Updated: November 21, 2025
Advertising & Editorial Disclosure
Travelers offers the cheapest car insurance in Mesa at $634 per year for minimum coverage and $1,175 per year for full coverage. Other major insurers serving Mesa include GEICO, State Farm and Auto-Owners.
Drivers in Mesa pay an average of $943 per year for minimum coverage and $1,867 per year for full coverage.
Travelers also offers the cheapest car insurance in Arizona at $495 per year for minimum coverage and $993 per year for full coverage.
Among insurers MoneyGeek analyzed in Mesa, Travelers offers the cheapest minimum coverage at $634 per year, 33% below the city average of $943. For full coverage, Travelers costs $1,175 annually compared to Mesa's average of $1,867.
GEICO provides another affordable option at $714 per year for minimum coverage and $1,526 for full coverage. Choosing Travelers over the average Mesa insurer saves you about $26 monthly for minimum coverage and $58 monthly for full coverage.
| Travelers | $53 | $98 | -38% |
| GEICO | $60 | $127 | -24% |
| State Farm | $61 | $130 | -22% |
| Auto-Owners | $65 | $128 | -21% |
| Progressive | $85 | $140 | -8% |
Young drivers in Mesa face the steepest premiums at $1,380 annually with Travelers, while adult drivers pay just $634 per year, less than half the cost. Senior drivers fall in the middle at $911 per year with Travelers.
The 117% difference is because of the higher accident risk associated with inexperienced drivers.
Young drivers in Mesa get the lowest car insurance rates with Travelers and GEICO, offering average monthly premiums of $115 and $127.
| 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% |
Travelers offers the most affordable car insurance in Mesa for adults aged 26 to 64, with rates about 36% below the city average. GEICO and State Farm also provide competitive pricing.
| Travelers | $53 | $634 | -36% |
| Geico | $60 | $714 | -27% |
| State Farm | $61 | $731 | -26% |
| Auto Owners | $65 | $777 | -21% |
| Safeway Insurance | $81 | $975 | -1% |
Seniors in Mesa can find the cheapest car insurance through Travelers, which charges around $76 per month ($911 annually) for minimum coverage and $140 per month ($1,675 annually) for full coverage. These rates help older drivers stay protected without overspending. Seniors who drive less or complete defensive driving courses can often qualify for additional savings.
| 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% |
Drivers in Mesa with bad credit can find the most affordable car insurance from Safeway, with monthly premiums starting at $84 for minimum coverage. This option allows credit-challenged drivers to stay insured while rebuilding their credit. Consistent on-time payments and reducing overall debt can help lower premiums during future renewals.
| 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% |
State Farm provides the lowest car insurance rates. Drivers who complete DUI programs and maintain clean records can get lower rates.
| 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% |
Drivers in Mesa with an at-fault accident can save the most with Travelers, which charges about $68 per month.
| 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% |
If you have a speeding ticket, State Farm offers the lowest rates for minimum coverage at $65 per month, while Travelers provides the most affordable full coverage option at $130.
| Auto Owners | $65 | $777 | -35% |
| State Farm | $65 | $782 | -35% |
| Travelers | $65 | $785 | -35% |
| Geico | $75 | $900 | -25% |
| Safeway Insurance | $83 | $998 | -17% |
Travelers earns the top spot in Mesa with a MoneyGeek score of 96, offering competitive pricing and dependable claims handling. Auto-Owners follows with a score of 93. It has strong customer satisfaction and financial stability.
| 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 |
Strong ratings across all categories
Excellent young driver rates
Multiple driver category wins
Limited coverage options
Higher rates after accidents
Travelers ranks first in Mesa for its affordability and service quality. The company offers rates well below the city average. It offers competitive rates for newer cars, adult drivers, seniors and young drivers.
Top-rated customer service
Competitive rates
Quick claims processing
Fewer digital tools
Limited coverage
Auto-Owners has good customer service and competitive rates. It offers good rates for those with older cars and speeding tickets. While Auto-Owners provides fewer digital tools than some competitors, its personal service approach and quick claims handling make it a good choice.
Car insurance in Mesa averages $943 per year for minimum coverage and $1,867 per year for full coverage. These rates align closely with Arizona statewide costs, reflecting Mesa's moderate risk profile.
Travelers' premiums of $634 for minimum coverage and $1,175 for full coverage fall significantly below city averages, potentially saving Mesa drivers $300 to $700 annually. Your specific rate varies based on driving history, age and the coverage levels you select.
| Full Coverage | $156 | $1,867 |
| Minimum Coverage | $79 | $943 |
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.
| 85201 | $101 | $186 |
Our guide shows you how to look for insurance.
Begin by determining the exact amount of coverage you need for your situation. Use our car insurance coverage needs calculator.
Beyond standard types of car insurance, consider pay-per-mile coverage or non-ownerinsurance.
Look for every car insurance discount option. Consider bundling multiple policies or getting multi-car discounts.
Look beyond just price when choosing an insurer.
Contact at least three different insurance companies for quotes.
Set a yearly reminder to review your coverage and shop for new quotes.
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.
Get straightforward answers about affordable car insurance in Mesa. We'll help you find the right coverage that fits your budget without sacrificing protection.
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.
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.
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.
Car insurance in Mesa costs more than average, ranking 256th for minimum coverage affordability and 199th for full coverage compared to other Arizona cities.
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:
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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in Mesa based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
