Cheap Auto Insurance in Mesa, Arizona (2024)
Auto-Owners has the cheapest car insurance for Mesa drivers. Its liability-only rates start at $80 per month.
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Written byAnna Baluch
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4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 20, 2024
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Table of contents
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.
Here’s what you need to know about finding cheap auto insurance in Mesa.
Quick Facts
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 | $77 | $46 | Liability coverage |
| Mile Auto | 7.5 | $88 | $51 | Low-mileage drivers |
| State Farm | 9.3 | $95 | $57 | 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 28,000 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.
Best insurer for liability coverage: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| 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. | 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 141 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 (89)
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.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.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
Quotes not available online
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.2 |
|---|---|
| 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. | 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 |
4.2
Best choiceBased on 53 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy 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
Doesn’t require an in-vehicle telematics device
Cons
Limited available discounts
No mobile app
Best insurer for discounts: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | 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 9036 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 (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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: Friday, November 1 at 12:00 PM PDT.
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: Friday, November 1 at 12:00 PM PDT.
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 using Insurify have found quotes as cheap as $34/mo for liability only and $47/mo for full coverage in Mesa and other Arizona cities.
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on November 20, 2024
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 November 20, 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 November 20, 2024
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 November 20, 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 |
|
| Property damage liability |
|
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.
Medical payments coverage
Similar to personal injury protection (PIP) coverage, medical payments insurance pays for medical expenses and funeral costs, no matter who’s at fault.
Roadside assistance coverage
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.
)
How Much Car Insurance Do You Need?
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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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, $249 per month for full coverage and $139 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Record ▲▼ | With Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $48 | $62 |
| Mile Auto | $53 | $69 |
| State Farm | $59 | $75 |
| GEICO | $60 | $77 |
| USAA | $65 | $84 |
| Metromile | $79 | $108 |
| Root | $81 | $112 |
| Sun Coast | $83 | $114 |
| National General | $87 | $112 |
| Allstate | $98 | $126 |
| Travelers | $102 | $132 |
| Progressive | $103 | $132 |
| Mercury | $105 | $145 |
| Safeco | $107 | $140 |
| Dairyland | $110 | $141 |
| Direct Auto | $113 | $145 |
| American Family | $115 | $148 |
| COUNTRY Financial | $115 | $153 |
| Clearcover | $117 | $151 |
| The Hartford | $118 | $168 |
| Farmers | $119 | $152 |
| The General | $121 | $159 |
| Bristol West | $133 | $172 |
| Nationwide | $133 | $173 |
| GAINSCO | $134 | $186 |
| Commonwealth Casualty | $166 | $230 |
| AssuranceAmerica | $168 | $216 |
| Liberty Mutual | $175 | $242 |
| Foremost | $219 | $303 |
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: Friday, November 1 at 12:00 PM PDT.
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 | $142 |
| 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 | $180 |
| GAINSCO | $134 | $172 |
| Commonwealth Casualty | $166 | $217 |
| AssuranceAmerica | $168 | $220 |
| Liberty Mutual | $175 | $250 |
| 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: Friday, November 1 at 12:00 PM PDT.
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 | $161 |
| 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 | $285 |
| 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coveragte ▲▼ |
|---|---|---|
| Auto-Owners | $36 | $60 |
| Mile Auto | $38 | $65 |
| State Farm | $43 | $72 |
| GEICO | $45 | $77 |
| USAA | $49 | $84 |
| Metromile | $61 | $102 |
| Sun Coast | $62 | $123 |
| National General | $63 | $149 |
| Root | $65 | $101 |
| Progressive | $70 | $126 |
| Allstate | $75 | $125 |
| Travelers | $76 | $126 |
| Mercury | $79 | $134 |
| The Hartford | $80 | $133 |
| Dairyland | $83 | $211 |
| Direct Auto | $84 | $181 |
| American Family | $86 | $144 |
| Safeco | $87 | $129 |
| COUNTRY Financial | $88 | $147 |
| Farmers | $88 | $148 |
| The General | $93 | $217 |
| Nationwide | $94 | $158 |
| Clearcover | $96 | $162 |
| Bristol West | $101 | $197 |
| GAINSCO | $107 | $247 |
| AssuranceAmerica | $120 | $213 |
| Commonwealth Casualty | $126 | $307 |
| Liberty Mutual | $140 | $211 |
| Foremost | $166 | $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 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 $378 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: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $90 | $150 |
| GEICO | $108 | $183 |
| Mile Auto | $113 | $194 |
| State Farm | $113 | $188 |
| USAA | $122 | $206 |
| Root | $137 | $212 |
| Metromile | $145 | $243 |
| Sun Coast | $173 | $343 |
| COUNTRY Financial | $188 | $313 |
| National General | $188 | $444 |
| Allstate | $194 | $324 |
| Dairyland | $199 | $502 |
| Progressive | $201 | $359 |
| Travelers | $205 | $341 |
| Mercury | $206 | $352 |
| The General | $216 | $501 |
| American Family | $221 | $373 |
| Safeco | $227 | $335 |
| Direct Auto | $229 | $494 |
| Farmers | $231 | $389 |
| Clearcover | $238 | $401 |
| The Hartford | $246 | $413 |
| Bristol West | $250 | $485 |
| GAINSCO | $257 | $594 |
| Nationwide | $258 | $433 |
| Commonwealth Casualty | $319 | $777 |
| Liberty Mutual | $335 | $505 |
| AssuranceAmerica | $341 | $606 |
| Foremost | $432 | $783 |
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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Chandler | $177 | $95 |
| Flagstaff | $133 | $69 |
| Glendale | $215 | $120 |
| Phoenix | $216 | $116 |
| Scottsdale | $180 | $98 |
| Tempe | $196 | $105 |
| Tucson | $166 | $88 |
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.
Mesa car insurance FAQs
Check out Insurify’s guide on the factors that affect your car insurance rates and read up on the answers to common questions about Mesa car insurance.
How much is car insurance in Mesa?
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
- 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.
Related articles
More cities in Arizona
Sources
- Mesa Police Department. "Injury Accidents Per 1,000 Residents."
- Arizona Department of Transportation. "Vehicle Insurance Information."
- Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022."
- National Safety Council. "Speeding."
- III. "What determines the price of an auto insurance policy?."
- Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
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Anna BaluchInsurance Writer
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.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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