Travelers offers Mesa's lowest car insurance rates with annual premiums of $634 for minimum coverage and $1,175 for full coverage. Other affordable insurers in the city include GEICO, State Farm and Auto-Owners.
Car Insurance Mesa
Updated: September 3, 2025
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Key Takeaways
Mesa's cheapest car insurance companies are Travelers, GEICO and State Farm, with savings up to 39% compared to the city average.
Monthly car insurance costs in Mesa average $156 for full coverage and $79 for minimum coverage.
To find the best cheap auto insurance in Mesa, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Mesa?
| Travelers | $53 | $98 | -38% |
| GEICO | $60 | $127 | -24% |
| State Farm | $61 | $130 | -22% |
| Auto-Owners | $65 | $128 | -21% |
| Progressive | $85 | $140 | -8% |
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Compare the Cheapest Mesa Car Insurance for You
Your car insurance rates depend on personal details like your driving record, age and credit score. Check the table below to find the cheapest insurance company for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $135 | $1,614 | -43% |
| State Farm | $149 | $1,783 | -37% |
| Auto-Owners | $180 | $2,156 | -24% |
| Progressive | $185 | $2,219 | -22% |
| GEICO | $220 | $2,640 | -7% |
Cheapest Car Insurance by Age Group in Mesa
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26-64 (adults), and 65+ (seniors). Based on our data in Mesa, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: Travelers (from $115 per month)
- Cheapest Car Insurance for Adults: Travelers (from $53 per month)
- Cheapest Car Insurance for Seniors: Travelers (from $76 per month)
Cheapest Car Insurance for Young Drivers in Mesa
Travelers and GEICO offer the best car insurance rates for young drivers in Mesa with average monthly premiums of $115 and $127 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $115 | $1,380 | -43% |
| GEICO | $127 | $1,530 | -36% |
| State Farm | $144 | $1,730 | -28% |
| Safeway Insurance | $153 | $1,835 | -24% |
| Auto-Owners | $155 | $1,863 | -23% |
Cheapest Car Insurance for Adult Drivers in Mesa
In Mesa, Travelers provides the lowest rates for adult drivers (26 to 64), saving drivers around 36% on average. GEICO and State Farm are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $53 | $634 | -36% |
| GEICO | $60 | $714 | -27% |
| State Farm | $61 | $731 | -26% |
| Auto-Owners | $65 | $777 | -21% |
| Safeway Insurance | $81 | $975 | -1% |
Cheapest Car Insurance for Senior Drivers in Mesa
Senior drivers in Mesa can find the most affordable car insurance rates with Travelers. The company offers minimum coverage at $76 per month or $911 annually. For full coverage, Travelers rates average $140 monthly or $1,675 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $76 | $911 | -34% |
| State Farm | $79 | $948 | -31% |
| GEICO | $81 | $969 | -30% |
| Safeway Insurance | $93 | $1,114 | -19% |
| Auto-Owners | $109 | $1,306 | -5% |
Cheapest Car Insurance for High-Risk Drivers in Mesa
If you're a high-risk driver in Mesa, these insurance companies offer the lowest rates based on your specific situation: Â
- Cheapest for Bad Credit: Safeway (from $84 per month)
- Cheapest With a DUI: State Farm (from $65 per month)
- Cheapest With an Accident: Travelers (from $68 per month)
- Cheapest With a Speeding Ticket: State Farm (from $65 per month)
Cheapest Car Insurance for Bad Credit in Mesa
Safeway offers the cheapest car insurance for bad credit in Mesa. Monthly rates start at $84 for minimum coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Safeway Insurance | $84 | $1,009 | -54% |
| GEICO | $100 | $1,200 | -45% |
| Travelers | $128 | $1,537 | -29% |
| Auto-Owners | $132 | $1,580 | -27% |
| Nationwide | $141 | $1,688 | -23% |
Cheapest Car Insurance With a DUI in Mesa
State Farm offers the most affordable car insurance for Mesa drivers with a DUI. You can save up to 50% on minimum coverage and 47% on full coverage compared to average city rates.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $65 | $782 | -50% |
| Travelers | $75 | $897 | -42% |
| Progressive | $103 | $1,241 | -20% |
| Safeway Insurance | $107 | $1,290 | -17% |
| Auto-Owners | $122 | $1,467 | -5% |
Cheapest Car Insurance With an Accident in Mesa
Drivers in Mesa with an accident on record can find the lowest rates with Travelers, starting at $68 per month, about 43% less than the city's average premium.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Travelers | $68 | $817 | -43% |
| State Farm | $71 | $851 | -40% |
| GEICO | $90 | $1,077 | -24% |
| Auto-Owners | $93 | $1,122 | -21% |
| Safeway Insurance | $107 | $1,290 | -10% |
Cheapest Car Insurance With a Speeding Ticket in Mesa
If you have a speeding ticket in Mesa, State Farm offers the cheapest minimum coverage at $65 per month. For full coverage, Travelers has the most affordable policy at $130 monthly.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto Owners | $65 | $777 | -35% |
| State Farm | $65 | $782 | -35% |
| Travelers | $65 | $785 | -35% |
| Geico | $75 | $900 | -25% |
| Safeway Insurance | $83 | $998 | -17% |
Best Car Insurance Companies in Mesa
Mesa's top car insurance companies are Travelers, Auto-Owners, Progressive, State Farm and GEICO. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 96 | 1 | 2 | 4 |
| Auto-Owners | 93 | 4 | 1 | 5 |
| Progressive | 88 | 5 | 3 | 2 |
| State Farm | 87 | 3 | 4 | 6 |
| GEICO | 86 | 2 | 6 | 6 |
Travelers: Best Overall Value
pros
Strong ratings across all categories
Excellent young driver rates
Multiple driver category wins
cons
Limited coverage options
Higher rates after accidents
COMPANY HIGHLIGHTS
Travelers ranks first in Mesa for its balanced mix of affordability and service quality. The company offers rates well below the city average while maintaining high customer satisfaction scores. Travelers particularly stands out for its competitive rates for newer cars, adult drivers, seniors, and young drivers. The company's strong customer service ratings mean quick claim responses and smooth policy management.
Auto-Owners: Best Customer Service
pros
Top-rated customer service
Competitive rates for experienced drivers
Quick claims processing
cons
Fewer digital tools
Limited coverage options
COMPANY HIGHLIGHTS
Auto-Owners earns its second-place ranking through exceptional customer service and competitive rates. The company excels with experienced drivers, offering particularly good rates for those with older cars and even those with speeding tickets. While Auto-Owners provides fewer digital tools than some competitors, its personal service approach and quick claims handling make it a standout choice for Mesa drivers who value traditional service.
How Much Is Car Insurance in Mesa?
In Mesa, minimum coverage costs about $79 per month or $943 per year, ranking 256th out of all Arizona cities for affordability. Full coverage averages $156 monthly or $1,867 annually, ranking 199th among Arizona cities.
| Full Coverage | $156 | $1,867 |
| Minimum Coverage | $79 | $943 |
Compare Personalized Mesa Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, the table below lets you filter Mesa car insurance costs by your specific combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $228 | $2,731 | 17% |
Mesa Car Insurance Costs by ZIP Code
In Mesa, car insurance rates by ZIP code range from $67 to $186 per month. ZIP code 85201 is the most expensive, while 85215 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:85201
| 85201 | $101 | $186 |
How to Get the Best Cheap Mesa Car Insurance
Mesa drivers face some of the highest car insurance rates in Arizona, but you can still find affordable coverage with the right approach. Our step-by-step guide shows you exactly how to compare insurers and unlock discounts to lower your monthly premium.
- 1
Calculate your exact coverage needs
Start by determining how much coverage you actually need for your situation. Use our car insurance coverage needs calculator to evaluate your requirements based on your car's value, assets, and risk tolerance. This will help you avoid paying for unnecessary coverage while ensuring you have adequate protection.
- 2
Look into alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? A non-owner policy could be your best choice.
- 3
Know the average costs in Mesa
Research average vehicle insurance costs in Mesa to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Knowing local averages gives you leverage when negotiating with insurance providers.
- 4
Check all available discounts
Maximize your savings by exploring every car insurance discount option. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for safe driving records, anti-theft devices, or completing defensive driving courses.
- 5
Research insurance company ratings
Look beyond just price when choosing an insurer. Check customer reviews, financial strength ratings, and claims satisfaction scores. A company's reputation for customer service and claims handling can be just as important as competitive rates.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're getting the best rates. Each company uses different factors to calculate premiums, so prices can vary significantly.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Your circumstances and insurance needs change over time, and new discounts or better rates may become available. Regular policy reviews ensure you maintain the best coverage at the lowest price.
Cheapest Car Insurance in Mesa: Bottom Line
Car insurance rates in Mesa depend on your age, driving record and credit score. Travelers and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Mesa Car Insurance: FAQ
Get straightforward answers about affordable car insurance in Mesa. We'll help you find the right coverage that fits your budget without sacrificing protection.
What is the cheapest car insurance company in Mesa, Arizona?
Travelers offers the lowest rates in Mesa, with average annual premiums of $634 for minimum coverage and $1,175 for full coverage. Rates vary by individual factors, so compare quotes.
Who offers the best car insurance in Mesa?
Travelers leads Mesa's car insurance providers with a MoneyGeek score of 96 out of 100, scoring three points higher than Auto-Owners. Travelers excels in both affordable rates and quality service.
What is the average cost of car insurance in Mesa?
Mesa drivers pay $1,867 per year for full coverage and $943 for minimum coverage. Your actual rates will vary based on individual factors like driving history and coverage choices.
Is car insurance in Mesa expensive?
Car insurance in Mesa costs more than average, ranking 256th for minimum coverage affordability and 199th for full coverage compared to other Arizona cities.
How We Chose the Best and Cheapest Car Insurance in Mesa, AZ
To help Mesa drivers find the most affordable auto insurance companies, MoneyGeek analyzed Mesa auto insurance rates based on data and information from the Arizona Department of Insurance and Financial Institutions and Quadrant Information Services. We studied all ZIP codes in Mesa and hundreds of thousands of quotes for 12 companies offering auto insurance in Arizona to tailor options as closely as possible to you.
Mesa Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Mesa with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Mesa
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Arizona are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Mesa based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
