Cheapest Cars to Insure in Gilbert, AZ

• For the cheapest auto insurance in Gilbert, Arizona, compact SUVs like the Kia Soul, Nissan Kicks, Buick Envision, and Chevrolet Trailblazer rank very well for overall cost.
• The average cost of car insurance in Gilbert is $2,438 per year, or $203 per month.
• Monthly auto insurance rates for a few popular vehicles in Gilbert include the Hyundai Elantra at $221, Nissan Rogue at $183, and Toyota Corolla at $198.
• Gilbert car insurance averages $62 per year more than the Arizona state average and $162 per year more than the average for all 50 states.

Which cars have the cheapest insurance rates?

When comparing rates for all models, the vehicles with the most affordable insurance rates in Gilbert, AZ, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, and Hyundai Venue.

Average auto insurance prices for those models cost $1,996 or less per year, or $166 per month, to have full coverage.

Examples of other models that rank very well in the cost comparison table are the Buick Envista, Buick Encore, Toyota GR Corolla, and Subaru Outback. The average rates are a little higher for those models than the cheapest compact SUVs and crossovers that rank at the top, but they still have an average insurance cost of $2,118 or less per year, or $177 per month.

The table below ranks the top 30 cheapest vehicles to insure in Gilbert, ordered by annual cost.

Additional vehicles that rank in the top 30 table above include the Subaru Ascent, Acura Integra, Chevrolet Colorado, and Subaru Forester. Average auto insurance rates for those vehicles fall between $2,118 and $2,172 per year in Gilbert.

As a comparison to gauge how inexpensive the top models are, some vehicles that cost more to insure include the Jeep Wrangler costing an average of $232 per month, the Ram Truck which costs $235, and the Audi e-tron which averages $253.

For extremely high car insurance rates, luxury and high-performance cars like the BMW M8 and Audi RS 6 have rates that can easily cost double or triple that of the cheapest models.

What is average car insurance cost in Gilbert?

The average price for car insurance in Gilbert is $2,438 per year, or around $203 per month for full coverage. It costs 6.9% more to insure the average vehicle in Gilbert than the U.S. average rate of $2,276.

In Arizona, average auto insurance cost is $2,376 per year, so insuring the average car in Gilbert runs about $62 more per year.

When compared to other locations in Arizona, the average cost of auto insurance in Gilbert is $252 per year less than in Phoenix, $28 per year more expensive than in Tucson, and $8 per year more expensive than in Chandler.

The age of the rated driver is one of the largest influencers on the price of car insurance, so the list below illustrates this point by showing the difference in average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Gilbert by driver age

• 16-year-old driver – $8,680 per year or $723 per month
• 17-year-old driver – $8,410 per year or $701 per month
• 18-year-old driver – $7,536 per year or $628 per month
• 19-year-old driver – $6,863 per year or $572 per month
• 20-year-old driver – $4,904 per year or $409 per month
• 30-year-old driver – $2,600 per year or $217 per month
• 40-year-old driver – $2,438 per year or $203 per month
• 50-year-old driver – $2,162 per year or $180 per month
• 60-year-old driver – $2,022 per year or $169 per month

The next chart shows average car insurance cost in Gilbert broken out by driver age and physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury and performance vehicles.

Average car insurance rates in the chart range from $1,710 per year for a high deductible policy for a 60-year-old driver to $5,700 per year for a 20-year-old driver with a low deductible policy.

When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Gilbert ranges from $143 to $475.

The cost to insure top-selling vehicles in Gilbert, Arizona

The previous auto insurance rates in this article are averaged for every 2024 model year vehicle, which is suitable for making general comparisons like the cost difference between two locations.

Average car insurance rates are a good metric for answering questions like “are auto insurance rates in Gilbert cheaper than in Mesa?” or “are Arizona auto insurance rates cheaper than in Illinois?”.

But for more comprehensive car insurance rate comparisons, the cost data will be more precise if we do a rate analysis for the specific vehicle being insured. Every make and model has a slightly different risk profile for rating purposes and this data makes it possible to do more detailed cost comparisons.

The following list displays the cost of auto insurance for both annual and monthly terms in Gilbert for a handful of the more popular vehicles you’ll find driving down the Santan Freeway.

Average auto insurance cost for popular models in Gilbert

• Hyundai Elantra – $2,648 per year ($221 per month)
• Nissan Rogue – $2,190 per year ($183 per month)
• Toyota Corolla – $2,374 per year ($198 per month)
• Subaru Forester – $2,170 per year ($181 per month)
• Tesla Model 3 – $2,862 per year ($239 per month)
• Chevrolet Silverado – $2,696 per year ($225 per month)
• Ram Truck – $2,818 per year ($235 per month)
• Subaru Outback – $2,076 per year ($173 per month)
• Mazda CX-5 – $1,990 per year ($166 per month)
• Honda Civic – $2,158 per year ($180 per month)

The most popular vehicles in Gilbert tend to be small or midsize sedans like the Volkswagen Jetta, Honda Civic, and Honda Accord and small or midsize SUVs like the Honda CR-V and Jeep Grand Cherokee.

Additional popular models from other vehicle segments include luxury cars like the Tesla Model S and Acura ILX, luxury SUVs like the BMW X5 and Acura MDX, and models from the pickup truck segment like the Chevy Silverado and Ford Ranger.

When the list of popular vehicles is compared to the prior list of the 30 cheapest models to insure, most popular vehicles do not make the cut. Only the Subaru Forester and Mazda CX-5 had rates cheap enough to be considered one of the cheapest vehicles to insure.

Higher rates could be caused by a couple of reasons, the first being a higher purchase price. Models like a Lexus LX 570 with an average MSRP of $89,160 or a Tesla Model Y with an average MSRP of $31,890 cost more to insure due to a higher replacement cost in the event that the vehicle is totaled in an accident.

Another possible cause of higher rates could be a greater likelihood of liability or passenger medical claims like a Jeep Wrangler or a Volkswagen Jetta. Models that have characteristics that either lend themselves to more careless usage or maybe don’t have as good of safety ratings fall into this group.

Let’s review the key concepts and comparisons covered so far in the data above.

• Gilbert car insurance prices are more expensive than the Arizona state average – $2,438 (Gilbert average) versus $2,376 (Arizona average)
• Gilbert car insurance costs more than the U.S. average – $2,438 (Gilbert average) versus $2,276 (U.S. average)
• Teenage girls have cheaper rates than teen males – Teenage females pay $1,062 to $574 less per year than male drivers of the same age.
• Lower deductible car insurance is more expensive than high deductible – A 50-year-old driver pays an average of $1,014 more per year for $250 physical damage deductibles versus $1,000.
• Average car insurance cost per month ranges from $169 to $723 – That’s the average auto insurance price range for drivers age 16 to 60 in Gilbert.
• Auto insurance cost decreases as you age – Average rates for a 50-year-old driver in Gilbert are $2,742 per year cheaper than for a 20-year-old driver.

To help show how much the cost of the same car insurance policy can range between drivers (and also underscore the importance of accurate rate quotes), the charts below have multiple rates for three popular models in Gilbert: the Chevrolet Silverado, Honda Civic, and Honda CR-V.

Each illustration uses a range of risk profiles to illustrate the price fluctuation with only minor risk factor changes.

Chevrolet Silverado insurance rates

Average Chevrolet Silverado insurance cost in Gilbert ranges from $2,284 to $3,196 per year. The least-expensive insurance rates are on the $39,900 Chevrolet Silverado EV WT model, while the model with the most expensive insurance rates is the $105,000 Chevrolet Silverado EV RST First Edition model.

When Gilbert car insurance quotes for the Chevrolet Silverado are compared with the national average cost on the same model, rates are $36 to $50 more per year in Gilbert, depending on the model being insured.

The chart below shows how the price of car insurance on a Chevrolet Silverado can range significantly for a variety of driver ages, physical damage deductibles, and driver risk profiles.

The Chevrolet Silverado is considered a full-size truck, and additional similar models from the same segment include the Ram Truck, Toyota Tundra, GMC Sierra, and Nissan Titan.

Honda Civic insurance rates

Honda Civic insurance in Gilbert averages $2,158 per year, with a range of $1,930 per year on the Honda Civic LX trim level (MSRP of $23,950) up to $2,556 per year for the Honda Civic Type R (MSRP of $43,795).

As a cost per month, auto insurance rates for the Honda Civic for the average driver can cost from $161 to $213 per month, depending on exact policy limits and your Zip Code in Gilbert.

The next chart illustrates how the cost of car insurance on a Honda Civic can change for a number of different driver ages, physical damage deductibles, and driver risk profiles.

For this example, rates vary from $1,796 to $4,898 per year, which is a difference of $3,102 to insure the same vehicle with different rated drivers.

The Honda Civic belongs to the compact car segment, and other top-selling models from the same segment include the Hyundai Elantra, Toyota Corolla, Chevrolet Cruze, and Nissan Sentra.

Honda CR-V insurance rates

With sticker prices ranging from $29,500 to $39,850, average Gilbert car insurance rates on a 2024 Honda CR-V range from $1,970 per year on the Honda CR-V LX model up to $2,194 per year for the Honda CR-V Sport Touring Hybrid AWD trim.

From a cost per month standpoint, car insurance quotes on the Honda CR-V can cost from $164 to $183 per month, depending on exactly where you live in Gilbert.

The rate chart below might be helpful in explaining how car insurance rates for a Honda CR-V can be quite different for different driver ages and policy risk profiles.

The Honda CR-V is classified as a compact SUV, and additional models from the same segment that are popular in Gilbert include the Subaru Forester, Mazda CX-5, Chevrolet Equinox, and Toyota RAV4.

Money-saving tips for finding cheaper Gilbert auto insurance

Drivers should always be thinking of ways to reduce the monthly expense for car insurance, so take a minute and read through the money-saving ideas in this next list and see if you can save a little dough on your next car insurance policy.

• Break the law and you’ll pay more. In order to get affordable car insurance in Gilbert, it’s necessary to follow traffic laws. As few as two minor blemishes on your driving record can potentially raise the price of a policy by as much as $646 per year. Serious moving violations like a DUI could raise rates by an additional $2,264 or more.
• Lower policy cost by raising deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Don’t file small claims. Auto insurance companies give a discount for not having any claims. Insurance should be used for significant financial loss, not minor claims that should be paid out-of-pocket.
• Careful drivers have lower car insurance rates. Causing too many accidents will raise rates, to the tune of $3,478 per year for a 20-year-old driver and as much as $1,012 per year for a 40-year-old driver. So be a cautious driver and save.
• Improve your credit for cheaper auto insurance rates. Having a credit score over 800 could save $383 per year over a credit score ranging from 670-739. Conversely, an imperfect credit score below 579 could cost as much as $444 more per year. Not all states use credit score as a rating factor, so check with your agent or company.