Gilbert Insurance Rates:

Gilbert, AZ home insurance is nearly $540 to $733, about $45-$61/month. Our exhaustive analysis indicates shoppers can save upto $254 by comparing multiple quotes

Compare Quotes from Top Providers and Save now!

Find out from Gilbert, Arizona Home Insurance Reviews on the best. Compare quotes from them & get the cheapest one.

Gilbert Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $250/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

4 Beds, 4 Baths 1990 sqft Seasonal Residence Constructed In 2007 with Stone Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $180/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Bath 2300 sqft Primary Residence Constructed In 1991 with Hardwood Flooring, Membrane Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fireplace, Deadbolt Locks, Central Air Conditioning, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $110/1 month for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $630,000

5 Beds, 5 Baths 4380 sqft Rental Property Constructed In 2011 with Ceramic Tile Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

40 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $580/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

4 Beds, 4 Baths 2310 sqft Primary Residence Constructed In 2000 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Divorced Male who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $590/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

5 Beds, 5 Baths 3420 sqft Seasonal Residence Constructed In 2001 with Ceramic Tile Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Married Female who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $120/2 months for $150,000-$175,000 Coverage
Policy Holder Home Details :

Home Value : $200,000

2 Beds, 2 Baths 1675 sqft Rental Property Constructed In 2000 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

Gilbert, AZ Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
85234 $235,900 $650
85233 $234,700 $640
85296 $232,500 $640

Gilbert Rates & Quotes Analysis:

Gilbert Area Estimated House Insurance
S Bay Dr, E Andre Ave, E Betsy Ct, S San Benito Dr, W Hackamore Ave, S Islands Dr, S 174th Pl, N Larkspur St, E Sycamore Dr, W Starfish Dr$643
Tonto Dr, E Raven Way, E Rainbow Dr, E Tyson Ct, E Santa Fe Ln, S Honeysuckle Ln, E Towne Ln, E Pickett Ct, N Kiowa Ave, 300 W$654
E Merrill Ave, E Gondola Ln, S Faun Ct, W Sands Ct, E Baars Way, E Cotton Ct, E Campbell Rd, E Vosler Cir, E Los Altos Rd, W Golden Key St$652
S Spartan Cir, N Cole Dr, E Breckenridge Way, N Elizabeth Dr, St Paul, S Redrock St, W Horseshoe Ave, Sinova Ct, E Lafayette Ave, W Houston Ave$635
N San Angelo Ave, S Oakwood Way, Swan Dr, E Cll de Flores, S Owl Dr, W Amoroso Dr, S 138th St, S Maple, S 176th Way, E Blue Spruce Ln$646
S Posse Trl, S Bridgegate Dr, S Honeysuckle Ln, E Dogwood Dr, S Bridalvail Dr, E Flamingo Way, E Bartlett Dr, Sunset Bay Dr, S Somerset, N Cottonwood St$655
E Aloe Pl, N Explorer Dr, N Porter Pl, N Explorer Dr, S 141st St, N Golden Key St, W Seaweed Dr, W Silver Creek Rd, E Macaw Ct, S Pablo Pass Ct$643
W Shamrock St, S Maverick Ct, W Ensueno St, E Gail Ct, W Vaughn Ave, S Nielson St, N Sierra Ave, S Sahuaro St, Tucana Ln, E Locust$662
S Seawynds Blvd, E Kyle Ct, E Mariposa Pl, N la Arboleta St, Harmony, S Sandal, Malabar Ln, E Mayberry Ct, E Olney Ct, N Sinova Ct$633
S Pheasant Dr, S Creston, E Isaiah Ave, E Century Ave, S Larkspur St, S Kolb St, E North Shore, E Ironhorse Rd, S Clubhouse Dr, N Marble St$622

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,472 Homes (11% of total) built between 1980 to 1989 in Gilbert are paying home insurance between $948-$958 compared to Gold Canyon (+$13), Fountain Hills (+$54), Paradise Valley (+$337), Mesa (-$31) and Goodyear Village (-$51).
  • Bedrooms: 22,818 4 bedrooms homes (30% of total homes ) in Gilbert are paying about $699 compared to Chandler (+$3), Gold Canyon (+$9), Fountain Hills (+$40), Mesa (-$17) and Goodyear Village (-$32).
  • Auto Insurance Bundling: 26,206 Households (53% of all households) in Gilbert have 2 vehicles available and when it is bundled with home insurance you can save $127. Discounts for similar bundling in close by locations such as Chandler, Mesa, Queen Creek come to $127, $123, $127 respectively.
  • Senior Discounts: 14,340 seniors (more than 55 years) occupied housing units (28% of total) in Gilbert get discounts between $95 to $97 in contrast with Chandler ($95), Mesa ($92), Goodyear Village ($90).
  • New Homes discounts: New homes such as the 62,107 homes built between 2000 to 2009 in Gilbert can save $127 and varies from Chandler ($127), Mesa ($123), Queen Creek ($127).

Gilbert Homeowners insurance Facts

  • Gilbert, AZ has 49,387 owner occupied houses which is 72.0% of all units whereas Chandler, Mesa and Queen Creek have 70.76%, 63.13% and 82.39% respectively.
  • Gilbert, AZ homeowners yearly insurance price at $636 is 0.27% of the typical house value of $235,500 which is in contrast with 0.26% in Chandler, 0.38% at Mesa & 0.27% in Queen Creek.
  • Homeowners in Gilbert, AZ pay 2.83% of their income ($20,000 to $24,999) in insurance whereas homeowners in Chandler, Mesa and Sun Lakes pay 2.84%, 2.73% and 2.83% respectively.
  • Gilbert, AZ’s insurance is 2.9% of monthly housing costs of $1,801/month, for owners with a mortgage compared to 2.97% in Chandler, 3.47% at Mesa & 2.53% in Queen Creek. But, for households without a mortgage, insurance is 11.5% of costs ($463 in Gilbert, AZ) in contrast with 12.74% in Chandler, 12.97% at Mesa & 11.66% in Queen Creek.

Gilbert, AZ Home Values & Insurance rates

For example, insurance for 3,447 Homes (7.0% of total homes ) valued between $125,000 to $149,999 in Gilbert, AZ is about $368. Rates in nearby areas in such as Chandler, Queen Creek, Gold Canyon are cheaper by $11, $5, $34 respectively while Mesa and Tempe are costlier by $148 and $35 respectively for similar homes.

Gilbert, AZ Home By Value Total Homes % of Total Average Homeowners Insurance
$90,000 to $99,999 442 1.0% $254
$100,000 to $124,999 2,056 4.0% $292
$125,000 to $149,999 3,447 7.0% $368
$150,000 to $174,999 6,073 14.0% $438
$175,000 to $199,999 4,853 11.0% $502
$200,000 to $249,999 9,713 22.0% $604
$250,000 to $299,999 7,783 17.0% $737
$300,000 to $399,999 8,054 18.0% $941

Renters Insurance in Gilbert

  • Average Renters Insurance in Gilbert :  $167($13/month)

  • Median Gross Rent in Gilbert :  $1,270

  • Gilbert Renters Insurance to Median Rent Ratio:  1.02%

  • Average household size of renter-occupied unit :  2.94

Gilbert Renters Insurance as a Percentage of Rent

Gilbert Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 1,520 8.0% $1916
$750 to $999 3,453 18.0% $2666
$1,000 to $1,499 8,212 44.0% $3791
$1,500 or more 5,024 27.0% $5441

Protective device discount in Gilbert Up to :  $25

Claims-free discount in Gilbert Up to :  $33