Car insurance in Gilbert, Arizona [Rates + Comparison Guide 2020]

The average rates for car insurance in Gilbert, AZ, are $339.98/mo. Arizona requires 25/50/15 in minimum liability coverage from all drivers.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 19, 2020

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GilbertStatistics Summary
Density5,642 people per square mile
Average Cost of Insurance in Gilbert$4,079.78
Cheapest Car Insurance CompanyGeico
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Welcome to Gilbert, once known as “Hay Shipping Capital of the World,” and more recently, Phoenix’s coolest suburb. Whether you’ve come to Gilbert to check out the food scene, explore the desert, or reside in one of the safest cities in the country, you’ve picked the perfect town.

Gilbert is home to 232,176 people and is Arizona’s sixth-largest municipality. Well known for its sunny, warm days and cool nights, it is home to a growing population centered around the southwestern lifestyle.

With so many things to do and sites to see, the streets filled with pedestrians, taxis, and all makes and models of transportation, driving can be tricky. Accidents can and do happen, and that can make your car insurance go up. Are you prepared? Do you have the right coverage for your current lifestyle?

In this comprehensive guide, we’re going to show you rates, company comparisons, and other specific factors that make Gilbert such a great place to live.

Ready to search for insurance? Enter your ZIP code for FREE in our tool above.

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Table of Contents

The Cost of Car Insurance in Gilbert

The average cost of car insurance in Gilbert is over $4,079 per year. Car insurance rates are based on many factors, such as age, marital status, and whether you live in Val Vista Lakes or closer to Power Ranch.

Did you know there are ways to save money on your car insurance?

In this section, we’re going to show you specific rates on what drivers pay for car insurance in Gilbert based on some of these factors. Of course, these rates are average, and your rates can be higher or lower, depending upon your circumstances.

Male vs. Female vs. Age in Gilbert

Age plays a significant role when it comes to the cost of car insurance. Not only do folks 55+ get discounts on everything from food to hotels, but they also pay less for car insurance. Not so for young drivers, who pay more for their car insurance than any other demographic.

What about gender? Excluding seven states (CA, HI, MA, MT, PA, NC, and parts of MI), insurance rates differ by gender across the country.  Again, young drivers, especially male young drivers have the most expensive rates.

According to DataUSA, the mean age in Gilbert is 33.6 years.

Let’s review the average rates charged by insurance companies in Gilbert for different age groups. The table below shows what you’ll pay for car insurance based on your age.

Average Annual Rate$8,651.32$2,914.52$2,556.05$2,371.85
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As the data shows, as drivers mature, their rates decrease over time by thousands of dollars.

Considering popping the question? Make sure you let your insurance provider know they said yes, and see if it will impact the price you pay for your car insurance. It’s not surprising that marital status plays a significant role in determining car insurance rates. Research shows that married drivers are less risky and file fewer claims.

Check out the table below to see how your rates compare.

DEMOGRAPHICAverage Annual Rates
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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Rates for married couples are nearly identical for those in their 30s.

Cheapest ZIP Codes in Gilbert

Where you live in Gilbert can also impact how much you pay for car insurance.

Large metropolitan areas have certain areas plagued with poverty, crime, and decay. If you live in those neighborhoods, you can pay more for your car insurance. However, Gilbert is known for being one of the safest cities in the country.

Check out the table below to see how much you pay for car insurance based upon where you reside.

Zip CodeAverage Rate
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It’s good news for Gilbert residents, because only $200 separates the highest and lowest premiums.

What’s the best car insurance company in Gilbert?

Who is the best car insurance company in Gilbert?

The word best can mean different things to different people. In the sections below, we’ll explain what’s considered best, in various categories, to see if it can help you save money on your car insurance.

Cheapest Car Insurance Rates by Company in Gilbert

Most of us are looking for ways to save money. From clipping coupons to eating more often at home, saving money is a great way to build a nest egg and prepare for the future. What about car insurance?

Have you considered shopping for cheap car insurance? Who’s the best? Most of the top providers are licensed in Gilbert. For your convenience, we listed those companies, and the average annual cost, in the table below.

CompanySingle 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 male
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
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
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Geico has the cheapest rates for drivers in their 20s, 30s, and 60s, besides USAA. If you are unfamiliar with USAA, the company only insures those in the military or are military-affiliated.

Progressive and Travelers also offer less expensive rates, so if “best” means cheap rates, any of these providers will be a great choice.

Best Car Insurance for Commute Rates in Gilbert

In Arizona, according to the Federal Highway Administration, drivers average more than 12,829 miles driven each year, which is less than the national average of 14,312. How far do you commute? Did you know your daily commute has an impact on your car insurance rate?

We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance. Check out the chart below to see how your commute stacks up against what others pay.

Company10 miles commute / 6,000 annual mileage25 miles commute / 12,000 annual mileageAverage
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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Most companies don’t offer a less expensive rate based on your commute, but of those that do, State Farm leads the way with savings over $350. American Family and Geico have similar reductions of less than $100.

Best Car Insurance for Coverage Level Rates in Gilbert

Have you considered that having the lowest minimum coverage in Gilbert is the best way to make sure you and your family are protected? Sometimes, that’s not necessarily the case, because the difference in low to high coverage is less than you think.

Check out the table below to see the differences in coverage.

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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If you’re a customer with Nationwide, it’s good news, because there’s only a $340 difference between low and high coverage. However, the news isn’t so good if you’re an American Family customer, because their rates are more than $1,500 higher between low to high coverage.

You might ask, what is high or low coverage?

Low coverage is the state-mandated minimum coverage required to drive legally in the state of Arizona.

The minimum auto insurance coverage (effective July 1, 2020) needed in Arizona is:

  • Bodily Injury Liability – $25,000 for one person with a total of $50,000 per accident
  • Property Damage Liability – $15,000 per accident

However, you should consider adding important coverages for increased protection.

For high coverage, you can consider increasing your liability limits and opting for the following relevant coverages:

Best Car Insurance for Credit History Rates in Gilbert

Having good credit is essential if you don’t want to pay higher rates from car loans to mortgages. But did you know poor credit can also affect how much you pay for car insurance?

The following table shows how much rates can vary by credit score among the top providers.

American Family$3,681.66$4,271.68$5,731.38$4,561.57
State Farm$2,345.83$3,742.60$9,662.25$5,250.23
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The average credit score in the U.S. is 675. If your credit score is lower than this, you may face increased rates on car insurance. In some states, poor credit can raise your rates by thousands of dollars. If your insurance provider is State Farm and you have poor credit, your rates can be $7,300 more than someone with good credit.

Best Car Insurance for Driving Record Rates in Gilbert

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.

The table below shows rates with these three violations compared to the rate for a clean record.

CompanyClean 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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Having one too many can not only land you in jail, but it can cost you thousands on your car insurance. For example, a DUI will increase your rates by $7,300  if you have car insurance through State Farm. Your rates will vary, and we encourage you never to drink and drive.

Car Insurance Factors in Gilbert

Car insurance rates are not based solely on the driver-specific factors which we’ve mentioned above. Rates are also calculated on city-specific factors such as your ZIP code, economic prosperity in your city, and average income levels.

In this section, we’ll discuss how these external factors influence your car insurance rates in Gilbert.

Metro Report – Growth and Prosperity in Gilbert

Gilbert has grown rapidly over the last four decades. The Phoenix suburb had grown from 5,717 in 1980 to an estimated 250,000 in 2018. The most prominent industries in Gilbert are healthcare, education, and finance.

This video explains more:


Being a suburb of Phoenix, Gilbert is impacted by the economic activity in the Phoenix Metropolitan Area. According to the Brookings Institute, the Phoenix metro area ranked 57th in growth and 90th in prosperity between 2007-2017.

It ranked 90th overall in prosperity.

  • 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)

It ranked 57th in growth.

  • 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)

What does a healthy economy mean to you as a car insurance consumer? Competition for your business is fierce among car insurance companies, which translates to better rates for you when you set out to purchase your policy.

Median Household Income in Gilbert

According to DataUSA, the median household income in Gilbert is $87,566, whereas the national median household income is $60,336.

However, in 2017, the average median income in Gilbert was $87,566. This means income has increased by 2.32 percent. Car insurance premiums average $4,079. Therefore, the premium as a percentage of income for the average Indianapolis resident is 4.66 percent.

If you want to compare your insurance as a percentage of your income, use the calculator below to get started.

Homeownership in Gilbert

Owning a home is a dream many of us have and may impact what rates you pay for insurance. Homeownership indicates the general health of the local economies, and insurers usually consider it to be a good indicator of your financial stability.

Being a homeowner won’t directly impact your auto insurance rates or your ability to qualify for a plan. But there may be additional discounts you are eligible for, so be sure and check with your provider.

In 2017, about 72 percent of homes in the Gilbert area was occupied by the people who own them. This number was up from 53 percent from the previous year.

If you are thinking of buying a home in the Gilbert area, it’s good to know that the median property value is around $286,400.

Education in Gilbert

Options are limited if you want to further your education in Gilbert. The only large educational institution in the city of Gilbert is the Pima Medical Institute-East Valley, which awarded 537 degrees in 2016.

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

  • Phlebotomy Technician: 154 degrees awarded
  • Veterinary Technician and Veterinary Assistant: 99 degrees awarded
  • Nursing Assistant and Patient Care Assistant: 95 degrees awarded

Although the city has limited choices, being a suburb of Phoenix does have advantages. There are many colleges and universities around the Phoenix area that offer a varied assortment of programs and degrees.

The largest of these are:

  • University of Phoenix (Arizona) with a student body of 195,059
  • Grand Canyon University with a student body of 62,304
  • Arizona State University with a student body of 50,320

Also, Chandler-Gilbert Community College – Pecos Campus is located south of Gilbert and offers additional opportunities for furthering your education.

Wage by Race and Ethnicity in Common Jobs in Gilbert

According to DataUSA, Asians are the highest-paid ethnicity in Gilbert, followed by whites and Native Alaskans. The following table lists the average salaries for the demographics mentioned above.

RACE & ETHNICITYAverage Salaries
Alaskan Native$40,845
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Wage by Gender in Common Jobs in Gilbert

For every dollar a man earns, a woman earns just 79 cents. Although the wage gap is closing among male and female workers, there is still room for improvement.

According to DataUSA, the average male salary in Gilbert is $60,691, while the average female wage is $46,169.

Poverty by Age and Gender in Gilbert

In Gilbert, only 5.9 percent of the city’s population lives below the poverty line, while the national average is 13.4 percent. Females aged 25-34 are the largest demographic living below the poverty line, at 10.7 percent of the population. Additionally, females aged 35-44 are the second-largest demographic living below the poverty lines, at 8.5 percent, followed by females 18-24, at 6.6 percent.

Poverty by Race and Ethnicity in Gilbert

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

Employment by Occupations in Gilbert

Gilbert employs more than 114,000 people across different industries. The largest employers in the city are management occupations (8.4 percent), computer specialists (4.1 percent), and registered nurses (3.1 percent).

Food preparation and serving-related occupations make up 4.27 percent of the workforce.

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Driving in Gilbert

We’ve mentioned that your credit score, driving record, education level, and other factors contribute to the cost of car insurance. But insurance companies also base rates on the car you drive, road conditions, traffic congestion in your area, crime reports, and so much more.

Roads in Gilbert

Even though Gilbert is a smaller city, it is still considered a suburb of Phoenix. If you’re new to town, there are bound to be certain roads that are confusing and disorienting. Your GPS wants you to turn left, but somehow, you’ve managed to turn into a dead-end street and your device goes into “recalculating mode.”

In this section, we’ll cover the highways and interstates and help you calculate which way you need to go so you’ll never make another wrong turn.

Major Highways in Gilbert

Gilbert isn’t the largest city in Arizona, but it does have several highways that connect it to many parts of the region.

Here’s the road map of Gilbert:

Gilbert road map

Gilbert is connected via Arizona State Highway 87, Superstition Freeway, and Arizona State Highway 202, known as the Santan Freeway, which has access to Phoenix-Mesa Gateway Airport.

Popular Road Trip Sites in Gilbert

Gilbert is well known for its history as being once known as “Hay Shipping Capital of the World,”  but what other attractions and sites are available for tourists to discover and enjoy?

This video tells us more:

There is lots of great stuff in the video, and if you want to dive deeper into some of the places mentioned, check out the linked list below:

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.

Since Gilbert is a suburb of Phoenix, we wanted to present specific information about conditions in Phoenix compiled by Here’s how the percentages break down:

  • Poor Share: 23 percent
  • Mediocre Share: 29 percent
  • Fair Share: 20 percent
  • Good Share: 27 percent

Poor road conditions cost the average Phoenix driver over $550 yearly in vehicle operating costs.

Does Gilbert use speeding or red light cameras?

Gilbert does not have red light or speeding cameras installed to deter speeding. However, if you’re leaving the city limits, you should be careful, because all other cities in the Phoenix Metropolitan Area utilize this technology to control speeding and other driving infractions.

Vehicles in Gilbert

Your insurance rate is also dependent on various factors, such as what car you drive and if it’s on the theft list. In this section, we’ll cover these topics and more.

Most Popular Vehicles Owned in Gilbert

Although the city of Gilbert didn’t make the list for most popular vehicle owned, Phoenix did, and drivers chose the Nissan 350Z as their preferred vehicle, according to

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

This video explains why they’re a favorite of Phoenix residents:

Drivers in Phoenix loved the 350Z but were not crazy about the size or fuel economy. The Nissan sports car averages 18 mpg in the city and 25 mpg on the highway, plus, as a two-seater doesn’t allow much room for cargo or passengers.

How Many cars Per Household in Gilbert

In Gilbert, the average family has two cars.

Gilbert doesn’t have an extensive mass transit system, so most residents of the city have a car. Furthermore, in 2017, less than 2 percent of households in the city didn’t have a personal vehicle.

Not owning a car doesn’t mean you shouldn’t buy a car insurance policy. Many car insurance companies offer non-owner car insurance for people who drive on occasions, even if they don’t personally own a vehicle.

Speed Traps in Gilbert

According to the website, residents report that Gilbert has numerous speed traps throughout the city.

The following video explains more:

Hopefully, getting caught in a speed trap isn’t something you have to worry about, because you always obey posted speed limit signs when driving. One of the best ways to keep your car insurance premiums low is not to get a speeding ticket.

Vehicle Theft in Gilbert

According to the FBI, 152 vehicle thefts occurred in Gilbert in 2018. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more frequently and may have higher insurance rates.

But how safe is Gilbert? According to, 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, while 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

Whether you live in a neighborhood that isn’t safe or in one where there are no issues, it’s always a good idea to have extra coverage on your vehicles to protect your investment.

Traffic in Gilbert

Waiting. Stressing. Aggravation. We’ve all been there.

Traffic. It’s the worst. All of us would rather be doing anything else but wasting time going nowhere.

Traffic Congestion in Gilbert

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 websites like, especially if you need to commute into the greater Phoenix area where traffic and congestion can be an issue.

Transportation in Gilbert

According to DataUSA, the average commute time in Gilbert is 25.6 minutes, which is higher than the national average of 25.1 minutes. However, because many residents commute to Phoenix, about 18 percent of the residents have a daily commute over 45 minutes.

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

How safe are Gilbert streets and roads?

To understand the safety of roads in Gilbert, we can refer to data provided by the National Highway Traffic Safety Administration. However, the data from NHTSA is at the county level. Gilbert is in Maricopa County, as well as Phoenix, Mesa, and Scottsdale, among others.

The following chart shows the fatalities by county for the state of Arizona from 2013-2017.

County2013 Fatalities 2014 Fatalities2015 Fatalities 2016 Fatalities 2017 Fatalities
La Paz1311191818
Santa Cruz88636
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Maricopa County, which includes Gilbert, has had the highest number of traffic fatalities in the state over the past few years.

Some of these fatal accidents include drivers who are under the influence. Take a look at the data below to see what this means to you as a resident of Gilbert.

County2013 Alcohol Fatalities2014 Alcohol Fatalities2015 Alcohol Fatalities2016 Alcohol Fatalities2017 Alcohol Fatalities
La Paz21233
Santa Cruz33101
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Maricopa County is the leader in these types of fatal car accidents. The county is also out front when it comes to single-vehicle crash fatalities.

County2013 Single Vehicle Crash Fatalities2014 Single Vehicle Crash Fatalities2015 Single Vehicle Crash Fatalities2016 Single Vehicle Crash Fatalities2017 Single Vehicle Crash Fatalities
La Paz96131210
Santa Cruz46335
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According to the National Highway Traffic Safety Administration, these are the main causes of traffic-related fatalities in Maricopa County.

Types of Crashes20142015201620172018
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 stat from the National Highway Traffic Safety Administration to find out which roads are the most dangerous to drive in Maricopa County.

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Other Principal Arterial Roads are the most fatal kind of roads in Maricopa County. You can check out their website to find out definitions and other information about Maricopa County.

Allstate America’s Best Drivers Report

In 2019, Allstate created a list of the top cities where drivers are least likely to get into a car accident. Gilbert drivers are doing great, ranking 21st out of 200 cities.

Needless to say, more accidents equal more insurance claims, thus driving up premiums.

An average driver in Gilbert spends 10.3 years between claims, whereas the national average is 10.6 years.

Ridesharing in Gilbert

According to RideGuru, the following rideshare services are available in Gilbert:

  • Blacklane
  • Lyft
  • Traditional taxis
  • Uber

E-star Repair Shops in Gilbert

Has your car broken down, and you’re not sure where to take it? Esurance created an E-star repair shop network that provides a list of reputable and top-quality repair shops near your location.

Gilbert has two E-star Repair Shops:

Email: [email protected]
P: (480) 632-4747
F: (480) 497-0786
SERVICE KING GILBERT1572 W. Harvard Avenue
Email: [email protected]
P: (480) 507-8778
F: (480) 507-8194
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Weather in Gilbert

The weather. Everyone’s favorite topic. What’s the weather like in Gilbert, you may be wondering?

  • Annual high temperature: 106 F
  • Annual low temperature: 40 F
  • Average temperature: 73.5 F
  • Average annual precipitation: Nine inches (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

While most people choose to drive personal vehicles in the Gilbert area, there are other options besides ridesharing. Valley Metro provides bus connectivity to and from Gilbert. However, only seven bus routes are operating in the city.

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.

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 must pay a one-time registration fee of $2,500, and after that, $0.10 per ride to the city council.

Be aware, though, that some of these places might make you sign an insurance waiver or pick up rental insurance.

Parking in Metro Areas in Gilbert

Parking in Gilbert is plentiful, even downtown. There are multiple empty parking lots that you can use around the city. The city doesn’t use parking meters and follows a shared parking model.

Gilbert also has a 364-space parking structure on the corner of Vaughn Avenue and Ash Street. The Gilbert City Council is also developing another parking garage downtown for $14 million to accommodate the growing population and demands for more such spaces.

Air Quality in Gilbert

The more cars on the road, the higher the chances of pollution being in the area, which leads to poor air quality. According to the Environmental Protection Agency (EPA), the Phoenix-Mesa-Scottsdale area enjoyed both good days and bad days in between 2016 and 2018.

The following chart explains more:

Phoenix-Mesa-Scottsdale Air Quality Index201620172018
Good Days263242
Moderate Days265238238
Days Unhealthy for Sensitive Groups678266
Days Unhealthy5117
Days Very Unhealthy3212
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Folks in the Phoenix Metro Area enjoyed only 42 good quality air days in 2018.

Military/Veterans in Gilbert

Although no military installations are within the city limits of Gilbert, there are 11 military installations in the Phoenix area. They include Luke Air Force Base, the U.S. Defense Investigation Services outpost, the Arizona National Guard Post at Papago Park, and the U.S. Marine Corps base off of Interstate 17.

In Gilbert, the majority of military personnel and veterans have served in Vietnam and the Second Gulf War.

If you are a veteran or in the military, the following providers offer military discounts:

  • Allstate
  • Esurance
  • Framers
  • Geico
  • Liberty Mutual
  • MetLife
  • SafeAuto
  • State Farm
  • The General
  • USAA

Phoenix has numerous military installations, including Luke Air Force Base, the Arizona National Guard Post at Papago Park, and the U.S. Marine Corps base off of Interstate 17.

To all military personnel, we salute and thank you for your service.

Unique Gilbert Laws

A fascinating law not just in Gilbert, but active statewide is called The Stupid Motorist Law. This law makes anyone who bypasses barricades and gets caught in a flooded area liable for the costs if they require emergency assistance.

Anyone riding a horse or driving a horse-drawn carriage is also held accountable to the same rights and responsibilities as a person operating a motor vehicle. Arizona also has a ban on handheld devices.

Handheld Device Laws in Gilbert

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.

Food Trucks in Gilbert

Food trucks have become popular across the nation. Gilbert changed the city laws in 2017 to allow food truck vendors to operate while ensuring they maintain basic safety standards.

You can review the requirements put forth by the Gilbert City Council in this brief reference guide for food truck vendors.

Tiny Homes in Gilbert

Although Gilbert doesn’t have any specific guidelines for tiny homes, you can refer to this guide for setting up a tiny home in Arizona.

Gilbert Car Insurance FAQs

We’ve covered a lot of ground in this comprehensive guide to car insurance in Gilbert, but you may still have some questions. Our last section looks at some commonly asked questions about the great city of Gilbert.

What type of car insurance coverage is required in Arizona?

In the state of Arizona, your minimum coverage requirements for car insurance are:

  • $15,000 bodily-injury liability for one person and $30,000 per accident.
  • $10,000 property-damage liability.

What time is it in Gilbert, AZ?

Gilbert is in the Mountain Standard Time zone. This means that if you are not in the same time zone, you will need to add or subtract hours from your day to determine what time it is in the Valley of the Sun, or you can use’s convenient tool. Enter a city or time zone and hit the go button.

How can I get current road conditions near Gilbert?

Arizona DOT offers realtime traffic and weather conditions online for your convenience. You can also enter start and ending addresses, and this tool will help you map your route.

Does Arizona have a concealed weapon law?

Arizona does allow its residents to conceal carry with a permit. With the exception to Idaho’s, Arizona does honor all other out-of-state concealed carry permits, as well. When it comes to Idaho, Arizona only recognizes the Enhanced Permit, not the Standard Permit.

Where is the nearest airport to Gilbert?

Phoenix Sky Harbor International Airport is located at 3400 E Sky Harbor Blvd, Phoenix, AZ 85034. The airport is not just for travelers, either. Phoenix Sky Harbor boasts an impressive art collection on display to the public.

How do I clear a registration suspension in Gilbert?

To clear a registration suspension, you must provide proof of Arizona liability insurance that was in effect at the time of the suspension. You can also pay $50 for a reinstatement fee and provide current proof of Arizona liability insurance if the previous type of proof mentioned cannot be obtained.

Now that you’ve read through this comprehensive guide, and know everything there is to know about buying car insurance in Gilbert, Arizona, it’s time to hit the road. Enter your ZIP code below to get a free quote comparison.



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