120+ more*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on May 13, 2026. 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 May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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The average cost of car insurance in Mesa is $136 per month. Liability insurance in Mesa averages $97 per month, and full coverage averages $175.
Rates in Mesa, Arizona, are usually lower than in Phoenix and the nearby suburb of Tempe. Mesa has a much smaller population than Phoenix, and fewer people on the road usually reduces rates. Tempe is home to Arizona State University and has a higher population density than Mesa, which can drive up car insurance costs.
The average rate for liability-only insurance coverage in Mesa is $97 per month. This is slightly higher than Arizona’s average of $88 per month.
Arizona’s minimum coverage requirements are 25/50/15. That means you need at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability.[1]
The following table shows the cheapest liability-only car insurance coverage rates in Mesa, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Just Pay-Per-Mile | $53 |
| Auto-Owners | $53 |
| Mile Auto | $59 |
| Progressive | $64 |
| State Farm | $65 |
| Certainly | $68 |
| Sun Coast | $68 |
| Aspire General | $71 |
| Novo Flex | $72 |
| USAA | $72 |
| Mercury | $75 |
| Novo Next | $78 |
| The General | $79 |
| Novo | $82 |
| Dairyland | $84 |
| Hiroad | $87 |
| Just Unlimited | $87 |
| GEICO | $89 |
| Bristol West | $90 |
| Safeco | $90 |
| National General | $92 |
| Direct Auto | $94 |
| Trexis | $102 |
| AssuranceAmerica | $103 |
| Commonwealth Casualty | $103 |
| Root | $105 |
| Clearcover | $105 |
| GAINSCO | $106 |
| Allstate | $107 |
| Travelers | $112 |
| Covercube | $115 |
| Country Financial | $126 |
| American Family | $127 |
| The Hartford | $131 |
| Farmers | $132 |
| Nationwide | $146 |
| Liberty Mutual | $146 |
Get a quote and buy a policy in minutes. Pay for one week.
Mesa drivers pay an average of $175 per month for full-coverage car insurance. This type of insurance includes liability, collision, and comprehensive coverage. Mesa experiences regular severe weather, and full coverage can help repair or replace your vehicle if flooding, wildfires, or monsoons damage it.[2]
The following table shows the most affordable rates for a full-coverage car insurance policy in Mesa, according to Insurify data.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Auto-Owners | $94 |
| Just Pay-Per-Mile | $104 |
| Novo Flex | $105 |
| Mile Auto | $106 |
| Novo Next | $112 |
| State Farm | $116 |
| Sun Coast | $123 |
| USAA | $131 |
| Progressive | $133 |
| Novo | $133 |
| Safeco | $133 |
| Mercury | $136 |
| Aspire General | $148 |
| GEICO | $150 |
| Hiroad | $165 |
| Root | $171 |
| Bristol West | $177 |
| Just Unlimited | $179 |
| Direct Auto | $185 |
| National General | $186 |
| Clearcover | $186 |
| Allstate | $194 |
| Certainly | $195 |
| Liberty Mutual | $199 |
| Travelers | $201 |
| The General | $205 |
| AssuranceAmerica | $212 |
| Trexis | $218 |
| Commonwealth Casualty | $226 |
| Country Financial | $227 |
| American Family | $229 |
| Dairyland | $230 |
| The Hartford | $235 |
| Farmers | $236 |
| Covercube | $246 |
| GAINSCO | $250 |
| Nationwide | $263 |
Average car insurance rates in Arizona can vary between cities. As Arizona’s largest city, Phoenix has some of the highest rates. Glendale also has high average premiums, possibly due to its higher population density.
Lake Havasu City has much lower rates than Mesa, possibly due to Mesa’s younger population, longer commutes, and higher population density.
The table below highlights average monthly quotes for different cities in Arizona.
City | Average Monthly Quote |
|---|---|
| Casa Grande | $123 |
| Chandler | $127 |
| Flagstaff | $97 |
| Glendale | $164 |
| Mesa | $136 |
| Phoenix | $165 |
| Scottsdale | $129 |
| Tempe | $144 |
| Tucson | $122 |
| Yuma | $100 |
*Quotes generated for Insurify users in and around Mesa, Arizona within the last 10 days. Last updated on May 13, 2026. 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 May 13, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurers check your driving record when calculating your premiums. A clean driving record can lower your rates. But speeding tickets, at-fault accidents, or a driving under the influence (DUI) conviction can increase your rates.
Here are some of the cheapest car insurance quotes in Mesa for people with different driving records, according to Insurify data.
Cheapest car insurance for Mesa drivers with a clean driving record: Just Pay-Per-Mile
Cheapest car insurance for drivers with a speeding ticket in Mesa: Just Pay-Per-Mile
Cheapest car insurance for Mesa drivers with an at-fault accident: Just Pay-Per-Mile
Cheapest car insurance for drivers with a DUI in Mesa: Just Pay-Per-Mile
More than 4% of drivers in Mesa have an accident on their driving record, according to Insurify data. Arizona is an at-fault state, which means you pay for damages if you cause an accident. In Arizona, you can face fines and at least six months in jail for failing to report an accident.[3]
The table below shows average monthly quotes for different driving records in Mesa.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $136 |
| Speeding ticket | $173 |
| At-fault accident | $183 |
| DUI | $187 |
Most of the roads in Mesa are in fair condition, with 20% in good condition and 14% in poor condition. The majority of poor roads are located in downtown Mesa or in some of the older areas of East Mesa.[4]
The crash rate and fatal crash rate in Mesa are lower than the state and national averages. Most car crashes occur during morning and evening commutes and the lunch hour. Friday has the most crashes in the week.[5]
Main corridors like I-70, North Ave, and Patterson Road have the highest number of crashes. The majority of accidents occur at intersections, including Broadway Road and Mesa Drive, and Alma School Road and Main Street. Most fatal car crashes in Mesa are the result of a driver failing to yield, disregarding a signal, or speeding.
To make parking easy to find, downtown Mesa has more than 5,000 free parking spots. Parking garages are also free after 5 p.m. on weekdays and all day on weekends.[6]
More than 24% of Mesa residents work locally, 24% commute to Phoenix, and nearly 15% commute to Tempe. Most Mesa commuters drive to work alone, with an average commute time of 26 minutes.
Increased traffic congestion is causing a growing number of routine crashes in Mesa. More crashes usually lead to more insurance claims and higher rates.
To address congestion and improve street safety in Mesa, the city recently received $3 million in grant funding. It used some of this money to add six new traffic officers to the police force.
Teen drivers in Mesa, Arizona, can get their learner’s permit at 15 years and six months old. Teens can drive only with supervision while they have a learner’s permit. At 16, Mesa teens can get a graduated driver’s license, which allows them to drive alone with restrictions. At 18, teens can apply for their full license.[7]
Teen drivers in Mesa pay monthly averages of $207 for liability policies and $373 for full-coverage policies.
The table below shows the cheapest rates for teenage drivers in Mesa, according to Insurify data.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Just Pay-Per-Mile | $113 |
| Auto-Owners | $116 |
| Mile Auto | $131 |
| Progressive | $136 |
| State Farm | $137 |
| Certainly | $145 |
| Sun Coast | $145 |
| USAA | $145 |
| Mercury | $149 |
| Aspire General | $151 |
| Novo Flex | $153 |
| The General | $154 |
| Dairyland | $160 |
| Novo Next | $166 |
| Bristol West | $174 |
| Novo | $175 |
| GEICO | $175 |
| Hiroad | $185 |
| Just Unlimited | $185 |
| Clearcover | $189 |
| Direct Auto | $197 |
| Safeco | $197 |
| Root | $199 |
| National General | $199 |
| GAINSCO | $206 |
| Commonwealth Casualty | $209 |
| Trexis | $217 |
| Country Financial | $223 |
| Allstate | $229 |
| AssuranceAmerica | $230 |
| Covercube | $245 |
| Travelers | $251 |
| American Family | $261 |
| Liberty Mutual | $279 |
| Farmers | $285 |
| Nationwide | $308 |
| The Hartford | $317 |
Compare rates from multiple insurers, starting at $53 per month
With its warm, dry weather, Arizona has long been a destination for retirees and snowbirds. Mesa continues to be a popular retirement location, with 23% of its population aged 60 or older.[8]
Senior drivers in Mesa pay an average of $82 per month for liability insurance.
Below are some of the cheapest rates for senior drivers in Mesa.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| Auto-Owners | $41 |
| Just Pay-Per-Mile | $45 |
| Mile Auto | $46 |
| State Farm | $50 |
| Progressive | $54 |
| Certainly | $57 |
| Sun Coast | $57 |
| USAA | $58 |
| Mercury | $59 |
| Aspire General | $60 |
| Novo Flex | $61 |
| Novo Next | $66 |
| The General | $67 |
| Novo | $69 |
| GEICO | $70 |
| National General | $71 |
| Dairyland | $71 |
| Hiroad | $74 |
| Just Unlimited | $74 |
| Bristol West | $74 |
| Direct Auto | $76 |
| Safeco | $78 |
| AssuranceAmerica | $80 |
| Commonwealth Casualty | $82 |
| Allstate | $86 |
| Trexis | $86 |
| Root | $87 |
| Travelers | $88 |
| GAINSCO | $90 |
| Clearcover | $92 |
| The Hartford | $93 |
| Covercube | $97 |
| Country Financial | $99 |
| American Family | $100 |
| Farmers | $104 |
| Nationwide | $110 |
| Liberty Mutual | $120 |
To learn more about the best car insurance in Mesa, check out these answers to some common questions from drivers in the city.
The average cost of car insurance in Mesa is $136 per month. Liability-only coverage costs an average of $97 per month, and full coverage averages $175. But premiums can vary based on factors like your age, ZIP code, and coverage limits.
Just Pay-Per-Mile offers the cheapest car insurance in Mesa, with an average rate of $53 per month, according to Insurify data. But your rates depend on many different factors, including your driving record, gender, and the insurance company you choose.
Progressive is typically cheaper than GEICO in Mesa. Progressive’s car insurance rates in the city average $64 per month, while GEICO’s average $89.
Comparing quotes from multiple insurance companies is the best way to find affordable car insurance in Mesa. You can also ask your car insurance company if it offers any discounts. Many insurers offer savings for bundling policies and safe driving. Maintaining a clean driving history and good credit can also help keep your premiums down.
Yes. Many insurers offer car insurance discounts in Mesa, Arizona. Discounts vary by company, so ask your insurer what it offers. Common discounts include multi-vehicle, safe driving, and safety features discounts. Some insurers also offer a bundling discount for combining your auto insurance with homeowners or renters insurance.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Certified Financial Education Instructor
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. Her work has appeared in Time’s Stamped personal finance marketplace, Consumer Affairs, Forbes Advisor, Money Under 30 and more.
Jessica specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. As an Insurify contributor since July 2023, she’s written hundreds of articles aimed at helping readers make informed decisions about insurance.
She holds a Masters of Science degree in Cognitive Research Psychology, and is a National Financial Educators Council Certified Financial Education Instructor.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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