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Cheapest recent rates near Mesa, Arizona
Drivers in and around Mesa, Arizona have found policies from Certainly, Sun Coast, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Situated east of Phoenix, Mesa is known for its scenic views, countless outdoor attractions, and vibrant arts community. Although it's the third-largest city in Arizona, Mesa's car insurance rates are on par with state averages, and are lower than national averages.
Mesa drivers pay, on average, $101 for minimum coverage and $181 for full-coverage car insurance policies. The city's rates are lower than those in nearby Phoenix, where the population is more than twice the size of Mesa's, but higher than in Flagstaff, which has a much smaller population. Population size and population density both play a role in car insurance costs.
Mesa drivers can update and manage their vehicle’s proof of auto insurance on the AZ MVD Now web portal to keep their policy information current with the state.
In 2023, Mesa had a high accident rate of 3.42 per 1,000 residents.[1]
The student populations at Mesa colleges and universities like Mesa Community College and Arizona State University Polytechnic Campus may contribute to the city’s car insurance rates.
Best car insurance companies in Mesa
To find the best car insurance in Mesa, factor in your budget, driving record, and car insurance coverage needs. It’s a smart idea to compare several car insurance companies at once to see which one makes the most sense for your unique situation.
To help you with your search, here are some of the best car insurance companies in Mesa and why they stand out.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
▲▼
Full Coverage
▲▼
Liability Only
▲▼
Best For
▲▼
Auto-Owners
8.5
$76
$45
Liability coverage
Mile Auto
7.5
$88
$51
Low-mileage drivers
State Farm
9.3
$94
$56
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$80/mo
4.0
Best choiceBased on 146 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (90)
Jim
November 24, 2024
Verified Review
Auto
Overall, it's good, though their flexibility on pricing is less than desired.
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Auto-Owners offers the lowest liability-only rates in Mesa, and is an affordable option for most drivers. The insurer offers policyholders the chance to save even more by bundling their Auto-Owners car insurance with another policy type like homeowners insurance. Its auto insurance policies include perks like at-fault accident forgiveness, rental car coverage, and common loss deductible.
Pros
AM Best financial strength rating of A++ (Superior)
Various standard and non-standard policies
Cons
Lower-than-average customer satisfaction rating in J.D. Power 2023 U.S. Auto Insurance Study
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$53/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$91/mo
4.1
Best choiceBased on 61 verified guest reviews and ratings
Reviews (32)
Ambrosher
December 18, 2024
Verified Purchase
Too Expensive
Too expensive.
Marilyn
December 16, 2024
Verified Purchase
Mile Auto: Jury's Still Out
Please inform me about my monthly charge. Also, avoid using all caps. The photo link needs fixing.
Eva
December 4, 2024
Verified Purchase
Good
Good savings for people who don't drive a lot of miles.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Why we picked this company
Mile Auto specializes in pay-per-mile car insurance and is best for drivers who drive fewer than 10,000 miles per year. As a policyholder, you’ll send in a picture of your odometer every month, then Mile Auto will charge you a monthly base rate plus a per-mile rate for car insurance. But it doesn’t offer any other insurance products, like renters or homeowners policies.
Pros
Potentially cheap car insurance for infrequent drivers
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$98/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm has been in the car insurance industry for more than 100 years. It offers a variety of discounts as well as a plethora of standard and non-standard car insurance products. It has a long standing of financial stability and holds the top spot in J.D. Power’s 2023 U.S. Auto Insurance customer satisfaction study for the Southwest region.
Pros
Many available discounts
Rental car and travel expenses coverage available
Cons
Gap insurance not available
Online policy purchasing not available
How to get the cheapest car insurance in Mesa
Car insurance companies set their own rates differently, making it important to do your research and compare your options. These tips can help you land the right car insurance coverage and the lowest rates in Mesa:
Shop around. You may see different rates from different insurers. Get quotes from at least three different car insurance companies at the same level of coverage to find the most affordable option for your specific needs. Compare premiums, coverage options, and company reputations.
Look for discounts. Many car insurance companies offer discounts for a variety of reasons. A few examples include the loyalty discount, autopay discount, and multi-car discount.
Bundle insurance. If you combine your auto insurance with homeowners insurance, renters insurance, or even life insurance, you can typically save some money on your monthly premiums.
Consider usage-based insurance. Usage-based insurance might make sense if you don’t drive very often. You’ll only pay for the miles you drive, plus a monthly base rate.
Cheapest liability-only car insurance in Mesa: Auto-Owners
To drive legally in Mesa and other parts of the state of Arizona, you must purchase liability car insurance. This basic insurance covers the cost of the other party’s property damage and injuries after an at-fault accident.
Compared to other types of car insurance, liability coverage tends to be the most affordable. But insurance professionals generally recommend you buy more liability coverage than the required minimum. Higher liability limits provide more financial protection if you cause an accident.
The table below shows the cheapest car insurance companies for liability-only coverage, on average, in Mesa.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$48
Mile Auto
$53
State Farm
$59
GEICO
$60
USAA
$65
Metromile
$79
Root
$81
Sun Coast
$83
National General
$87
Allstate
$98
Travelers
$102
Progressive
$103
Mercury
$105
Safeco
$107
Dairyland
$110
Direct Auto
$113
American Family
$115
COUNTRY Financial
$115
Clearcover
$117
The Hartford
$118
Farmers
$119
The General
$121
Bristol West
$133
Nationwide
$133
GAINSCO
$134
Commonwealth Casualty
$166
AssuranceAmerica
$168
Liberty Mutual
$175
Foremost
$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Mesa: Auto-Owners
Full-coverage car insurance is usually optional in Mesa and includes liability, collision, and comprehensive coverages. It can be worthwhile if you’d like additional protection for vehicle damages. Additionally, if you have a loan or lease on your vehicle, your lender may require it. Here’s a look at the cheapest full-coverage car insurance companies in Mesa.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
Auto-Owners
$80
Mile Auto
$91
State Farm
$98
GEICO
$102
USAA
$110
Root
$126
Metromile
$132
Safeco
$158
Allstate
$164
Sun Coast
$164
Travelers
$170
Mercury
$179
Progressive
$184
COUNTRY Financial
$192
American Family
$194
Clearcover
$197
The Hartford
$198
Farmers
$200
National General
$205
Nationwide
$223
Direct Auto
$244
Bristol West
$258
Liberty Mutual
$264
Dairyland
$278
The General
$281
AssuranceAmerica
$298
GAINSCO
$309
Foremost
$397
Commonwealth Casualty
$404
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Mesa, Arizona
Drivers in and around Mesa, Arizona have found policies from Safeco, HiRoad, Liberty Mutual, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Arizona
Because Arizona is an at-fault — or tort — state, you’ll have to cover the property damage and injury costs of the other driver and passengers after an at-fault accident. Once you purchase at least the minimum-required liability insurance, keep your insurance information on hand while you drive. Otherwise, you might face the legal and financial consequences of not showing proof of insurance.
Here are Arizona’s auto insurance requirements:[2]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$15,000 per accident
As a driver in Mesa, you may want to go beyond the minimum auto insurance requirements and invest in additional insurance coverage for extra peace of mind in certain situations. Here are a few optional policies to consider:
Comprehensive coverage
Comprehensive coverage pays for non-accident-related damages to your vehicle from events like fire, theft, falling objects, and more.
Collision coverage
Collision coverage pays for repairing or replacing your vehicle if you get into an accident with another driver or stationary object, regardless of who’s responsible.
Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage will apply if someone without insurance or not enough insurance causes an accident you’re in.
Roadside assistance can come in handy if your vehicle breaks down unexpectedly and you need some help. It helps pay for towing, tire changes, dead-battery jumps, and other similar issues.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, and driving under the influence (DUI) convictions are examples of incidents that can lead to higher car insurance costs. Car insurance companies view people with incidents like these on their records as high-risk drivers and charge higher rates to offset the risk. To avoid the expensive premiums you may receive after an incident, do your best to maintain a clean record. Here are the average car insurance quotes in Mesa, based on driving history.
Shop for Car Insurance in Mesa, Arizona
Minimum coverage rates start at $128/mo. for Mesa drivers with traffic incidents
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Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Arizona’s 2022 crash report shows more than 20,000 injuries and 426 fatalities in speed-related accidents in the state.[3] Speeding can make it difficult for drivers to react safely and avoid an accident.[4] As a result, drivers with speeding tickets usually pay more for auto insurance, even if they don’t cause an accident. By following speed limits, you can land better prices on a policy.
Mesa drivers with speeding citations pay, on average, $248 per month for full coverage and $138 monthly for minimum coverage. The table below shows the cheapest liability quotes for Mesa for drivers with a speeding ticket.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Ticket
▲▼
Auto-Owners
$48
$62
Mile Auto
$53
$68
State Farm
$59
$75
GEICO
$60
$77
USAA
$65
$83
Metromile
$79
$108
Root
$81
$112
Sun Coast
$83
$114
National General
$87
$112
Allstate
$98
$126
Travelers
$102
$132
Progressive
$103
$131
Mercury
$105
$144
Safeco
$107
$139
Dairyland
$110
$141
Direct Auto
$113
$145
American Family
$115
$148
COUNTRY Financial
$115
$152
Clearcover
$117
$151
The Hartford
$118
$169
Farmers
$119
$152
The General
$121
$159
Bristol West
$133
$172
Nationwide
$133
$172
GAINSCO
$134
$185
Commonwealth Casualty
$166
$229
AssuranceAmerica
$168
$214
Liberty Mutual
$175
$242
Foremost
$219
$302
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
In 2022, Mesa reported 6,660 car accidents that led to 1,996 injuries and 53 fatalities.[3] If you cause an accident in the city, insurers will likely consider you a high-risk driver, and you can expect higher car insurance costs as a result.
An at-fault accident pushes the average monthly cost of car insurance in Mesa to $142 for liability-only policies and $254 for full coverage. The table below shows the most affordable liability insurance for Mesa drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With Accident
▲▼
Auto-Owners
$48
$65
Mile Auto
$53
$73
State Farm
$59
$78
GEICO
$60
$80
USAA
$65
$87
Metromile
$79
$112
Root
$81
$116
Sun Coast
$83
$116
National General
$87
$116
Allstate
$98
$131
Travelers
$102
$137
Progressive
$103
$139
Mercury
$105
$151
Safeco
$107
$143
Dairyland
$110
$146
Direct Auto
$113
$155
American Family
$115
$154
COUNTRY Financial
$115
$161
Clearcover
$117
$168
The Hartford
$118
$175
Farmers
$119
$159
The General
$121
$165
Bristol West
$133
$178
Nationwide
$133
$179
GAINSCO
$134
$171
Commonwealth Casualty
$166
$217
AssuranceAmerica
$168
$219
Liberty Mutual
$175
$249
Foremost
$219
$312
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
Alcohol was a factor in 298 crashes in Mesa in 2022, including eight fatalities.[3] A DUI conviction in Arizona typically results in fines, jail time, and a license suspension. To reinstate your license after a DUI, you may also need to file an SR-22 insurance form with the state, per Arizona law. During this time, your premiums will likely increase or you might find it difficult to lock in coverage.
A DUI drastically increases car insurance costs in Mesa, to an average of $290 per month for full coverage and $162 for liability only. Here’s a look at the cheapest minimum-coverage car insurance quotes for drivers with a DUI in Mesa.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Record
▲▼
With DUI
▲▼
Auto-Owners
$48
$78
Mile Auto
$53
$86
State Farm
$59
$96
GEICO
$60
$98
USAA
$65
$106
Metromile
$79
$128
Root
$81
$118
Sun Coast
$83
$133
National General
$87
$141
Allstate
$98
$159
Travelers
$102
$166
Progressive
$103
$167
Mercury
$105
$158
Safeco
$107
$156
Dairyland
$110
$179
Direct Auto
$113
$184
American Family
$115
$187
COUNTRY Financial
$115
$187
Clearcover
$117
$190
The Hartford
$118
$177
Farmers
$119
$193
The General
$121
$197
Bristol West
$133
$216
Nationwide
$133
$216
GAINSCO
$134
$218
Commonwealth Casualty
$166
$270
AssuranceAmerica
$168
$273
Liberty Mutual
$175
$284
Foremost
$219
$356
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
While senior drivers generally have the lowest car insurance costs of any age group, rates begin to climb for older drivers around age 70. That's because age-related changes to coordination, vision, mobility, and cognitive ability can increase a senior driver's chance of getting into an accident. Seniors are also at risk of being more severely injured in an accident.
Car insurance for senior drivers in Mesa averages $135 per month for full coverage and $75 monthly for minimum coverage. Here are the car insurers with the lowest rates for Mesa seniors.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coveragte
▲▼
Auto-Owners
$36
$60
Mile Auto
$38
$65
State Farm
$43
$72
GEICO
$45
$77
USAA
$49
$83
Metromile
$61
$102
Sun Coast
$62
$122
National General
$63
$148
Root
$65
$101
Progressive
$70
$126
Allstate
$75
$125
Travelers
$76
$126
Mercury
$79
$135
The Hartford
$80
$134
Dairyland
$83
$211
Direct Auto
$83
$180
American Family
$86
$144
Safeco
$87
$129
COUNTRY Financial
$88
$148
Farmers
$88
$148
The General
$93
$216
Nationwide
$94
$158
Clearcover
$97
$163
Bristol West
$101
$197
GAINSCO
$107
$246
AssuranceAmerica
$120
$213
Commonwealth Casualty
$126
$306
Liberty Mutual
$139
$210
Foremost
$166
$301
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Compared to older drivers, teens and young drivers have minimal experience on the road. They're also more likely to engage in risky behaviors that can lead to crashes, including speeding and distracted driving. This is why car insurance companies usually charge them higher premiums.[5] To save on an auto policy, teens can stay on their parents’ insurance or take advantage of student-specific discounts.
The average cost of car insurance for teen drivers in Mesa is $211 per month for liability-only coverage and $379 for full coverage. The table below shows the average monthly car insurance quotes for young adults and teen drivers in Mesa.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
Auto-Owners
$90
$150
GEICO
$108
$184
Mile Auto
$113
$194
State Farm
$114
$189
USAA
$122
$207
Root
$137
$213
Metromile
$146
$243
Sun Coast
$174
$343
COUNTRY Financial
$188
$314
National General
$189
$444
Allstate
$195
$326
Dairyland
$199
$502
Progressive
$201
$359
Travelers
$205
$342
Mercury
$206
$351
The General
$216
$502
American Family
$222
$374
Safeco
$225
$332
Direct Auto
$229
$495
Farmers
$232
$390
Clearcover
$238
$401
The Hartford
$247
$414
Bristol West
$251
$486
GAINSCO
$257
$594
Nationwide
$260
$436
Commonwealth Casualty
$319
$778
Liberty Mutual
$334
$504
AssuranceAmerica
$342
$607
Foremost
$433
$786
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Mesa car insurance quotes by credit tier
Insurance companies found a correlation that suggests drivers with good to excellent credit are less risky and typically file fewer claims than those with poor credit. Because of this, some car insurers consider credit history to help them determine rates.
While some states ban the practice of using credit scores to determine premiums, Arizona allows companies to do so.[6] However, the state bans insurance companies from taking an adverse action if a driver has no credit history, so being new to credit won’t mean you can’t get coverage.
The chart below shows that a Mesa driver with excellent credit may pay $207 per month, on average, while a driver with a poor credit score might pay an average of $416 per month.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Mesa?
Mesa drivers enjoy car insurance rates that are lower than national averages and on par with the averages for their state. Rates can even vary by ZIP code and city within Arizona due to factors like population, crime rates, weather conditions, and the number of uninsured drivers.[5]
More cities in Arizona
Here’s a look at the average quotes for a full-coverage policy in other cities in Arizona, compared to Mesa.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in Mesa averages $181 per month for full coverage policies, and $101 for liability-only coverage. Those averages align with the Arizona state averages, but are less than the national average cost of car insurance.
Which are the cheapest car insurance companies in Mesa?
Auto-Owners has the cheapest car insurance rates for most Mesa drivers, with liability-only coverage as low as $80 per month. Mesa drivers can also find affordable coverage with Mile Auto and State Farm, the city's second- and third-cheapest insurers. Their average monthly rates for liability-only coverage start at $91 and $98, respectively.
What are the best car insurance companies in Mesa?
Some of the best car insurance companies in Mesa include Auto-Owners, GEICO, State Farm, and USAA. These insurers have high J.D. Power ratings in the Southwest region, strong A.M. Best financial stability ratings, and high Insurify Quality (IQ) Scores.
Mile Auto is another consideration for the best pay-per-mile car insurer, especially for people who don’t drive often, have short commutes, or work from home.
What is the minimum car insurance in Arizona?
Arizona requires $25,000 per person and $50,000 per accident for bodily injury liability coverage and $15,000 per accident for property damage liability.[2]
What factors affect Mesa car insurance premiums?
Non-personal factors like accident rates, theft rates, population, traffic congestion, and severe weather affect Mesa car insurance rates. Personal factors like your age, vehicle, coverage levels, driving record, and credit history affect your rates as well.[5]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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