Cheap Auto Insurance in Mesa, Arizona (2024)

Auto-Owners has the cheapest car insurance for Mesa drivers. Its liability-only rates start at $81 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
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  • 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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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Updated June 13, 2024

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Cheapest recent rates near Mesa, Arizona

Recent Mesa, Arizona car insurance prices for Honda, BMW, Toyota , and more.

*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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, $102 for minimum coverage and $199 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Auto-Owners4.3$79$47Liability coverage
Mile Auto3.7$83$52Low-mileage drivers
State Farm4.6$97$58Discounts
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability coverage: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
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++
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.
$49/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.
$81/mo

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

Read our Auto-Owners review
Thomas - June 12, 2024
Verified

Good Customer Service

The service is very good. They offer a one-year policy and a discount for paying in full. However, the price is too high.

Martine - June 7, 2024
Verified

Poor Customer Service

The customer service is poor, I would recommend staying away.

Jack - June 4, 2024
Verified

Auto Owners has always been good!

I really like the agent. We primarily communicated via email. She was always great to work with.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
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
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.
$54/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.
$86/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
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.
$61/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.
$100/mo

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

Read our State Farm review
Laudita - June 13, 2024
Verified

No Consideration at All, They Don't Care About the Years Spent With Them

They doubled my insurance premium without any reason. I haven't had an accident in the last 10 years.

Luisa - June 13, 2024
Verified

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

The agent was friendly, helpful, and courteous. However, I am dissatisfied with the auto insurance rate I am being charged, which is why I am exploring other car insurance options.

Daniel - June 13, 2024
Verified

Excellent

I have no complaints. It has been very good.

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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$49
Mile Auto$54
State Farm$61
GEICO$63
Root$67
USAA$69
Sun Coast$80
Metromile$81
Safeco$81
National General$84
Midvale Home & Auto$93
Allstate$102
Mercury$104
Progressive$104
Travelers$105
Direct Auto$106
Hallmark$113
Dairyland$115
COUNTRY Financial$119
American Family$120
The Hartford$123
Farmers$124
GAINSCO$125
The General$127
Nationwide$139
Infinity$142
Liberty Mutual$142
Bristol West$150
AssuranceAmerica$156
Commonwealth Casualty$177
Foremost$222
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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners$81
Mile Auto$86
State Farm$100
GEICO$103
Root$109
USAA$113
Safeco$132
Metromile$133
Midvale Home & Auto$147
Allstate$167
Sun Coast$168
Mercury$172
Travelers$173
Progressive$183
COUNTRY Financial$195
Infinity$195
National General$195
American Family$197
Nationwide$202
The Hartford$202
Farmers$203
State Auto$210
Direct Auto$226
Liberty Mutual$242
AssuranceAmerica$248
Hallmark$260
Dairyland$273
The General$278
GAINSCO$282
Bristol West$283
Foremost$378
Commonwealth Casualty$414
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

Recent Mesa, Arizona car insurance prices for Subaru, RAM, Honda , and more.

*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on June 12, 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 June 12, 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 June 12, 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 June 12, 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for non-accident-related damages to your vehicle from events like fire, theft, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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? (2024)

How Much Car Insurance Do You Need? (2024)

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 $135/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, $287 per month for full coverage and $147 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
Auto-Owners$49$64
Mile Auto$54$75
State Farm$61$79
GEICO$63$82
Root$67$93
USAA$69$90
Sun Coast$80$115
Metromile$81$111
Safeco$81$107
National General$84$107
Midvale Home & Auto$93$125
Allstate$102$133
Mercury$104$145
Progressive$104$136
Travelers$105$138
Direct Auto$106$139
Hallmark$113$147
Dairyland$115$151
COUNTRY Financial$119$158
American Family$120$156
The Hartford$123$175
Farmers$124$160
GAINSCO$125$179
The General$127$167
Nationwide$139$183
Infinity$142$192
Liberty Mutual$142$204
Bristol West$150$194
AssuranceAmerica$156$208
Commonwealth Casualty$177$254
Foremost$222$319
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 $149 for liability-only policies and $291 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
Auto-Owners$49$66
Mile Auto$54$80
State Farm$61$82
GEICO$63$85
Root$67$96
USAA$69$93
Sun Coast$80$117
Metromile$81$114
Safeco$81$106
National General$84$113
Midvale Home & Auto$93$133
Allstate$102$138
Mercury$104$149
Progressive$104$143
Travelers$105$143
Direct Auto$106$146
Hallmark$113$148
Dairyland$115$155
COUNTRY Financial$119$166
American Family$120$161
The Hartford$123$182
Farmers$124$166
GAINSCO$125$163
The General$127$175
Nationwide$139$189
Infinity$142$189
Liberty Mutual$142$209
Bristol West$150$199
AssuranceAmerica$156$211
Commonwealth Casualty$177$235
Foremost$222$327
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 $330 per month for full coverage and $169 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
Auto-Owners$49$82
Mile Auto$54$82
State Farm$61$102
GEICO$63$105
Root$67$112
USAA$69$115
Sun Coast$80$133
Metromile$81$136
Safeco$81$136
National General$84$141
Midvale Home & Auto$93$156
Allstate$102$171
Mercury$104$157
Progressive$104$174
Travelers$105$176
Direct Auto$106$177
Hallmark$113$189
Dairyland$115$192
COUNTRY Financial$119$199
American Family$120$201
The Hartford$123$185
Farmers$124$207
GAINSCO$125$209
The General$127$213
Nationwide$139$233
Infinity$142$238
Liberty Mutual$142$238
Bristol West$150$251
AssuranceAmerica$156$261
Commonwealth Casualty$177$296
Foremost$222$371
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 $141 per month for full coverage and $72 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coveragte
Auto-Owners$36$59
Mile Auto$38$60
State Farm$44$72
GEICO$47$76
Root$51$83
USAA$51$83
Sun Coast$57$119
Metromile$60$98
Safeco$61$99
National General$62$145
Midvale Home & Auto$65$104
Progressive$69$121
Mercury$72$120
Allstate$76$124
Direct Auto$76$162
Travelers$76$126
The Hartford$79$130
Hallmark$80$183
Dairyland$85$203
American Family$86$142
COUNTRY Financial$87$143
Farmers$89$146
GAINSCO$95$215
Nationwide$96$139
The General$97$211
Infinity$99$136
Liberty Mutual$105$178
AssuranceAmerica$109$174
Bristol West$111$210
Commonwealth Casualty$130$305
Foremost$160$273
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 $199 per month for liability-only coverage and $389 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners$88$146
GEICO$104$170
Root$108$175
State Farm$108$177
Mile Auto$109$173
USAA$120$196
Metromile$142$234
Sun Coast$156$328
National General$165$382
Midvale Home & Auto$169$267
Safeco$175$285
COUNTRY Financial$184$302
Allstate$186$305
Progressive$196$345
Mercury$197$326
Travelers$197$325
Dairyland$202$478
Direct Auto$202$430
Hallmark$209$481
The General$215$472
American Family$219$360
Farmers$228$373
GAINSCO$233$525
The Hartford$246$404
Nationwide$248$361
Bristol West$267$504
Infinity$271$372
Liberty Mutual$274$467
AssuranceAmerica$302$479
Commonwealth Casualty$327$765
Foremost$411$699
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.

CityFull CoverageLiability Only
Chandler$189$99
Flagstaff$148$71
Glendale$225$122
Phoenix$230$117
Scottsdale$189$100
Tempe$207$107
Tucson$177$90
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 $199 per month for full coverage policies, and $102 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 $81 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 $86 and $100, 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.

Sources

  1. Mesa Police Department. "Injury Accidents Per 1,000 Residents."
  2. Arizona Department of Transportation. "Vehicle Insurance Information."
  3. Arizona Department of Transportation. "Arizona Motor Vehicle Crash Facts 2022."
  4. National Safety Council. "Speeding."
  5. III. "What determines the price of an auto insurance policy?."
  6. Arizona Department of Insurance. "Consumer Guide: How Insurance Companies Use Credit Information."
Anna Baluch
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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