Cheapest and Best Car Insurance in Mesa, AZ (2023)

Your coverage requirements, driving profile and other factors will determine your cheapest auto insurer. For instance, Auto-Owners Insurance is the best and cheapest insurance provider in Mesa in general and for those with a speeding ticket. It’s also the best service provider. Travelers is the cheapest for full coverage and teens, USAA for military members and Root Insurance Company for drivers with at-fault accidents or a DUI on record.

Cheapest + BestCar InsuranceMesa

2023

Cheapest and Best Car Insurance in Mesa, AZ

Cheapest Overall - Auto-Owners Insurance

Cheapest Full Coverage - Travelers

Cheapest After Driving Offense - Auto-Owners Insurance

Cheapest for Teens - Travelers

Cheapest for Military - USAA

Best Overall - Auto-Owners Insurance

Best for Customer Service - Auto-Owners Insurance

Best Cheap - Auto-Owners Insurance

Cheapest Minimum Liability Car Insurance in Mesa

The following companies offer the cheapest car insurance rates in Mesa for a minimum coverage policy:

Auto-Owners Insurance: $343 per year
Travelers: $345 per year

The priciest provider of minimum coverage policy is The General at $1,452 per year as of October 2022. Mercury provides the cheapest car insurance in Arizona at $322 per year, which shows how location can affect auto insurance costs.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$335	$28
Auto-Owners Insurance Co	$343	$29
Travelers	$345	$29
Mercury	$353	$29
Mercury	$363	$30
Travelers	$369	$31
Travelers	$386	$32
Country Financial	$423	$35
Country Financial	$428	$36
State Farm	$460	$38
Auto-Owners Insurance Co	$468	$39
Root Insurance Company	$468	$39
Root Insurance Company	$471	$39
State Farm	$489	$41
GEICO	$499	$42
Root Insurance Company	$504	$42
Mercury	$504	$42
Hartford	$513	$43
GEICO	$526	$44
Progressive	$531	$44
Progressive	$532	$44
Allstate	$552	$46
Farmers	$565	$47
Iowa Farm Bureau	$576	$48
Hartford	$578	$48
Farmers	$587	$49
Country Financial	$595	$50
State Farm	$595	$50
GEICO	$602	$50
Progressive	$620	$52
Iowa Farm Bureau	$621	$52
Allstate	$634	$53
Allstate	$640	$53
Nationwide	$658	$55
Farmers	$692	$58
Nationwide	$692	$58
Travelers	$706	$59
Auto-Owners Insurance Co	$707	$59
CSAA	$709	$59
Travelers	$712	$59
Root Insurance Company	$721	$60
Root Insurance Company	$722	$60
Auto-Owners Insurance Co	$737	$61
Iowa Farm Bureau	$753	$63
Hartford	$770	$64
Root Insurance Company	$778	$65
CSAA	$828	$69
Travelers	$843	$70
GEICO	$849	$71
GEICO	$851	$71
Nationwide	$871	$73
State Farm	$905	$75
Hartford	$911	$76
CSAA	$939	$78
Progressive	$943	$79
State Farm	$981	$82
Progressive	$985	$82
Hartford	$1,005	$84
Auto-Owners Insurance Co	$1,011	$84
Mercury	$1,016	$85
Iowa Farm Bureau	$1,033	$86
Allstate	$1,034	$86
Farmers	$1,040	$87
GEICO	$1,044	$87
Mercury	$1,060	$88
Farmers	$1,073	$89
Iowa Farm Bureau	$1,113	$93
Allstate	$1,131	$94
Allstate	$1,184	$99
Progressive	$1,223	$102
State Farm	$1,241	$103
CSAA	$1,245	$104
Country Financial	$1,264	$105
Farmers	$1,293	$108
Iowa Farm Bureau	$1,314	$109
Nationwide	$1,338	$111
Country Financial	$1,412	$118
Hartford	$1,417	$118
CSAA	$1,450	$121
The General	$1,452	$121
Mercury	$1,503	$125
Nationwide	$1,509	$126
The General	$1,630	$136
CSAA	$1,644	$137
Country Financial	$1,814	$151
Nationwide	$1,823	$152
The General	$2,171	$181
The General	$2,933	$244
The General	$3,052	$254
The General	$4,255	$355

Based on Arizona state law, a minimum coverage policy must include bodily injury and property damage, with the following limits:

$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident

The insurance provider will only cover bodily injury liability of up to $25,000 per person involved in an accident and up to $50,000 per accident, no matter how many people are injured. Any costs above that are the policyholder’s responsibility.

Cheapest Full Coverage Car Insurance in Mesa

The following car insurance companies offer the least expensive full coverage policies in Mesa:

Travelers: $712 per year
Root Insurance Company: $722 per year

The General is the most expensive company for a full coverage policy at $2,933 per year.

Root Insurance Company is the cheapest full coverage car insurance in Arizona at $715 per year as of October 2022, slightly higher than Travelers’ rate in Mesa. This cost difference shows how location can impact auto insurance rates.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$335	$28
Auto-Owners Insurance Co	$343	$29
Travelers	$345	$29
Mercury	$353	$29
Mercury	$363	$30
Travelers	$369	$31
Travelers	$386	$32
Country Financial	$423	$35
Country Financial	$428	$36
State Farm	$460	$38
Auto-Owners Insurance Co	$468	$39
Root Insurance Company	$468	$39
Root Insurance Company	$471	$39
State Farm	$489	$41
GEICO	$499	$42
Root Insurance Company	$504	$42
Mercury	$504	$42
Hartford	$513	$43
GEICO	$526	$44
Progressive	$531	$44
Progressive	$532	$44
Allstate	$552	$46
Farmers	$565	$47
Iowa Farm Bureau	$576	$48
Hartford	$578	$48
Farmers	$587	$49
Country Financial	$595	$50
State Farm	$595	$50
GEICO	$602	$50
Progressive	$620	$52
Iowa Farm Bureau	$621	$52
Allstate	$634	$53
Allstate	$640	$53
Nationwide	$658	$55
Farmers	$692	$58
Nationwide	$692	$58
Travelers	$706	$59
Auto-Owners Insurance Co	$707	$59
CSAA	$709	$59
Travelers	$712	$59
Root Insurance Company	$721	$60
Root Insurance Company	$722	$60
Auto-Owners Insurance Co	$737	$61
Iowa Farm Bureau	$753	$63
Hartford	$770	$64
Root Insurance Company	$778	$65
CSAA	$828	$69
Travelers	$843	$70
GEICO	$849	$71
GEICO	$851	$71
Nationwide	$871	$73
State Farm	$905	$75
Hartford	$911	$76
CSAA	$939	$78
Progressive	$943	$79
State Farm	$981	$82
Progressive	$985	$82
Hartford	$1,005	$84
Auto-Owners Insurance Co	$1,011	$84
Mercury	$1,016	$85
Iowa Farm Bureau	$1,033	$86
Allstate	$1,034	$86
Farmers	$1,040	$87
GEICO	$1,044	$87
Mercury	$1,060	$88
Farmers	$1,073	$89
Iowa Farm Bureau	$1,113	$93
Allstate	$1,131	$94
Allstate	$1,184	$99
Progressive	$1,223	$102
State Farm	$1,241	$103
CSAA	$1,245	$104
Country Financial	$1,264	$105
Farmers	$1,293	$108
Iowa Farm Bureau	$1,314	$109
Nationwide	$1,338	$111
Country Financial	$1,412	$118
Hartford	$1,417	$118
CSAA	$1,450	$121
The General	$1,452	$121
Mercury	$1,503	$125
Nationwide	$1,509	$126
The General	$1,630	$136
CSAA	$1,644	$137
Country Financial	$1,814	$151
Nationwide	$1,823	$152
The General	$2,171	$181
The General	$2,933	$244
The General	$3,052	$254
The General	$4,255	$355

A full coverage policy includes comprehensive and collision insurance.

Collision Insurance: Pays to replace or repair your car if you collide with an object (fence, post, etc.) or another car.
Comprehensive Insurance: Pays to replace or repair your car if it’s stolen or damaged in a non-collision event like flooding or fire.

Older and low-value cars may not be worth the extra hundreds of dollars you’ll pay for full coverage.

Cheapest Car Insurance in Mesa After a Driving Offense

The following auto insurance providers are the most affordable for Mesa policyholders with driving violations on their records.

Speeding ticket: Auto-Owners Insurance ($737 per year)
At-fault accident: Root Insurance Company ($905 per year)
DUI: Root Insurance Company ($798 per year)

The General is the most expensive after a speeding ticket ($3,519 per year), DUI ($3,822 per year) or an at-fault accident ($4,154 per year). Even the cheapest premiums will be more expensive if you have a driving violation on your record.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$335	$28
Auto-Owners Insurance Co	$343	$29
Travelers	$430	$36
Travelers	$455	$38
Travelers	$459	$38
Auto-Owners Insurance Co	$468	$39
Travelers	$468	$39
Travelers	$486	$41
Travelers	$496	$41
Travelers	$498	$41
Auto-Owners Insurance Co	$522	$43
Root Insurance Company	$522	$44
Root Insurance Company	$526	$44
State Farm	$526	$44
State Farm	$526	$44
Travelers	$534	$45
Auto-Owners Insurance Co	$535	$45
Travelers	$546	$45
Mercury	$558	$47
State Farm	$559	$47
State Farm	$559	$47
Root Insurance Company	$561	$47
GEICO	$574	$48
Country Financial	$578	$48
State Farm	$579	$48
Progressive	$581	$48
Root Insurance Company	$585	$49
Country Financial	$586	$49
Root Insurance Company	$587	$49
Root Insurance Company	$590	$49
Root Insurance Company	$590	$49
Mercury	$598	$50
GEICO	$608	$51
Progressive	$611	$51
State Farm	$615	$51
Root Insurance Company	$629	$52
Root Insurance Company	$634	$53
Mercury	$647	$54
Progressive	$663	$55
Hartford	$666	$55
Progressive	$673	$56
State Farm	$681	$57
State Farm	$681	$57
Farmers	$698	$58
GEICO	$699	$58
Progressive	$699	$58
Auto-Owners Insurance Co	$707	$59
Auto-Owners Insurance Co	$708	$59
Country Financial	$717	$60
Auto-Owners Insurance Co	$726	$60
Country Financial	$727	$61
Auto-Owners Insurance Co	$728	$61
Mercury	$733	$61
Country Financial	$735	$61
Mercury	$736	$61
Iowa Farm Bureau	$737	$61
Auto-Owners Insurance Co	$737	$61
GEICO	$737	$61
Hartford	$740	$62
Country Financial	$745	$62
Hartford	$746	$62
State Farm	$750	$62
Progressive	$758	$63
Mercury	$775	$65
Farmers	$776	$65
Progressive	$783	$65
Iowa Farm Bureau	$794	$66
Hartford	$795	$66
Root Insurance Company	$798	$67
Root Insurance Company	$799	$67
GEICO	$799	$67
Nationwide	$802	$67
Farmers	$806	$67
Country Financial	$815	$68
Farmers	$822	$69
Mercury	$822	$69
Nationwide	$836	$70
Progressive	$836	$70
Hartford	$852	$71
Root Insurance Company	$859	$72
CSAA	$864	$72
GEICO	$872	$73
Progressive	$886	$74
Root Insurance Company	$887	$74
Root Insurance Company	$887	$74
Allstate	$894	$74
Farmers	$900	$75
Root Insurance Company	$903	$75
Root Insurance Company	$905	$75
Hartford	$911	$76
Farmers	$913	$76
Farmers	$930	$78
Root Insurance Company	$955	$80
Iowa Farm Bureau	$961	$80
Country Financial	$967	$81
Allstate	$972	$81
Travelers	$974	$81
Root Insurance Company	$978	$82
Auto-Owners Insurance Co	$987	$82
Iowa Farm Bureau	$994	$83
Hartford	$998	$83
GEICO	$999	$83
Farmers	$1,005	$84
Auto-Owners Insurance Co	$1,011	$84
CSAA	$1,014	$84
Nationwide	$1,015	$85
GEICO	$1,017	$85
Country Financial	$1,022	$85
Allstate	$1,024	$85
Travelers	$1,025	$85
State Farm	$1,026	$86
State Farm	$1,026	$86
Mercury	$1,034	$86
Travelers	$1,035	$86
Mercury	$1,038	$86
Allstate	$1,040	$87
Auto-Owners Insurance Co	$1,040	$87
Farmers	$1,050	$88
CSAA	$1,055	$88
Iowa Farm Bureau	$1,072	$89
Travelers	$1,074	$89
Auto-Owners Insurance Co	$1,079	$90
Travelers	$1,081	$90
Travelers	$1,094	$91
CSAA	$1,102	$92
Allstate	$1,108	$92
State Farm	$1,110	$92
State Farm	$1,110	$92
Allstate	$1,115	$93
Progressive	$1,115	$93
State Farm	$1,122	$94
Progressive	$1,128	$94
Allstate	$1,128	$94
Travelers	$1,135	$95
GEICO	$1,136	$95
Travelers	$1,145	$95
CSAA	$1,156	$96
Hartford	$1,165	$97
GEICO	$1,180	$98
Travelers	$1,190	$99
Nationwide	$1,205	$100
State Farm	$1,212	$101
Hartford	$1,231	$103
GEICO	$1,236	$103
Hartford	$1,250	$104
GEICO	$1,254	$104
Nationwide	$1,255	$105
CSAA	$1,255	$105
Allstate	$1,273	$106
Allstate	$1,283	$107
GEICO	$1,286	$107
Iowa Farm Bureau	$1,299	$108
Progressive	$1,308	$109
CSAA	$1,314	$109
Iowa Farm Bureau	$1,322	$110
Hartford	$1,325	$110
GEICO	$1,332	$111
Progressive	$1,333	$111
Iowa Farm Bureau	$1,339	$112
Progressive	$1,362	$114
Farmers	$1,363	$114
Auto-Owners Insurance Co	$1,373	$114
Farmers	$1,397	$116
Hartford	$1,404	$117
State Farm	$1,406	$117
State Farm	$1,406	$117
Auto-Owners Insurance Co	$1,421	$118
Iowa Farm Bureau	$1,425	$119
CSAA	$1,439	$120
Hartford	$1,442	$120
Iowa Farm Bureau	$1,444	$120
Auto-Owners Insurance Co	$1,489	$124
Farmers	$1,501	$125
CSAA	$1,506	$125
Hartford	$1,508	$126
Nationwide	$1,512	$126
GEICO	$1,529	$127
Progressive	$1,530	$128
CSAA	$1,536	$128
State Farm	$1,537	$128
Nationwide	$1,545	$129
Hartford	$1,553	$129
Farmers	$1,559	$130
Progressive	$1,561	$130
Progressive	$1,579	$132
Farmers	$1,580	$132
Nationwide	$1,595	$133
Allstate	$1,604	$134
Mercury	$1,624	$135
Nationwide	$1,652	$138
Country Financial	$1,677	$140
Iowa Farm Bureau	$1,681	$140
Farmers	$1,686	$140
Farmers	$1,719	$143
Mercury	$1,733	$144
The General	$1,741	$145
Allstate	$1,743	$145
Farmers	$1,744	$145
Iowa Farm Bureau	$1,748	$146
Mercury	$1,763	$147
Allstate	$1,775	$148
Iowa Farm Bureau	$1,787	$149
CSAA	$1,788	$149
Progressive	$1,802	$150
Nationwide	$1,823	$152
Allstate	$1,837	$153
Nationwide	$1,852	$154
Country Financial	$1,865	$155
Hartford	$1,891	$158
CSAA	$1,895	$158
The General	$1,896	$158
GEICO	$1,918	$160
Farmers	$1,923	$160
Iowa Farm Bureau	$1,926	$161
Allstate	$1,927	$161
Country Financial	$1,931	$161
Allstate	$1,950	$162
Country Financial	$1,951	$163
Auto-Owners Insurance Co	$1,967	$164
Mercury	$1,989	$166
Allstate	$1,999	$167
The General	$2,000	$167
CSAA	$2,005	$167
CSAA	$2,033	$169
GEICO	$2,046	$170
Country Financial	$2,054	$171
GEICO	$2,063	$172
The General	$2,068	$172
Mercury	$2,130	$178
Nationwide	$2,137	$178
Country Financial	$2,147	$179
Hartford	$2,155	$180
Allstate	$2,156	$180
CSAA	$2,229	$186
Hartford	$2,231	$186
The General	$2,231	$186
Allstate	$2,238	$187
Mercury	$2,270	$189
Iowa Farm Bureau	$2,272	$189
CSAA	$2,363	$197
Mercury	$2,398	$200
Iowa Farm Bureau	$2,404	$200
Country Financial	$2,413	$201
Nationwide	$2,475	$206
The General	$2,490	$207
The General	$2,503	$209
CSAA	$2,544	$212
Iowa Farm Bureau	$2,591	$216
The General	$2,617	$218
Country Financial	$2,654	$221
CSAA	$2,693	$224
Nationwide	$2,721	$227
The General	$2,736	$228
Country Financial	$2,814	$235
Mercury	$2,829	$236
Mercury	$3,023	$252
Iowa Farm Bureau	$3,056	$255
Nationwide	$3,172	$264
Nationwide	$3,216	$268
Nationwide	$3,462	$289
The General	$3,519	$293
The General	$3,741	$312
The General	$3,822	$319
Nationwide	$3,913	$326
The General	$4,154	$346
The General	$4,157	$346
The General	$4,620	$385
The General	$4,920	$410
The General	$5,147	$429
The General	$5,387	$449

The amount your premiums increase after a driving violation depends on the severity of the infraction. For instance, Mesa rates will increase by an average of $366 after a speeding ticket and $764 after a DUI. However, you can still shop around and find affordable auto insurance if you have a bad driving record.

Cheapest Car Insurance in Mesa for Teens and Their Families

The cheapest auto insurers in Mesa for teenagers on a family policy are the following:

Travelers: $2,095 per year for male and $1,755 per year for female teens
GEICO: $2,376 per year for male and female teens

With an annual premium of $3,942 for female and $5,442 for male teens, Allstate offers the most expensive policies. Also, the Travelers rate for male teens is higher than the female rate because male teens are riskier to insure. However, the gender difference in premiums drops off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
Travelers	$950	$1,490
Travelers	$1,001	$1,539
Travelers	$1,051	$1,648
Travelers	$1,062	$1,821
Travelers	$1,086	$1,703
Travelers	$1,137	$1,748
Travelers	$1,165	$2,017
Travelers	$1,168	$1,968
Travelers	$1,211	$1,862
Travelers	$1,304	$2,210
Travelers	$1,329	$2,240
Travelers	$1,331	$2,524
Auto-Owners Insurance Co	$1,396	$2,894
Travelers	$1,430	$3,059
Auto-Owners Insurance Co	$1,450	$3,138
State Farm	$1,474	$4,222
Auto-Owners Insurance Co	$1,479	$3,066
Travelers	$1,488	$2,523
Travelers	$1,496	$2,876
Farmers	$1,520	$2,411
Auto-Owners Insurance Co	$1,527	$3,304
Farmers	$1,567	$2,553
Auto-Owners Insurance Co	$1,571	$3,679
Auto-Owners Insurance Co	$1,596	$3,758
Auto-Owners Insurance Co	$1,609	$3,482
Auto-Owners Insurance Co	$1,619	$4,067
State Farm	$1,630	$4,668
GEICO	$1,636	$4,005
Travelers	$1,660	$3,551
State Farm	$1,675	$4,689
Progressive	$1,686	$2,126
Auto-Owners Insurance Co	$1,694	$3,511
Travelers	$1,696	$3,629
State Farm	$1,713	$5,652
Travelers	$1,755	$4,574
GEICO	$1,770	$2,013
State Farm	$1,775	$5,084
Allstate	$1,780	$2,589
Auto-Owners Insurance Co	$1,785	$3,923
Progressive	$1,788	$2,218
GEICO	$1,788	$2,202
GEICO	$1,792	$2,570
GEICO	$1,798	$2,045
Allstate	$1,806	$2,626
Progressive	$1,807	$3,275
Allstate	$1,810	$2,633
Allstate	$1,821	$2,748
GEICO	$1,832	$2,257
State Farm	$1,842	$6,124
Nationwide	$1,863	$3,400
GEICO	$1,869	$2,696
GEICO	$1,877	$2,430
GEICO	$1,877	$2,323
State Farm	$1,884	$5,274
Auto-Owners Insurance Co	$1,895	$5,421
Nationwide	$1,897	$5,131
GEICO	$1,900	$2,161
Auto-Owners Insurance Co	$1,909	$4,798
Nationwide	$1,915	$3,794
GEICO	$1,916	$2,359
GEICO	$1,926	$5,378
Auto-Owners Insurance Co	$1,939	$4,262
Auto-Owners Insurance Co	$1,951	$4,682
Progressive	$1,961	$3,546
Allstate	$1,964	$2,801
Progressive	$1,977	$2,492
Progressive	$1,980	$2,455
State Farm	$2,001	$6,602
Travelers	$2,011	$4,302
GEICO	$2,018	$2,911
Allstate	$2,027	$2,887
GEICO	$2,032	$3,186
GEICO	$2,032	$3,225
Nationwide	$2,047	$6,190
GEICO	$2,054	$2,945
Allstate	$2,067	$2,948
Progressive	$2,077	$4,204
Progressive	$2,077	$3,101
State Farm	$2,085	$5,834
Allstate	$2,085	$3,149
Progressive	$2,092	$3,043
Nationwide	$2,092	$3,818
Travelers	$2,095	$5,592
Allstate	$2,102	$2,998
Progressive	$2,104	$3,814
State Farm	$2,110	$7,016
State Farm	$2,110	$7,912
GEICO	$2,140	$5,240
Progressive	$2,146	$2,662
Farmers	$2,154	$4,463
GEICO	$2,154	$6,016
Progressive	$2,183	$2,753
Nationwide	$2,191	$3,999
Nationwide	$2,195	$4,802
State Farm	$2,245	$7,325
Nationwide	$2,246	$4,449
Auto-Owners Insurance Co	$2,277	$5,179
Farmers	$2,285	$4,917
Farmers	$2,297	$4,245
Allstate	$2,310	$3,299
Progressive	$2,331	$4,763
Nationwide	$2,350	$5,704
Auto-Owners Insurance Co	$2,350	$6,528
Nationwide	$2,358	$4,671
Farmers	$2,375	$4,921
GEICO	$2,376	$8,507
GEICO	$2,376	$8,203
Farmers	$2,389	$5,468
Progressive	$2,394	$9,160
Progressive	$2,399	$4,338
State Farm	$2,417	$9,046
Farmers	$2,421	$4,690
Farmers	$2,430	$10,816
Allstate	$2,457	$3,874
Farmers	$2,462	$5,298
Farmers	$2,474	$3,924
Farmers	$2,489	$5,854
Auto-Owners Insurance Co	$2,502	$5,689
Farmers	$2,517	$3,993
Auto-Owners Insurance Co	$2,559	$6,587
Farmers	$2,568	$11,709
Farmers	$2,577	$4,198
Nationwide	$2,620	$8,468
Allstate	$2,624	$3,736
State Farm	$2,631	$9,836
State Farm	$2,633	$8,591
Progressive	$2,656	$10,237
Farmers	$2,660	$4,332
Auto-Owners Insurance Co	$2,665	$7,403
Farmers	$2,673	$11,899
Nationwide	$2,706	$9,802
Nationwide	$2,706	$9,802
Auto-Owners Insurance Co	$2,707	$8,624
State Farm	$2,761	$10,332
Nationwide	$2,768	$10,473
State Farm	$2,775	$11,781
Nationwide	$2,833	$7,664
Farmers	$2,848	$12,987
Progressive	$2,902	$12,788
Allstate	$2,953	$4,768
Progressive	$2,969	$11,360
Farmers	$2,978	$17,048
State Farm	$3,045	$11,278
Nationwide	$3,061	$11,627
Farmers	$3,174	$18,725
Progressive	$3,180	$14,040
Nationwide	$3,195	$13,361
Nationwide	$3,195	$13,361
Allstate	$3,210	$4,584
Progressive	$3,244	$12,503
Nationwide	$3,270	$14,300
Nationwide	$3,292	$9,955
State Farm	$3,491	$12,928
State Farm	$3,506	$14,744
Allstate	$3,780	$5,863
Allstate	$3,906	$6,059
Allstate	$3,942	$6,421
Allstate	$5,160	$7,267
Allstate	$5,334	$7,512
Allstate	$5,442	$8,213

Parents will find it much cheaper to enroll their teen children in an existing family policy rather than buying a separate one. In Mesa, purchasing a separate policy for a 16-year-old male costs an average of $2,895 more than adding him to a family policy. Teens are expensive to insure, so shop around to find the cheapest teen car insurance deals.

Cheapest Car Insurance in Mesa for Military Drivers

The following companies offer the cheapest car insurance for military-affiliated Mesa residents:

USAA: $712 per year
Travelers: $712 per year

The ranking and rates shown above are for full coverage policies. Military policyholders looking for minimum coverage will find that USAA is still the cheapest at $237 per year and Auto-Owners Insurance the second cheapest at $343 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$237	$20
USAA	$238	$20
USAA	$278	$23
Auto-Owners Insurance Co	$335	$28
Auto-Owners Insurance Co	$343	$29
Travelers	$345	$29
Mercury	$353	$29
Mercury	$363	$30
Travelers	$369	$31
Travelers	$386	$32
Country Financial	$423	$35
Country Financial	$428	$36
State Farm	$460	$38
Auto-Owners Insurance Co	$468	$39
Root Insurance Company	$468	$39
Root Insurance Company	$471	$39
State Farm	$489	$41
GEICO	$499	$42
Root Insurance Company	$504	$42
Mercury	$504	$42
Hartford	$513	$43
GEICO	$526	$44
Progressive	$531	$44
Progressive	$532	$44
Allstate	$552	$46
Farmers	$565	$47
Iowa Farm Bureau	$576	$48
Hartford	$578	$48
Farmers	$587	$49
Country Financial	$595	$50
State Farm	$595	$50
GEICO	$602	$50
Progressive	$620	$52
Iowa Farm Bureau	$621	$52
Allstate	$634	$53
Allstate	$640	$53
Nationwide	$658	$55
USAA	$674	$56
Farmers	$692	$58
Nationwide	$692	$58
Travelers	$706	$59
Auto-Owners Insurance Co	$707	$59
CSAA	$709	$59
USAA	$712	$59
Travelers	$712	$59
Root Insurance Company	$721	$60
Root Insurance Company	$722	$60
Auto-Owners Insurance Co	$737	$61
Iowa Farm Bureau	$753	$63
Hartford	$770	$64
Root Insurance Company	$778	$65
CSAA	$828	$69
Travelers	$843	$70
GEICO	$849	$71
GEICO	$851	$71
USAA	$853	$71
Nationwide	$871	$73
State Farm	$905	$75
Hartford	$911	$76
CSAA	$939	$78
Progressive	$943	$79
State Farm	$981	$82
Progressive	$985	$82
Hartford	$1,005	$84
Auto-Owners Insurance Co	$1,011	$84
Mercury	$1,016	$85
Iowa Farm Bureau	$1,033	$86
Allstate	$1,034	$86
Farmers	$1,040	$87
GEICO	$1,044	$87
Mercury	$1,060	$88
Farmers	$1,073	$89
Iowa Farm Bureau	$1,113	$93
Allstate	$1,131	$94
Allstate	$1,184	$99
Progressive	$1,223	$102
State Farm	$1,241	$103
CSAA	$1,245	$104
Country Financial	$1,264	$105
Farmers	$1,293	$108
Iowa Farm Bureau	$1,314	$109
Nationwide	$1,338	$111
Country Financial	$1,412	$118
Hartford	$1,417	$118
CSAA	$1,450	$121
The General	$1,452	$121
Mercury	$1,503	$125
Nationwide	$1,509	$126
The General	$1,630	$136
CSAA	$1,644	$137
Country Financial	$1,814	$151
Nationwide	$1,823	$152
The General	$2,171	$181
The General	$2,933	$244
The General	$3,052	$254
The General	$4,255	$355

How to Compare Cheap Mesa Car Insurance Quotes Online

Comparing car insurance quotes online is essential to finding the cheapest deals in Mesa. However, the process can take more than 15 minutes per company, and you'll need to provide a lot of personal information.

To help streamline that process, you can use MoneyGeek’s car insurance calculator. You only provide your age, coverage amount, vehicle type and driving history to get quick and reliable online estimates.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Mesa: Summary

The best insurance provider for you will depend on how much you value affordability, coverage, service and other factors. Here are the highest-scoring auto insurers for different categories:

Best overall: Auto-Owners Insurance (MoneyGeek score of 81 out of 100)
Best for service: Auto-Owners Insurance (MoneyGeek score of 66 out of 100)
Best cheap: Auto-Owners Insurance (MoneyGeek score of 84 out of 100)

Auto-Owners Insurance is also the best car insurance company in Arizona as a whole. Also, USAA is the best auto insurance for people connected to the military. It got a score of 85 out of 100 and offers specialized services.

The total score for a company can change depending on how each factor is weighted for different categories.

Best Overall Car Insurance in Mesa

To find the best overall car insurance in Mesa, we analyzed all aspects of the insurers, particularly affordability and service quality. The following companies come out on top:

Auto-Owners Insurance: MoneyGeek score of 81 out of 100 ($737 per year)
Travelers: MoneyGeek score of 79 out of 100 ($712 per year)

Auto-Owners Insurance is a well-rounded car insurance provider. It outranked its competitors in affordability and customer service. If you are a current or former member of the military, we also recommend USAA, with a score of 85 out of 100.

How was this MoneyGeek score calculated?

pros

Excellent pricing and customer service

Above-average claims handling

Provides diminished value coverage and accident forgiveness coverage

cons

No new car replacement coverage

COMPANY HIGHLIGHTS

Because of its affordable prices and high customer service score, Auto-Owners Insurance is the top auto insurance company in Mesa overall. The company also receives high marks for coverages and claims handling.

Auto-Owners Insurance provides a good variety of standard and uncommon coverage options. The diminished value coverage protects the money you invest in your car because, after an accident, your car's value generally decreases, even if it's repaired. This coverage compensates you for the car's reduction in value.

The company’s Personal Automobile Plus package includes more than 10 optional add-ons for one rate. It provides cell phone replacement, identity theft protection, lock re-keying and more. Auto-Owners also offers at-fault accident forgiveness. When you purchase this add-on, the company will not impose an accident penalty after the first accident for which you are at fault.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Car Insurance in Mesa for Customer Service

We excluded pricing and focused on customer satisfaction criteria to find the insurers offering the best customer service in Mesa.

Auto-Owners Insurance: MoneyGeek score of 66 out of 100 ($737 per year)
Country Financial: MoneyGeek score of 65 out of 100 ($1,412 per year)

Auto-Owners Insurance doesn't receive many customer complaints, which is a good indicator of customer satisfaction. It also offers various essential coverages and some rare benefits. Moreover, its users aren't paying a high price for good service because it's one of the most affordable companies.

How was this MoneyGeek score calculated?

pros

Great coverage and customer satisfaction scores

Offers diminished value coverage and gap insurance

Third most affordable option

cons

Doesn’t offer new car replacement coverage or rideshare insurance

COMPANY HIGHLIGHTS

Auto-Owners Insurance offers several rare coverages, including the diminished value coverage. This add-on ensures that, in the unlikely event that your car is in an accident, the insurer compensates you for any reduction in the vehicle’s value. In addition, if you collide with a car that Auto-Owners Insurance also insures and you have the deductible modification add-on, the company waives your deductible.

Gap insurance covers the difference between your car's market value and any outstanding lease or loan debt in the event of an accident. Rental car/or travel reimbursement coverage pays for a rental automobile when you cannot use your vehicle due to an accident. If you become stranded away from home, it also covers food, shelter and other incidental costs.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Best Cheap Car Insurance in Mesa

The following companies offer the best combination of cost and quality of service for policies that only meet the state’s minimum coverage requirements:

Auto-Owners Insurance: MoneyGeek score of 84 out of 100 ($343 per year)
Travelers: MoneyGeek score of 80 out of 100 ($345 per year)

Minimum coverage policies in Mesa have the lowest rates. However, they offer the least protection against liability costs and don’t cover your car in case of an accident.

How was this MoneyGeek score calculated?

pros

The most affordable at $343 per year

Has safe driving, pay-in-full and honing device discounts

Perfect affordability score and great coverage rating

cons

Doesn’t offer driver’s education discount or defensive driving discounts

COMPANY HIGHLIGHTS

Even though Auto-Owners Insurance has one of the least expensive policies in Mesa, it offers many discounts to help policyholders further reduce costs.

The insurer has discounts for bundling your car insurance with other qualifying Auto-Owners policies, insuring two or more cars, having good loss history and having a good academic record (for students). You also get a discount for installing an anti-theft system or airbags in your vehicle. Enrolling in paperless billing and paying your full annual policy on time will also save you money.

Auto-Owners offers various discounts, such as the responsible payment discount for customers who settle their payments on time for 36 consecutive months. New applicants who get a premium quote before the policy's start date are eligible for an early signing discount.

Read MoneyGeek's Auto-Owners Insurance Auto Insurance Review

Average Cost of Car Insurance in Mesa

The average cost of auto insurance in Mesa is $1,172 as of October 2022. This is $21 less than the $1,193 average yearly cost of auto insurance in Arizona and $93 less than the $1,265 average annual rate throughout the nation. Location is just one of several variables that impact how much auto insurance costs.

These rates are for full coverage insurance with bodily injury limits of $100,000 per person and $300,000 per accident and $100,000 limits for property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Mesa, AZ

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On This Page:

Cheapest Minimum Liability Car Insurance in Mesa

Cheapest Full Coverage Car Insurance in Mesa

Cheapest Car Insurance in Mesa After a Driving Offense

Cheapest Car Insurance in Mesa for Teens and Their Families

Cheapest Car Insurance in Mesa for Military Drivers

How to Compare Cheap Mesa Car Insurance Quotes Online

Best Car Insurance in Mesa: Summary

Best Overall Car Insurance in Mesa

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Mesa for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Mesa

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Mesa