Car Insurance in Gilbert, AZ
Not every Gilbert driver puts the same miles in. Maybe you work from home, or maybe the 60 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Gilbert?
The average estimated cost of Lemonade car insurance in Gilbert ranges from roughly $2,280 to $2,340 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Gilbert?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Gilbert?
Every Gilbert driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what the state requires.
| Required minimum coverages for Arizona 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
does Lemonade offer in Gilbert?
The state minimum covers the basics. These coverages help fill in the gaps.
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 motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by 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 moreExtended glass coverage
Can help cover the costs to replace your windshield, your sunroof, and your backglass-with a $0 deductible.
Read moreWhat’s the best car insurance in Gilbert?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Drive a Tesla in Gilbert? This one’s for you.
Lemonade Autonomous Car insurance rewards safer driving. Every mile with Full Self-Driving costs 50% less, automatically, once your Tesla and Lemonade apps are paired.
Connect your Tesla
Connect our app to your car and unlock amazing discounts and functionality
Pay less when you're not driving
Low base rate when your car doesn't move, and a few cents per mile when it does
50% off FSD miles!
We charge you half the price for every FSD mile driven
What are Gilbert drivers driving?
Next time you’re stuck on the 60 during the morning commute, play along.
Here are the nine makes you’re most likely to spot on Gilbert roads, according to our data.
Gilbert drivers, by the numbers
Gilbert roads have a story to tell. Here’s what our data found.
Beyond Gilbert: car insurance across Arizona
Gilbert 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 from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances. Vehicle make rankings reflect active Lemonade Car policyholders in Arizona as of September 2026, based on Lemonade’s internal data. Claims statistics reflect Lemonade Car claims filed in Arizona between October 2025 and September 2026; all figures are based on Lemonade’s internal claims data, intended for illustrative purposes only, and may not be representative of all Arizona drivers or the broader insurance market.
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