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Cheapest recent rates in Arizona
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $50/mo for full coverage in Arizona.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on March 25, 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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Arizona within the last 10 days. Last updated on March 25, 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 March 25, 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. While a great place to live and work, Mesa’s residents pay a bit more for full-coverage car insurance, possibly due to the city being the third-largest in Arizona.
The average monthly cost of liability-only car insurance in Mesa is $184 and $268 for full coverage. Fortunately, many car insurance companies offer affordable prices. 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.
Liability-only coverage in Mesa is only about 2% more expensive than the state average.
The student populations at Mesa colleges and universities like Mesa Community College and Arizona State University Polytechnic Campus may contribute to the city’s slightly higher car insurance rates.
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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.
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.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$77/mo
Founded in 1916, Auto-Owners offers various insurance products, including car insurance, homeowners insurance, life insurance, and business insurance. Its auto insurance policies include perks like at-fault accident forgiveness, rental car coverage, and common loss deductible.
Pros
A.M. Best financial strength rating of A++ (Superior)
Various standard and non-standard policies
Cons
Lower-than-average J.D. Power claims satisfaction rating
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.
3.4
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.
$52/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.
$82/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
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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$95/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
Craig - March 26, 2024
Verified
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
I called three times to talk with an agent, but he never called back. It was a very disappointing experience!
David - March 26, 2024
Verified
Considering Expanding Coverage
I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.
Beverly - March 26, 2024
Verified
Unsatisfactory Experience
A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
48
Mile Auto
52
State Farm
59
GEICO
61
Root
64
State Auto
65
USAA
66
Safeco
72
Metromile
79
Sun Coast
79
National General
84
Midvale Home & Auto
93
Allstate
99
Mercury
101
Progressive
102
Travelers
102
Direct Auto
105
Hallmark
111
Dairyland
113
COUNTRY Financial
115
American Family
116
Farmers
119
The Hartford
119
GAINSCO
120
The General
124
Nationwide
134
Liberty Mutual
135
Infinity
144
AssuranceAmerica
148
Bristol West
150
Commonwealth Casualty
170
Foremost
215
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
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
77
Mile Auto
82
State Farm
95
GEICO
98
Root
103
USAA
106
Metromile
127
Safeco
130
Midvale Home & Auto
145
Travelers
149
Allstate
158
Sun Coast
162
Mercury
164
Nationwide
179
Progressive
179
COUNTRY Financial
185
American Family
186
National General
191
The Hartford
191
Farmers
193
State Auto
195
Infinity
206
Direct Auto
209
Liberty Mutual
226
AssuranceAmerica
231
Hallmark
249
The General
257
GAINSCO
262
Dairyland
265
Bristol West
277
Foremost
390
Commonwealth Casualty
394
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.
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:[1]
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.
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Cheapest car insurance for drivers with a speeding ticket
Arizona’s 2021 crash report shows nearly 20,000 injuries in speed-related accidents in the state.[2] Speeding can make it difficult for drivers to react safely and avoid an accident.[3] 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.
The table below shows the cheapest auto insurers in Mesa for drivers with a speeding ticket.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
102
64
Mile Auto
120
76
State Farm
121
75
GEICO
126
79
USAA
136
85
Root
152
94
Safeco
183
102
Metromile
184
115
Travelers
195
134
Allstate
203
127
Nationwide
233
174
Progressive
240
137
American Family
243
152
COUNTRY Financial
243
151
Mercury
243
150
National General
247
109
Farmers
249
153
Infinity
275
192
Direct Auto
279
140
The Hartford
291
181
Liberty Mutual
313
187
AssuranceAmerica
320
205
GAINSCO
329
151
The General
342
165
Dairyland
352
150
Bristol West
363
196
Commonwealth Casualty
493
213
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
In 2021, Mesa reported 6,091 car accidents that led to 1,825 injuries and 43 fatalities. These crashes also led to $20.156 billion in economic losses for Arizona.[2] 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.
The table below shows the most affordable insurance for Mesa drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
105
66
Mile Auto
127
80
State Farm
127
79
GEICO
132
82
USAA
143
89
Root
157
98
Metromile
191
119
Safeco
192
107
Travelers
204
139
Allstate
213
133
Nationwide
244
182
Progressive
252
143
American Family
253
158
Mercury
253
156
COUNTRY Financial
259
161
Farmers
260
160
National General
262
115
Infinity
271
189
State Auto
288
96
Direct Auto
292
147
The Hartford
302
188
AssuranceAmerica
328
210
Liberty Mutual
328
196
GAINSCO
348
159
The General
358
173
Dairyland
365
156
Bristol West
373
202
Commonwealth Casualty
536
231
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
Alcohol-related crashes accounted for more than 20% of all fatal crashes in Arizona and 4% of all crashes in Mesa in 2021.[2] 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.
Here’s a look at the cheapest car insurance companies for drivers with a DUI in Mesa.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
124
77
Mile Auto
132
84
State Farm
153
95
GEICO
158
98
Root
159
98
USAA
171
106
Metromile
193
120
Safeco
209
116
Travelers
240
164
Allstate
254
159
Mercury
270
166
Nationwide
288
216
Progressive
288
164
COUNTRY Financial
298
185
American Family
299
187
The Hartford
303
189
National General
308
135
Farmers
311
192
State Auto
314
105
Infinity
332
232
Direct Auto
337
169
Liberty Mutual
364
217
AssuranceAmerica
372
238
The General
414
200
GAINSCO
422
193
Dairyland
427
182
Bristol West
446
242
Commonwealth Casualty
573
247
Foremost
628
346
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
Physical and mental impairments can make it difficult for seniors to drive safely. For this reason, average premiums usually decrease around age 35 and increase again around age 75.[4] Despite these slight increases, senior drivers still tend to have the most affordable coverage compared to other drivers.
Here are the cheapest car insurance companies for senior drivers in Mesa.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
41
25
Mile Auto
47
30
State Farm
48
30
GEICO
54
33
USAA
60
38
Root
65
41
Metromile
74
46
Progressive
80
45
Travelers
83
57
The Hartford
85
53
Nationwide
87
65
Safeco
87
48
Allstate
89
56
American Family
97
60
COUNTRY Financial
100
62
Mercury
102
63
Farmers
103
63
Direct Auto
115
58
AssuranceAmerica
125
80
National General
125
55
Liberty Mutual
130
78
Dairyland
161
69
Bristol West
162
88
The General
166
80
GAINSCO
171
79
Commonwealth Casualty
251
108
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
Compared to older drivers, teens and young drivers have minimal experience on the road. 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 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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Auto-Owners
135
84
GEICO
162
101
Mile Auto
164
104
Root
168
104
State Farm
170
106
USAA
183
114
Metromile
226
141
Safeco
243
135
COUNTRY Financial
278
173
Travelers
280
192
Allstate
290
182
Mercury
315
194
Nationwide
320
240
American Family
331
207
Progressive
333
190
Farmers
351
217
Infinity
363
254
State Auto
365
122
National General
379
167
The Hartford
389
242
Direct Auto
399
200
Liberty Mutual
401
239
The General
431
208
Dairyland
451
192
AssuranceAmerica
459
294
Bristol West
483
261
GAINSCO
492
226
Commonwealth Casualty
723
312
Foremost
729
402
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.
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.
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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 scores 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?
Car insurance premiums for Mesa drivers are slightly higher than the national average. 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] For example, average monthly quotes are higher in Mesa than in every Arizona city, except for Scottsdale and Tucson.
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.
The average cost of car insurance in Mesa is $184 a month for liability-only coverage and $268 for full coverage.
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.[1]
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.
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.