Gilbert, AZ
Gilbert, AZ car and homeowners insurance
Commute, vehicle, and housing data for Gilbert, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Gilbert has about 275,411 residents in Maricopa County. 63% of its workers drive to work alone and 73% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Gilbert
| Measure | Gilbert | Arizona |
|---|---|---|
| Drive alone to work | 63% | 67% |
| Carpool | 7% | 10% |
| Work from home | 26% | 18% |
| Commute of 45 minutes or more | 13% | 14% |
| Commute under 15 minutes | 22% | 25% |
| Households with no vehicle | 2% | 5% |
| Households with 3 or more vehicles | 26% | 23% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Gilbert commutes are similar than the Arizona norm, with 13% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 26% of Gilbert workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
Vehicle counts vary: 26% of households in Gilbert have at least three vehicles (Arizona: 23%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Gilbert homes and homeowners coverage
The median owner-occupied home in Gilbert is valued at $575,100, and half of the city's homes were built before 2003. The Arizona median value is $394,500. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Arizona was $1,402 for homes insured in the $500,000–$599,999 range, and $1,194 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Gilbert
The state minimum is 25/50/15. Additional requirement: none beyond liability. See our state minimums guide for how these compare across our ten states.
One insurer or two for a Gilbert household
A bundle can simplify life in Gilbert: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Gilbert
Plan for extreme summer heat, along with flash floods in washes. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Neighboring cities and Gilbert
Phoenix shows 19% working from home and a median home value of $420,700. Mesa shows 19% working from home and a median home value of $408,000. Chandler shows 25% working from home and a median home value of $507,800. For share of 45-minute-plus commutes, Gilbert is 11th of 25 Arizona cities on this site.
Gathering details for a Gilbert auto and home quote
- Drivers' names and dates of birth
- Liability limits you want
- Roof age and material
- VINs from registrations or the dashboard
- Accidents, tickets, and claims from the last five years
- Lender name and loan number
Gilbert auto and home insurance FAQ
What are the minimum car insurance limits for Gilbert drivers?
Arizona requires liability of 25/50/15; none beyond liability.
How long are commutes in Gilbert?
About 13% of Gilbert workers commute 45 minutes or more and 22% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Gilbert?
Prices depend on the home and coverage. The NAIC's 2023 Arizona HO-3 average was $1,194; see the Arizona page.
Other city guides near Gilbert
Auto and home insurance in Arizona
Last updated October 15, 2026 · How we research