Updated: November 12, 2025
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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 between young and adult driver rates reflects the higher accident risk associated with inexperienced drivers. Travelers consistently provides the best rates across all three age groups in Mesa, making it the go-to choice regardless of your age.
Young drivers in Mesa can find the lowest car insurance rates with Travelers and GEICO, offering average monthly premiums of $115 and $127. Both companies combine affordable pricing with reliable coverage and strong customer service.Â
Since young drivers often pay higher premiums due to limited experience, maintaining clean driving records and using student or telematics discounts can help lower long-term costs.
| 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% |
For adults aged 26 to 64, Travelers offers the most affordable car insurance in Mesa, with rates about 36 percent below the city average. GEICO and State Farm also provide competitive pricing for experienced drivers. Adults can save more by bundling auto and home insurance or joining programs that reward safe driving behavior.
| 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% |
High-risk drivers in Mesa can still find affordable options from Safeway, State Farm, and Travelers. These insurers offer some of the lowest rates for drivers with credit issues, DUIs, or past accidents. Maintaining continuous coverage and a clean driving record can help reduce costs over time.
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% |
For Mesa drivers with a DUI, State Farm provides the lowest car insurance rates. The company’s policies are about 50 percent cheaper for minimum coverage and 47 percent lower for full coverage than citywide averages. Drivers who complete DUI programs and maintain clean records afterward may see rates decrease over time.
| 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, roughly 43 percent less than the city average. The company’s solid claims process and consistent pricing make it a dependable choice for drivers recovering from recent accidents.
| 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 in Mesa at $65 per month, while Travelers provides the most affordable full coverage option at about $130 per month. Maintaining a clean record for several years can help drivers regain access to lower premiums.
| 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 95.76, offering both competitive pricing and dependable claims handling. Auto-Owners follows with a score of 92.86, known for strong customer satisfaction and financial stability.
Both companies maintain excellent reputations for paying claims fairly and providing responsive customer service. Travelers' combination of low rates and quality coverage makes it particularly attractive for Mesa residents looking for reliable protection at an affordable price.
| 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 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.
Top-rated customer service
Competitive rates for experienced drivers
Quick claims processing
Fewer digital tools
Limited coverage options
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.
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 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
