Car Insurance in Gilbert, AZ
How much does car insurance
cost in Gilbert, Arizona?
The average estimated cost of Lemonade car insurance in Gilbert ranges from roughly $896 to $936 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Arizona:
| City | Average monthly base premium* |
|---|---|
| Peoria | $90 to $99 |
| Buckeye | $60 to $69 |
| Scottsdale | $80 to $89 |
| Cave Creek | $50 to $59 |
How can I get cheaper car insurance
in Gilbert, Arizona?
Lemonade offers Arizona drivers loads of opportunities
to help lower your car insurance rates.
Low-mileage savings
Lemonade drivers determine how much they save each month based on how many miles they actually drive.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Gilbert, Arizona?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle.
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
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 |
What additional car insurance coverages
are available in Gilbert, Arizona?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MoreMedical payments coverage (aka MedPay)
Medical expenses for you or a passenger in your car after a crash—like ambulance fees, hospital visits, and health insurance co-pays, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreGilbert Arizona car insurance FAQs
What car insurance coverage is recommended in Gilbert given the weather conditions?
Gilbert’s hot climate and occasional monsoons make comprehensive coverage crucial to protect against dust storms and potential flood-related incidents. Extended glass coverage is also advisable due to frequent debris.
How does Gilbert's suburban environment affect car insurance rates?
Gilbert’s suburban setting usually results in moderate insurance premiums compared to larger cities. Drivers commuting to Phoenix or nearby areas should consider policies that address higher risks on busy highways.
What happens if I don’t have the minimum car insurance coverage required in Gilbert?
Driving without car insurance in Gilbert could result in fines ranging from $500 to $1,000. Alongside this, your driver’s license, registration, and license plates might be suspended, and you may need to file an SR-22 to prove future insurance compliance. Staying insured is the easiest way to avoid these penalties.
Is Arizona an at-fault state?
Yes, Arizona operates as an at-fault state. For drivers in Gilbert, this means if you’re the cause of an accident, you’re obligated to cover damage costs via insurance or direct payment.
How can I lower my car insurance premium in Gilbert?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, and considering bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Gilbert that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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Talking Telematics
Real-time driving behavior = the fairest insurance premiums imaginable
How Much Does Car Insurance Cost?
Car insurance costs vary based on factors like your age, driving history, location, and coverage needs. Here’s what to expect.