Gilbert has 280,262 residents in 96,363 households. We list 21 agencies for health insurance in Gilbert. Here is what the local numbers say about the cover people here need.

Gilbert at a glance

21health insurance agencies listed
26.9%of households rentRenters insurance
$575,100median home valueHome insurance
2003median year homes were builtRebuild cost calculator
2.3%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Maricopa County

FEMA rates the overall natural hazard risk in Maricopa County, where most Gilbert agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Gilbert
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Gilbert
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Gilbert
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Gilbert

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Arizona

Arizona requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $15,000 of property damage liability, often written 25/50/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Gilbert How much liability cover do you need?

Source: azleg.gov, limits in force since 2020-07-01. Checked 2026-10-24.

Insurance companies Gilbert agencies work with

Of the 21 Gilbert agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare15 agencies
Medicare Advantage14 agencies
Centene10 agencies
Aetna8 agencies
Devoted Health Plan of Texas,5 agencies
National Pacific Dental,5 agencies
PACIFICARE LIFE AND HEALTH INSURANCE COMPANY5 agencies
Blue Cross Blue Shield4 agencies
Humana4 agencies
Nationwide4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Gilbert agencies are

Gilbert agencies we list sit in 7 ZIP codes, mostly in Maricopa County.

852346 agencies
852954 agencies
852964 agencies
852984 agencies
852331 agency
852971 agency
852991 agency

Questions

Health insurance in Gilbert

All insurance agencies in Gilbert · Health insurance across Arizona

Where can I find health insurance in Gilbert?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does health insurance cover?

Individual and family medical cover outside an employer plan.

Which insurance companies do Gilbert agencies work with?

Among the 21 Gilbert agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (15), Medicare Advantage (14), Centene (10), Aetna (8), Devoted Health Plan of Texas, (5). An appointed agency can quote that company's policies.

Do I need flood insurance in Gilbert?

FEMA's National Risk Index rates inland flooding risk in Maricopa County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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