Updated: December 12, 2025
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Mesa drivers can get minimum coverage for as little as $53 monthly through Travelers, which also offers the city's most affordable full coverage at $98 per month or $1,175 annually. These premiums apply to drivers with clean records.
Individual factors like age and violations determine which insurer offers your lowest rate, so request quotes from multiple carriers to find your best premium.
| Travelers | $98 | $53 | -38% |
| Geico | $127 | $60 | -24% |
| State Farm | $130 | $61 | -22% |
| Auto Owners | $128 | $65 | -21% |
| Progressive | $140 | $85 | -8% |
Arizona residents pay around $120 monthly for full coverage, but Mesa drivers pay higher costs at $156 per month. Minimum coverage follows a similar pattern, with Mesa's $79 rate exceeding the state's $59 average. The city's growing population creates heavy traffic congestion that leads to more frequent accidents.
Vehicle theft rates also exceed statewide numbers, affecting certain popular models. Monsoon storms add another risk with weather-related damage claims. These urban challenges push Mesa's premiums well above Arizona rates. Comparing quotes from multiple insurers helps residents find competitive coverage options.
| $156 | $120 |
Read More: The cheapest car insurance in Arizona
Mesa's car insurance costs vary based on driver age, with young drivers paying the highest premiums at $283 monthly across the top five insurers. Adult drivers pay $125 monthly on average, while seniors pay $167 monthly. Young drivers pay more than double adult rates because they lack driving experience and have higher accident rates.
Cheapest Mesa car insurance by age:
Once drivers establish experience, age matters less. The modest difference between adult and senior rates shows insurers view experienced drivers similarly whether they're 40 or 70 years old.
Note: Arizona allows age as a rating factor. Some states restrict age-based pricing.
Mesa's young drivers ages 16 to 25 pay the highest car insurance costs because insurers view them as the highest risk group due to inexperience, higher accident rates and frequent traffic violations.
Travelers offers the most affordable full coverage at $227 monthly or $2,720 annually, but young drivers still pay an average of $283 across Mesa's top five insurers compared to $125 for adults. Youth premiums run more than double what experienced drivers pay.
Shopping around saves young Mesa drivers $88 monthly since Safeway Insurance, the fifth cheapest option, charges $315 monthly compared to Travelers' rates. Adding a young driver to your family policy costs less than separate coverage, though premiums remain high until age 25.
Note: Teen drivers under 18 may need to meet additional state licensing requirements and parental consent regulations that affect coverage options and rates.
| Travelers | $227 | $2,720 |
| Geico | $273 | $3,278 |
| Auto Owners | $299 | $3,591 |
| State Farm | $303 | $3,631 |
| Safeway Insurance | $315 | $3,781 |
Mesa seniors benefit from decades of driving experience and clean records, helping them get competitive rates like Travelers' $140 monthly or $1,675 annually for full coverage. Most insurers reward this experience with reasonable premiums, though some companies increase rates for drivers over 70 due to reaction time concerns.
Across the five most affordable options, Mesa's senior drivers average $167 monthly, just $42 above the $125 that younger adults pay.
Shopping around saves money. Choosing Travelers over Progressive at $189 monthly saves seniors $49 each month. Completing defensive driving courses or keeping annual mileage under 7,500 miles can lower premiums further.
| Travelers | $140 | $1,675 |
| State Farm | $160 | $1,917 |
| Geico | $164 | $1,964 |
| Safeway Insurance | $184 | $2,205 |
| Progressive | $189 | $2,268 |
Mesa's adult drivers between ages 26 and 64 get the area's most competitive insurance rates because they balance years of driving experience with lower accident involvement than younger and older drivers. Travelers leads the market at $98 monthly or $1,175 annually for full coverage.
Across Mesa's five cheapest insurers, adults average $125 monthly, the lowest of any age category. Shopping around saves money.
Adults save $42 monthly by choosing Travelers over Progressive's $140 rate, the fifth cheapest option. Maintaining clean driving records, bundling policies and qualifying for good driver discounts can lower premiums even more.
| Travelers | $98 | $1,175 |
| Geico | $127 | $1,526 |
| Auto Owners | $128 | $1,538 |
| State Farm | $130 | $1,563 |
| Progressive | $140 | $1,684 |
Driving violations increase insurance costs in Mesa, with average monthly rates across the five cheapest insurers jumping from $64 for clean records to $95 for DUIs. Travelers offers the most affordable minimum liability coverage for drivers with clean records at $53 monthly.
Auto-Owners has the best rates for speeding tickets at $65 monthly and State Farm leads for DUI violations at $65 monthly. Violations affect your costs differently: $71 for speeding tickets, $86 for at-fault accidents and $95 for DUI convictions.
At-fault accidents raise premiums because they show you've caused property damage or injuries, signaling higher risk to insurers. DUIs trigger the largest rate increases because they combine dangerous behavior with legal consequences.
Insurers view DUI drivers as their highest-risk customers and often require SR-22 filing for license reinstatement. Speeding tickets create smaller increases since they show risky behavior without actual crash involvement.
| State Farm | $65 | $782 |
| Travelers | $75 | $897 |
| Progressive | $103 | $1,241 |
| Safeway Insurance | $107 | $1,290 |
| Auto Owners | $122 | $1,467 |
Car insurance rates in Mesa vary widely by neighborhood. The cheapest minimum coverage starts at $67 per month in ZIP code 85215, while the most expensive area for full coverage is ZIP code 85201 at $186 monthly. Use the table below to compare rates in your area.
Mesa’s most populated ZIP codes, including 85201, 85202 and 85203, tend to carry higher full coverage premiums at $186, $154 and $153 per month. These price differences reflect local factors such as accident frequency, vehicle theft, population density and uninsured driver rates.
Use the table filter to find your ZIP code and see typical minimum and full coverage costs in your neighborhood.
| 85201 | $101 | $186 |
Mesa drivers can find competitive rates and proper coverage by knowing which companies offer the best value for their needs.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Mesa driving needs.
Familiarize yourself with types of car insurance available in Mesa. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow cars.
Look up average vehicle insurance costs for your specific Mesa neighborhood. Local rates vary based on crime statistics, traffic patterns and demographics in different areas.
Explore every car insurance discount opportunity available. Consider bundling multiple policies or securing multi-car discounts. You can save with safe driver, student and anti-theft discounts.
Review company ratings and customer feedback for insurers serving Mesa residents. Check financial stability scores and complaint ratios to ensure you're choosing a reliable provider for long-term coverage.
Request quotes from multiple carriers, targeting at least three different companies. Rates differ between insurers, so comparing options helps you find competitive pricing for your coverage needs.
Schedule an annual policy review to stay competitive with current market rates. Life changes, driving records and available discounts shift over time, making yearly evaluations essential for maintaining affordable coverage.
Want to find affordable coverage in Mesa? This FAQ answers questions about available discounts, state regulations and coverage types to help you find affordable coverage and make smart insurance choices.
Travelers offers the most affordable minimum coverage in Mesa at $636 annually ($53 per month), while the company also provides the cheapest full coverage at $1,176 per year ($98 per month). Since personal factors affect pricing, compare quotes from multiple insurers to find your best rate.
Travelers ranks first among Mesa's car insurance providers with an impressive MoneyGeek score of 96 out of 100, outpacing Auto-Owners by three points. The company performs well in both affordability and customer experience.
Car insurance in Mesa costs $1,872 annually for full coverage and $948 for minimum coverage. Your actual premiums depend on personal factors like driving record and coverage choices.
Yes, Mesa car insurance costs are high, with the city ranking 256th for minimum coverage and 199th for full coverage affordability among Arizona cities.
Mesa drivers pay some of Arizona's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Mesa's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
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.
