to drive alone for their daily commute, and around 8 percent opt for carpooling.

How safe are Gilbert streets & roads?

To understand the relative safety of the roads in Gilbert, we can refer to the data provided by the National Highway Traffic Safety Administration. However, the data from NHTSA is at the county level.

Gilbert is part of the Maricopa County that is seated in Phoenix. The county is fourth-most populous in the country. Apart from Gilbert, other towns in the county include Phoenix, Mesa, Chandler, Scottsdale, etc.

Maricopa County is the largest county in Arizona and is the worst in terms of traffic fatalities. In the table below, you can see the traffic fatalities in the top 10 counties of Arizona.

Arizona Counties by 2018 Ranking20142015201620172018
Maricopa County367405478462490
Pima County8893111114125
Pinal County4555627171
Navajo County3943315256
Coconino County4558504747
Yavapai County4247415544
Mohave County2949534343
Yuma County3316182631
Gila County1731192624
Apache County2649354723
Top Ten Counties731849906943954
All Other Counties4246455555
All Counties7738959519981,009

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The number of traffic-related fatalities has constantly been increasing in Maricopa County and there were registered 490 deaths in traffic-related incidents in 2018.

According to the National Highway Traffic Safety Administration, these are the main causes of traffic-related fatalities in Maricopa County:

Fatalities (All Crashes)367405478462490
Fatalities in Crashes Involving an Alcohol-Impaired Driver77115131121139
Single Vehicle Crash Fatalities206200258239289
Fatalities in Crashes Involving a Large Truck by County for 20172821303833
Fatalities in Crashes Involving Speeding111132148138131
Fatalities in Crashes Involving an Intersection141163180172168
Passenger Car Occupant Fatalities103126121120140
Pedestrian Fatalities9197131138160
Pedalcyclist Fatalities1814222210

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Single-vehicle crashes followed by intersection-related accidents are the biggest reasons for traffic-related fatalities in Maricopa County.

We also refer to another database of the National Highway Traffic Safety Administration to find out which roads are less safe to drive in Maricopa County:


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It seems that Other Principal Arterial Roads are the most fatal kind of roads in Maricopa County. If you want to understand how NHTSA classifies different types of roads, you can read the definition on their website.

Allstate America’s Best Drivers Report

Allstate comes out with a periodic study on driving behavior across 200 major cities in the country. It helps us figure out the relative driving experience in different cities of our vast country.

2018 Best Drivers Report Ranking21st
Average Years Between Claims10.3

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In terms of driving behavior, Gilbert ranks 21st among 200 cities in the U.S. The good driving behavior results in an average of 10.3 years between claims filed by drivers.


In the absence of public transportation, ridesharing is an excellent alternative as it not only lowers congestion but also improves air quality.

Following ridesharing options are available in Gilbert:

  • Blacklane
  • Lyft
  • Traditional taxis
  • Uber

E-star Repair Shops

In case of an accident, you have an urgent problem: where to find a reputable repair shop?

Esurance created the E-star network that provides a list of reputable and top-quality repair shops near your location.

There are two E-star repair shops in Gilbert:

2018 Best Drivers Report Ranking21st
Average Years Between Claims10.3

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Weather in Gilbert

Gilbert has a desert-type climate with hot and dry summers and mild to warm winters.

In the table below, you can see the quick snapshot of the weather in Gilbert:

Average Annual High Temperature107°F
Average Annual Low Temperature40°F
Average Temperature73.5°F
Average Annual Rainfall9 inches
Sunshine days296

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Gilbert gets only an average of nine inches of rainfall every year, whereas the national average is 38 inches.

The Gilbert area is prone to high earthquake activity. It is 405 percent greater than the U.S. average earthquake activity. However, the city has also faced other natural disasters such as floods (10), storms (nine), and fires (three).

Public Transit in Gilbert

Gilbert does not have an adequate public transportation system. Valley Metro provides bus connectivity to and from Gilbert. However, there are only seven bus routes plying in Gilbert.

Residents can also use a ride-matching system called ShareTheRide. It is a free service that helps commuters to quickly and securely find a carpool, vanpool, and more.

Cost of Alternate Transportation in Gilbert

The Gilbert Town Council introduced a Micromobility Pilot Program in March 2019. The program specifies guidelines for companies providing alternate transportation options such as e-scooters or dockless scooters.

Companies such as Lime, Bird, and JUMP (from Uber) have already started operating in the city and nearby areas. Under the pilot program, these companies need to pay a one-time registration fee of $2,500, and after that, $0.10 per ride to the city council.

In case you are interested in riding these e-scooters remember the following safety tips:

Parking in Gilbert

Gilbert has plenty of parking — even in the downtown heritage district. There are several empty parking lots that you can use around the city. The city does not use parking meters and follows a shared parking model.

The city also has a 364-space parking structure on the corner of Vaughn Avenue and Ash Street. Gilbert City Council is also developing another parking garage downtown for $14 million.

Air Quality in Gilbert

Considering Gilbert is part of Maricopa County, the air quality in the city is about average. We know the cars contribute to air pollution, and with so many residents using cars for daily transportation, local air pollution can increase.

According to the Environmental Pollution Agency (EPA), here’s the summary of air quality in Gilbert:


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Gilbert had good quality air for only 54 days in 2018, whereas the air quality was unhealthy for 64 days.


Although there are no military bases in Gilbert, there is the Luke Air Force Base in Phoenix. The Luke AFB trains F-16 fighters for our Air Force.

Gilbert also has a large population of military personnel who have served in Vietnam and the Gulf Wars.

We are deeply thankful to all who have served!

The following insurers provide discounts for military personnel:

  • USAA
  • Allstate
  • Esurance
  • Farmers Insurance
  • Geico
  • Liberty Mutual
  • Metlife
  • State Farm

Here are the average insurance rates in Arizona:

Allstate $4,904.10 30.05
Nationwide $3,496.08 -7.29
Geico $2,264.71 -39.94
USAA $3,084.29 -18.21
StateFarm $4,756.25 26.13
Progressive $3,577.50 -5.13
Travelers $3,084.74 -18.2
Farmers $5,000.08 32.59

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USAA is generally the most cost-effective insurer for military personnel; however, in Arizona, you can also seek quotes from Geico for maximum discount.

However, these are average rates for Arizona, and the average rates and discounts for Gilbert might differ.

Unique City Laws

Every state has some unique laws in our country. Arizona has a “Stupid Motorist Law” that states if any driver bypasses barricades and gets stuck in a flood, they will be charged for the cost of their rescue.

Here are some unique laws in Gilbert:

Handheld Device Laws

Arizona was one of the few states that allowed cellphone usage while driving. However, in April 2019, the state banned the use of handheld devices while driving a car. You can not hold your devices to send messages, talk, browse the internet, or see maps.

You can use maps and talk in hands-free mode if you are using a car-mounted cell phone.

However, these laws are not enacted until 2021. Until 2021, police can only issue warnings for cellphone usage.

From January 1st, 2021, police can issue fines that will range between $75-$149 for the first offense and $150-$250 for a subsequent violation.

Food Trucks

Food trucks enjoy a surge in popularity across the nation. Gilbert also changed the laws in 2017 to allow food truck vendors to operate comfortably while ensuring they maintain basic safety standards.

You can review the essential requirements laid down by the Gilbert City Council in this brief reference guide for food truck vendors.

Tiny Homes

With rising housing costs and stagnant wages, people are increasingly warming up to the idea of tiny homes. Although Gilbert does not seem to have any specific guidelines for tiny homes, you can refer to the guidelines for Arizona to set-up your tiny home in Gilbert.

Gilbert Car Insurance FAQs

Let us review some routinely asked questions on car insurance in Gilbert:

Which is the best car insurance company for young drivers in Gilbert, AZ?

Geico and USAA seem to provide the most economical rates for young drivers in Gilbert. While State Farm may charge a 17-year-old male driver $12,463, Geico may offer a rate of around $5,134.

How can young drivers get cheap insurance?

Although young drivers can hope to reduce their insurance rates as they gain experience, they can do the following to reduce immediate premium amount:

  • Add yourself to the policy of an old driver
  • Choose a cheap first car
  • Ensure the car has safety features that can count for discounts
  • Keep a clean driving record

 Is Arizona a no-fault or at-fault state?

Arizona is an at-fault state, which means the court will decide the at-fault party that caused an accident and/or their injuries.

What is the penalty for not having car insurance in Arizona?

For first the offense, you can be fined $500 and face the suspension of your license and registration.

If you are again caught driving without insurance, you will have to pay a fine of $750, and your license and registration will be suspended for a minimum of six months. You will also have to surrender your license plates.

 What is the minimum amount of coverage required to drive in Gilbert?

The minimum liability coverage required in Gilbert, AZ, is:

  • Bodily Injury Liability — $15,000 for one person / $30,000 per accident
  • Property Damage Liability — $10,000 per accident

You can start your comparison shopping today using our FREE online tool. Enter your ZIP code below to get started!


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  2. https://www.fhwa.dot.gov/
  3. https://www.quadinfo.com/
  4. https://www.census.gov/
  5. https://www.yourmechanic.com/article/the-most-popular-cars-in-american-cities
  6. https://www.nhtsa.gov/vehicle/2008/NISSAN/350Z/2%252520DR/2WD
  7. https://www.officialdata.org/cars/Nissan/350z
  8. https://datausa.io/profile/geo/gilbert-az/#num_vehicles
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  17. https://www-fars.nhtsa.dot.gov/States/StatesCrashesAndAllVictims.aspx
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  19. https://ride.guru/cities/gilbert-arizona-united-states-of-america
  20. https://www.weather-us.com/en/arizona-usa/gilbert-climate
  21. http://www.city-data.com/city/Gilbert-Arizona.html
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  23. https://www.sharetheride.com/public/Home.aspx
  24. https://www.epa.gov/outdoor-air-quality-data/air-quality-index-report
  25. https://www.gilbertaz.gov/home/showdocument?id=10137

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