For a 40-year-old driver with a clean record, Gilbert car insurance averages about $206 a month ($2,475 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Arizona average of $206 a month. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $165 a month.
Gilbert is priced right at the Arizona average for our benchmark driver and about $46 a month below Phoenix.
Our data covers six ZIP codes with a Gilbert mailing address, all priced within a few dollars of each other, from about $204 a month in 85295 and 85297 to $209 in 85233.
Cost data comes from the auto rates insurers file with state regulators, priced across all six Gilbert ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Gilbert, AZ?
Full coverage in Gilbert averages $2,475 a year, or about $206 a month, for our benchmark driver. Liability-only coverage at 15/30/10 limits averages $1,021 a year ($85 a month), and 50/100/50 liability with comprehensive and collision averages $2,183 ($182 a month).
- Full coverage (100/300/100, $500 deductibles): $2,475 a year ($206 a month)
- 50/100/50 with $500 deductibles: $2,183 a year ($182 a month)
- Liability only (15/30/10): $1,021 a year ($85 a month)
- Maricopa County: $2,727 a year ($227 a month) for full coverage
- Arizona average: $2,466 a year ($206 a month) for full coverage
- ZIP code range: $204 (85295 and 85297) to $209 (85233) a month for full coverage
Cheap Car Insurance in Gilbert: Companies Compared
- Lowest average among the three major insurers we compared, full coverage: Progressive, at about $165 a month ($1,977 a year).
- Next lowest: GEICO, at about $171 a month.
- Lowest liability-only average (15/30/10): Progressive, at about $66 a month, then GEICO at $76.
- State Farm (Nov. 2025 rates)*: about $234 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $163 a month, USAA at $176, Auto-Owners at $191 and Nationwide at $219 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $283 a month, $1,413 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the three insurers in our Gilbert rate data. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families; one puts Progressive first. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average among these three insurers, at about $66 a month, followed by GEICO at $76.
Full-coverage averages by insurer in Gilbert
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $794 | $66 | $1,977 | $165 |
| GEICO | $910 | $76 | $2,057 | $171 |
| Allstate | $1,359 | $113 | $3,390 | $283 |
| State Farm (Nov. 2025 rates)* | $956 | $80 | $2,802 | $234 |
| Travelers* | $900 | $75 | $1,956 | $163 |
| USAA (military families)* | $836 | $70 | $2,114 | $176 |
| Auto-Owners* | $954 | $80 | $2,293 | $191 |
| Nationwide* | $1,898 | $158 | $2,628 | $219 |
| Gilbert average | $1,021 | $85 | $2,475 | $206 |
This table uses Gilbert ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare auto insurance quotes before you buy.
Gilbert Car Insurance Rates by ZIP Code
Across the six Gilbert ZIP codes we price, full coverage for our driver ranges from about $204 a month in 85295 and 85297 to $209 in 85233, a gap of $58 a year.
Lowest-priced Gilbert ZIP codes
Highest-priced Gilbert ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Gilbert’s average.
| ZIP Code: | Liability Only 15/30/10 (Yearly): | Liability Only 15/30/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 85233 | $1,031 | $86 | $2,504 | $209 | +1% |
| 85234 | $1,023 | $85 | $2,488 | $207 | About average |
| 85295 | $1,005 | $84 | $2,446 | $204 | -1% |
| 85296 | $1,021 | $85 | $2,480 | $207 | About average |
| 85297 | $1,013 | $84 | $2,452 | $204 | -1% |
| 85298 | $1,032 | $86 | $2,479 | $207 | About average |
Your ZIP code matters
How Much More Does Better Coverage Cost in Gilbert?
Raising liability limits from 50/100/50 to 100/300/100 adds about $292 a year on average in our Gilbert data, with the same $500 deductibles. That’s about $24 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Gilbert?
Not for our benchmark driver. Comparing the same insurers in the same Gilbert ZIP codes, full coverage averaged $2,568 a year nine months earlier and $2,475 in rates as of Aug. 31, 2026, a 3.6% drop. Progressive cut its Gilbert average 16.2%, while Allstate raised its average 3.1%; GEICO’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 15/30/10 limits rose 0.3%, led by Allstate, which raised its liability-only average 4.9%.
What Shapes Car Insurance Costs in Gilbert
Gilbert is in Maricopa County, which averages about $227 a month for full coverage, the most expensive of the 14 Arizona counties we price. Gilbert, like the rest of the East Valley, costs less than the county as a whole.
Nearby, Queen Creek averages about $205 a month, San Tan Valley $210 and Apache Junction $205. Prices vary by ZIP code in our Arizona data, so neighboring cities can be priced differently.
How Gilbert Car Insurance Compares With Other Arizona Cities
More Arizona cities and towns are in the Arizona rates by city table, and you can compare states on our car insurance rates by state page.
Chandler, just west, averages $203 a month, and Mesa, just north, $210. Phoenix averages $252.
What Car Insurance Is Required in Gilbert?
Drivers in Gilbert follow Arizona’s rules. Every policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $15,000 per crash
Insurers must offer uninsured and underinsured motorist coverage in writing, but you can turn it down. Our Arizona requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Gilbert
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the three major insurers we compared in Gilbert, about $165 and $171 a month.
- Quote several insurers. Among the three major insurers we compared in Gilbert, the lowest and highest averages are about $118 a month apart for the same driver and car.
- Know your rights after a crash you didn’t cause. Under Arizona law, an insurer can’t raise your premium because of an accident you didn’t cause or significantly contribute to.
- Compare at every renewal. Over the past nine months, Progressive has cut its Gilbert average 16.2%, while Allstate has raised its average 3.1%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which auto insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how deductibles affect your rate.
- Insure your car and home together. A multi-policy discount is a common way to save, so check average home insurance rates in Arizona, and compare home insurance quotes alongside your car quotes. Renting? A renters insurance policy can qualify too.
Ready to compare
How We Calculated Gilbert Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 18 full-coverage premiums from three insurers across six Gilbert ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Arizona averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. Farmers’ Arizona prices in the rate data are for a program with extra eligibility requirements, so we leave them out. We publish the averages as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/10 limits, with 15/30 uninsured and underinsured motorist coverage and no comprehensive or collision. Arizona’s minimum is now 25/50/15, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Arizona rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Arizona law and the Arizona Department of Insurance and Financial Institutions. We refresh these figures when new rate data is released.
Gilbert Car Insurance FAQ
For our benchmark driver, full coverage in Gilbert averages about $206 a month ($2,475 a year) and liability-only coverage at 15/30/10 limits about $85 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Arizona average of $206 a month.
Progressive has the lowest full-coverage average in our Gilbert rate data, at about $165 a month, with GEICO close behind at $171. For liability-only coverage at 15/30/10 limits, Progressive has the lowest average, at about $66 a month. The published 2026 statewide Arizona rate studies we reviewed most often rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Chandler, by a little, for our benchmark driver. Chandler full coverage averages about $203 a month and Gilbert about $206, a difference of about $3 a month for the same driver and car.
In our data, 85295 and 85297 share the lowest full-coverage average in Gilbert, at about $204 a month, and 85233 the highest, at about $209. The ZIP code table on this page lists all six.
In our Gilbert data, full coverage (100/300/100 with $500 deductibles) averages about $206 a month and liability-only coverage at 15/30/10 limits about $85, a difference of about $121 a month ($1,454 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Arizona law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Gilbert full coverage fell 3.6% over the past nine months, from about $2,568 to $2,475 a year. Progressive cut its Gilbert average 16.2%, while Allstate raised its average 3.1%. Liability-only coverage at 15/30/10 limits rose 0.3%.
For our benchmark driver, full coverage in Gilbert averages about $206 a month. Nearby, Chandler averages about $203, Mesa about $210 and Scottsdale about $198. Chandler and Scottsdale are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
